That payment processor that escapes my mind now (the one that charges monthly) is incredibly shady from what I've heard, doing things like not letting people cancel MMOs because "they signed a contract" and requiring the player to block the payments with their bank--which the company will even contest sometimes. I haven't had too much issue getting Crysta what with the UltimateGameCards being easy to come by, but the billing system is still way overly complex, and the requiring payment for extra characters thing should be reconsidered.