Payment Issues at Checkout

Having trouble completing your payment? Here are the most common causes and how to fix them.

3D Secure (3DS) Verification

3D Secure is a security step your bank uses to confirm it's really you making the purchase. After entering your card details, you may be redirected to a verification page or receive an SMS/app notification from your bank.

 


Common 3DS issues:

  • The verification page won't load or times out — Disable any browser extensions (especially ad blockers), then try again in a private/incognito window.
  • You didn't receive an SMS code — Check your bank has your current mobile number on file. The code usually arrives within 60 seconds; if not, request a resend.
  • The code expired — 3DS codes are time-sensitive. Re-initiate the payment and complete verification promptly.
  • You're being declined after verifying — Your bank may be blocking the transaction regardless. Contact your bank directly to authorise online purchases.
  • Your bank doesn't offer 3DS - Unfortunately if this is the case, you may have to try an alternate payment method such as Paypal, or Afterpay, or use a different card.

Other Common Payment Failures

  • Card declined — Double-check the card number, expiry date, and CVV. Ensure your billing address matches what your bank has on file.
  • Insufficient funds or credit limit — Check your account balance or available credit, including any pending transactions that may have reduced it.
  • Prepaid or debit cards — Some prepaid cards aren't accepted for online purchases. Try a standard credit or debit card instead.
  • International cards — Some overseas-issued cards may be blocked by your bank for foreign transactions. Contact your bank to enable international purchases.

Still Having Issues?


If you've tried the above and your payment is still failing, please contact our support team: https://support.tyroola.com.au/en/support/solutions/articles/36000097556-how-can-i-contact-tyroola-
Please provide the following information:

  • The error message you received (if any)
  • The card type you used (Visa, Mastercard, etc.)
  • Whether the 3DS verification step appeared

We're happy to help you complete your order.

Please watch our 3explainer video attached below!