Moneybookers... or Moneycrookers?

Dear moneybookers.com:

This is my first time using moneybookers.com. I'm using it because I'm trying to add $10 credit to my newly created Skype account. It has been one of the most unnecessarily complicated internet transactions I've had in ages. I try to pay using my credit card, a Visa. On most sites this process should take about two or three clicks. But after going through the numerous steps to create an account, verify my email address, verify my email address again for some reason, open a new browser because the site doesn't work in Firefox, add all my personal information, then--and only then, after I've given your site my information I get this informative message: " For security reasons, we cannot process your credit/debit card at this time." Why? Oh, of course, security reasons. That's the same blanket answer the Bush administration gives when it does something ridiculous. After poking around on the site a bit more, it seems I might have to verify my credit card. Why this wasn't told to me earlier in the payment process is absolutely beyond me. In order to verify it, I have to go through yet another lengthy processing involving SMS--which, on a trip in Europe, I don't currently have. My other alternative is paying through my bank account, which can take up to 2-3 days and requires me giving your website even more sensitive financial information that, for all I know, will not actually put the 10 DOLLARS I want to put into my Skype account.

Overall my major problems with the site are that there's a preposterously complicated process for making small payments and the site gives absolutely no warning of this process beforehand. Overall, it's been a frustrating experience and I'm considering just giving up. Or maybe just hand delivering the $10 bill to the Skype offices. It seems like it would be easier.

I'm also copying Skype on this email, because I think they did a poor job of choosing a payment company. I've had zero problems with PayPal.

Sincerely yours,
Christopher W.