Recently banks have introduced more security checks when spending online. When you join your game through the subscription / card payment process, its likely you will be asked during the process to approve your transaction, or prove its actually you spending. The latest version asks to AUTHENTICATE your card. You’ll need your phone and your banking App to do this. You may have done this through other retailers online too.
You do this by opening your banking App associated with the card you are joining with, and clicking approve in the notifications or pop up in your app. You can then return to complete the process. Quite often your bank mobile app may send you a push notification, which you can also click to speed things up.