Dear @pavedom
1. You should change the password on the ARCA page for the first time and use the changed password (not relevant for Ameria and Ineco banks)
2. In test mode, AMD should be set as the currency.
3. In test mode, you should set AMD in GiveWP configs
4. In test mode, you need to set the price of 10 AMD, if your bank is Ameria
5. If your bank is Ameria they also give user id besides user/password.
6. This can also be from the bank (for example, the bank did not activate the 3DS)
7. There may also be a problem with the language, ex. the bank has set EN as the language, but you have set HY
if this information does not help you, please open a ticket on our website https://store.planetstudio.am/support/`
