After you have added your credit card information in our bank's payment window you receive the message EXPIRED. This is a problem that we hear of regularly. The reason is as follows:
Our bank uses the Verified ByVisa and Verified By Mastercard technique during the credit/debit card transaction. It adds an extra layer of security also refered to as 3D-secure. What it means is that after you have added your card details the bank asks Visa/Mastercard to do that 3D-secure check. The credit card company then sends a text message to the mobile phone of the owner of the card with a code that needs to be added to a presented window. Only after that code is successfully entered will our bank send the final payment request to your bank.
When no mobile phone number is linked to your credit card, that message cannot be send and the payment is immediately declined with the message EXPIRED. If the phone number that is linked is not yours anymore but still being in use by someone else then the message is send but you cannot receive it. After about 5 minutes the payment is declined with the EXPIRED message.
The only way that you can solve this is go to your bank and ask them to link your mobile phone number to the credit card. If that is done then you can try your payment again.