@Rae
I had the same issue with RedPocket. Spent a few weeks talking to RP support and to my CC company (Discover). The CC company was not seeing any attempts to charge me at all. Its an issue with the 3D Secure system. In the end the final solution was to get a mastercard which worked right away.
I’m still using an old Note 4 with ASOP held together with tape. I’ve been swapping to a Pinephone to test the CDMA support which sometimes works. I expect it will be a while till I get my Librem 5 so I ordered a used Pixel that I will degoogle myself. This will have to suffice until the L5 is delivered and functional enough.