I had the same problem, my bank would not authorize payments out of the USA. My chief at the time sugested I use the Subway cards. That was the answer for me, they work every time.

Hello I sent you a mail To indicate you an error of ordre on one of the two purchases made on 29/08/2017 on your site, I received the gold, but not the accumulators of durations in the First purchase, you did not answer me yet, thank you for taking into account my approach