That seems like a pretty big error... With a launch is pivotal as this, you would think they would do more testing to ensure you’d at least be able to make purchases at launch.
To add another data point, I had no problems making the first purchase with it (or any purchases since).
Worked for me great. The visualization of category purchases is simple and brilliant.
First thing I "purchased" after applying was two charitable donations, which I hear is two big red waving flags for fraud when done on the web. Transactions went through just fine.