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Ah, the plot thickens!
I went back to the Kobo site, in my Opera browser, and tried to buy another book. This time when I got to the checkout page it told me that it already had my CC details and didn't ask me to type them all in again (it also gave me a link to change the details if necessary). I clicked on the Buy button and the sale went through without a problem.
So I guess that the first time you make a successful transaction (which I did for the first time today using my Chrome browser) it saves your CC details so you don't have to enter them each time. Maybe there was some sort of problem with getting my CC details to Kobo via my Opera browser, and that's why the transactions were failing. But now that I've made one successful transaction Kobo have my CC details and so I don't have to supply them again, and I can use my Opera browser without any problems.
I did notice that in my failed attempts, when the Kobo checkout page refreshed and gave me the error, that the CC number and security code fields were blank but the name field still held my name (I can't remember if the expiry date was still there). I just thought they were clearing those fields so I could easily type them in again, even though the error message asked me to check the numbers, but maybe the CC details were being lost somewhere and never made it back to Kobo's web server, and hence the failed CC transaction.
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