Unable to make online purchases

Both my card as well as a family member's Kulula branded FNB credit cards are no longer able to do online purchases. never get prompted for 3dsecure, only get an error message after being redirected to cardinalcommerce.com. I called the FNB call center that claims it is not the bank, it is the merchant. however this is happening with all online merchants through two payment providers (PayU and VCS). I logged a ticket and after much more than the promised 48 hours someone mailed me to say my card has expired and that I will be sent a new card.. The card expires in 2024, and I am not the only person with this problem. Zero urgency to solve problems and I have wasted enough airtime on your call center.