Ah, so everyone is able to bypass Click&Buy and UltimatePay to directly send payment to SE using a credit card now? Great news if that's the case, can check-off the first suggestion

Quote Originally Posted by Catapult View Post
Have a read on the Lodestone's topic for January 2012:

Prior to Jan 2012 it was indeed only the Japanese that had a direct Credit Card billing method, but that changed about ten months ago.

I'm guessing you haven't logged into the Square Enix Account Management System to check out your payment methods since 2011. This new payment method went live a few weeks AFTER billing started, so if you are unaware of the change, it is because you had a working payment method at the time that allowed your attention to not be drawn to the change.