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Why is my card payment not being completed?

To ensure payment security, our payment gateway has activated the most secure filters to prevent fraud. Below you will find the most frequent errors and how to solve them.


First of all, note that only cards with the 3DS/ PSD2/ SCA double authentication security system will be able to complete the payment on our website. This means that, following European regulations, to ensure that only the owner of the card makes the payment, the issuing bank will request a double authentication (from your bank's app, sms to your mobile, etc.) in order to complete the online payment.


If you don't normally have to do this double authentication when purchasing online, then your card won't probably process the payment in our website. To do this, try making the payment using Apple Pay or PayPal.


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Payments with Spanish cards


Spanish cards have the 3DS/ PSD2/SCA activated so if your payment fails using a Spanish card, the error is due to other reasons.


  • You have made several attempts/purchases on our website and now you are getting an error.

In addition to the 3DS filter, we have other security filters in place to prevent mass purchases. Therefore, please wait at least 24 hours for the security settings to reset and you will be able to shop on our website again.


  • The payment screen does not load

If it takes a long time for the payment or payment confirmation screen to load, it may be due to a low Internet connection. Check with your bank to make sure that you have not been charged by us (Clubtickets or Only Tickets SL) and try again when you have an optimal Internet signal.


Payments with international


The most common mistake with international cards is that they do not pass the 3DS/ PSD2/ SCA filter on our website, as outside Spain it is not compulsory to have it active. In Spain and in more and more countries this system is implemented automatically to guarantee the security of merchants and customers.


You can activate this functionality by talking to your bank or use the alternative of Apple Pay (usually works in most cases) and PayPal (works in 99% of payments).


Usual error codes and solution


  • 0101 Expired card
  • 0102 Card under temporary exception or suspected fraud. Contact your bank to find out why and try another purchase after 24 hours.
  • 0104 Merchant with "secure cardholder" and cardholder without secure purchase key. Double authentication could not be completed (sms, bank app, etc.), try another card or PayPal.
  • 0106 PIN attempts exceeded. The card has been blocked, contact your bank to unblock it.
  • 0125 Card not effective. Try another card.
  • 0129 Incorrect security code (CVV2/CVC2).
  • 0180 Card not related to the service. Card type is invalid (e.g. some prepaid cards, virtual cards, JCB or AMEX).
  • 0184 Cardholder authentication error. The double authentication could not be completed (sms, bank app, etc.), try another card or PayPal.
  • 0190 Refusal of issuer without specifying reason. Wait 24 hours and try again.
  • 0191 Wrong expiry date
  • 0195 SCA authentication required. Could not complete the double authentication (sms, bank app, etc.), try another card or PayPal.
  • 9104 Merchant with "secure cardholder" and cardholder without secure purchase key. Failed to complete two-factor authentication (sms, bank app, etc.), try another card or PayPal.
  • 9454 We do not allow payments with this type of card. We do not accept AMEX, try another card.
  • 9997 With the same card there are several payments in "flight" at the time that one is completed the rest are denied with this code. This restriction is made for security reasons. Check that the other payment has been completed in your bank.


Need more help?

If you can't find the solution to your error, please contact us at help@clubtickets.com.


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