Terrible Payment System

[Jennestia]

The thing is, they haven't been silent, they specifically said they're going to look into other options -- Hell most of the businesses I know and worked at never revealed why they went with Nvidia over Amd for their GPU supplier, or vice versa, the Xbox engineers never went into full intimate detail as to why they decided on x,y,z hardware for the 360 beyond obvious stuff you could get simply searching google for a few seconds.

Clickandbuy has a bad rap with people sure, what company doesn't? C&B likely offered the best solution for them which all businesses would go for. Anything regarding C&B's practices is not up to SE to explain nor the decision to go with them, as people seem to have forgotten you can indeed use Paypal/Ultimatepay, while some countries may not be able to but guess what? That's life, in Japan I can't utilize certain services offered by North America and Europe.

[SilvertearRen]

The thing is, they haven't been silent, they specifically said they're going to look into other options -- Hell most of the businesses I know and worked at never revealed why they went with Nvidia over Amd for their GPU supplier, or vice versa, the Xbox engineers never went into full intimate detail as to why they decided on x,y,z hardware for the 360 beyond obvious stuff you could get simply searching google for a few seconds.

Clickandbuy has a bad rap with people sure, what company doesn't? C&B likely offered the best solution for them which all businesses would go for. Anything regarding C&B's practices is not up to SE to explain nor the decision to go with them, as people seem to have forgotten you can indeed use Paypal/Ultimatepay, while some countries may not be able to but guess what? That's life, in Japan I can't utilize certain services offered by North America and Europe.

What you are doing here is attempting to minimize the controversy of using ClickandBuy. What the gamers here are wanting is a simple solution that does not go to a foreign company (forcing us to pay a foreign exchange rate), and the most obvious solution is to offer MORE payment options, not less.

We don't care about the explanation. We care about having a proper payment option that doesn't make us wonder if our credit card number has been compromised. We have a right to financial security.

And for god's sake people, STOP using UltimatePay as an argument point, because that's exclusively for Crysta, and some of us do not want to waste money on that kind of BS. Get it through your heads.

[Jennestia]

What you are doing here is attempting to minimize the controversy of using ClickandBuy. What the gamers here are wanting is a simple solution that does not go to a foreign company (forcing us to pay a foreign exchange rate), and the most obvious solution is to offer MORE payment options, not less.

Paypal/ultimatepay (i.e Crysta). There's already an alternative offered to more people, which they already stated they'll look into even more.

We don't care about the explanation. We care about having a proper payment option that doesn't make us wonder if our credit card number has been compromised. We have a right to financial security.

Then don't use click&buy and use the other options available to you currently.

And for god's sake people, STOP using UltimatePay as an argument point, because that's exclusively for Crysta, and some of us do not want to waste money on that kind of BS. Get it through your heads.

"I agree there is another alternative, but I don't want to use it so I'll just say they don't offer anything other than click&buy." Is what you're saying in other words. I don't like that I have to pay yearly for my Gold Xbox live account but I do it.

Seriously, it's almost like you're throwing a temper tantrum just because they won't immediately make 100 payment options for a game you're not even paying for yet.

[SilvertearRen]

"I agree there is another alternative, but I don't want to use it so I'll just say they don't offer anything other than click&buy." Is what you're saying in other words. I don't like that I have to pay yearly for my Gold Xbox live account but I do it.

Seriously, it's almost like you're throwing a temper tantrum just because they won't immediately make 100 payment options for a game you're not even paying for yet.

Dude. Have you EVER done the math? At all? There is a LOT of money wasted when you buy Crysta. You are forced to buy Crysta in the thousands, and you can't tailor that to a specific amount so you don't have leftover crysta. I see that as waste.

Go take an accounting class, please.

Then don't use click&buy and use the other options available to you currently.

You fail to get it. There are only TWO options. ClickandBuy and UltimatePay. I'd rather be paying via credit card, but I refuse to leave that information with ClickandBuy. But UltimatePay, let's see.. $20 game time card. But the average subscription is $14-15, right? So I'm getting $5 left over. But when you convert it to Crysta, it gets even MORE muddled, and it tells me some of my money is going into a financial black hole.

Sorry, but I am not going to take a method that does not offer straight, transparent accounting of where my money goes, and what happens to it. Also, I am sick and tired of virtual currencies.

Jeez, people like you piss me off. More money than sense...

[Jennestia]

Dude. Have you EVER done the math? At all? There is a LOT of money wasted when you buy Crysta. You are forced to buy Crysta in the thousands, and you can't tailor that to a specific amount so you don't have leftover crysta. I see that as waste.

Go take an accounting class, please.

I have done the math -- Have you ever dealt with businesses before that overcharge? Protip: If you're a gamer you have.

Also, I am sick and tired of virtual currencies.

Jeez, people like you piss me off. More money than sense...

See? it's all personal then. It's not going anywhere, because the fellow gamers you seem to be fighting for bought DLC enmasse which showed people gamers are willing to throw away money.

It's not "more money than sense", it's being realistic because realistically speaking, SE is a business and all businesses is out to make money, it's not like there's hidden costs thrown in, you know what you're getting into when you use crysta.

[Viridiana]

Paypal/ultimatepay (i.e Crysta). There's already an alternative offered to more people, which they already stated they'll look into even more.



Then don't use click&buy and use the other options available to you currently.



"I agree there is another alternative, but I don't want to use it so I'll just say they don't offer anything other than click&buy." Is what you're saying in other words. I don't like that I have to pay yearly for my Gold Xbox live account but I do it.

Seriously, it's almost like you're throwing a temper tantrum just because they won't immediately make 100 payment options for a game you're not even paying for yet.

You're forgetting that Crysta isn't available in a lot of places. . .

[Kailea_Nagisa]

be careful Jennestia, when you make since around here, people tend to bit your head off ;p

[Seirra_Lanzce]

Jennestia!

I cant pay with UltimatePay/Paypal, and i can't pay with direct Credit/Debit card, they only offer me Click&Buy and they stated that my card region is not accepted. so how? :<

[Chocobits]

We have all read the statement by the reps that SE is looking into an alternate payment methods for FFXI. What we haven't read, however, was an explanation why direct payment was withdrawn from all but JP region players.. make your own countrymen jump through the hoops before enacting ludicrous a ludicrous payment policy. I wanna see the JP playerbase stumped with the same payment screen that was the subject of my censored signature. I'll buy Crysta the same day JP players are told they can't buy it in exact amounts or that they need to enroll in CnB to pay with CC. Until then, SE is trolling us.

[Catapult]

Just to recap, so I don't have to start baking cream pies for people to toss...

- Crysta IS an option, but it is not a solution. At best, it forms PART of a solution.

- People are more likely to trust the advice of their banking institution when a payment bounces than they are the advice of an overseas company. While ClickandBuy indeed is possible to use in foreign countries, they appear to have not sought to meet relevant international financial standards that would cause them to avoid being red-flagged by suspicious banks.

ClickandBuy has its uses as a payment option, but as a system that is based in the UK and Germany and clearly optimized for small purchases in those areas for local online shopping, it again is not a solution on its own. Through correspondence related in final fantasy forums (official and otherwise), ClickandBuy have also demonstrated that they are not set up properly to handle an international market.

Only a wide spread of payment options will be able to accommodate all players. My estimate is that current appropriate coverage is about 60%. I would want it to be closer to 200% so that each player would have on average two viable payment options they could go with, offering a feeling of control and choice to the customer.

Let us not forget that there are people like me who have been able to set up their ClickandBuy accounts without verifying their credit card through them yet, meaning they do not yet know if their payment options will bounce - if it bounces come pay2play, that will be what makes my decision for me as I trust in my bank and my country's (Australia's) financial regulations.

So there is a lot of work to do. I am expecting some heads to turn on September 1st when the PlayOnline>SquareEnix account conversion rates are interpreted by Square Enix accountants. Things should then get mighty interesting.

((I am trying to be more moderate in my posts on this topic, as it is my hope that Squeenix will respond better to a more calm and collected person presenting intelligent arguments.))