I tried making an online payment of 5 GBP using the Niyo SBM card. It gave "The 3D secure response was: Declined" error. My amount got deducted and have not received its refund yet.
Can you please confirm if the card provides 3D Secure for online foreign currency transactions?
Currently, Niyo Global by SBM doesn’t support 3D secure payments. In case, if your amount has been debited from your account for a failed international transaction, a refund will be processed within 5-10 days.