If your bank is requesting you to verify your identity when you are paying, it means that your credit/debit card is “enrolled” with 3DS. Depending on your credit/debit card configuration and your bank, this verification can have different forms (SMS, password, touch ID, etc).
Even if you are the cardholder of the credit/debit card, there are several reasons that can lead to a 3D Secure check failing:
- You input the wrong 'One Time Passcode'
- You pressed the 'Cancel' button or the lock button on your phone
- You took too long to authenticate and the process timed out
- You did not receive any SMS from your bank/card provider
If the failure was due to accidentally pressing the lock button, feel free to try again and make sure to successfully succeed with the identity check before locking your phone.
If the failure was due to missing information (forgotten password or SMS never received), we would recommend you to contact your bank/card provider and make sure to have everything set up with your credit/debit card. You can also consult your online banking account to verify that your card is enrolled and that your personal details are updated on your bank account profile (phone number, etc.)