Jump to content

Unable to pay with credit card

Vikingninerthree

By Vikingninerthree
in General Discussion

 Share

Recommended Posts

Vikingninerthree

Vikingninerthree

Posted
Posted

In the past week I've tried repeatedly to buy cartel coins through the website, but my payment keeps getting rejected. I contacted my bank, and they say that the payments get rejected because EA's system doesn't give me a chance to perform two-factor authentication - which is mandatory for online payments in the EU (they specifically said that the payment attempts don't comply with the PSD2 rules).

(I also contacted EA support, but they were adamant that the problem wasn't on their end).

Is anyone else having this problem at the moment? I think I found some older posts with similar problems, and I seem to recall that I've personally also run into it earlier.

Link to comment
Share on other sites
MortenJessen

MortenJessen

Posted
Posted (edited)

Welcome to the new reality: at the end of 2023 no more EU players will subscribe to SWTOR. There will be 3 servers with only f2p, and then BW will close them. 

Because BW was told (by me among others, the whole last year and 2023 untill I canceled my sub and no longer gives a "insert sexy word for human to human interaction"), that EU laws from the end of 2023 will forbid any payments that does not use the two-factor authentication. And that will also hit Steam, before you ask, as they are as behind as EA and BW, now Broardsword. But that is the story. Enjoy being f2p low life from the EU, like me. Because BWs answer to those of us who told them: We dont give a BEEEP about SWTOR any more, so why should we invest like 2-3 million dollars into a new payment method?.

There you have it.

 

Edited by MortenJessen
Link to comment
Share on other sites
SteveTheCynic

SteveTheCynic

Posted
Posted

Do you have a citation for there being a change at the end of 2023 (and what that change is)?  All the information I've found shows that PSD2 is already in effect.

Example, back in the summer there was a scare-post saying that subscription renewals charged to accounts in EU banks would be rejected because of PSD2/SCA in October, and mine went through effortlessly *after* the predicted date.  (My bank is in the EU...)

Link to comment
Share on other sites
MortenJessen

MortenJessen

Posted
Posted (edited)

They were implimented in June 2022, with a latency implementation period between 12 and 18 months. Meaning January 2024.

Electronic & cash payments and rules on surcharges - Your Europe (europa.eu)

Revised rules on payment services (europa.eu)

Duly note that the futher PSD3 will be implimented in late 2024 too.... But any information on that I can find is only second hand:

PSD3: Everything you need to know - Adyen

 

But the real juice is here (The coloured lines are quite literally subscriptions). When those terms has been met, you HAVE to validate any futher payments with two-factor authentication, and that is were BW/now Broadsword fails. Because you CANT.

 

Does strong customer authentication always apply?

PSD2 allows for the application of exemptions in some circumstances, however your bank may still choose to apply strong customer authentication if they believe the transaction requires it.

Under PSD2 the following exemptions may apply:

  • Low value remote (online and mobile) transactions up to €30
    Except: When a cumulative value of €100 is reached. Or when 5 payments of up to €30 have been made
  • Contactless card payments up to €30
    Except: When a cumulative value of €150 is reached. Or when 5 contactless payments of up to €30 have been made
  • At unattended payment terminals for transport fares and parking fees
  • Payments to trusted beneficiaries that you have set up through your bank
  • Corporate initiated payments subject to Central Bank of Ireland security approval
  • Accessing some account information – like account balance or 90 days’ worth of transactions
Edited by MortenJessen
Link to comment
Share on other sites
SteveTheCynic

SteveTheCynic

Posted
Posted
1 hour ago, MortenJessen said:

They were implimented in June 2022, with a latency implementation period between 12 and 18 months. Meaning January 2024.

Electronic & cash payments and rules on surcharges - Your Europe (europa.eu)

Observation: the above link says clearly that strong customer authentication (including multi-factor) is already required:

Quote

By December 2020, you must ensure that your e-business is able to perform strong customer authentication, such as two or multi-factor authentication

 

1 hour ago, MortenJessen said:

Revised rules on payment services (europa.eu)

This page mentions no dates.

1 hour ago, MortenJessen said:

Duly note that the futher PSD3 will be implimented in late 2024 too.... But any information on that I can find is only second hand:

PSD3: Everything you need to know - Adyen

The above link says clearly a few things:

Quote

Timeline: There is yet to be a clear timeline for implementing PSD3 and PSR.

and:

Quote

The finalized versions might be accessible by late 2024.

and:

Quote

The member states usually receive an 18-month transition period, suggesting that PSD3 and PSR could take effect around 2026.

So it's not quite as pressing as you're making it out to be.

1 hour ago, MortenJessen said:

But the real juice is here (The coloured lines are quite literally subscriptions). When those terms has been met, you HAVE to validate any futher payments with two-factor authentication, and that is were BW/now Broadsword fails. Because you CANT.

 

Does strong customer authentication always apply?

(((etc)))

This text is not in any of the three pages you linked.  Can you provide a link?

Link to comment
Share on other sites
MortenJessen

MortenJessen

Posted
Posted (edited)
53 minutes ago, SteveTheCynic said:

Observation: the above link says clearly that strong customer authentication (including multi-factor) is already required:

Yes. See the later part about problems with recurring payments/accumulated value...

 

53 minutes ago, SteveTheCynic said:

This page mentions no dates.

2 hours ago, MortenJessen said:

28 June 2023. It is the very first thing (almost) it says.

 

53 minutes ago, SteveTheCynic said:

So it's not quite as pressing as you're making it out to be.

So you did not read it. It clearly states:

The finalized versions might be accessible by late 2024. The member states usually receive an 18-month transition period, suggesting that PSD3 and PSR could take effect around 2026.

Note that this means "LATEST CASE", as IF PSD3 is implemented on time, the countries has at most 18 months to adapt. Implemented means "IN EFFECT" and from then on you have 18 months to comply or you get some sort of punishment. Depending on what you mean by pressing, and how BW has so far ignored 2 years of warnings... I disagree.

As an aside, it takes quite a long time to actually get the infrastructure made and ready for this kind of projects. The company I work for, took around 10 months to just implement PSD2. And brutally speaking, it already had a quite developed infrastructure for web-sales, and far better resources available than BW in the IT department.

53 minutes ago, SteveTheCynic said:

This text is not in any of the three pages you linked.  Can you provide a link?

It is. You just have to read. Directive (EU) 2015/ of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (bpfi.ie)

But here is a link to a summery: Additional Security for recurring Card Payments - Banking & Payments Federation Ireland (bpfi.ie)

 

Edited by MortenJessen
Link to comment
Share on other sites
SteveTheCynic

SteveTheCynic

Posted
Posted
8 hours ago, MortenJessen said:

28 June 2023. It is the very first thing (almost) it says.

Yes, indeed, it is.  That is the date that the page was published, ffs.

8 hours ago, MortenJessen said:

So you did not read it. It clearly states:

The finalized versions might be accessible by late 2024. The member states usually receive an 18-month transition period, suggesting that PSD3 and PSR could take effect around 2026.

Yes, indeed, that was, indeed, text that I GDMF cited from the page, fffs.

8 hours ago, MortenJessen said:

Note that this means "LATEST CASE",

???

8 hours ago, MortenJessen said:

as IF PSD3 is implemented on time, the countries has at most 18 months to adapt. Implemented means "IN EFFECT" and from then on you have 18 months to comply or you get some sort of punishment. Depending on what you mean by pressing, and how BW has so far ignored 2 years of warnings... I disagree.

What part of "There is yet to be a clear timeline for implementing PSD3 and PSR" and "The finalized versions might be accessible by late 2024" (note the word "might") makes you think there's any concept of "on time" yet?

8 hours ago, MortenJessen said:

It is. You just have to read.

I did read.  Three times, to be sure.  I even asked my browser to search for some of the text.  I didn't find it.

8 hours ago, MortenJessen said:

Directive (EU) 2015/ of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (bpfi.ie)

But here is a link to a summery: Additional Security for recurring Card Payments - Banking & Payments Federation Ireland (bpfi.ie)

OK, so you should have cited *those* pages in your previous post.

Link to comment
Share on other sites
ThanderSnB

ThanderSnB

Posted
Posted
8 hours ago, MortenJessen said:

As an aside, it takes quite a long time to actually get the infrastructure made and ready for this kind of projects. The company I work for, took around 10 months to just implement PSD2. And brutally speaking, it already had a quite developed infrastructure for web-sales, and far better resources available than BW in the IT department.

I'm pretty sure the payment system is handled by EA. With how many games and DLC they are selling, they probably have a big team to work on that sort of thing. Also, a lot of times companies wait until the last moment to do something like this. Depending on the penalties, it might even be more profitable for them to pay a few fines before implementing it. I'm not saying EA is doing anything like that, but I've seen other companies do this.

Link to comment
Share on other sites
MortenJessen

MortenJessen

Posted
Posted (edited)
9 hours ago, SteveTheCynic said:

Yes, indeed, it is.  That is the date that the page was published, ffs.

Oh, so that was what you meant. Well, it clearly states it was adopted in 2015. The page provided is a summary, last updated and clarified on the mentioned date. Now I know you always play strawman, but even you cant be that stupid...

9 hours ago, SteveTheCynic said:

What part of "There is yet to be a clear timeline for implementing PSD3 and PSR" and "The finalized versions might be accessible by late 2024" (note the word "might") makes you think there's any concept of "on time" yet?

Because that is the time schedule the EU works with. When the text on the second hand source I found was made, it was not yet set. The PSD3 was only agreed upon November 7th, 2023 (Payment services (europa.eu)), but the final text is not made yet. So the original plan for it to become law in mid to late 2024 is in the air. But like chess, you can not really rely on your opponent NOT making the time control. You still have to play and make moves as if he does.

9 hours ago, SteveTheCynic said:

I did read.  Three times, to be sure.  I even asked my browser to search for some of the text.  I didn't find it.

You even asked for a link, so that must mean you know what they are and how they work. Now, from there....

9 hours ago, SteveTheCynic said:

OK, so you should have cited *those* pages in your previous post.

The whole page/both of them, is only about this piece of paper (lawtext), and how it works... Not being able to find it, on a page dedicated to it....

 

9 hours ago, SteveTheCynic said:

Please note: I'm not saying that EA and/or Broadsword 'mostly EA, in fact, since they're the publisher) shouldn't pay attention to this, just that what's cited doesn't actually justify it.

Well... The laws of the EU also is in effect for both you and BW. Justification enough. Or do you always drive 200 km/h in towns, just because 40 km/h is not justified?

Edited by MortenJessen
Link to comment
Share on other sites
OwenBrooks

OwenBrooks

Posted
Posted
On 11/19/2023 at 2:57 AM, Vikingninerthree said:

In the past week I've tried repeatedly to buy cartel coins through the website, but my payment keeps getting rejected. I contacted my bank, and they say that the payments get rejected because EA's system doesn't give me a chance to perform two-factor authentication - which is mandatory for online payments in the EU (they specifically said that the payment attempts don't comply with the PSD2 rules).

(I also contacted EA support, but they were adamant that the problem wasn't on their end).

Is anyone else having this problem at the moment? I think I found some older posts with similar problems, and I seem to recall that I've personally also run into it earlier.

I gather you are from Denmark, there is a known issue with certain credit cards issued out of Denmark, this has been around for at least a year now 

https://answers.ea.com/t5/General-Discussion-Technical/Can-t-Subscribe/m-p/11841765#M94514

Suggest using paypal or another payment method

Link to comment
Share on other sites
MortenJessen

MortenJessen

Posted
Posted (edited)
12 minutes ago, OwenBrooks said:

I gather you are from Denmark, there is a known issue with certain credit cards issued out of Denmark, this has been around for at least a year now 

I would not actively tell customers that THEY are to make up for a companys slack... That is part stupid (trust), but also potentially illigal: Unfair contract terms - Your Europe (europa.eu)

See 11

Oh, and the "known issues" with cards from Denmark, do you know what it is?? It is because Danish banks HAS to use multi-factor authentication BY LAW. And has been required to do so for the last 11 months and 20 days. Presicely.

Edited by MortenJessen
Link to comment
Share on other sites
OwenBrooks

OwenBrooks

Posted
Posted
3 minutes ago, MortenJessen said:

I would not actively tell customers that THEY are to make up for a companys slack... That is part stupid (trust), but also potentially illigal: Unfair contract terms - Your Europe (europa.eu)

See 11

I am a player so i would suggest if you are living in Denmark and the credit card is not working then i would suggest using paypal or pay via steam

Link to comment
Share on other sites
MortenJessen

MortenJessen

Posted
Posted
2 minutes ago, OwenBrooks said:

I am a player so i would suggest if you are living in Denmark and the credit card is not working then i would suggest using paypal or pay via steam

Very few Danish banks works with Paypal because they are expencive (and too unsecure and they do not live up to Danish standarts in customer protection, meaning the banks them selves will have to hold such costs and legal fall out). And Steam is still working on their multi-factor authentication solution, so that is so far not an option yet. 

But I take it you will elevate this to say "change bank"?

Link to comment
Share on other sites
OwenBrooks

OwenBrooks

Posted
Posted
40 minutes ago, MortenJessen said:

Very few Danish banks works with Paypal because they are expencive (and too unsecure and they do not live up to Danish standarts in customer protection, meaning the banks them selves will have to hold such costs and legal fall out). And Steam is still working on their multi-factor authentication solution, so that is so far not an option yet. 

But I take it you will elevate this to say "change bank"?

I live in Australia, you could move here :) 

I gather you managed to pay for a subscription some how given you are posting here , i can only suggest what other Danish people have found worked for them

Link to comment
Share on other sites
MortenJessen

MortenJessen

Posted
Posted (edited)
1 hour ago, OwenBrooks said:

I gather you managed to pay for a subscription some how given you are posting here , i can only suggest what other Danish people have found worked for them

I live in Denmark. There is no way I can pay for this, I even talked directly to my bank (very rare these days, that a bank actually does that, and then over such a trivial matter), and they can not make it work as long as BW/EA dont change their payment methods. Only one bank in Denmark allows for this kind of payment (for now that is, untill they might have to change too) and that is a Norwegian Bank (Norway is not a EU member). 

BTW... Did you not know that pref. players can post on the forum?

Edited by MortenJessen
Link to comment
Share on other sites
TziganeNZ

TziganeNZ

Posted
Posted
On 11/21/2023 at 3:05 AM, OwenBrooks said:

Only subscribers are allowed to post here, Preferred can post at AHQ https://answers.ea.com/t5/General-Discussion-Technical/bd-p/star-wars-the-old-republic-en or on Steam https://steamcommunity.com/app/1286830/discussions/

Not correct - I was able to post here freely when I was a preferred player.  The trick to to not log out of the forum after you've changed from sub to pref....

Link to comment
Share on other sites
OwenBrooks

OwenBrooks

Posted
Posted
3 hours ago, TziganeNZ said:

Not correct - I was able to post here freely when I was a preferred player.  The trick to to not log out of the forum after you've changed from sub to pref....

Cookies may allow you to post for a period after your subscription drops , but it does not change the fact , these forums are intended as subscribers only

Link to comment
Share on other sites
 Share
Go to topic listing
×
×
  • Create New...