Terrible Payment System

[Eunys]

Well if more fire needed to be added to this fire, people from FFXI including some friends who still play are getting additional charges such as "International Processing Fee" and "Currency Conversion Fee". These are ranging from two to six dollars... So yeah no joke this is a giant scam company no wonder BoA and Chase warn customers to not use this service while under investigation for fraud.

Edit: Waits for the C&B employee Kailea Nagisa to make a post saying how two of the nations largest banking firms are wrong and shouldn't be listen to. The charges are real honey, C&B is a joke and SE hasn't done anything to help FFXI people with multiple added Fees or Double Billings.

[Kailea_Nagisa]

Well if more fire needed to be added to this fire, people from FFXI including some friends who still play are getting additional charges such as "International Processing Fee" and "Currency Conversion Fee". These are ranging from two to six dollars... So yeah no joke this is a giant scam company no wonder BoA and Chase warn customers to not use this service while under investigation for fraud.

Edit: Waits for the C&B employee Kailea Nagisa to make a post saying how two of the nations largest banking firms are wrong and shouldn't be listen to. The charges are real honey, C&B is a joke and SE hasn't done anything to help FFXI people with multiple added Fees or Double Billings.

if they are truly being charged these "fees" then they need to take that up with C&B and SE, and not just sit there and bitch about it. I just find it a little odd that SE would use a company that is "shady", and was my original reason for saying people where over exaggerating. As anything on the internet though... pics or it didn't happen.

If they are truly doing this and people are not turning mole hills into mountains, then SE does need to kick them to the curb, followed by a lawsuit drive by.

[Catapult]

if they are truly being charged these "fees" then they need to take that up with C&B and SE, and not just sit there and bitch about it.

Some are, but are also hitting brick walls of futility with such attempts.

[Catapult]

Ok, so the "[EU] Square Enix Account Transfer & Payment Procedures FAQ (05/08/11)" thread has been updated in the XI forum. You guys are... not going to like this. Sorry to have to quote you like this, Bayohne.

We have added a few more articles to our Square Enix Support Centre and I wanted to make sure they were posted here as well to have a greater chance of exposure.

Q: Will FFXI/XIV users paying via C&B be subject to any additional administration or credit card usage charges?

A: As a FFXI/XIV subscription takes direct payments from a user's chosen payment method, it is not necessary to store funds in the ClickandBuy account. Therefore the charges outlined below will not be applicable to anybody simply using their C&B account to pay for their FINAL FANTASY XI or XIV subscription. Should a customer wish to use their ClickandBuy account for additional services, additional fees may be incurred. For more information on these, please refer to http://clickandbuy.com/GB_en/

Users may incur various charges when utilising a C&B account. These include but are not limited to the following:
- ClickandBuy charges a 'pre-loading' fee of 3.9% of any transaction into your ClickandBuy account when using a credit card.
- There is a handling fee charged for withdrawal of funds from a ClickandBuy account of £1.85/€1.85.
- If a ClickandBuy account has been inactive for 1 year and contains funds, a maintenance fee of £1.00/€1.00 may be charged.

Please note players paying for their FINAL FANTASY XI or XIV subscription in a currency other than EUR or GBP will be subject to a foreign exchange rate of 5.9% per transaction.

Q: Do Square Enix plan to make further payment providers available to customers?

A: While we don't have specific details to share at this time, we are continuing to look for ways to improve the payment processing options. We will continue to take all the feedback we receive as we strive to make the experience as user-friendly as possible for all of our customers going forward.

Q: Why is Crysta not available in all countries?

A: Crysta is restricted to certain EU territories due to legal and financial regulations. However Crysta may become available for additional regions in the future.

Q: Why are some countries not supported by ClickandBuy?

A: Restrictions are in place for countries with whom the EU are prevented from trading with through sanctions or to those where FINAL FANTASY XI or XIV is not supported. Any problems with ClickandBuy registration in supported countries should be escalated to ClickandBuy customer services at http://clickandbuy.com/GB_en/contact.html

Q: Why is Square Enix switching from the PlayOnline billing setup to Square Enix Account billing?

A: Square Enix has opted to employ an external company for the processing of payments to offer the highest level of security to customer transactions.

Once again, the SE bigwigs seem to have entirely missed the point, particulalry on the last part - major banks are telling their customers that Click&Buy, their only available payment option to many supported regions, is a serious security risk. And yet they are still processing internally for Japanese credit cards anyway so... CONTRADICTION!

If you're outside the EU or UK, I deduce C&B will charge your account in Euro or pounds anyway (but converted from US costs) because they are not allowed to charge you a foreign currency charge as per SE's assertions. You will instead receive this currency conversion charge from your credit card issuer!

And if you're not in a "supported" region, sucks to be you. >_>

/sigh

[Nabiri]

I just find it a little odd that SE would use a company that is "shady", and was my original reason for saying people where over exaggerating. As anything on the internet though... pics or it didn't happen.

This could be turned around the other way as well.. you have no proof that they they're a perfectly honest and trustworthy company. You have no reason to say that people are over exaggerating.
It's never safe to assume anything.

[MariyaShidou]

This could be turned around the other way as well.. you have no proof that they they're a perfectly honest and trustworthy company. You have no reason to say that people are over exaggerating.
It's never safe to assume anything.

Well Steam also has CnB as a payment option.

[Nabiri]

Well Steam also has CnB as a payment option.

I'm sorry, I'm unsure what that has to do with what I said.
I was talking about making assumptions about things, and Kailea_Nagisa's instant judgments on people's claims.

What were you getting at? I'm just confused because it has nothing to do with what I was talking about and you quoted me.

[Eunys]

Well Steam also has CnB as a payment option.

Steam has options:

1. Direct Credit / Debit Card
2. PayPal
3. Click and Buy
4. WebMoney
5. iDeal
6. PaySafeCard
7. Moneybookers
8. Sofortüberweisung / DIRECTebanking.com
9. Wallet / In Game Transactions

The problem with SE is the lack of options (trusted or otherwise). There is two for most people C&B or third party game card. Then there is people with only one option available to them. There is also some who currently have no way of paying at all do to either the third party payment option rules or their local governments rules against said payments (such as crysta(virtual money) is banned from some areas).