The same payment system is used for FFXIV. If your card isn't accepted and you get a 401 error, it locks your SE Account from accepting payment for 1-30 days (lock time depends on how many times you tried to pay and got the error). It's a systemic problem, not just limited to XI. XIV just has the option of game time cards to pay for a month, but with no discount for Legacy players, and no option to buy additional services. XI and XIV are being impacted by this payment system problem. It's not there to kill XI, it's an amazing oversight by the SquareEnix staff that could have easily been planned for and avoided, but they'd rather go several months without being able to accept money from some players.