I've been trying to add crysta to my account to buy a Phial of Fantasia, but I keep getting blocked by those errors. I've called my credit card holder and they told me that the payment isn't even getting to them. So it is something on SE's side.

I have tried:

Different browsers
through my phone
through buying crysta rather than buying the phial straight up
buying through a VPN
a different card

It all comes back to 401/601

Anyone got a fix for this?