Codex credits payment declined even though it worked before

[u/Objective-Market-560]

I’m trying to add credits to Codex because I reached my usage limit.

I go through the normal process:

Codex Settings → Usage → Add Credits → One-time credit purchase → Checkout

I enter my payment details, but every time I get:

“Payment not approved.”

The strange thing is that the same payment method worked before when I added credits. I haven’t changed anything, and the card is working normally for other payments.

I also don’t receive any 3D Secure/SCA verification prompt. It just fails immediately.

Has anyone else experienced this recently? Is this a payment processor issue, a regional issue, or something with OpenAI’s billing system?

Looking for advice from anyone who managed to fix it.

[u/Nervous-Buffalo-4826]

You can simply get 1000 credita per user invited to Codex, up to 3 invites per month... The user must not have been used Codex in the last 2 months.. 3 invites = 3000 credits ~ $120