By Leviathan.Comeatmebro 2012-12-17 04:51:34
Regarding Crysta
Due to legal hiccups, the Add Crysta option will not be displayed on certain Square-Enix accounts(based on country of registration). If your account is registered in one of those countries, you cannot buy crysta. This cannot be changed in any way, unfortunately.
Regarding Credit Card Errors
UltimatePay(which also processes every credit card transaction on SE site) has a strike-based fraud prevention system. If your credit card is from a region too far away from your current IP, you'll get a strike. Every time you try to enter it to get past the error, you'll get another strike. Each strike will block your card for a preset amount of time. I don't know how long these take to wear off, or what the cap is, but I do know it's at least 2 weeks. If you keep trying, you're just making it worse.
Regarding Click&Buy
Your Click&Buy region must match your SE region. IE: European C&B can only pay for European SE accounts. Likewise for NA. I understand they're a shady company, but unless you don't trust your bank to assist with any bad charges, it's probably the best bet. I haven't personally been ripped off by them, nor do I know anyone who has firsthand, but there are plenty of safeguards for credit card fraud these days anyway.
Just what I've learned dealing with them recently. Hopefully it's of some help, their billing is a shitshow.