I'm in the exact same boat. Did they announce that they were no longer going to accept debit cards? I haven't actually tried charging a CC since I don't want to put my sub on a CC.
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Guys. Maybe you can use your related experiences to push this to the next level because this type of payment issue has been going on for over a year with over a thousand posts...
http://forum.square-enix.com/ffxiv/threads/93493-Payment-Method-Registration-Errors-Error-Code-401-and-601?p=2518356&viewfull=1#post2518356
Looks like on the last page some people were able to figure out how to get it working. I personally haven't tried that yet.
Before 2.4 launched a friend let me use his debit and it worked fine, dunno about now though