Unable to use Visa debit (north American)

[TMW001]

If you live in the US and move over half of the continent, you'd also still be in the US. Not a lot of places are like this. I'm in central Europe. If I do this, I am travelling through three whole different countries with their own laws, payment systems and what not. And because all of the countries involved including my own are in the EU, I could work in all of them if it suits my fancy, with little bureaucratic effort. I don't know how common it is to move around and I cba to check statistics, but considering so many countries are in close proximity, I'd say it's more likely people move countries once in a while within Europe, compared to e.g. someone moving from USA to Canada or Mexico.

That aside, moving a country for better living conditions, a better job or even just boredom shouldn't lock a person out of their favourite game, no matter how common or uncommon this is. Nobody should be forced to use a fake address (and then get in trouble for it) or quit because SE's system is stuck in 1995 or so.

This is pretty much my situation lived in one state and moved to a new one last year cause my previous state rent was too much and its hard for me to change banks since my current bank is pretty much two hours from me now and a closer one is being built in my area maybe, and its a lot of work to change right now so my current address on my current living location won't match with my bank card. Also I pay month to month cause last thing I need is a charge hitting me at a bad time let alone I prefer paying entry sub it works in my budget.

[Taliriah]

THe issue is more likely on the payment processor side than SE.

The payment processor picked by SE. At the end of the day, it's not our problem: we are SE's customers, and it's up to SE to make sure their payment processor is up to par.

That said, after going through the hoops of renewing my sub through the bad SE's account management site, and seeing how it offered by default to renew my sub for 180 days and as "Standard" rather than "Entry" sub (I don't need the former, I don't do alts), the whole debacle may just be a dark pattern inciting us to pay in advance for longer periods rather than auto renewing on a per month basis: they prefer if you commit for multiple months upfront, and also this way they get their money in advance. Love to lend money to corporations.

Oh, and look, there's now an alternative! "Give us a bunch of money in advance to purchase our special SE funbux (aka "Crysta") and pay with those!"

[DalmascanBun]

Another sale, more money I cant give to SE, lmao
"Invalid Address" bs....
I have no problem with buying crysta, or paying 6 month sub its what I always did, but I literally am gridlocked and cant do *anything* because SE wont fix an issue with invalid addresses.

[ehbiwtf]

I was taking a break anyway. It's been almost a month now that I've been without an active sub, and it'll stay that way until visa debit is accepted.

[Eraden]

Mao SCARED! Mao logged into Mao account and checked Mao subscription and it said is still active and is paid for by credits card but when Mao try check payment info to see if right card listed, Mao could nots get button to take Mao to payment info. Mao subscription due to be renewed on 20th. Mao worried that subscription mights not be renewed and Mao might lose house! Mao REALLY scared!

[Myrany]

No mention of the Debit Card and other payment processing issues that I saw in the live letter.

They should be letting us know even if it is a "We are still working on the issue"

[KisaiTenshi]

For those of you who maybe don't know:
For the last few years, Fintech companies (Eg Paypal) have been shutting down access to foreigners. If you had a US bank account registered to your US registered Paypal account, but your address was not in the US, they would charge you for a failed transaction but not tell you why.

These companies that use US-based billing companies, still have this woefully naive world view that nobody travels, that it's somehow impossible to be an American while living outside the US, or being a foreigner with USD bank accounts drawn from US-based banks.

This billing situation smells like it's a bunch of the same problem, where the Debit cards are being denied because the debit card address isn't showing up as it should as, and thus the bank is denying it. For Canadians trying to use "USD" VISA Debit, or well any USD-denominated bank account, the billing system likely requires a US address to pay in USD. If you use a CAD based card issued in Canada, then the bank will see it as a foreign card, and charge the foreign bank in USD but will not attempt to verify the address. The problem comes up because "Visa Debit" is handled as a credit card transaction in the US, but as a interbank transaction outside the US.

So if you're having problems:
1) contact your bank and just ask if/why it was denied. It might be blocked, or the address might be mismatched. Billers are not supposed to accept mismatched names or addresses.
2) check what accounts are on your card. US cards pull only from the checking account when processed as a credit transaction. If you only have a savings account, then it will probably not work.

Other than that, problems on SE's side are going to probably stop at the bank SE uses. It's likely that everyone experiencing the problem likely is using the same bank or same "product". However you can't exchange card numbers to compare. You can however look up the BIN (first 6 digits of the card) and see who you're really dealing with, especially when it comes to prepaid cards.

[Malia_Chan]

It's entirely on Used payment processor side. Nothing is wrong with our accts. No need to contact your bank yadda yadda.

I never travel. Same card, same address. Yet I can't even buy a minion on the mogstation.

Guess that means I'll be saving money

[Malia_Chan]

It's entirely on Used payment processor side. Nothing is wrong with our accts. No need to contact your bank yadda yadda.

I never travel. Same card, same address. Yet I can't even buy a minion on the mogstation.

Guess that means I'll be saving money

Meant to saying it's entirely on SEs payment processor side.
Autocorrect sometimes ruins a good post

[Bright-Flower]

I'm able to get by with my sub and other features with the amazon option. But for some reason I cannot fathom, extra retainer service is STILL locked to credit/debit card ONLY. No crysta option, no amazon option. Leaving me unable to hire extra retainers or access any of the items my retainers are holding.

Is there a logical reason I'm missing why they would exclude extra retainer service from these extra payment methods?