Is there a reason why you don't have a Paypal account? I know some people don't like them, but it might be the easiest solution to your problem.
Qobuz Issue
I've purchased a "Sublime" account, which Qobuz accepted my Credit Card for. I go to download discounted music and Qobuz won't accept that same card. Turns out, they won't accept any card for downloading. I attempted to buy music with my debit card, no good. I've contacted my card company twice and they assure me theres no block on my Credit card. Sebastien and I are swapping emails and that's slow. Sebastien tells me they have opened investigation that can take up to 10 days. Anyone have suggestions or a remedy?