Actually I've used my credit card issued by The Post (Genz knows) and I've even paid Japanese comics from their websites with that, using it for my Steam games and Ebay (PayPal) payments. The only issue I ever had with it is with ClickandBuy, which isn't anything different than PayPal to be honest (or at least, I don't have that sharp eye to see a difference between the two services).
Ah by the way, Ticino here =)

But I guess the last Lodestone post pretty much answers my needs, let's hope for the best!
As previously announced, we will be bringing the extended free trial period to a close and introducing subscription-based billing to FINAL FANTASY XIV, commencing Friday, January 6, 2012.

Beginning today, players have the opportunity to set up a subscription plan. Upon agreeing to the terms and conditions of subscription-based billing, we ask that you complete the procedure via the Square Enix Account Management System.

Please note that we are working to implement additional payment options around the commencement of billing in early January.