I am really sick of this issue.
I move recently from France to the USA and I used to have an automatic payment in place.
Then it was going to be renewed like yesterday and this has been blocked error 401 because I tried to buy an item with my card in the cash shop.
I contacted SE USA by chat and then they told me that it's EU account so they can't do anything.
I have contacted SE EU and now they told me yesterday it was fixed... Tried again today and now I'm getting error 601 instead of 401... (great...).

Now they're asking me to send a photo of my card + ID card...

Basically, they said that I need to pay in the country where my credit card has been issued... So how do I do when I'm moving to another country...
On top of that, the SE NA chat operator told me that they can't move my account from EU to NA...

This lesson taught me one thing: I won't buy anything anymore from the cash shop when it's back...

This is the worst banking checking system ever. I never had this in other MMOs....

Square Enix, PLEASE CHANGE YOUR METHOD TO VERIFY THE PAYMENT METHOD !!!