Payment and Signup Issues

3D Secure Verification

In most cases, payment failures happen due to 3D Secure (3DS)—a security feature required by many banks to authorize online transactions. 3D Secure is managed by your card-issuing bank, not Talkio or our payment system directly.

Depending on your bank and country, you may be asked to:

• Enter a one-time code sent by SMS
• Approve the transaction in your bank’s mobile app
• Use Face ID, fingerprint, or your online banking login
• Complete verification through a national identity system (e.g., MitID in Denmark)

If this verification step is not completed—because it fails, is blocked, or you miss the prompt—the transaction will not go through.

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What You Can Do

If your payment isn’t working:

• Try the payment again and look out for any approval request from your bank
• Use a different card or payment method
• Make sure pop-up blockers aren’t interfering with the 3D Secure window
• Check your bank’s app or SMS inbox for a verification prompt
• Contact your bank and ask if 3D Secure is enabled and working properly for your card

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Who Handles Our Payments?

All payments on Talkio AI are securely processed through Stripe, one of the most trusted payment gateways in the world. Stripe handles all card and transaction data securely and in compliance with global standards like PCI-DSS. Your card details never pass through or are stored on Talkio servers.

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Still Need Help?

If you’re still having trouble, please contact our support team. We can look into the issue or, in some cases, offer temporary access or a manual payment option while it’s being resolved.