Throughout my entire history with se I have had a grand total of zero payment issues.

Paid the normal way for XI for as long as it existed - no issues.

Used click n buy for a short time with no issues, no fees, no nothing, but closed my account with them due to their dubious reputation.

Bought crysta via Playspan with zero issues. No fees, no nothing. Worked fine

Now I use the credit card option that was added most recently. No issues, no fess, no nothing.