That $0 payment error is usually not about the card being empty — it’s the authorization check failing. A few things that fixed it for me and others here: first, the card has to support international online transactions; a lot of domestic-only debit cards get declined at the $0 authorization step even though nothing is charged. Second, the billing country on the card needs to match the account region you registered with — a mismatch is the most common reason for the generic error. Third, try turning off any VPN before the payment step, since a sudden IP/country change can trip the fraud check. If your bank’s card still fails, a virtual card from a fintech app in the matching region usually goes through. Also wait a few hours and retry once instead of hammering it — multiple failed attempts can lock the card temporarily.
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