My experience so far over the past 3 days:

Attempts to set up subscription account, card is declined with error.
Maybe I made a mistake typing in the card, and attempts it a second time.
Think, hmm that's odd my card isn't working, makes call to bank, they say everything is fine on their end and no attempts at making a transaction has been made.
Hmmm, the problem isn't my bank, maybe I am doing it wrong when typing it in, let's try one more time, still no go.
OKok let's try paypal then, payment is processed but then transaction is cancelled... um ok...
This obviously isn't working, better contact SE customer support for help. Waits 5 hours for Live Chat to open. Sits in queue for 2 more hours, gets to position 5 then given the no available agents message.
Ugh really... fine I will email them then. Writes email explaining situation.
*gives up for the night and goes to bed*
Checks forums to see if anyone else getting this problem, joins in on 40 page thread.
Attempts multiple times to buy crystra using CC via someone's suggestion in the thread. Still a no go.
Buys prepaid game card to use on account to buy crysta. Pre-paid card is declined.

*a day later get a response from SE support as follows*

Dear Customer,

Regarding your request for billing support. Please find your answer below.
We do not have information on why your transaction may not have been approved. If you are getting any sort of decline message, please wait 30 minutes, verify all of your billing information, and try again. If you would like further information about this specific transaction decline, please contact your bank or financial institution.
601, 401, and 105 means the financial institution may be declining the transaction attempt due to security reasons. While we are unable to see exactly why the transaction was declined, we can provide you with some guidance:
If the credit / debit card in question is 3D Secure, please make sure that you are inputting the correct 3D Secure PIN / password associated with it. Also, please be sure that 3D Secure is actually activated on the account.
Make sure that the card you're trying to use isn't already being used to pay for another account. Problems may arise if the an attempt is made to use the same card to bill two separate accounts simultaneously. If this is indeed your situation, please wait 24 hours between reactivation attempts.
Make sure that your card provider allows $1.00 preauthorization holds. This billing attempt is made in order to make sure that the account is valid for billing. After 1 to 2 business days, these funds will be placed back on the account. If your card issuer does not allow such preauthorization holds, you may want to contact them.
Please be aware that if the current credit / debit card you're using has resulted in either of the codes listed above, that card will be blocked from any further billing attempts for 24 hours. At this time, please try using another payment source as continued attempts using the blocked card will reset that 24 hour timer.
If you attempted this method of payment multiple times with a failed result, there is a possibility of a longer block being placed on the account. This block can last 30 days. If you have done this, you will need to use a different billing method.
Thank you for contacting the SQUARE ENIX Support Center.

Ok so it's not my bank so I wait another 24 hours since the last time attempting to use my card. Still error 601. One last option is to contact UltimatePay customer service to manually add the crysta to my account. If that doesn't work I guess SE is all out of F's to give. I've never had such a bad experience trying to pay for a game before.