That would require Steam (as the only one who has your CC/PP info) to do the checking since they are doing the actual Transaction.
I doubt that they are willing to do that - especially since there might be privacy concerns, most countries don’t allow CC info to be saved after the transaction is done, unless the user explicitly wishes so (for future purchases).
Steam is actually one of the very few where I do have payment info saved.
Usually I do onetime charges and leave the box “save CC info” empty, so that hacking into my accounts is basically useless.
Ehh it’s inconvenient and not a long term solution if addressing the problem punishes the legitimate player. And it is punishing because like people in other threads have stated, they will swipe to get an item on AH which will not necessarily be there 3 days later. I personally think this would be more easily mitigated if the 3 day hold was on the royal crystals themselves and not how you use them. It’s annoying but it’s easier to be in the habit of stockpiling crystals imo (which I already do) and am annoyed when I want to buy a skin for instance and swap them around my mules which I cannot do even though it’s within my own account.
Or they could determine a threshold of money spent so your account is trusted. The only gold that would be tied up would be gold acquired through horizontal content which is minimal and would only affect F2P players.
Not to mention that it would require sharing information that isn’t required for the actual purpouse of the transaction.
As far as I understand EU regulation, that is only legal if authorized separately (since there is a separate reason for giving the info to AGS that only tangently intersects with the transaction itself) by every user.
That would at least require steam to implement a routine into their payment processor (checking for the allowance before actually charging for the transaction) and a new UI element.
Changes in payment processors are expensive as f because they need a lot of tests before you are allowed to use them to well process payments. (There is a reason basically all companies use the same payment processors and only really big ones develop their own…)
Right which is why I suggest they move the restriction to using the crystals themselves instead of putting the restriction on the skins/items/gold you acquired with said crystals which is how it is currently and is annoyingly inconvenient.
I didnt say that 3 days hurt me. In fact, I dont mind. Its just that if you wanted to buy a certain item in AH and you are short of GOLD but you are willing to swipe to have enough gold for your desired item. Rather than raging after 3days of waiting and failed to grab that item.
They had implemented the change a week or two before the most recent set of skins and I thought it had to do with 2FA but I ignored it because I don’t swipe often outside of skins. Then the newest set of skins (bikini) came out and I, like many others, swiped for a lot of them. All it took was this one experience to be irritated and realize the better solution would be to put the hold on the crystals. All they had to do was sample a small amount of swiping players to come up with this better solution. Like I said, first time being inconvenienced, did not even take me minutes to come up with a better yet similar alternative. I wouldn’t even mind if you had the option when you swipe for RC to put the restriction on the crystals or items. That way if you’re swiping for skins to use for yourself for instance, you can still instantly use them but then the wait is on the items or if you stockpile crystals to swipe for gold, you could choose to have the wait on the RC and make them clear to use after 3 days until whenever you decide to use them. Lots of options of how to implement that would be significantly less annoying than it is currently.
It isn’t going to happen because it’s a privacy concern. Steam can’t share payment information with LA. You’re asking for LA to be able to check with Steam what your payment information is and then store that information on their own end which is a huge liability.
Except normal chargeback has a grace period of 6 months to 1 year depending on which bank or credit card company you use.
Unfortunately the game is facing Stolen Credit Card Fraud, which does get reported by the victims but still takes some time before institutions fully charge-back the payments that was made. By the time AGS is aware of the charge-back, its to late for them to ban the account and recover their losses. However with the 3 day delay it can provide just enough time to prevents the fraudulent accounts from transferring the ill gotten gold to another account, though preventing damage to the game.