Even though this relates to Swiss SBB site, I thought the insight gained may be helpful to others nit reading the Switzerland posts.
Attempted to purchase 2 Swiss travel passes directly from SBB site (836CH) using a Capital One card. Tried three times, all said payment failed. My husband called Capital One and they said there was no attempt showing with CO. They did ask if we saw Verified by Visa during the transaction (we did not). The person on the phone told my husband that Capital One does not subscribe to Verified by Visa service, costs too much. With CO on the phone, attempted the purchase two more times. Capital One tried to be helpful and even got someone on the phone with SBB, who suggested we purchase once in Switzerland. While on phone with CO, I tried our Chase Explorer Visa card (also payment failed).
So next I called Chase Visa and talked to them and tried again while on phone. They also said they did not see a purchase attempt. But with Chase visa, there was a Verified by Visa pop up screen before ending up back at the order with payment blocked. So Chase called Visa and talked to someone in the fraud department. They wanted to confirm I was making the purchase. Then they made a note in the account so the next attempt would be authorized. They waited on the phone while I attempted again, and purchase went through.
And we’ve previously purchased SBB tickets (using the Chase card) from their app with no issues. I think in this case the $800+ dollars triggered potential fraud.
But interesting Capital One doesn’t subscribe to Verified by Visa.