> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.surfroam.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# I get "Bad Request" or "Do not honour" message


### **Payment Not Completed: 3D Secure & SCA Requirements**

If your bank card payment **fails to complete**, it likely means that your card issuer **does not support 3D Secure (3DS) authentication** or **Strong Customer Authentication (SCA)**.

#### **Why Did My Payment Fail?**

Since **December 2020**, international payments must be verified with a **security code confirmation** (such as a one-time password or biometric authentication). If your bank **does not support 3D Secure or SCA**, your payment may be declined.

#### **How to Fix This Issue:**

1. **Enable 3D Secure / SCA on Your Card** – Contact your **bank** and request activation of **secure online payments**and **Strong Customer Authentication (SCA)**.
2. **Use an Alternative Payment Method** – If your card does not support 3D Secure, try paying via **PayPal, Bitcoin, Wise (formerly TransferWise), or bank transfer**.
3. **Adjust Browser Settings:**
    
* Enable **cookies, pop-ups, and redirect windows**.
    
* **Clear your browser cache and history**.
    
* Use a supported browser: **Google Chrome, Safari, or Firefox**.
4. **Ensure a Secure Internet Connection** – Avoid public Wi-Fi when making payments.

### **Why Is This Happening?**

Due to the **Revised Payment Services Directive (PSD2)**, all electronic payments within the **EU and many other regions**require **Strong Customer Authentication (SCA)**. If your bank has not implemented these security measures, your card payments may be **rejected** until compliance is enabled.

If you continue experiencing issues, please try another payment method or contact us for further assistance.