We should figure out what the people getting this error have in common. From what I've skimmed, people that seem to have this problem are using mostly legacy accounts? I myself used a vanilla FF XIV key to activate Realm Reborn. So I didn't get the legacy status but a completely new service account. I just had my friend purchase game time, it worked perfectly on his account but the same credit card gave error 401 on my account. So both my card and my friend's card give 401 on my account.