What to do if US issued card blocks international/overseas transaction
The procedure below is for people who the first time tried to make an international online transaction with OTP, or US equivalent - 3D security and it did not go thru.
The standard procedure is the following (applies to any bank in the US) when an international transaction is denied. The procedure below is with US Bank, but I had to repeat with Chase as well.
1. Call the main number your card issuer
2. After verification tell them to transfer your call to VISA Verify/Fraud department
2a. The rep will tell you that they don't even see the transaction. Tell them it is normal because the transaction does not even hit bank's systems because it will be blocked by the VISA systems
2b. After that they will transfer you to VISA Fraud/security department.
3. Now prepare for very serious questions from them based on credit history. I was asked:
3a. Full details of my card - address, number, expiration date, CCV,
3b. Last three transactions of the card, including the failed one
3c. My SSN
3d. State where the SSN was issued
3e. What is the county name where the card's billing number is
3f. In which state is my voter registration
3g. The address from my credit history which I had 18 years ago.
4. Once you answer ALL the questions correctly, then they will ask you what you want.
5. You tell them that you are making an overseas transaction with this specific merchant and whitelist the merchant for this transaction
6. They will ask you to try once again. The transition will fail but they need to see in their internal systems the transaction and clear fraud codes - I got a fraud notification on SMS and needed to answer it otherwise the card is blocked automatically.
7. Once they tell you that they are ready, they will ask you to repeat the transaction and in this case, it will go thu.
Every single time I wanted to book a local flight with TK, VN, AirAsia, Lion Air, and now with Indigo for a domestic India flight - as well as to make local online transactions - I have to go with this procedure.
There is no other way. But it works.
Good luck.