Without enforcing 3d secure everything works ok.
Interesting is for me that I was testing with my real debit card which support 3d secure, but during the order I have no 3d secure option. In my case I am received a SMS with code to put on the website.
Maybe add some info or hide this option (enforce 3d secure)?
hooks not works for me with new versions. but I will look on code and maybe I will post solution.