Hello,
The underlying problem here is that your banks is declining $0 card verification because of PSD2, even though card networks have informed us (Google) that the networks instructed banks not to deny these $0 verification. Ideally the banks should fix their implementations of PSD2 to align with network guidance.
On the Google side we don't have a quick workaround fix. You can try a different card (especially from a different bank) as a workaround on your side.