I had same issue, I got error 601 then after trying a third time with a different card I got error 401.

I ended up doing the UltimatePay way and it worked...kinda dum to have to do this, but still worked out.

>Mogstation >https://secure.square-enix.com/accou...svc/mogstation
>Add Crysta under (Square Enix Settings tab)
>Click on amount of Crysta you want to add to account (I did Specify amount of 1500 for $15)
>choose UltimatePay
>PayPal
>sign into paypal
>process payment
>back to Mogstation
>proceed to payment
>add Crysta as payment to account
>next complete

Hope it helps.