DISCOVERY BANK SHIFTS THE PROBLEM - REMINDS ME OF AN OSTRICH
I SPECIFICALLY SAID WHAT HAPPENED - but it now seems that it is 'DEFINITELY' not Discovery Bank's system at fault HA HA!  Their answer

Dear Pierre
Thank you for contacting Discovery Bank.
We are not seeing the attempt of the Web Africa Network transaction.
Once a transaction is stepped up on the merchant website it automatically triggers the 3D secure there is no manual intervention.
May you  to please attempt the transaction and save all the screenshots then we can query this with the Acquirer if the problem is not with merchant.

Should you have any further queries, kindly contact us on **********. 

Regards
Neo Molaoa
Discovery Bank Client Support
Discovery 1 Discovery Place, Sandton | PO Box 786722, Sandton, 2146
Telephone: **********Website: www.discovery.co.za Find out more about other Discovery products
Discovery Bank Ltd. Registration no 2015/408745/06. An authorised financial services and registered credit provider. FSP no 48657. NCR registration no NCRCP9997. Ts & Cs apply. See full disclaimer here.