Non-Japanese banks can't verify billing information as fast as a Japanese POL account demands, so it rejects non-Japanese cards as of late-2008. Web Money is the only solution. SE has refused to allow a region change of accounts, and unless you speak Japanese, you can't contact the Japanese support center that can actually manipulate your account. The American center can't modify Japanese account data.

I've been in the same boat.

Is this vviper on Fenrir?