I am in europe and use direct debit, no waiting and immediately available.
The thing with the Zen transfer is nevertheless bad practice and a step backward in contrast, as before.
A direct way to get C-Points will be a good choice for players never want to play another PWE game. Myself will never play MMOs. But I'm a Star Trek enthusiast, and this is the only reason why I'm playing and giving my money to ST:O!