Let me start off by saying I'm from Canada

Ok so I bought PS3 FFXIV last year when ARR first came out(so september). I haven't renewed my sub since. So I recently decided to renew it, because I got a Vanilla mastercard as a gift recently. So after activating my card via the website to buy things online. I went to put sub up.

But now I'm suffering from the problem of not being able to sub because of issues like 401 (because I've tried too much I assume, I stopped since 10 am so I can try again tomarrow) and ONCE on my PS3 I got 601. But anyways. I wanted to know if

1. Is the reason that Vanilla Mastercards don't work for this (Mind you I'm from Canada, so maybe a money converting issue)
2. Back when this first started I had to start a new(Sony) account make it US to be able to Access FFXIV in Canada. Could this be the source of the problem? That the game sees it as account US addressed instead of Canadian? Thus won't accept a Canadian Master card?