I get this too when I now tried to update my sub and move from Coeurl to Lamia. I tried my own card, my mothers card, and my friends card. 401 every time. SE I really love this game, why do you make it so difficult to pay for your services? I use Steam, play Warframe and other games with microtransactions and there everything works flawlessly.

Change your payment provider, or add Paypal support to EU accounts or something to solve this, please -.-