What does the error above mean?

This means that 3D secure authentication was attempted on the card, but your card isn't enrolled.

3DS also known as 3DSecure or 3-D Secure Authentication is an extra level of security to ensure that every transaction done with your card is authorized by the cardholder. This is put in place to reduce fraudulent activities for Card Not Present (CNP) transactions.

What can you do about it?

You need to reach out to your bank to assist with having your card enrolled for 3DS.

In the interim, you can save via bank transfers. Please follow these steps to do this;

1. Click on the "Save" icon at the bottom of your homepage

2. Select the category of savings; either regular savings or circle

3. Click on the plan you want to top up

4. Under Add cash, select or type the amount you want to add

5. Click on Switch

6. Select the bank transfer option. A virtual one-time bank account number will be generated for you to transfer to

7. Copy it out and make a transfer to it from your bank mobile app or using your bank's USSD transfer code

8. After making the transfer, click on "I have paid" to confirm the payment.

NB: The one-time account number expires after 20 minutes of its generation and should not be saved as beneficiary or reused for further bank transfers.