Square Enix Account Transfer Information Page(6/27/2011)

[Not Kuno]

Probably nothing because they aren't getting bent over and fucked like the rest of the world. For them it's the same shit but somewhere else.

[test123]

I have 3 different passwords for a wierd reason, 1 for POL, 1 for SE account and one for Website Account management. None of them works to log in after I TRANSFERRED....

[drwaffles]

Anyone have insight on what the JP think about the billing changes?

They're probably delighted by the NA rage and the prospect of a chunk of them quitting the game.

[MaachaQ]

Proof that ClickandBuy is not doing what SE said they were supposed to be doing. We were not supposed to have to pay any international fees to use that service, but when I tried setting it up a few days ago, here is what happened to my bank account:



This was using my US Debit card, since I was unable to register my Korean credit card at all. I cannot use my US card to pay for FFXI because I am unable to send enough money to the US to cover my subscription for more than a couple months. I cancelled the ClickandBuy service that same day, before these charges had even been made, here is the email they sent me when I cancelled:

Dear Ms. Park,

Thank you for contacting ClickandBuy and for your message.

Our records do not reflect the charges mentioned in your message. This indicates that you are referring to pre-authorised charges or reservations, which either occurs when you attempt to make a purchase that fails or when we verify the validity of your payment method during the registration process.

This transaction is purely a reservation and no funds are taken from your account; they are merely reserved by your payment provider. After approximately five working days, the reserved charges are automatically released.

In the event that the reserve does not get released please contact your credit card issuer to speed up the process.

Please select answer or reply when responding to this email as opposed to sending a new email as this will aid us in resolving your issue with more efficiency.

Yours sincerely,

ClickandBuy Service Team

Those were not precharges, they were actual charges and I got charged fees for them. Even if the charges themselves are reversed in a few days, I highly doubt I will be getting those fees back. Sure it's only a few cents, but I should not have incurred those charges at at all...

[Altariel]

The 1.77 and 1.62 are probably the preauthorization charges. They usually get refunded within about 3 business days. Is a pretty standard practice to authorize account that way, Paypal does it too. The "international service fee" looks to be a fee assessed by your bank not by the company making the charge.

[Ksandra]

The "international service fee" looks to be a fee assessed by your bank not by the company making the charge.

the thing is, they are supposed to charge it in the correct currency so the bank doesn't do that in the first place.

[Altariel]

It probably has nothing to do with the currency. Many major US Banks started a cash grab several years ago where they began assessing fees for transactions even when processed in dollars just because the company issuing the charge is located outside the US. If you have one doing this you should get a different bank.

[Pharaun]

It's not a fee by the banks, that ISA fee is something that is assessed by VISA/Mastercard/etc that the banks are responsible for collecting. Now it's true that some banks just eat the fee and don't pass it on to the customer, but for most financial institutions that's not really feasible as those fees add up quickly.

Edit: Not to say that click and buy is completely in the clear either. They should know about that fee and have a way to processes transactions in the correct region if they are going to live up to their promises that they made to SE.

[Dimmauk]

After reading these stories about what my friends overseas is going through with this account transfer and Click and Buy, I took a look at Click and Buy on Wiki....

ClickandBuy
From Wikipedia, the free encyclopedia

ClickandBuy International Ltd
Type Online Payment and Money Transfer Service
Industry e-commerce
Founded Cologne, Germany (1999)
Headquarters United Kingdom London, England / UK
Area served Worldwide
Parent Deutsche Telekom
Website www.clickandbuy.com

ClickandBuy International Ltd is an e-commerce business that allows payments and money transfers to be made through the Internet. It is one of the largest online payment service providers on the Internet.[citation needed] Their website claims ClickandBuy now has over 13 million customers who can pay at over 16,000 merchants – including the Apple iTunes Store, AOL, MSN, Napster, Orange, Parship, bwin, McAfee, and Steam.

Originally established in 1999 in Cologne, Germany, they later established operations in the United Kingdom with head offices in London and under the regulation of the Financial Services Authority (FSA). On 25 March 2010 it was announced that Deutsche Telekom had acquired ClickandBuy International Ltd.

[Altariel]

If it is a dollar transaction there is no exchange fee by Visa. This was a douchey fee that the banks started charging because they can. This is exactly what is discussed here under "Bank's Cut" http://www.smartertravel.com/travel-...tml?id=2663605 I worked for a company that had a business address in Costa Rica for tax sheltering purposes though all of their actual operations were in the US and charged in US Dollars through a US Bank. Still we had customers calling pissed off that their bank charged these fees on a daily basis.

[Ksandra]

They should know about that fee and have a way to processes transactions in the correct region if they are going to live up to their promises that they made to SE.

ya I worded it wrong, but this is basically what I was saying. SE stated there would be no fees as long as you don't store money on CnB (which is still retarded fyi because even paypal doesn't charge you for that). And this is showing that is incorrect.

[MaachaQ]

If it is a dollar transaction there is no exchange fee by Visa. This was a douchey fee that the banks started charging because they can. This is exactly what is discussed here under "Bank's Cut" http://www.smartertravel.com/travel-...tml?id=2663605 I worked for a company that had a business address in Costa Rica for tax sheltering purposes though all of their actual operations were in the US and charged in US Dollars through a US Bank. Still we had customers calling pissed off that their bank charged these fees on a daily basis.

The card I used is a VISA debit card, based on my college credit union account. That is the only US bank account I currently have, and since I'm in Korea and won't be making a trip to the US for at least another 6 months, it is my only choice for a US bank. If those so called precharges are refunded in a few days but the fees are not, I will definitely be contacting them to try to get the charges removed. If neither the precharges nor the fees are removed, I will raise hell with both C&B and my bank...

[Pharaun]

If it is a dollar transaction there is no exchange fee by Visa. This was a douchey fee that the banks started charging because they can. This is exactly what is discussed here under "Bank's Cut" http://www.smartertravel.com/travel-...tml?id=2663605 I worked for a company that had a business address in Costa Rica for tax sheltering purposes though all of their actual operations were in the US and charged in US Dollars through a US Bank. Still we had customers calling pissed off that their bank charged these fees on a daily basis.

That article is way out of date and only talking about conversion fees not ISA fees. I deal with this every day as part of my job, so I know exactly what I'm talking about. This is not a currency conversion fee, this is an International Service Assessment fee, the ISA fee is charged on all transactions occurring out of the financial institutions country that aren't subject to a conversion fee. This fee was setup by the Card Networks (VISA/Mastercard/etc.) themselves to help recoup some of the cost of international transactions that were being processed in ways to avoid currency conversion fees.

The fee is actually smaller than a conversion fee, conversion fees are 1% of the of the total transaction, but some financial institutions add another 1-2% to cover their costs. The ISA fee is .8% of the total transaction and like I said earlier applies to all transactions that are processed out of the Financial institutions country. Again some financial institutions make choose to add an additional percentage, others just pass the base fee on to the card holder, and still others just eat the cost. I wish this was just a made up fee because then I would be able to stop tracking foreign transactions and not worry about having to pay those fees to VISA on a daily basis.

Edit: I'm sure that Click and Buy will just say that it's the banks fault and that they can't control whether or not those fees get charged, which is what really has me ticked off. I'm willing to bet that they have processing partners in North America that they could route their billing through, but they seem to be lazy as fuck and won't do it.

[Gwynplaine]

ITT people learn that banking regulations are incomprehensible.

[Yubar]

Ok, this might be a dumb question but the registration maintenance that is happening today. The payment is taking the money from the method we had before we did the transfer, right?

[Rune]

It has probably been asked in this thread but is it possible to just buy one of those Ultimate gamer cards from the store and use that to buy crysta? I really want to avoid this whole "giving my info to a 3rd party bs".

[Cail]

If you buy the crysta via paypal, how long does it usually take to show up on your SE account balance?

[Ksandra]

It has probably been asked in this thread but is it possible to just buy one of those Ultimate gamer cards from the store and use that to buy crysta? I really want to avoid this whole "giving my info to a 3rd party bs".

I believe so because you do it through ultimate play and they don't require you to have an account.

[jimbobsonofgod]

If you buy the crysta via paypal, how long does it usually take to show up on your SE account balance?

Think it was damn near instant for me.

[Cail]

2nd Edit: Its finally in there