Hey @Wof1o I removed your attachments as they contain personal information.
Can I ask, is your friend resident in Russia by any chance? If so, this link may have important info for them:https://help.ea.com/en/help/faq/ea-games-unavailable-in-some-countries-or-regions/
If your friend does not live in a country in those regions then there were recent changes made to how card purchases are processed and it may be a case that this is related to it.
I know that almost any purchase I make I now have to verify it with my bank thro...