This is an opinion of what I went through, it's my fix for out of country folks like me
Playspan (and their Ultimatepay program) has a very strong anti-fraud program, if you're not where your home address is, chances are you will get rejected. It's not square enix (though they did contract them), it's Playspan/Ultimatepay. It took me three days but I had to have my ffxiv fix and was playing by monday (hassle started friday, so weekend hours slowed down the process)
Well I live in the US but I'm traveling overseas and my 30 day trial was up. I put in my debit card information and no joy, I tried paypal and no luck, I then tried buying crysta first via visa, then via paypal, then I even bought an ultimate gamecard online and I kept getting these errors! I called square enix and they said there was nothing they could do and to call paypal or my bank....
I went to ultimate pay and couldnt find their phone number. I eventually found this number to work: 1-877-703-6339. I called them from colombia and they asked me for the activation code for the Ultimate Gamecard I had bought online at pcgamesupply.com (one of their authorized online sellers). you have to have an account with pcgamesupply to buy the card, and to do that they have to send you a text message to your cell phone, It took me 5 tries (pressing resend button, logging out and back in and again) until the text message arrived to my cell phone in colombia, you can choose the country and phone# to send the text message to btw.
so Ultimatepay checked the card's activation key, looked up the card and saw that I had tried to apply it to a ffxiv account#. This account number is NOT your login name, it's a number, and Ultimatepay won't see it until you try and fail to apply the card to ffxiv, so at mogstation you need to try using ultimatepay, the tab that says 4 or 5 more options, select ultimategame card, and enter it there, apply it and confirm it rejects the card. Then Ultimatepay will have the failed transaction on record (which has your numeric account#), and when u call them they'll ask you if you want them to manually apply the funds from the card. After that they email you to confirm you want to do so, and you reply yes you confirm you want the funds transferred to ffxiv, and after a while you are done with the nightmare! Once I got a hold of ultimatepay customer support, they resolved my problem real quick
I plan to buy like 4 cards and apply them all at once next time I do this lol. I'd hate to have to do this every month....
Hmm I noticed when I clicked ultimategame card customer support, it takes me straight to the UltimatePay support page (which sux in my opinion), so that means to me that Square Enix has Playspan controlling subscriptions via their own UltimatePay, who takes billing via debit/credit and their own UltimateGame cards. So yeah, everyone will probably have more luck talking to Ultimatepay (the consumer side of Playspan) just my opinion