I am with OP on this. I have been trying to use Ultimate Pay to buy Crysta but each time I use Pay Pal I get a "Failed Transaction" AND the amount is deducted from my account at the same time.

And what about players who doesn't have access to Crysta? I have a Brazilian friend that ONLY have C&B as a payment option and after registering his card with them and tried to subscribe on FFXIV he got a message that C&B doesn't support FFXIV for his region?