One quick thing- check your bank / credit card policy or settings. Some new cards won't complete transactions to unknown, uncommon, or obscure charges. You might have to manually allow a payment to Spotify, or check with your bank about the issue.
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I have been getting an error too and I can't link my card to spotify. My card is not expired and it has a security code. The bank is not blocking anything and have no logs. I have been retrying for days and I tried linking paypal but I get the same error. My paypal is verified and is the same country as in my Spotify profile. Please help. For reference, here's the error:
"Oops, seems your card or payment provider is having a bad day. Don't worry, no money has been charged. Try again or use another payment method."