If you're having problem's with TER It's usually you're finical institution. You'll have to authorize it with the bank or cc company.

Don’t try to use standard reloadable VISA/MC cards - Those bar use for international transactions, and buying TER is just that.  There are reloadable cards that work internationally but you need to register your identity with the issuer.

You can use gift cards . Home Depot, Walmart, etc...