Got it resolved. Paybycash (ultimatepay) are awesome. I called, Jeanette from the service walked me right up to the point where I needed to add Crysta, she took over from there and I now have the funds over to Sq.

I really wish I didn't like ff so much. Square Enix have the most horrendous customer service, payment system and policies I've ever experienced.

Hopefully what I did can help others.