1
Forum Settings
       
« Previous 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
Reply To Thread

Changes to PlayOnline Member Agreement (7/28/2009)Follow

#1 Jul 28 2009 at 7:43 PM Rating: Excellent
***
1,822 posts
Square Enix wrote:

The following section will be added to the PlayOnline Member Agreement under Article 5 "User Responsibilities" and will take effect as of Jul. 29, 2009:

5.2(e) Credit Card Authentication.
For your protection, SEI now requires that all new credit cards used for Fees be registered with either Verified by Visa(R) or MasterCard SecureCode(R). Please go to www.verifiedbyvisa.com or www.securecode.com to register your credit cards. If you do not register your cards on one of these sites, or if your credit card issuing bank has not signed up with either service, you will not be able to access the PlayOnline services. In such case, please contact your place of purchase for return, refund, or exchange subject to the return and exchange policy of the retailer. If:
(1) your place of purchase is unwilling to accept returns or exchanges of opened software AND
(2) you are unable or unwilling to register with Verified by Visa or MasterCard SecureCard AND
(3) it has been less than 30 days since you purchased the software, AND
(4) you are located in the United States or Canada, THEN you may contact PlayOnline Information Center at (858) 790-PLAY (7529) and request a full refund of your purchase price for the Licensed Software, not including shipping and handling charges. Please note that any refund is discretionary and will be contingent upon SEI's receipt of the complete Licensed Software package and confirmation that your credit card is not compatible with either system.

The PlayOnline Member Agreement can be found under "Rules & Policies" on the FINAL FANTASY XI official website or from "Rules & Policies" within "Service & Support" on the PlayOnline Viewer. Please read them carefully and make sure you understand them before you play the game.


Source: http://www.playonline.com/ff11us/polnews/news16615.shtml

And also:

Square Enix wrote:
We would like to take this opportunity to inform you that we will soon implement a security feature for your protection known as The Payer Authentication Service (3-D Secure). This will be implemented on July 29 at around 2:00 (PDT) after the scheduled registration server maintenance. You can activate these services now at the below URLs:

Visa customers: www.VerifiedByVisa.com
MasterCard customers: www.SecureCode.com

All customers are encouraged to activate the appropriate service beforehand to avoid any issues once the services are implemented. Anyone updating their payment information after July 29 will need to register with the appropriate service before the change can be made.

* Please be sure to check with your credit card company if you are not sure if this service is supported.

* If you are a current PlayOnline member and your credit card company does not support this service, please contact the Information Center for further assistance. Be sure to have the payment method ready when you contact the Information Center.

If you have any questions about these new services, we encourage you to visit the above URLs. Also, the PlayOnline Information Center can be contacted at the below times for further assistance.

We hope you will find additional peace of mind with these security features.

PlayOnline Information Center
https://secure.playonline.com/supportus/index.html
Monday through Friday
9:00 a.m. to 6:00 p.m. Pacific Time


Source: http://www.playonline.com/ff11us/polnews/news16614.shtml

Edited, Jul 28th 2009 8:46pm by EndlessJourney
#2 Jul 28 2009 at 7:45 PM Rating: Good
They have better security than my bank these days . . .
#3 Jul 28 2009 at 7:47 PM Rating: Good
Would have been nice if they would have posted this BEFORE the relevant bannings.
#4 Jul 28 2009 at 7:51 PM Rating: Good
***
1,822 posts
I'm glad they didn't even put this on the main page. I had to dig around for it. Not only that, they're giving people what, a 1 day notice to make sure they have it to avoid any issues? This is a bit of a complicated thing for people, and they're not giving people much of a warning for it. I also can't figure out if you have to do this for existing cards, or just new ones from this point on. I just started using a new card 1 month ago. Also, I use a debit card. Does this only apply to credit cards? Does it work for debit? God I'm so confused.

Inb4 more bans because people didn't update their payment information, or didn't have one of these features available to them.
#5 Jul 28 2009 at 7:55 PM Rating: Excellent
**
344 posts
No kidding
What, less than a days notice?
I just got a new credit card (my expires in the end of the month). So, on top of activating it, now I have to call them, see if it's supported by verified by visa, activate that, re-enter all my crap, all before the beginning of the day, and worry that I'm going to get booted for doing something wrong, instead of running my linkshell like I should be.

I'm normally a supporter of SE, but this is insane.

I understand why they're doing this, as most RMT accounts and credit cards won't go through this process, but for the love of god, 12hrs? No front page notice? This is pretty bloody major.
#6 Jul 28 2009 at 7:56 PM Rating: Decent
***
1,079 posts
The safe way to go is register anyway.
____________________________
FFXIV
Articus Vladmir
PLD WHM BRD DRG BLM
#7 Jul 28 2009 at 8:02 PM Rating: Excellent
***
1,822 posts
I still can't figure out if this is just credit cards or debit cards as well. I use a visa debit card tied to my checking account at my bank. What category does that fall under? I'm so confused. I also don't want to be freaking double charged again, because my account gets cut off, because I don't have this BS activated. And then my bank will yell at me, because I won't have double funds for electronic withdraws *sigh*.

Square Enix really is becoming a pathetic joke lately, I'm honestly starting to wonder what's up with them.
#8 Jul 28 2009 at 8:02 PM Rating: Excellent
***
1,368 posts
If this really does mean that we've got just a few hours to get our cards all registered for some service I've never heard of this is really bad timing.

Also,

Visa customers: www.VerifiedByVisa.com <---- this site does not work for me
MasterCard customers: www.SecureCode.com <--- this one does
#9 Jul 28 2009 at 8:03 PM Rating: Decent
Btw, this is an absurd standard.

JUST SAY NO
#10 Jul 28 2009 at 8:07 PM Rating: Good
***
3,737 posts
Sure is lucky there are only two credit card companies in THE ENTIRE WORLD... dodged a bullet on that one.. whew
____________________________
svlyons wrote:
If random outcomes aren't acceptable to you, then don't play with random people.
#11 Jul 28 2009 at 8:10 PM Rating: Excellent
What the hell . . .

They better @#%^ing start making prepaid cards for purpose like all other decent MMOs do if they are going to put people through this crap.

I cannot even get the Visa URL to work.

Correct Visa URL: https://usa.visa.com/personal/security/vbv/index.html?it=wb|/index.html|Learn%20More

Edited, Jul 29th 2009 12:12am by catwho
#12 Jul 28 2009 at 8:14 PM Rating: Excellent
***
2,815 posts
SE WI-WI-WI-WI-WI-WI-WINNING STREAAAK!!!!

/sarcasm off.
#13 Jul 28 2009 at 8:14 PM Rating: Excellent
46 posts
Hey...

Just wanted to post my two gil -- the Verified by Visa and Mastercard SecureCode programs are legit. We use them at my workplace (we process online payments). It's a little tricky since sometimes YOU have to sign up for the protection, sometimes your bank requires you to sign up, sometimes the protection is always on the card from when it is issued. Essentially, SE is making sure that if your bank hasn't required you, that you sign up for the protection.

That being said, I too am a bit irked about SE's lack of notice on this announcement, as it is annoying to have to update payment information.
#14 Jul 28 2009 at 8:20 PM Rating: Decent
***
3,737 posts
Quote:
Just wanted to post my two gil -- the Verified by Visa and Mastercard SecureCode programs are legit. We use them at my workplace (we process online payments). It's a little tricky since sometimes YOU have to sign up for the protection, sometimes your bank requires you to sign up, sometimes the protection is always on the card from when it is issued. Essentially, SE is making sure that if your bank hasn't required you, that you sign up for the protection.


Since you have some experience with the system I'll ask you... does it do anything? I mean seriously, I can make a logical assumption that this is a step towards making their billing system not auto-ban you if a refund is triggered on your card. However, since said refunds are frequently initiated by SE because they double-billed someone, or initiated by a customer because they were double-billed and SE didn't do anything about it.. What really, is this going to accomplish? It's unlikely this simple change will fix the billing system so that multiple-billings never happen again, it's equally unlikely that refunds initiated after this system goes live will prevent people from being banned for them.

Edited, Jul 28th 2009 11:20pm by Callinon
____________________________
svlyons wrote:
If random outcomes aren't acceptable to you, then don't play with random people.
#15 Jul 28 2009 at 8:21 PM Rating: Excellent
***
1,039 posts

One SE defense, and one SE knockdown.

"For your protection, SEI now requires that all new credit cards used for Fees..."

Notice the term "new". All of us old-timers don't have to rush to do anything with our existing credit cards on our existing accounts.

"For your protection, SEI now requires..."

I frickken, dam HATE it when all the weasels in the world begin statements like this with "For your protection". We do not NEED anything like this for our protection. Nada. WE, the consumer, are protected by the federal laws that regulate credit cards, and which limit our liability in the case of fraud.

This protects only the merchant (SE in this case).

It always pisses me off when merchants say "For your protection", which is simply a bald-faced lie by the weasels that craft such statements.


#16 Jul 28 2009 at 8:22 PM Rating: Decent
Scholar
***
3,141 posts
Jazman wrote:
Hey...

Just wanted to post my two gil -- the Verified by Visa and Mastercard SecureCode programs are legit. We use them at my workplace (we process online payments). It's a little tricky since sometimes YOU have to sign up for the protection, sometimes your bank requires you to sign up, sometimes the protection is always on the card from when it is issued. Essentially, SE is making sure that if your bank hasn't required you, that you sign up for the protection.

That being said, I too am a bit irked about SE's lack of notice on this announcement, as it is annoying to have to update payment information.


Maybe you missed the bit about how if your bank does not participate in the scheme you are screwed and can't play the game.
____________________________
.
#17 Jul 28 2009 at 8:22 PM Rating: Excellent
***
1,822 posts
catwho the Mundane wrote:

They better @#%^ing start making prepaid cards for purpose like all other decent MMOs do if they are going to put people through this crap.


GOD I WOULD LOVE THIS!

My bank hates Square Enix with a burning passion. There has been so many issues between Square Enix's bullcrap and my bank, they recommend me "stop using their services lol" each time I go in. Even my BANK thinks I should quit :/

Square Enix also does a thing, most of you are probably aware of, that if you're using a electronic withdraw, they will actually HOLD the amount of funds they need to withdraw WHILE they withdraw it. Meaning:

If you're POL Bill is $20 a month, they will put a $20 hold on your account WHILE they make the withdraw, meaning they have to have $40 total in your account just for the thing to go through. When you're like me, and your playonline bill is $30 a month with all your mules, and you have any kind of double charge, it means you seriously need hundreds of dollars in your bank, or Square Enix cuts you off, and your bank yells at you.

In all my life, I have never dealt with a worse company than Square Enix, and that includes the California Department of Motor Vehicles to.
#18 Jul 28 2009 at 8:27 PM Rating: Excellent
***
3,737 posts
What I'm most curious about, assuming the bit about this not applying to existing users immediately is true, is: What happens to an existing customer when they get a new card that doesn't participate in these programs? They've been a paying customer, probably for several years, and now they're SOL? Joy.

EDIT: I should really start proofreading these before I post them...

Edited, Jul 28th 2009 11:28pm by Callinon
____________________________
svlyons wrote:
If random outcomes aren't acceptable to you, then don't play with random people.
#19 Jul 28 2009 at 8:29 PM Rating: Excellent
46 posts
Callinon wrote:
Quote:
Just wanted to post my two gil -- the Verified by Visa and Mastercard SecureCode programs are legit. We use them at my workplace (we process online payments). It's a little tricky since sometimes YOU have to sign up for the protection, sometimes your bank requires you to sign up, sometimes the protection is always on the card from when it is issued. Essentially, SE is making sure that if your bank hasn't required you, that you sign up for the protection.


Since you have some experience with the system I'll ask you... does it do anything? I mean seriously, I can make a logical assumption that this is a step towards making their billing system not auto-ban you if a refund is triggered on your card. However, since said refunds are frequently initiated by SE because they double-billed someone, or initiated by a customer because they were double-billed and SE didn't do anything about it.. What really, is this going to accomplish? It's unlikely this simple change will fix the billing system so that multiple-billings never happen again, it's equally unlikely that refunds initiated after this system goes live will prevent people from being banned for them.

Edited, Jul 28th 2009 11:20pm by Callinon



Unfortunately, we don't work that much directly with the program, so I can't really speak too much into the specifics, but here is how it works basically:

The programs provide an extra layer of security by generally requiring additional information to be entered when completing payment (CCV code, etc) This varies from bank to bank, and in this case, since it is an automated payment, I'm pretty sure that the extra "information" won't be needed in this case. There's probably behind the scenes stuff between SE's payment processor and the banks to use the card's "Registered" status for extra security.

This helps SE because they basically have a Visa-backed security program that they can use, as well as advertise to their customers (us) that they are employing an extra layer of security. By subscribing to the program, SE can also get a better processing rate from their payment processor, since the chargebacks for fraud will probably go down significantly. My company also uses the Verified by Visa program for this as well. Think of it as a two way street: SE can offer extra security to us, and they can save some major fraud headaches too...

Again, still a pain to need to update the CC info though.
#20 Jul 28 2009 at 8:30 PM Rating: Excellent
38 posts
Wow thanks for the advance warning SE... We could definitely use some clarification on whether this takes effect for any that joins or changes their billing after 7/29 or for everyone.

Oh and to save some people some time, Washington Mutual/Chase debit mastercards don't seem to offer this service. My Capital One Visa is not able to use this either. What a joke.

Thankfully, I have a debit card with another bank that CAN use this. I'm just worried now I'll be banned to changing CC info. >.>
#21 Jul 28 2009 at 8:30 PM Rating: Good
*
66 posts
Well, I hope all of us old timers don't have to worry about it because, my great bank had this to say when I went to register.

Bank of America wrote:

At this time, only Bank of America consumer Check Cards (except OR, ID, and WA) are eligible for registration.


And of course, I live in WA now, for the past 2 years at that, so my gears are grinding a bit right now, a lot if I find out I can't play, after being around since NA launch, this one actually creeps me out.
#22 Jul 28 2009 at 8:32 PM Rating: Good
46 posts
jtftaru wrote:


Maybe you missed the bit about how if your bank does not participate in the scheme you are screwed and can't play the game.


The wording from SE is a bit off, but whether or not your bank automatically is enrolled in the Verified by Visa program should be irrelevant. Since the program is run by Visa (or a Visa third party), it has to do with you having a Visa card, irrespective of the bank that issues the card. You should be able to register your Visa or MC with the program.

Edit: --- Sorry if I misspoke. I haven't seen a particular card not able to sign-up with the VBV program. I'm going to bring this up to work now....

Edited, Jul 28th 2009 9:42pm by Jazman
#23 Jul 28 2009 at 8:33 PM Rating: Good
***
1,039 posts
Callinon wrote:


What I'm most curious about, assuming the bit about this not applying to existing users immediately is true, is: What happens to an existing customer when they get a new card that doesn't participate in these programs? They've been a paying customer, probably for several years, and now they're SOL? Joy.

EDIT: I should really start proofreading these before I post them...

Edited, Jul 28th 2009 11:28pm by Callinon



I'm thinking that, indeed, a new card from an existing customer will be affected by this new policy.

My defense of SE a few posts up aside, this is likely to bite me sooner or later, because at least once a year (sometimes more frequently) I unexpectedly get in the mail a replacement credit card with a new number to replace my existing card, because someone's database got hacked into and my existing VISA may have been compromised.

When that happens again (I'm due within the next 6 months), I'm pretty sure that I'll encounter this new policy.

#24 Jul 28 2009 at 8:36 PM Rating: Good
**
275 posts
Yes, would be nice for those of us in the pacific NW that have Bank of America if SE clarifies the issue. I've been playing and paying from the same account since NA release, and I don't think they'll be cutting me a refund check if I can't play anymore.

#25 Jul 28 2009 at 8:38 PM Rating: Decent
***
3,737 posts
Quote:
Yes, would be nice for those of us in the pacific NW that have Bank of America if SE clarifies the issue. I've been playing and paying from the same account since NA release, and I don't think they'll be cutting me a refund check if I can't play anymore.

I'll be very interested to see what happens to people in this situation, I suspect the number is non-trivial
____________________________
svlyons wrote:
If random outcomes aren't acceptable to you, then don't play with random people.
#26 Jul 28 2009 at 8:42 PM Rating: Decent
Yeah, but this is SE we're talking about, and they have a very bad track record when it comes to implementation of policies like this. Also, to pop this just hours before a registration server maintenance is pretty fishy in my book.
« Previous 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
Reply To Thread

Colors Smileys Quote OriginalQuote Checked Help

 

Recent Visitors: 331 All times are in CST
Anonymous Guests (331)