I have exactly the same issue, and it has persisted for a good few months. I am failing to understand how there are multiple forum threads addressing the same issue, yet the standard response is to 'Please ensure the details are correct' or telling users to 'check the help articles'.
This issue has been raised, not only on the Spotify Community, but on other external sites, including Reddit, where users are complaining about the same card payment failures for certain South African banks. It is not that South Africans have a shared misunderstanding of how to enter their card details correctly. It is an issue with the payment process.
I have follow numerous steps, if not all, that I have found on the web:
I created a brand new account. This, too, was unable to process payments.
I waited a few days, over a month to be exact, and retried this process - the issue remains the same.
I have ensure that I am entering in the correct details. These details work on other online payment sites.
Changing the subscription plan to pay using a mobile account does not help, as only one of the five main service providers are listed as an option (Vodacom).
The only other payment option that are available to choose from, is a gift card. There is no option to pay using PayPal, as the help articles suggest.
Changing to incognito mode and attempting to use a different browser yield the same errors. The payments are not failing because of cache.
I apologise for sounding frustrated but, I feel the support provided needs to go further than just telling everyone to read a help article, or try again in a few days. Contact Adyen and see if they can provide more insight into the matter? Perhaps it turns out to be an issue on their side, which means they are losing you business. Even information about why payments will not be possible would be better accepted than the 'try this article approach'.
I look forward to your response, and hope that you can assist us in getting our much-wanted premium music experience on the go.
I never got it working. I decided to use a different card, a Virgin credit card. There was no winning with the FNB Debit card, both my girlfriend and I could not get it working, we phoned FNB on many occasions and they clearly stated the issue was with Spotify, NOT WITH FNB BANK. Spotify haven't a clue as to what the problem is, thats why they STILL HAVE NOT provided a solution to this.
Unfortunately, your response is useless and not helpful, its the same stuff repeated over and over by Spotify admin and mods. I had to use a completely different card because FNB Debit cards just wont work on your system, clearly I was not alone on this problem.