I recently made a reservation for the first time on Ryanair (OPO-DUB), from the United States. On both the Ryanair app (iOS) and the Ryanair website, I repeatedly received credit card declines when I got to the last stage of the process (payment). When I contacted the banks (Chase and BofA), I was told that the declines were the result of an incorrect CVV being entered. This was definitely not correct, as I entered them carefully and accurately in each instance. At any rate, after about 5 fails, I successfully paid using Apple Pay on the Ryanair app.
Seemingly all good at long last, but then I received this email from the airline a day later:
Hello, this booking [code] appears to have been made through a third-party travel agent who has no commercial relationship with Ryanair to sell our flights. Therefore, Ryanair has blocked this booking. As third-party travel agents often do not provide Ryanair with the correct passenger email address and payment details, we need to verify a passenger's identity before they can manage their booking and check-in online.
I chatted online with a Ryanair agent, who told me that I would need to go through a verification process, even though I used Ryanair's own app! And I will be charged a small fee if I opt for "Express Verification." If I don't do the online verification, I will need to pay an airport check-in fee of up to €55.
I appreciate e how Ryanair has made it possible to travel inexpensively throughout Europe, but I am extremely unimpressed with the airline's reservation systems, based on my initial experience with it. YMMV.