Just as an fyi... I had this ridiculous issue myself. I tried my card, which is verified by my bank to have not been declined on their behalf, and I got error 401. I then tried my wife's card, who was also 401. I called my best friend who plays, and he tried his card which was then 401. We called our other friend who plays, he tried his Capitol One card, it worked...

I tried my card 5+ times in a 20 minute time frame, then my wife's card 3 times within 30 minutes of my first attempt, my best friend tried several times within an hour and our third friend got it to go through his first attempt before 2 full hours passed. I can't even begin to speculate what the actual problem is, but that's how I got around it. We tried VISA, American Express and Master Card... didn't make a difference. Capitol One was the only one to go through and I have no idea what that means, but passing the info on to you guys.

I also tried Square Enix online chat support, to which I had the most frustrating customer service experience of my life. I asked to speak with a supervisor or anyone that I could escalate my issue to and the response was, they aren't interested in hearing about it. I was told to wait until next month and try again, then kicked out of the live chat after explaining this to them. Like literally, the chat closed out while I was trying to get help. Unreal. I hope Agent Jordan gets paid minimum wage.