Hello,
Thanks for getting in touch. Sorry to hear you've had problems with paying for your Spotify account.
Please check the following requirements that need to be met for a payment to be successfully made:
1. Your card must not have expired. If you have received a new card, please update your card details on your Subscription page: https://www.spotify.com/account/subscription/
2. The country set in your Spotify account profile must match the country where your card is registered. If you intend to use a payment method in another country, you can make this selection on your Subscription page (We can only accept payment from our launch countries).
3. Your card should be enabled for e-commerce transactions (Verified by Visa/Mastercard securecard card).
4. Your card must be open to be used for foreign purchases.
5. There are some banks that require other security authentifications, the most common one being 3DSecure.
Once you have checked all of the above, please try again to subscribe from the subscription page of your account.
If it still doesn't seem to be working, you should try discussing this with your bank.
Kind Regards and a friendly smile,
xxx Spotify Customer Service - Cambridge