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PlayStation Store Brazil now allows to pay games in up of 4 installments
Sushi_Combo
Member
How about giving us the option to gift digital games you assholes.
Guilty_AI
Member
Paying in installments? Regardless of how this is beneficial to companies there are no real downsides for the costumers. Unless they're bad with money management.
adamsapple
Or is it just one of Phil's balls in my throat?
To their credit, at least they're not charging more over the full price if someone is paying installments.
The feature seems useful, no negatives to it.
The feature seems useful, no negatives to it.
West Texas CEO
GAF's Nicest Lunch Thief and Nosiest Dildo Archeologist
Only in Brazil.
Banjo64
cumsessed
The win would be subsidising the cost for lower income nations and consumers.
Mr Moose
Member
It's the same price?
Fabieter
Member
The whole business model of companies like klarna is that alot of people are bad with money mangement.
adamsapple
Or is it just one of Phil's balls in my throat?
Shake Your Rump
Member
What do you mean?
We have several payment plan processors in Canada when ordering online, and they cost nothing for the consumer. It just splits the total between four payments, with no fees. I've used it several times despite having plenty of funds just because there is no down-side. I can keep money in my own accounts for as long as possible, earning interest.
nush
Member
Yes. How does it work, you pay for a quarter of the games price and get to play it right away? Then what happens when you don't make the next payment? Did you finish the game before payment 2 and don't care if it's taken away?
Fake
Gold Member
Many products in Brazil already do that, so I don't quite get your point. The real solution would be the removal of tax they put into games, but no chance. We are trying to remove tax from games for decades with no results so far.
There is no much to discuss when the subject is about poor countries like Brazil.
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Punished Miku
Human Rights Subscription Service
No true downside, just have to remember not to buy more than you can afford I guess.
I could see it being a positive thing for some people. Negative for others.
I could see it being a positive thing for some people. Negative for others.
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Fabieter
Member
Well no downsides if you know what you are doing I guess.
feynoob
Banned
It's easy to get in to a debt that way.
Some people are irresponsible with these type of purchases.
Guilty_AI
Member
The bigger issue are taxes on hardware. PC parts and consoles are easily double their original price range. On games, at least digital, unless they have regional pricing like on some PC stores, they just do 1:1 conversions, ending up with R$350 games or even $500
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Banjo64
cumsessed
My point is that enabling a payment plan for a single video game (4 instillments) is not a win at all.
Trogdor1123
Member
Financing video games… this what we have come to.
Fake
Gold Member
Agree, but again, some folks here in neoGAF told me that 'more options are always better', so we are at the mercy of the consumer to do the right thing.
I installment many objects, not only games here BTW. People just need to know their limits.
Yeah this is an old problem countries like Brazil have to face. We get prices like x4 the original price.
I remember PS4 launch price to be like R$ 7.000,00~9.000,00. Is very absurd.
I still find funny looking for games digital and sometimes digital are damn expensive in comparison with the physical. I got Dragon Quest Builders for PS4 at R$94,00, while the digital is R$299,90.
Magic Carpet
Gold Member
3 easy payments and 1 complicated payment.
FoxMcChief
Gold Member
Very cool.
Guilty_AI
Member
Physical depends a lot since there could be stores trying to burn through stock or one could get used disks.
Fake
Gold Member
Its a win for middle class. Everyone should have acess to games mind you. And again, I not talking about predatory practice companies ALWAYS DO, but rather we have more options to buy games.
I hate paying games using credit card, but my bank allow me to buy digital gift cards using debit instead of credit. Thats the kind of option we do need.
Gonna repeat myself if is not clear. Have options is good, I not talking about the half of the consumers that can't control their habits with credit card. Thats a fucking responsibility problem they need to adress by themselves.
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Aion002
Gold Member
That's not Sony's problem, that's the credit card company problem and you will get into trouble if you don't pay.
When you use a credit card, the seller automatically is paid by the credit card company and you now owe money to them.
:max_bytes(150000):strip_icc()/credit-card--concept-credit-card-payment-1156857742-c265746dcaea46e6bcc5f0bcda1ed871.jpg)
How Do Credit Cards Work?
Credit cards can help build credit while making purchases more convenient. Learn how credit cards work and best practices for using them.
Anyway, that's great. As every brazilian, I love paying in installments.
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Roman Empire
Member
That's pretty cool for the Brazilians bros.
thicc_girls_are_teh_best
Member
Now this is a good idea. Glad to see SIE are implementing (testing?) this in at least some markets. Something's gotta be done to balance out increased costs and certain factors outside of SIE's control; this is one of such things that just seemed inevitable.
Curious if it'll stay to a fixed 4-installment option or if they'll expand it in other ways. Could they make it a 12-month type of option, for example?
When I had mentioned this idea a while ago, I figured they could make a specific version for those accessing the game via an installment model, where you "check in" every month to make another payment and, so should you not make the payment, the game is inaccessible until you do make the payment. After some time, there could be a system update that among other things, checks the status of games and any installed without having an installment payment made after a long enough time, are automatically deleted.
Otherwise, until that point the game will just encrypt itself on the drive (or maybe it's a special version where you can't transfer the data files until the game's been fully paid off, then it gets an update to remove what's basically the DRM).
It'll only be a negative for people who are bad with money. And, well, that's their problem. Because chances are they're bad with money when dealing with way more important things than video games :/
Curious if it'll stay to a fixed 4-installment option or if they'll expand it in other ways. Could they make it a 12-month type of option, for example?
When I had mentioned this idea a while ago, I figured they could make a specific version for those accessing the game via an installment model, where you "check in" every month to make another payment and, so should you not make the payment, the game is inaccessible until you do make the payment. After some time, there could be a system update that among other things, checks the status of games and any installed without having an installment payment made after a long enough time, are automatically deleted.
Otherwise, until that point the game will just encrypt itself on the drive (or maybe it's a special version where you can't transfer the data files until the game's been fully paid off, then it gets an update to remove what's basically the DRM).
It'll only be a negative for people who are bad with money. And, well, that's their problem. Because chances are they're bad with money when dealing with way more important things than video games :/
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Generic
Member
Sony in Brazil demands third-parties to charge their games in dollar. This means games in the brazillan PS Store cost more than in other digital stores (Xbox, Steam, etc)
It happens when there's no real competition.
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Winter John
Member
Right. I didn’t even notice PP did that until I was buying some New Order records and it showed up at checkout. It’s way better than them 12 month bullshit plans.
ReBurn
Gold Member
I hope I never have to finance food
Matching energy
SenkiDala
Member
Exactly, sometimes you really want a game but don't feel like putting 80€ into it, so play it in 4 times might be a good idea and it's not like it's gonna make you go bankrupt.
Oddvintagechap
Member
They should do that, only if you have multiple security options turned on. I can see people sharing their accounts or the sort, then a year later notice that someone has been gifting games.
Saber
Member
They wouldn't do that because thats straight up helping consumers, something they do pretty much. Its a hassle to even get refunds.