From a simple Google search people have been posting on these forums and reddit about this since at least 2013.

I was able to purchase a potion on the 9th, then I purchased another one on the 10th. I paid my sub almost 60 days ago and shortly after purchased a mount. Today, I went to purchase another potion and I start getting this error. No idea why it all of a sudden started now. Same computer, same browser, same internet, same card, etc... that I've always used.

I played FFXI from launch to the end. I moved here at the end of HW and really wanted to make my home here. However, I'm not doing this again. It was a constant pain in the butt to get SE to take my money through that Verified by Visa crap. Just not going through this again. Not a single other MMO I play do I have to jump through 10 hoops to get them to take my money.

I canceled my sub tonight... not out of spite or because I'm mad, simply because the only possible way I can resub is if you fix this system. It literally will not let me resub unless you do. I tried to update my CC info on my acct page and it won't even let me do that.

Yes, there may be a work-around that involves me driving all over the place to get a card, or sending copies of my license and card to SE or w/e. But really... if we continue to jump through hoops so they don't have to, what incentive do they have to do anything about it. It's a principle thing. Fix it and I'll sub and drop plenty of money in the Mogstation. Don't, and Blizz is going to get it again.

... this is nuts....