what is the merchant?

probably it cannot identify the new card number

or you don't have enough balance in kiplepay wallet, txn rejected.

your case Telco issue maybe

airplane or restart phone. let Telco flush out the sms after reconnection.

if you explain more earlier, then we know what happened.

if you didn't get otp, likely blocked by limits or thresholds or insufficient wallet balance to make payment.

also 68886 shortcode is shared. received once by lalamove doesn't mean it will always work. sometimes Telco sms centre got backlog. somtimes the sms aggregator that manage 68886 has backlog too.

the moment you initiate payment, there are many parties or systems involved throughout the whole end-to-end transaction chain.