I'd just like to ask, has anyone heard of 3D secure? Apparently back in the Play Online days they switched up their payment method for credit cards and bank cards. They would only accept "3D secured" cards (I didn't have one and as a result I stopped playing FFXI for a couple months) and anything else like standard bank cards, prepaid cards would not be accepted and would return errors 100% of the time.

Somehow I think they're still using this system or something similar and that's why people are having having this problem while others are completely fine. I highly doubt it's your bank (although this could be the case for some people), more likely it's SE's middle man or security process. =\