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This shop is located in United Kingdom. Prices are shown in GBP. You can communicate with this shop in English.
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Without having more details on what happened, I'll try to answer with the best of my abilities.
If you have a non-UK issued card, then the payment is blocked automatically. We've received a bunch of concerned contacts from tourists who have had their card stolen and used in our store. Due to the amount, we had to put up the restriction to protect our customers, and those who have been unfortunate.
It is also possible that if you have a foreign payment block setup on your own card, that the payment will be rejected. As the payment is directed to an international account, it is considered to be an outside UK transaction.
We've haven't heard of the virus problem you mention before, but we would greatly appreciate if you could provide us with the details concerning the problem. You can always send us an email to info( a)coolshop.co.uk. The support program we use is outsourced, so we would have to contact the providers of the program regarding the issue.