16 replies to this topic

[Joshua Obrien]

Every time, every single time I try to pay for something Xsolla buggers the hell out of it and turns what should be a 2 minute transaction into a 2 day affair of calling my bank and calling customer service for Xsolla just to have them say **** like "Oops our system forgot to put in the transaction code to show you paid us."

Seriously PGI get a new payment system or bring back the ability to use karma coin or something because I'm about to stop giving you guys money.


/rant

[Kyrie]

When they fixed my Paypal in Puerto Rico issues, Xsolla became flawless -- but using any kind of credit card is a hopeless task due to the international transaction suspicions.

[Mar-X-maN]

Yeah I had my fair share of Xsolla over the years. But Patience does a hell of a job and always fixes things.

[LordNothing]

micro transactions can be really expensive as payment systems tend to charge by transaction and not by amount paid. if you are getting charged a buck a transaction for people buying 7$ mc packages or varients off the gift store it can really cut into their profits. xsolla is probibly set up to handle micro transactions better than other alternatives, for example charging a percentage rather than a flat rate. they can get around this by cutting corners and generally having the same eye for quality that pgi does.

[Kyrie]

Paypal does a fixed percentage (usually 2.9%) and a $0.30 fee per transaction.

PGI has to be losing out as logically, Paypal is charging Xsolla that fee, and Xsolla is charging *more* to make up for this.

The usual advantage to using a payment processor such as Xsolla (see: https://xsolla.com/pricing/) seems to revolve on chargeback protection in exchange for what would be a 2.1% premium over accepting something like Paypal directly.

This is an important issue dealing with virtual goods...

[McValium]

It sadly is very difficult to find a payment system that works well with a million payment options and availability in every country.
For example from Germany using pay pal through Xsolla i have zero problems. while other friends from the USA have problems with payments getting blocked by their banks.

If you have specific repeated issue i would suggest contacting billing@mwomercs.com and see if it can be worked out from their side towards xsolla.

If its an issue on Xsolla´s side please contact their support and try to work it out with them if its a regular/constant problem

If its your bank denying payments regularly its often usefull to contact them and whitelist.

[DaMuchi]

time to start playing MWO on steam.

[JC Daxion]

First time i bought something with my CC through them i had to call the bank and get them to make it work. I think they flagged it some how so it now works. Perhaps It is flagged as a suspicious purchase if you never buy something from them before. Even Normal stores the card can often not work, with out a phone call. But once i buy something from the store, i don't have to call again.

I guess that is good right?

McValium, on 01 August 2017 - 04:27 AM, said:

If its your bank denying payments regularly its often usefull to contact them and whitelist.

Yea, this..

[El Bandito]

Luckily Xsolla almost immediately completes my purchases here in Mongolia.

[Lily from animove]

worked fine via paypal.

What I wonder is that I paid 10$ and tax here is 19% and they made it 1,60$ tax. This means the net price is 8,40. Which I doubt is the original products price.
so this means depending on the country they sell to, the profit differs on the taxes of that country?

Now I really wonder what PGI gets after paypal and xolla get their part of the deal, especially when they give 5$ into the price pool of the tounrament.

DaMuchi, on 01 August 2017 - 04:44 AM, said:

time to start playing MWO on steam.

can you even pay these things with the steam wallet? I think on steam you can only buy stuff from the steam store page and not the other stuff we have here on the website.

Edited by Lily from animove, 01 August 2017 - 06:34 AM.

[Lucian Nostra]

Never had a problem in the us with it using PayPal or a credit card.. dunno prolly lotta stuff can go wrong with payments

[Metus regem]

Lucian Nostra, on 01 August 2017 - 07:33 AM, said:

Never had a problem in the us with it using PayPal or a credit card.. dunno prolly lotta stuff can go wrong with payments

One of my personal favorites is how their system charges me USD, now I am Canadian, so first my Credit Card charges me a higher exchange rate to go from Canadian to US, then Xsolla charges PGI to change USD to Canadian at a higher rate, meaning PGI gets less money for the exchange than if they had just given me an option to pay in Canadian dollars.... Now when I buy something for MWO, I make sure that if it is a mech I really want I just buy the full pack, rather than get one piece at a time, so that I can avoid compounding exchange rate charges....

[Lily from animove]

Metus regem, on 01 August 2017 - 07:41 AM, said:

One of my personal favorites is how their system charges me USD, now I am Canadian, so first my Credit Card charges me a higher exchange rate to go from Canadian to US, then Xsolla charges PGI to change USD to Canadian at a higher rate, meaning PGI gets less money for the exchange than if they had just given me an option to pay in Canadian dollars.... Now when I buy something for MWO, I make sure that if it is a mech I really want I just buy the full pack, rather than get one piece at a time, so that I can avoid compounding exchange rate charges....

do you think the higher credit card charge on change is actually going to PGI? I guess that extra change charge is what your bank just takes.

Edited by Lily from animove, 01 August 2017 - 07:53 AM.

[Metus regem]

Lily from animove, on 01 August 2017 - 07:52 AM, said:

do you think the higher credit card charge on change is actually going to PGI? I guess that extra change charge is what your bank just takes.

No I know that PGI is not getting a cut of the exchange rate that my credit card takes for doing the exchange for me, but I know that PGI loses a percentage of the exchange back from USD to Canadian dollars as either Xsolla or their bank takes their cut for doing the exchange for them. In other words, I wouldn't be surprised if PGI gets $20-23 Canadian for every $20 USD charge... current exchange rate is $20 USD = $25.07 Canadian.

[davoodoo]

LordNothing, on 01 August 2017 - 03:50 AM, said:

micro transactions can be really expensive as payment systems tend to charge by transaction and not by amount paid. if you are getting charged a buck a transaction for people buying 7$ mc packages or varients off the gift store it can really cut into their profits. xsolla is probibly set up to handle micro transactions better than other alternatives, for example charging a percentage rather than a flat rate. they can get around this by cutting corners and generally having the same eye for quality that pgi does.

All while steam uses moneybookers for less than 5$ transactions...oh and they pay vat too.

Edited by davoodoo, 01 August 2017 - 08:00 AM.

[STEF_]

Wanting to buy some MC, I've just spend 2 damn hours...for nothing.

No code for credit card payment (nor cell message or from email), no payment from paypal.

PGI sucks even when u want to give money to them. LOL

McValium, on 01 August 2017 - 04:27 AM, said:

It sadly is very difficult to find a payment system that works well with a million payment options and availability in every country.
For example from Germany using pay pal through Xsolla i have zero problems. while other friends from the USA have problems with payments getting blocked by their banks.

If you have specific repeated issue i would suggest contacting billing@mwomercs.com and see if it can be worked out from their side towards xsolla.

If its an issue on Xsolla´s side please contact their support and try to work it out with them if its a regular/constant problem

If its your bank denying payments regularly its often usefull to contact them and whitelist.

So why did I never ever have problem with steam??

[BARegulator]

This used to cause me a bunch of problems when I lived in MX. I guess XSolla can't fathom the idea of somebody living in another country and trying to buy something using a US credit card and wanting to pay in USD. They would always try to charge me in pesos no matter what I tried to do to set the currency to USD. That, in the end would charge a foreign transaction fee to my CC. Most times they just blocked the transaction though. To buy anything I would have to VPN into the US and pay that way. Unfortunately not everybody has easy access to a VPN they trust to transmit CC details.

My issues got resolved when I moved back to the US.