Showing Posts For Pictish.3410:
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I am pretty sure that was the system that Lotro did with turbine points, it is not illegal plenty of companies do it thats why you see that silly little 1 quid fees that are returned that is them checking if the card is valid. Some companies have already moved away from it in the last few years because at the end of the day its them that loses the goods/money in disputed/fraud type transactions.
I think what gailegray meant about how the CCV was used, was the initial transaction in that they can not see it. Not that they are storing it.
The other option they may be using is that the initial transaction uses the CCV code, when it passes the card is deemed valid and any further transactions will use that card details minus the CCV, some payment gateways allow that for things like monthly or reoccurring billing. But to do that on a game where accounts can be accessed by hacking or are a target for hacking(all forms including phishing ect) is a really really safe idea and there is simply no need as there is not a monthly payment and people could very easily make a seperate transaction each time with the CCV for maximum protection. I would really hope that someone considering how many companies have been hacked recently would not go with the no CCV option
I said that. That’s twice I’ve caught you replying without reading the last one or two posts in a thread!
Sorry dog went out for a dump halfway through typing post so your post wasnt up yet I did post that but for some reason that post has been removed
The other option they may be using is that the initial transaction uses the CCV code, when it passes the card is deemed valid and any further transactions will use that card details minus the CCV, some payment gateways allow that for things like monthly or reoccurring billing. But to do that on a game where accounts can be accessed by hacking or are a target for hacking(all forms including phishing ect) is a really really safe idea and there is simply no need as there is not a monthly payment and people could very easily make a seperate transaction each time with the CCV for maximum protection. I would really hope that someone considering how many companies have been hacked recently would not go with the no CCV option
If they are storing the 3 digit CCV code that is contrary to mastercard and visa policy, if they are not using CCV codes for processing then they are idiots.
I have as sneaky suspicion they have technical issues with their payment gateway in that it is not terminating the sessions after x amount of time. You might have noticed on your CC and bank accounts online as well as payment gateways that after a certain amount of time they autolog you out, if this is not done then your card is “live” all the time and all you do is type in how much you want to buy without going through security checks, it has happened before on payment gateways.
[Buying] What is the right version for our region?
in Account & Technical Support
Posted by: Pictish.3410
Edit-they changed the guide, apparently being an Argie you will default to the US datacentre, but will still be free to roam Europe worlds.
The stores are set to what country you set your account too, for instance my details say UK so I have to pay with UK currency and UK rates, Russians get US rates and use US dollars, if you are in the EU apart from Ireland you pay Euro rates, its a really unfair system the guy standing next to me using the store could be buying stuff for 1/3 less.
(edited by Pictish.3410)
It has happened, someone lost £200 from their credit card. And Anet isn’t responding to the thread because they don’t want people to see it.
They are not responding to the thread because its a my mate thread, as his “mate” he has no right to discuss anything to do with another persons data, and as it is a “claim” of fraud" there may be a criminal investigation.
Also under section 75 of the consumer credit act being that the purchase is over £100 he was covered immediately for the loss.
As for removal of private data the company has 28 days to respond to any request to remove data which comes under Act 1 of the Uk data protection act, similar schemes are run by most Eu countries or US companies that have signed up for safe harbor scheme. Also they may be regulations/ best practices relating to holding data by organizations such as PCI Security Standards Council and the EPC in the EU.However fully agree with everyone here if they have indeed been bypassing even the most basic of security for the processing of payments although it may not be illegal, but in this day and age considering the line of work they are in that is stupid beyond belief. They should shut the system down until their payment gateway has rectified this.
Well his mate has to, since I am assuming the other guy can’t log in to his account due to the hacker gaining access and spending his money.
And im sure nobody would come on here and say it for a laugh to have a chance to have their accounts banned for trying to stir up trouble.
Common Sense man.
But yeah 3 digit CVV/CVC codes are not allowed to be stored, and monthly payments via CCs doesn’t use these 3 digit codes per month as that has been agreed initially with the first payment.
Either way its still disgusting, the guy who lost £200 may have hit his limit… or maybe caused him to go slightly over it, which means monthly charges for doing so, which means more money to be paid until the guy can do something about it.
Not really common sense, his friend had already followed the correct process by contacting them, they will not discuss anything on an open thread about financial details nor with a person they can not verify as the owner of the card or account Data Protection Act prevents that. Also he doesn’t name his friend or support ticket number he is not exactly helping speed up things is he. There is not to much proof that this actually happened. Although it is possible.
As for the CCv regs that could cost them their merchant license, unless of course they are not storing them and what is happening is their payment gateway sessions are failing to end after a certain amount of time.
It has happened, someone lost £200 from their credit card. And Anet isn’t responding to the thread because they don’t want people to see it.
They are not responding to the thread because its a my mate thread, as his “mate” he has no right to discuss anything to do with another persons data, and as it is a “claim” of fraud" there may be a criminal investigation.
Also under section 75 of the consumer credit act being that the purchase is over £100 he was covered immediately for the loss.
As for removal of private data the company has 28 days to respond to any request to remove data which comes under Act 1 of the Uk data protection act, similar schemes are run by most Eu countries or US companies that have signed up for safe harbor scheme. Also they may be regulations/ best practices relating to holding CC data by organizations such as PCI Security Standards Council and the EPC in the EU.
However fully agree with everyone here if they have indeed been bypassing even the most basic of security for the processing of payments although it may not be illegal, but in this day and age considering the line of work they are in that is stupid beyond belief. They should shut the system down until their payment gateway has rectified this.
(edited by Pictish.3410)
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
so your telling me they don’t have to pay fees for internet, data center upkeep, wages for employees who work on said data centers, the maintenance and upkeep, and utilities for the places housing the data centers….need I continue. It’s very possible that because EU wages are higher, and possibly the cost of services mentioned above, you pay more….
the sheer power needed to maintain the data centers alone would need regular income, and lets face it, the game purchase is a one time deal. So they make millions of dollars (which they spent in making the game) by the sales. They worked on the game for 5 years, so don’t forget to include the wages of all the hundreds of employees and contractors working on the game for a 5 year period. Now you can subtract all that from the profit made from initial sales. Don’t forget to also subtract initial server/data center cost and set up.
Your right, the gems don’t cost them anything, but all the things that keep the game running do. Every second the game is up, is money out of their pocket.
There are 2 datacentres one in the US and one in the EU, so the player next to me who might be from say russia or china is paying a third less for the same items on the same server than I am. The polish/russian server again because poles are billed in euros and russians are billed in dollars you also have that difference.
So you basically have people on the same data hubbs and worlds paying different rates, so how exactly does a russian player use more resources than a polish player?
Your bread example is nonsense 2 people standing in the same shop buying the same product do not get charged different rates based on which part of town they are from. I could understand if everyone on the EU client payed the same and everyone on the US client payed the same but that is not the case.
(edited by Pictish.3410)
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
The EU has one set VAT charge per type of goods, so no matter where you are in the EU even if the company is or is not in a country that is a member of the EU, the consumer will stay pay the same rate.
As for the price increase in terms of pounds vs dollars for diamonds, you forget that ArenaNet isn’t operating from a 2nd seller on the channel islands so is them subject to other taxes also. So they have to offset the costs to the consumer, so the consumer in essence is paying for those taxes plus the VAT also.
No it does not, The EU has multiple VAT rates for goods and services for its members. Digital contents normally is covered under services.
And again you are making a rather silly point regarding extra expenses, they are using the same US prices in alot of other countries there is Euro , pounds and dollars that is the 3 pricing schedules they have.
/facepalm…
>ITPR (in the previous reply) user doesn’t read and understand what I said, and repeats it in their reply.
>I said “The EU has one set VAT charge per type of goods” which depending on what the good is they have a set VAT charge, like the UK also, food is 0% and digital goods is 20%
>2012I understood exactly what you said and it is wrong, VAT on goods is set by each EU country, it may be different per type of good but it is also different from country to country. What they have is an agreement for most items meaning that they will not charge local rates on goods purchased within the EU when they are brought into another EU country with some exceptions such as cars.
So to simplify since you appear to be having issues,
Is there different VAT rates for different goods within a single country yes
Are those rates the same across the EU NO.Each EU country has its own rates of VAT. In the UK there are three rates.- source directgov
“I said “The EU has one set VAT charge per type of goods” which depending on what the good is they have a set VAT charge, like the UK also, food is 0% and digital goods is 20%” – that is wrong
You are starting to contradict yourself to be honest.
I originally said any goods coming into the country and not being a member of said state has to have the VAT of the country it is being sent to applied. Said that a few times now.
Yes each country has their own tax levels, but EU-VAT is different. If goods come from a non-member state then it qualifies for a Distance Sales VAT rate which is static if below the value of 100,000 euros.
Go back and read your own posts please before throwing the word contradiction about. To do such a huge U-turn after what you have written is almost funny if you had not derailed the thread with your rather misguided arguing even after the rules and companies sites giving the regs regarding taxation were posted in the conversation.
I am not going to bother arguing with you anymore, so please do not derail the thread any more especially if you are going to backtrack like your last post.
I have linked the terms of sale for apple based in ireland supplying to the UK, which tells you why where the company is located is important, it is the same as any other EU-UK selling company or outside EU company, you have constantly argued it is not the companies location yet now say it is, you have had EU rules and been directed to check on the HMRC, yet you still denied everything that was said.
You have been consistently wrong. you have derailed the thread, stop now please.
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
The EU has one set VAT charge per type of goods, so no matter where you are in the EU even if the company is or is not in a country that is a member of the EU, the consumer will stay pay the same rate.
As for the price increase in terms of pounds vs dollars for diamonds, you forget that ArenaNet isn’t operating from a 2nd seller on the channel islands so is them subject to other taxes also. So they have to offset the costs to the consumer, so the consumer in essence is paying for those taxes plus the VAT also.
No it does not, The EU has multiple VAT rates for goods and services for its members. Digital contents normally is covered under services.
And again you are making a rather silly point regarding extra expenses, they are using the same US prices in alot of other countries there is Euro , pounds and dollars that is the 3 pricing schedules they have.
/facepalm…
>ITPR (in the previous reply) user doesn’t read and understand what I said, and repeats it in their reply.
>I said “The EU has one set VAT charge per type of goods” which depending on what the good is they have a set VAT charge, like the UK also, food is 0% and digital goods is 20%
>2012
I understood exactly what you said and it is wrong, VAT on goods is set by each EU country, it may be different per type of good but it is also different from country to country. What they have is an agreement for most items meaning that they will not charge local rates on goods purchased within the EU when they are brought into another EU country with some exceptions such as cars.
So to simplify since you appear to be having issues,
Is there different VAT rates for different goods within a single country yes
Are those rates the same across the EU NO.
Each EU country has its own rates of VAT. In the UK there are three rates.- source directgov
“I said “The EU has one set VAT charge per type of goods” which depending on what the good is they have a set VAT charge, like the UK also, food is 0% and digital goods is 20%” – that is wrong
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
The EU has one set VAT charge per type of goods, so no matter where you are in the EU even if the company is or is not in a country that is a member of the EU, the consumer will stay pay the same rate.
As for the price increase in terms of pounds vs dollars for diamonds, you forget that ArenaNet isn’t operating from a 2nd seller on the channel islands so is them subject to other taxes also. So they have to offset the costs to the consumer, so the consumer in essence is paying for those taxes plus the VAT also.
No it does not, The EU has multiple VAT rates for goods and services for its members. Digital contents normally is covered under services.
And again you are making a rather silly point regarding extra expenses, they are using the same US prices in alot of other countries there is Euro , pounds and dollars that is the 3 pricing schedules they have.
LISTEN IT IS RATHER SIMPLE….
IT IS NOTHING TO DO WITH THE COMPANY OR WHERE THEY ARE BASED.
Hence why depending on the item if you buy from the US through other channels it costs a lot in shipping fees to the UK, the reason being to cover sales taxes etc plus the VAT.
The company has to sell to you at their normal price they offer or choose to offer + taxes they incur for doing so + your VAT rate.
At the moment the company has no choice but to sell at your current level of VAT etc, that will change in the EU in 2015 when a law is passed for the company to be able to choose their own rate or the country of the consumers rate.
It is amazing how many people think its the other way around, including laws, people still think buying from an American company while the consumer is from the UK, means they have to adhere to American law. When that isn’t true either.
As someone who spent seven years importing collectors items from the US and selling all over the world you are talking utter nonsense.
The company does not pay the VAT or the Duty you do to the courier, the company has nothing to do with that. You are also not liable for their sales taxes of that country as it is an export. Unless it is purchased within the EU in which case you pay the EU countries sales taxes not your own and do not have to pay duty/VAT in the UK. That is how importing most goods work. In the case of digital downloads which are classed as a service it is the place of supply that takes precedent on VAT rates. And FYI the channel islands had the way their VAT on goods changed over 6 months ago.
AND maybe you should listen or even read the link provided or even check HMRC guidelines or maybe even look at every large company that sells digital downloads and their VAT rates(they all explain that in their FAQ), I am pretty sure when apple states it will charge you 23% VAT because that is Ireland’s rate where their service is based they are not doing it for fun . The VAT is based on where they are supplying the service from.
“The VAT rate for Apple customers who purchase Electronic Software Downloads or other Apple products which are classified as services under EU VAT law will be 23% Irish VAT. This is because the place of supply of these products under EU VAT law is Ireland as the country from where Apple Distribution International makes these supplies.”
I am pretty sure apple may know a little bit more about the laws than you.
My god man the HMRC have moron proof flow charts on how VAT applies to digital items both from within the EU and outside.
There is no reason at all for them to be charging 36% more for UK people or the slighly less for those that are paying in Euros. America has sale taxes too, so does australia, china, russia, and all the other countries they provide the US prices. Some of those have taxes upto 30% yet they are being charged the US rate.
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
The EU has one set VAT charge per type of goods, so no matter where you are in the EU even if the company is or is not in a country that is a member of the EU, the consumer will stay pay the same rate.
As for the price increase in terms of pounds vs dollars for diamonds, you forget that ArenaNet isn’t operating from a 2nd seller on the channel islands so is them subject to other taxes also. So they have to offset the costs to the consumer, so the consumer in essence is paying for those taxes plus the VAT also.
No it does not, The EU has multiple VAT rates for goods and services for its members. Digital contents normally is covered under services.
And again you are making a rather silly point regarding extra expenses, they are using the same US prices in alot of other countries there is Euro , pounds and dollars that is the 3 pricing schedules they have.
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
That does not explain ireland being charged that, and VAT does not work that way.
Actually any goods including digital form is subject to VAT in the UK.
That depends on several factors, where the company is based if it has a base in europe, Also the US has sales taxes too, several other countries which are using the US dollar payment method also have the same price as the US but have the same taxation as the UK. VAT is also 20% not nearly 37%.
Who said anything abour 37%?
And also its nothing to do with where the company is based, this is a huge misconception, if they trade with someone in the UK, that person has to pay VAT, some businesses can try and avoid some sales taxes by re-selling in the channel islands like Amazon do to keep their costs down, but that doesn’t benefit the end user who still has to pay the VAT.
Not all VAT is 20% btw, but in terms of Digital Goods or Physical Media it is 20%, but depending on what item is bought it can range from 20% to 10% to 5% to 0% (food is 0%)
37% is the price increase for buying with GBP.
I am rather aware of what VAT is as well as Import costs
If the supplier is based outside the EU then VAT is charged to the consumer at their own local rate.
If the supplier is withing the EU and the consumer is within the EU and not a company then the suppliers own countries VAT rate applies. That is why so many headquarter in places like Luxemburg .
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
That does not explain ireland being charged that, and VAT does not work that way.
Actually any goods including digital form is subject to VAT in the UK.
That depends on several factors, where the company is based if it has a base in europe, Also the US has sales taxes too, several other countries which are using the US dollar payment method also have the same price as the US but have the same taxation as the UK. VAT is also 20% not nearly 37%. and Ireland is 23% that is why apple downloads are charged at that rate because that is their base.
(edited by Pictish.3410)
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
The same reason they sell the game here in Australia for AU$90 when the Australian dollar is worth more then the US dollar and its only US$60 or less to begin with.
These game companies love ripping people off where ever they can and then clearly don’t even provide enough support to get thousands of people unbanned weeks after it happened.
however, this is not an account issue.
It is a billing issue therefore it is an account issue.
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
That does not explain ireland being charged that, and VAT does not work that way.
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
Doubtful it has anything to do with taxes as other countries are all using the US prices/currency .
I would also point out that they maybe need to check some maps as last time I checked Ireland was not part of the UK and does not use the UK pound, if you type in northern Ireland it defaults to the UK prices(same as wales scotland ect) which it should do but it also does that if you type in Ireland which uses the Euro and is not part of the UK.
(edited by Pictish.3410)
[Buying] What is the right version for our region?
in Account & Technical Support
Posted by: Pictish.3410
the game may not be region locked but any store purchases are, You have to purchase at your home regions prices/currency.
Gem costs why are the EU paying 18 dollars more for 4000
in Account & Technical Support
Posted by: Pictish.3410
Why are Eu players being billed more for gems
The US pays $50 for 4000
If you buy in euros you pay 50 Euros which is $64
If you buy from the UK where I am it is set at £42.50 that is $68 or $53 Euro
I would point out that is 36% more and being that both credit cards and paypal both allow you to purchase in dollars I do not see why they are charging more.
(edited by Pictish.3410)
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