3-D Secure is something that the bank do additionally to check that the transaction is valid and secure (i.e. not fraudulent). It may be that your bank has set an upper limit value that you can do online so you should check with your bank first. Let them know that the same site was able to validate a smaller payment, but not a larger one specifically.
All banks (certainly in the UK) are rolling out more stringent checks to online payments to reduce fraud, some involve texting you a code to input at the time of transaction and other methods too.
Nope, my card is fine (I know what 3-D Secure is) - I can buy items online worth much more than a 6month sub…
You need to look into this, along with the stupid bg-honor “fix”.