The only downside of EU Direct Pay being it takes usually two days to get the username/password, as it takes time for your payment to transfer from your bank to the receiving bank in Germany. Only after that will the payment processor issue your username+password.
Other than that, it's a great payment method for people with no credit card or for someone not willing to use credit card online.
I hope you joined Lia's site and are already looking forward to get access. There are so many great photo sets and videos on Lia19.com that joining the site is well worth the money.