I just want to thank the customer service over at UltimatePay, they were AMAZING and got my crysta processed in about 10 minutes. To anyone else getting this problem the only solution is:
Since a MOD closed the Thread instead of providing wit ha solution this works for me. and i must say i was once of those "locked out" people and now magically im able to Play again YEY !!

1) Get a hold of an Ultimate Game Card (best found at Walmart or Gamestop) for, say, $20.

2) Log into Mog Station/SE Account Management and attempt to add crysta with it.*(99% chance of it giving you an error and rejecting the card - this is just to make a paper trail to be followed)*

3) Contact the VISA operator @ (650) 432-3200, ask for PlaySpan (read: Ultimate Pay)

4) Tell the following rep you attempted but failed at adding Crysta. They will ask you for the PIN of the card and for the email that your game is tied to. When they look it up, they will see your prior attempt - makes it fast and easy for them.

5) Confirm that you want your game card placed onto your FFXIV account.*(Within 10 minutes, you'll have an email letting you know you've had Crysta added.)*

6) Log into your Square Enix Account Management page, click on "Crysta Passbook", and you'll see the 2,000 crysta added.

7) Continue to Mog Station, and go through the payment process again, this time using the Crysta that is now on your account.As I said, this is a pain in the butt and roundabout way of doing it (Hopefully you're lucky and can get a digital card from Walmart.com or Gamestop.com), but it will (and has in my case) gotten me back online and playing.

This works for me!
Thanks.