After a week of error 601/401, my payment finally went through!
Here is the summery of what I did.

Day 1
Moogle Station - 601 X6 Fails
Ultimate Pay Credit Card Fails X 4
Ultimate Pay Paypal Fail X3
Then my bank call me and asked me if I want the payment go through, I said yes, the bank said ok.
I try again
Moogle Station 601 Fail X2
ultimate Pay Fail X3
SE Email no response, SE Live Chat no response

Day 2
Moogle Station Fail 601 x 2
Ultimate pay Credit Card Fail X3
Ultimate pay Paypal Fail X1

Day 3
Didn't do anything

Day 4
Moogle Station Fail 401 X2
Moogle Station Fail 601 X 1
Ultimate Pay Paypal fail X1

Day 5
Ultimate Pay Paypal Fail X1

Day 6
Moogle Station 401 Fail X1
Ultimate pay credit card...Ding! It went through!

I didn't call anyone, it just suddenly decided to let me through,
My though is leave your account for 1 or 2 day then try to pay in ultimate pay with both Paypal and credit card, never try to do anything in moogle!