Retainer service showing differing amounts

[worldofneil]

Retainers run for the same period as your subscription, which suggests that you've paid for multiple months at a time. So what they're charging you is a prorata charge to have a retainer until the end of your current subscription period. You can't pick the duration, they only run for as long as your subscription.

As for the currency, the game only has 3 regions (NA, EU and JP), but since Australia and NZ are also "PAL" regions, you get put into the Europe game region. Or at least that's how I understand, maybe someone else can explain better, but I don't think this is just XIV that does this.

Edit: As for the "could not be verified", possibly your card company doesn't allow transactions to be made made in Euro's, I don't know for sure, but just an idea.