I'm starting to get this error 401 too, my past payment was my first and I didn't get this error but now I can't cause this error. I wait the 24 hours and the error 401 still appearing. The unfair thing is that I stiil lossing $1.00 everytime I tryinging to pay and get the errors so, obviouly isn't the bank fault. If Square Enix waste their time in unless Hallowin & Christmas decorations in the game, then why they didn't get time for something so useful like fixing this errors problems.