Contrary to Square Enix's announcement in October, they have now announced that Final Fantasy XIV won't be a paid service until early next year.
Square Enix originally said that fans should've expected to start paying for services during November, but it seems as though players have gotten just a few months more of free to play services. As penance though, monthly payments will be lowered significantly until the release of 2.0. So where normally you would pay 980 yen (12 USD) for 30 days, players will only need to pay 680 yen (8 USD) per month.
Final Fantasy XIV will make the move to pay to play starting January 6th, 2012 so if you aren't ready to pay the fees, be sure to sort out your account by then.