Ultimate Pay does not seem to have these issues in my experience. I have had no actual transaction experience with Click and Buy, because their EULA and privacy policy are so wholly immoral and wanting for violent revolution by the dragging of their legal team and executives out into the streets to be (bannable language deleted) that i summarily refused to do any business with them. From your experience, it seems that click and buy really is that bad and i am truly sympathetic to your pain of having used them.
You could always call up "Bank of America" and tell them that you plan to be an illegal immigrant to the united states via border crossing from mexico, they will gladly provide you with a bank account and credit/debit card issued in the US, which should bypass any silliness in the SE payment system, especially with the new ability to directly use your credit card for payment.