how to update payment zoom? [ThreeDs2_Authentication_Exception] Transaction declined.2 - Refused

Please help, I want to pay for Zoom, but I'm having problems updating the payment, are there any problems with the Zoom system for payments? due to an error when updating data for payment. Please help... and the answer is from Zoom. please don't use AI in answering, because AI doesn't help at all.. thank you

[ThreeDs2_Authentication_Exception] Transaction declined.2 - Refused