Buying Crystals With Paypal now requires Credit card

Thanks Square,

Always looking at more ways to take are money now you made it beyond frustrating as well. Might as well go buy a EA game.

What do you actually get with Crystals?

Well I use paypal to buy my subscription. Now i cant.
But basically you can buy everything with crystals.

I wish SE had gift cards that had crysta on them. Would make buying things on the mogstation SO much easier.

I think Square has way to many things to buy. Every time they add something new to the store we seem to loose more and more content that are subscription is suppose to be buying.

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Originally Posted by Ilyrian

What do you actually get with Crystals?

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Crysta can be used to purchase items on the mogstation.


It's actually a better idea to buy a batch of Crysta if you plan on making multiple purchases in a short time, as that type of purchase could set off fraud detection from your bank.
Multiple purchases from the same company, for the same amount, in a short period could be a possible billing error, and you don't want the bank charging it back thinking it was an error.

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Originally Posted by TaranTatsuuchi

Multiple purchases from the same company, for the same amount, in a short period could be a possible billing error, and you don't want the bank charging it back thinking it was an error.

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Indeed, you most definitely do not want a charge back on your card to SE, as SE will completely suspend your account and close it forever with no hope of recovery, meaning you lose everything attached to it if a charge back is initiated, even if it was in error.

So this is probably to prevent a false positive causing a charge back from happening as you said.

I have a credit card on my PayPal account already and that appears to be working fine. If you can't use another PayPal payment option, wouldn't that be a PayPal issue? SE didn't ask anything about a credit card before sending me to the PayPal page.

I’m a little confused as to how you were paying PayPal without an attached bank account or valid card on file to begin with.

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Originally Posted by Emstidor

I’m a little confused as to how you were paying PayPal without an attached bank account or valid card on file to begin with.

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I put a credit card on my PayPal account and then use it to buy crysta. What I am saying is that maybe PayPal made a change if you can't use PayPal to buy crysta now without a credit card? I don't have my credit card on my SE account at all. In other words, it doesn't look like SE changed anything.

Hm I have Paypal attached to my bank account, but I've only used my debit card to buy Crysta and that has worked fine

I'm confused. My mate has been buying crysta point thru PayPal by using his credit card for years.... What has changed?

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Originally Posted by Mature

I'm confused. My mate has been buying crysta point thru PayPal by using his credit card for years.... What has changed?

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I think the issue is that you HAVE to have a credit card now, but before you didn't(if I'm understanding correctly...I've only ever bought Crysta through the Mogstation with my CC).

Though I haven't used PayPal in years(had fraud happen with it, and never went back), what I remember is having my bank account connected to it so I didn't need to use a CC to pay, it just came straight out of my account.

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Originally Posted by Avatre

I think the issue is that you HAVE to have a credit card now, but before you didn't(if I'm understanding correctly...I've only ever bought Crysta through the Mogstation with my CC).

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Maybe, but it wouldn't be SE's fault then. That would be a PayPal restriction.

What? That's how I paid my sub.......

So wait, as long as you have a credit card on your paypal account, even if you use a bank account to transfer funds, you can still buy crysta right?

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Originally Posted by Stormfur

So wait, as long as you have a credit card on your paypal account, even if you use a bank account to transfer funds, you can still buy crysta right?

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Works for me.

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Originally Posted by Enkidoh

Indeed, you most definitely do not want a charge back on your card to SE, as SE will completely suspend your account and close it forever with no hope of recovery, meaning you lose everything attached to it if a charge back is initiated, even if it was in error.

So this is probably to prevent a false positive causing a charge back from happening as you said.

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My account got recovered within a few days after they closed it because of a charge back. Just contacted customer support (and payed my bill).


Also I was able to buy Crysta with Paypal (have only normal giro account attached to paypal, no credit card).

If you haven't overlooked something and it truly is the case that you need a card: Cant you just get a pre-paid /pre-load credit debit card from a newsagent or post office to use?

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Originally Posted by Baingoleth

Maybe, but it wouldn't be SE's fault then. That would be a PayPal restriction.

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Sounds like it, if it truely changed.
I also always used my CC on paypal whenever i've bought Crysta (which i havnt the past 2 years).
Idk, sounds like OP havn't done his/her homework on the matter and yell at SE for some change that might happened on Paypal end?

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Originally Posted by Elspath

Thanks Square,

Always looking at more ways to take are money now you made it beyond frustrating as well. Might as well go buy a EA game.

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That's a paypal thing....numerous instances that use paypal generally require a credit card to back it. Get used to it.
Its a matter of authorization/security check.

Tbh I think OP was talking about not being able to use Paypal Credit anymore, which isn't a card necessarily.

There are people out there that want to use PayPal specifically because they don't have a credit card.. not in all countries it's a common thing to have one.
At least there is the paysafecard option for paying for your sub, but I'm not sure you can get crysta with it.

I don't have a credit card either, but I have debit cards and bank account linked just fine.

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Originally Posted by Vulcwen

There are people out there that want to use PayPal specifically because they don't have a credit card.. not in all countries it's a common thing to have one.
At least there is the paysafecard option for paying for your sub, but I'm not sure you can get crysta with it.

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They still are at the mercy of Paypal.

SE <---> Paypal/Bank? <---> You/Customer/Client/User

SE: We need ____ in currency please.
Paypal: Authorization/Balance confirmed etc

If your using paypal.. SE cant see crap...they wont know your account information or what your using on paypal...all they have is an account tag from paypal to draw from..likening to a credit card number....but paypals version (which i can tell you is obscenely stupid and insane....don't ask)

Paypal however may require certain things on their side that will deny the transaction...based on certain security requirements.
If SE requires a credit card...paypal would be irrelevant as an option at that point...meaningless.

Therefore - you should talk to Paypal.

Now if your talking about a literal credit card....that just happens to be from Paypal....then there's a problem with the credit card itself....again...paypal as they are the vendor.

9 times out of 10 when it comes to billing systems....you got a problem with your bank/merchant.

Yeah... I was a billing agent for various services...sucked....

I also encountered a situation with EA about this - and that was the one time it wasn't the bank....origin is a real pain when it comes to these things...which is why prepaid cards are better....until I found out they dont include sales tax....yeah.....fun times.

I have linked my bank account to my PayPal account (no credit card). Just bought a handfull crystas today and it still work.

If it's available in your country, Visa Electron could be an option. It works fine when buying crysta and no middleman is needed.

Maybe OP maxed out his linked CC limit on FFXIV? :)

When a site says credit card, any debit card with a visa / mastercard or other CC company will work for the payment, as long as the required funds are in the account.

They all pretty much work the same. Check card with logo takes the funds out of your account, while an actual CC takes the funds out of the issueing banks account (up to the amount authorized)

Okay

Originally anyone with a paypal account (NO CREDIT CARD) could buy crystals and use those crystals to buy Subscription months or other items from the loadstone.

Paypal dose not REQUIRE a credit card to use Paypal to buy things from websites. Websites can REQUIRE a credit card and make paypal force them to link a credit card to there account as part of the deal to allow people to use paypal on those sites.

Square recently made paypal REQUIRE a credit card to buy crystals in the past month. (last month this was no the case) And yes this is not a "its paypal" fault thing. They have posted that some sites and groups check a box that requires linking of paypal accounts and credit cards to work, and there is nothing they can do about it.

Basically square has made it harder for someone to give them there money. Witch you think with all the things they keep adding to drain every dollar we got goes against that mindset

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Originally Posted by Elspath

Paypal dose not REQUIRE a credit card to use Paypal to buy things from websites. Websites can REQUIRE a credit card and make paypal force them to link a credit card to there account as part of the deal to allow people to use paypal on those sites.

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Couldn't have said it better myself.

Like I said... it comes down to what Paypal gives in communication to SE and vice versa.
When in doubt...call PayPal.

I don't agree with anything else you've said beyond that.
Square Enix isn't alone in doing this.

Fraud is a big deal with billing systems these days....by requiring a credit card - they are checking ID....its for your protection. It may not make it polite...but its a good thing to have....especially since paypal can get a little....nasty when compromised.

Microsoft Did this up-front some time back on Xbox Live - it was a P I T A to get it sorted - but the anti-fraud checks prevented a lot of problems. - Well problems on Microsoft's side. Paypal is still...paypal.

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Originally Posted by Elspath

Square recently made paypal REQUIRE a credit card to buy crystals in the past month. (last month this was no the case) And yes this is not a "its paypal" fault thing. They have posted that some sites and groups check a box that requires linking of paypal accounts and credit cards to work, and there is nothing they can do about it.

Basically square has made it harder for someone to give them there money. Witch you think with all the things they keep adding to drain every dollar we got goes against that mindset

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As a business, taking money from unverified paypal accounts is really dumb. I'm surprised SE actually allowed it at all.

Not everyone has a credit card and some people make money from there paypal. Like myself.

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Originally Posted by Elspath

[...]

Square recently made paypal REQUIRE a credit card to buy crystals in the past month. (last month this was no the case) And yes this is not a "its paypal" fault thing. They have posted that some sites and groups check a box that requires linking of paypal accounts and credit cards to work, and there is nothing they can do about it.

Basically square has made it harder for someone to give them there money. Witch you think with all the things they keep adding to drain every dollar we got goes against that mindset

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Are we certain this is a change made on SE's end?
A friend ran into the same issue two years ago with another game, I think it was GW2, and after confirming that I could still use my PayPal account (which does not have a CC linked, I don't even own a card) to buy stuff just fine with just my verified bank account linked they reached out to both PayPal's and the game's support.
After a lot of back and forth it turns out the credit card requirement for their account was implemented by PayPal because their system decided it needed an additional safeguard based on their risk algorithm.
Whatever that actually means, for all I know there never were any issues with payments or insufficient funds.

Not that finding out where the card requirement came from did any good, PayPal support decided they are unable or unwilling to lift the restriction so my friend had to find another way to make purchases in that game.

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Originally Posted by Elspath

Not everyone has a credit card and some people make money from there paypal. Like myself.

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If you think for one second that paypal will let you continue doing such things without valid proof (such as a credit card or a bank account) you got an another flurry of headaches coming.
Like it or not....if your being asked to furnish a payment option as they say in industry...then you must do so.

Go get a prepaid credit card....its easy to do..and if you get the right kind..you'll be fine.

Or start using time codes if its a subscription issue.

Many merchants require to have a source to draw funds from in case your Paypal balance is zero.

Can be either:
- A linked Bank or Credit Union account. (You may have to verify it)
- A Credit Card or a Debit Card.
- A prepaid card linked to your Paypal account.

Yes it's SE that made that choice...

I used to pay my sub with paypal ( which is linked to my bank account , maestro card) , Now i can't pay with paypal ( i would've liked to change server too after my 2 month break ) but whatever...

SE always taking bad decision about payment... playspan disappeared > then paypal > then paypal disappeared > then reappear then credit card obligation now...


Take a DECISION and STICK TO IT .

I'll now keep buying timecards from shady website, no trouble SE , no trouble ,they're faster than your own Webshop ^^

Or go to MOnster Hunter online when on pc ^^ and spend 300+days there like i did here .... we shall see.



Ps : And no , i'll never take a credit card, who's dumb enough to pay 13% more in a restaurant or paying an online sub >.> i spent the money i earn , nothing more

I have found visa electron to be good middle grounds. For my end it works as.. is it callex debit card in English. That is it uses funds straight from my account. However for online payments it works as Visa and as such is accepted pretty much anywhere.

I can confirm as of 3 minutes prior to posting this that you CAN add crysta to a SE account with payment from PayPal without a linked credit card.

I've bought Crysta with Paypal ever since it became an option. I don't have a credit card (just an attached Bank Account.)

Paypal worked six months ago, three months ago, and last week. Absolutely nothing has changed for me and has always worked as intended. (Canerdian customer.)

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Originally Posted by Galactimus

I've bought Crysta with Paypal ever since it became an option. I don't have a credit card (just an attached Bank Account.)

Paypal worked six months ago, three months ago, and last week. Absolutely nothing has changed for me and has always worked as intended. (Canerdian customer.)

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well you must be the only one for who it didn't changed....

Can't buy crysta without a paypal account WITH registered credit card...

I've used my paypal account to pay my sub until 4.1 ( took a break came back for 4.2).... Stuck on moogle now , can't change serve and i have to go through shady website to buy a timecard code so i can play ....

i'm getting really tired of ffxiv , not because of the game , but because of the stuff i have to go through to pay my sub....

i've been playing for 3years now... and SE change 4 time their payment methods...

getting reeaaalllly tired of this