Its a common error, still exists for me. I have used the same CC back in 1.0 and Legacy and the one time I removed it now I can't add that same card as a option, even tried different cards. Its a common problem and there is a official thread up, that has been having reports for over a year. Nothing has yet to be done about it, and since UltimatePay retired, and it took the PayPal option away to buy Crysta it got worse. The official thread for 401 and 601 errors: http://forum.square-enix.com/ffxiv/t...de-401-and-601