Hello Bumbll-b, Thank you for posting on the Final Fantasy XIV Technical Support Forums.

I apologize that you are having a hard time making purchases. Error 401 is one of the standard payment errors. This error can be caused by poor connection or insufficient funds. It is also very likely that the error is being caused by the use of the card on multiple accounts. Unfortunately, this is not something we can handle here on the technical support forums. You will need to contact the support center directly to rectify this issue.

To reach our live chat support please follow the steps below.

1. Visit the SQUARE ENIX Support Center at http://support.na.square-enix.com/
2. Select FINAL FANTASY XIV as the game title.
3. on the next screen click on "Contact".
4. You will then need to select a category and sub category from the drop down menus.
5. Next, type a basic description of your inquiry in the "Contact details" section and click "Next".
6. on the following page click "Next" again. Ignoring any Knowledge Base Suggestions that may apply.
7. Provided your contact is during SQUARE ENIX Support Center's hours of operation, you should see a Chat Support option. Click "proceed to chat support" to initiate contact with one of our Chat Support Representatives.

Thank you for playing Final Fantasy XIV! Hope to see you online.