Ok so after many attempts, and many Error code 401s, I selected UltimatePay to buy Crysta, and there was a PayPal option. If you don't have a PayPal, you can still use this option! It worked just fine, had my crysta, and was able to use it to renew my subscription.

This is only a lucky find/fix. It SHOULD NOT be this hard for them to take our money...maybe they don't want it that bad? lol Three of my friends used their cards with no problem, we all live in Hawaii (U.S.A.) I am the only one who had to do it the "round-about" way. I hope this helps some people get back on, I was frustrated and close to just quitting. Good Luck everyone!