For what it's worth, I was able to bypass this (Paypal with Ultimate Pay, Or regular CC/DC didn't work) by buying Crysta with an Ultimate Game Card. The UGC has authorized online resellers listed at the following page: http://www.ultimategamecard.com/buyonline.html - I used Offgamers, but you can use whichever you wish. They'll provide you with a PIN code after you pay for the card. After you login to secure.square-enix.com , you can choose "add crysta" on the left side, then choose the amount you wish to add. You'll be provided Payment options, choose UltimatePay. One of the tabs at the top should be Ultimate Game Card, and you enter the PIN you were provided when you paid for the online Ultimate Game Card. It should then work. This was the ONLY option I was able to get to work for me.