Amazon not processing debit cards correctly - Charge Method Invalid Credit Card Issue

Our UK debit card recently expired end of January 2022, was issued a new debit card by the bank.
On updating this new card as the charge card on file, it got rejected from every Amazon marketplace except for home (UK) marketplace.

Not knowing if the fault rested with my issuing bank or Amazon, I contacted both a week ago in an attempt to resolve the issue as we can no longer access any marketplace outside of the UK without a valid charge card on file.

Despite a dozen emails to and fro with Amazon customer support, they are insisting the information I have provided must be incorrect. I have personally checked the information dozens of times by now, trying all kinds of various methods, it is always invalid.

Finally I spoke with a senior manager at Virgin Money this morning. They were able to contact various departments at a senior level and discovered that Amazon is not following the new legislation issued by the FCA in order to combat fraud.

I’ve informed Amazon of this, but they are completely ignoring what I am saying and just copy/pasting the same information from a few steps previous (ie. my fault, go update with correct information).

Other merchants need to be aware of this developing situation and this topic is here to tell you that it isn’t your fault, it’s Amazons. Here is what the bank have said:

In October 2022, the Bank is required to switch on a process for DEBIT CARDS that will lead to more declined online card transactions. There are currently ways that merchants can process a transaction that mean it is not stepped up using either a one-time passcode or the mobile app, but they need a valid reason to do that. Some merchants are bypassing this step-up process without a valid reason. The FCA has said that we must begin to ‘soft-decline’ these transactions, which means sending a message back to the merchant asking them to process the transaction correctly. Some merchants will respond by processing the transaction correctly. However, some merchants are not yet able to respond to a soft-decline correctly, which means the customer’s transaction will be declined.​

In the UK new legislation is being introduced to reduce fraud. Until this is fully implemented by all retailers some customers may experience challenges when shopping online which may result in declined transactions. Your transaction has been declined because the retailer hasn’t yet implemented the new legislation fully.

Obviously I have gone back through Amazon on the same case number to identify this crucial issue as to why my card is showing as declined. Sadly, it’s a case of head in the sand and it’s my fault that I’m not putting in my information in correctly (big sigh).

Please be aware that this can happen to you when you card expires and you are forced to update your charge method information on Amazon, I’m probably one of the first to experience this.

In order to bypass the problem (because I was unable to access any marketplace outside the UK without a valid charge method on file), I have had to submit another card (my personal one), but obviously this isn’t the solution.

If anyone else has experienced this or managed to get through to an Amazon rep who gave them a decent response, please reply below. Thank you.