I really don't understand why it's so complicated. I played Lord of the Rings Online for awhile. You log into your turbine account, click credit card, select plan, enter credit number...and........ they bill you the amount the charge! What a concept! One page, one whole page, you click accept! That's it! Why SE is doing all these different things is beyond me. Hard to make FFXIV into a competitive MMO when you can't even make a simple billing option like almost EVERY other MMO on the market.