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Adzeth: I'm guessing people just use the forum search function to find threads with the word "bank" or "gonads" or whatever and pick one of the results without looking at the dates.
Goes off to search for forum 'gonads'...
You guys should know that GOG loses money when you pay with credit cards too. So it doesn't really matter. Heck I think they get charged less when you pay with PayPal.
Post edited April 30, 2013 by Foxhack
Payment providers charge for the service they provide. It's a (small) cost of doing business, and one that GOG (and any merchant with realistic expectations) is prepared to deal with. I use a credit card because it works out cheapest and most convenient for me and GOG would get charged slightly less for the transaction, but if your bank is worse for transactions than PayPal then by all means use PayPal and don't stress about it.
I expect many of our GOG purchases are impulse buys.

Reflection on payment complexities interrupts the simple want-it-have-it mental process, a process which probably makes GOG a tasty amount of cash.

If a payment method isn't viable for GOG, they won't offer it. So let GOG worry about the transactions. Our job is to keep clicking the green button after minimal consideration.
I've used like four banks and 5 cards to buy games here and never had a fee like this. Complain to your bank.
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JudasIscariot: I use a credit card and I don't get hit with international fees. Your bank is suspect in this case. Also, all the prices are in US currency and IIRC GOG has a server in Texas...so where are the international fees again??
Damn archeology! I just thought you are not blue anymore :)
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StingingVelvet: I've used like four banks and 5 cards to buy games here and never had a fee like this. Complain to your bank.
I do get between a 12 and 19 cent charge depending on what I buy here. Not really worth complaining about since I don't have to pay tax for these purchases. I usually use paypal on GOG anyway.
My first online purchases with my VISA was here at GOG and I've always been charged that Interantional Transaction fee, my bank account is at the states, I get from $0.16 to $0.45 that has been the highest fee I've been charged, now buying from Groupees, HB, IndieGala, Steam and what-not hasn't generated such fees.

I really wouldn't like to be charged, but is not like it is destroying my bank account every time I buy something from GOG.
GOG are a Polish company registered for business in Tax-Haven Cyprus, which as we all know, was recently in the news because of their banks failing/bankruptcy and needing a €11bn bailout in which the crazy EU (read Germans) demanded that in order to receive funds, they must force their banks to "shave" upto 40% out of savings accounts first.

Cue international uproar. And a very rare mild display of "somewhat anti-EU shock" from British media and government.

Anyway, I used my debit card once or twice, a couple years ago now, and got hit with a £1.25 or so "fee". Went straight back to PayPal. Whatever they do for themselves, it amounts to a far more palatable ~£0.15-£0.25 per transaction to me.
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JudasIscariot: I use a credit card and I don't get hit with international fees. Your bank is suspect in this case. Also, all the prices are in US currency and IIRC GOG has a server in Texas...so where are the international fees again??
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Novotnus: Damn archeology! I just thought you are not blue anymore :)
Still blue, but in an AWESOME way :D
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JudasIscariot: I use a credit card and I don't get hit with international fees. Your bank is suspect in this case. Also, all the prices are in US currency and IIRC GOG has a server in Texas...so where are the international fees again??
It varies by bank and seems common in the US which really doesn't surprise me. The banks in this nation are notorious for screwing over their customers. The last bank I had charged fees for GOG purchases and is a major institution in my area (New England). I switched to a local credit union for a number of reasons and once again, they too charge "international" fees on GOG purchases. Actually, I believe they call them "exchange fees" which I assume refers to currency exchange.

These fees are small enough that I consider them inconsequential but it irks me the banks charge them at all. Of course, on their end, the aggregate of all this thievery pays off nicely I'm sure.

This is not the first time I've read complaints about fees being assessed by the banks of US customers. I have no idea of course, how it is elsewhere. It's worthy of note, in any given area of the country, the selection of bank companies is not infinite. There is only so many local choices convenient enough to consider using, depending on where someone lives. So the advice to change banks is not necessarily all that helpful.
Post edited April 30, 2013 by dirtyharry50
I never knew GOG is from Canada! Behind the sea of wieners...
Post edited April 30, 2013 by timppu
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Foxhack: You guys should know that GOG loses money when you pay with credit cards too. So it doesn't really matter. Heck I think they get charged less when you pay with PayPal.
How do you propose we pay if we don't use credit cards?

And, I highly doubt they get charged less by using PayPal, processing fees for bulk accounts tend to be rather low already, and both PayPal and CC issuers tack on a bit to cover the cost of providing insurance.
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JudasIscariot: I use a credit card and I don't get hit with international fees. Your bank is suspect in this case. Also, all the prices are in US currency and IIRC GOG has a server in Texas...so where are the international fees again??
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dirtyharry50: It varies by bank and seems common in the US which really doesn't surprise me. The banks in this nation are notorious for screwing over their customers. The last bank I had charged fees for GOG purchases and is a major institution in my area (New England). I switched to a local credit union for a number of reasons and once again, they too charge "international" fees on GOG purchases. Actually, I believe they call them "exchange fees" which I assume refers to currency exchange.

These fees are small enough that I consider them inconsequential but it irks me the banks charge them at all. Of course, on their end, the aggregate of all this thievery pays off nicely I'm sure.

This is not the first time I've read complaints about fees being assessed by the banks of US customers. I have no idea of course, how it is elsewhere. It's worthy of note, in any given area of the country, the selection of bank companies is not infinite. There is only so many local choices convenient enough to consider using, depending on where someone lives. So the advice to change banks is not necessarily all that helpful.
Yeah, but it really depends. I have a capital one card that doesn't charge me a foreign transaction fee, but my CU CC does.
Post edited April 30, 2013 by hedwards
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Vision: I know that using PayPal causes you to take a small hit in fees, but as much as I would rather avoid that by using a credit card straight up, when I do that, I get hit with "International Service" fees. (I'm guessing because I'm in the US while you are in... Canada? Or is it where your payment processor is located... I'm not really sure...)

Anyhow, using PayPal keeps those fees from getting charged, but you take a fee hit there. Maybe you want to look into a way to keep that from happening?
I also compared Paypal and VISA here. VISA had a 1.5% international fee, PayPal had just a 1.5% worse conversion rate $->€. So in the end VISA was 1 Cent cheaper (on the same day for the same amount on GOG). So my guess is that it really doesn't matter. You just use the payment channel that's cheapest for you and GOG has to figure out what payment channels to offer. In an ideal economy they might charge customers extra for using inefficient services.

Any I had the impression, GOG payments are somewhere in Cyprus???
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Foxhack: You guys should know that GOG loses money when you pay with credit cards too. So it doesn't really matter. Heck I think they get charged less when you pay with PayPal.
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hedwards: How do you propose we pay if we don't use credit cards?
I'm not saying you shouldn't use them. PayPal and Credit Card fees are already factored into their operation costs. So no matter which one you use, they're still going to lose a few cents due to payment processing. *shrugs*