Crazy Joe Davola 2014 年 10 月 7 日 下午 5:00
So Steam is in Canadian Dollars now and I can't tell if I'm being screwed...
Some games are now $10 more than they used to be, some are just slightly less than they would be if I had bought them with USD using my Credit Card company's exchange rate (ie: about $5 more), others are somehow the same price they were before. Any other Canadians not know how to feel about this?
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正在显示第 286 - 300 条,共 526 条留言
Coffee 2014 年 10 月 8 日 上午 9:05 
引用自 Satoru
I like how you were not buying at retail before but now you're magically patriotic and want to pay taxes? Hypocrite.


Where i live, nearly no store handle retail PC games for a long time now. lol
Mikoto 2014 年 10 月 8 日 上午 9:05 
引用自 HLCinSC
引用自 Sarok

yeah, i think anyone who is defending this change really does not understand economics or any form of buisness logic when it comes to conversions.

i will gladly eat my hat if steam actually will reflect the market changes in our prices though (they wont)
After this initial wave it is on the publishers/developers to select their prices. When the US dollar was a lot weaker they didn't automatically lower prices.

fix'd for you

also everyone keeps claiming this is soley on the publishers to do these changes but that isnt even true in this situation because the publishers arent price gouging in retailers in comparison to here, so whats the difference between going to ap hsyical store and buying on steam? the difference is steam

this shows clearly when you actually compare the prices of stores like bestbuy, gamestop, futureshop ect to steam prices, if this was soley up to the publisher then the prices would be exactly the same as those locations, not more than those locations and certainly not less
BananaJane 2014 年 10 月 8 日 上午 9:13 
引用自 Sarok
引用自 HLCinSC
After this initial wave it is on the publishers/developers to select their prices. When the US dollar was a lot weaker they didn't automatically lower prices.

fix'd for you

also everyone keeps claiming this is soley on the publishers to do these changes but that isnt even true in this situation because the publishers arent price gouging in retailers in comparison to here, so whats the difference between going to ap hsyical store and buying on steam? the difference is steam

this shows clearly when you actually compare the prices of stores like bestbuy, gamestop, futureshop ect to steam prices, if this was soley up to the publisher then the prices would be exactly the same as those locations, not more than those locations and certainly not less

Steam only has PC games though, go into a pawnshop and games are literally 1/3 of the price of the new game
HLCinSC 2014 年 10 月 8 日 上午 9:15 
引用自 Sarok
fix'd for you

also everyone keeps claiming this is soley on the publishers to do these changes but that isnt even true in this situation because the publishers arent price gouging in retailers in comparison to here, so whats the difference between going to ap hsyical store and buying on steam? the difference is steam

I'm not saying that this initial conversion doesn't raise a lot of serious questions. Based on an article (that I think had the same source as the one that leaked the spreadsheet for the summer sale) that I read, the process was supposed to be all games will be converted to local currency equivalents based on the conversion rate at the time, and if any particular prices were desired they had to be submitted by X date. All these discrepancies lead me to doubt the veracity of the article now and raise a lot of serious questions that need to be addressed.


引用自 Sarok
this shows clearly when you actually compare the prices of stores like bestbuy, gamestop, futureshop ect to steam prices, if this was soley up to the publisher then the prices would be exactly the same as those locations, not more than those locations and certainly not less

I have seen no reports of Steam's pricing by publisher policies changing. Until something is leaked or announced I don't think we can automatically assume the publisher pricing policy has changed. Also, Steam runs on a different business model than most stores especially brick in mortar stores. They usually buy games or keys in bulk from the publisher and are free to set the prices they want.
最后由 HLCinSC 编辑于; 2014 年 10 月 8 日 上午 9:16
Imperialus 2014 年 10 月 8 日 上午 9:17 
引用自 HLCinSC
引用自 narc
It seems many of you dont know how to do math at all. Some games that were $50 and are now $60 are higher priced than the actual conversion rate. 50 x ~.1 = 5 + 50 = $55 is what you expect to see but we're seeing games at $59.99 because they're FoCking you because they can. As a good consumer and deal hunters you should be avoiding using steam for purchases at all costs if you're actually trying to save your cash for more games, other websites, especially international ones haven't caught on to this nonsense.
They were referring to NBA 2K 15 which was $60 USD. $60USD = $67.19 CAD (@ google's $1USD=$1.12CAD). CAD price is $69.95. So $69.95CAD(actual price)- $67.19CAD(US converted price)=$2.81 CAD. $2.81CAD/$67.19CAD=.0418= a 4.18% price increase

The thing is, you can't rely on googles conversion rate. That is what is called the "bank rate" that only ever gets used when governments and financial institutions are trading millions if not billions of dollars. The story is a bit different for us peasants. If I log onto my bank account and transfer 60.00 USD into my USD I pay, as of this second I get a rate of 1.1342. This means that the 60 bucks costs 68.05. Because of the way my accounts are set up I get a discounted rate. of 1.5 points off the market rate. Visa's exchange rate is 2 to 3 points off the market rate depending. That means Visa would be charging you between 1.14 and 1.15.

Suddenly the rate you are paying doesn't seem so bad.
HLCinSC 2014 年 10 月 8 日 上午 9:20 
引用自 imperialus
引用自 HLCinSC
They were referring to NBA 2K 15 which was $60 USD. $60USD = $67.19 CAD (@ google's $1USD=$1.12CAD). CAD price is $69.95. So $69.95CAD(actual price)- $67.19CAD(US converted price)=$2.81 CAD. $2.81CAD/$67.19CAD=.0418= a 4.18% price increase

The thing is, you can't rely on googles conversion rate. That is what is called the "bank rate" that only ever gets used when governments and financial institutions are trading millions if not billions of dollars. The story is a bit different for us peasants. If I log onto my bank account and transfer 60.00 USD into my USD I pay, as of this second I get a rate of 1.1342. This means that the 60 bucks costs 68.05. Because of the way my accounts are set up I get a discounted rate. of 1.5 points off the market rate. Visa's exchange rate is 2 to 3 points off the market rate depending. That means Visa would be charging you between 1.14 and 1.15.

Suddenly the rate you are paying doesn't seem so bad.
Well wouldn't the conversion rate Steam uses be different than an average citizen as they are collecting large sums of Canadian dollars then converting them to U.S. dollars or whatever currency the publisher chooses to pay them?
最后由 HLCinSC 编辑于; 2014 年 10 月 8 日 上午 9:21
Dedish 2014 年 10 月 8 日 上午 9:50 
The thing is there is not much point in buying games on steam anymore since the switch to Canadian dollars. It now cost me the same amount to buy a digital copy as a physical copy and you get more with physical. The Credit Card fees were almost unoticable compared to the price difference.
Imperialus 2014 年 10 月 8 日 上午 9:50 
引用自 HLCinSC
引用自 imperialus

The thing is, you can't rely on googles conversion rate. That is what is called the "bank rate" that only ever gets used when governments and financial institutions are trading millions if not billions of dollars. The story is a bit different for us peasants. If I log onto my bank account and transfer 60.00 USD into my USD I pay, as of this second I get a rate of 1.1342. This means that the 60 bucks costs 68.05. Because of the way my accounts are set up I get a discounted rate. of 1.5 points off the market rate. Visa's exchange rate is 2 to 3 points off the market rate depending. That means Visa would be charging you between 1.14 and 1.15.

Suddenly the rate you are paying doesn't seem so bad.
Well wouldn't the conversion rate Steam uses be different than an average citizen as they are collecting large sums of Canadian dollars then converting them to U.S. dollars or whatever currency the publisher chooses to pay them?

If anything it'll cost Valve money. If they are receiving money in CAD they are going to buy USD with it and pay an exchange rate premium on top of that albeit a smaller one than we do. It is almost impossible to win on foreign exchange. Previously the money just showed up on their end in USD.

To put things in perspective for you, most big international banks make more money from foreign exchange than they make in account fees and mortgages combined.
Satoru 2014 年 10 月 8 日 上午 9:54 
引用自 HLCinSC
Well wouldn't the conversion rate Steam uses be different than an average citizen as they are collecting large sums of Canadian dollars then converting them to U.S. dollars or whatever currency the publisher chooses to pay them?

So the prices being quoted are for AAA titles sold at retail. Thus as Australia has shown us, trying to equate the retail pricing with a pure currency conversion is pretty much moot anyway. They almost never actually correlate.

The relevant question is, if you bought that game today instead of 2 days ago, what is your price differential. So this is more from the user perspective, rather than attempting to figure out what the merchant exchange rate valve is getting.

You noted that on a pure exchange rate basis, there's a 4.18% discreptancy. However if a user was buying a game on Steam 2 days ago, they'd be paying in USD. That transaction, will be subject to foreign transaction fees which is normal. The absolute lowest you could realistically get is 1% from Paypal funded from a bank. However if you use a credit card or such, it's 2.5-3%.

Thus the practical difference for a user buying that game in USD vs CAD is at worse a 3.18% difference if you used Paypal funded by a bank, and is more likely a 1.18-1.68% difference if they used almost any other payment method. Thus even in the worst case scenario, the price difference between 2 days ago and today is 3.18%. ANd again that only applies to literally a handful of AAA titles.
spacejumper 2014 年 10 月 8 日 上午 9:54 
Games are priced 10-15% more and our dollar is down is 12%.
WHEN our dollar reaches par again [it's been floating at par for years] we will be getting ripped off as they fail to adjust for inflation. For now, it seems like an even trade.

Also would like to point out the fee is less than 1% when funding from a bank account or paypal balance.
最后由 spacejumper 编辑于; 2014 年 10 月 8 日 上午 9:55
Dedish 2014 年 10 月 8 日 上午 10:03 
I just looked games up on steam vs EB Games in Canada. They're the same price. dollar is so as far as I can tell it comes down to steam being greedy and wanting more money.

So likely I won't be buying games from steam any longer.
最后由 Dedish 编辑于; 2014 年 10 月 8 日 上午 10:20
DocShady 2014 年 10 月 8 日 上午 10:27 
I think I understand it now.

Basically since its converted to Canadian Currency from american currency, the only difference is we're seeing the full price up front. Before we were seeing the $49.99 price in steam and the extra added by the bank came later, and not seen unless we checked out bank statements.

We're not really spending more overall, we're just seeing the total price up front.

Am I right on this?
Doomy4Life 2014 年 10 月 8 日 上午 11:00 
引用自 DocShady
I think I understand it now.

Basically since its converted to Canadian Currency from american currency, the only difference is we're seeing the full price up front. Before we were seeing the $49.99 price in steam and the extra added by the bank came later, and not seen unless we checked out bank statements.

We're not really spending more overall, we're just seeing the total price up front.

Am I right on this?

For now yes, but the problem is when the :silverdollar:CAD goes up to par or further than USD. Is steam gonna ajust or are we gonna end up paying more?? Only time will tell TBH.
HLCinSC 2014 年 10 月 8 日 上午 11:03 
引用自 Kirby4Life
引用自 DocShady
I think I understand it now.

Basically since its converted to Canadian Currency from american currency, the only difference is we're seeing the full price up front. Before we were seeing the $49.99 price in steam and the extra added by the bank came later, and not seen unless we checked out bank statements.

We're not really spending more overall, we're just seeing the total price up front.

Am I right on this?

For now yes, but the problem is when the :silverdollar:CAD goes up to par or further than USD. Is steam gonna ajust or are we gonna end up paying more?? Only time will tell TBH.

Unless there is a huge change in value I doubt Steam will do anything on the same scale it has just done. The real questions arise in default pricing of future games as the currency flucuates either way and what publishers decide to do about it..
Machin Ator 2014 年 10 月 8 日 上午 11:07 
引用自 Satoru

Only Capital One in America doesn't charge it. In canada all cards charge a currency conversion fee of around 2-3%. The 'best' you coudl pull off in Canda was using paypal funded by your bank, to get it down to 1%


BBZZZZZZZT! Wrong (again) but thanks for playing!

There are cards that do, in fact, charge no fee and simply do the conversion. No extra fee.

Steam has basically told Canadians to go elsewhere.
最后由 Machin Ator 编辑于; 2014 年 10 月 8 日 上午 11:08
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发帖日期: 2014 年 10 月 7 日 下午 5:00
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