I won't go into all the points raised in your post HOWEVER as someone who works in retail I have to say that you were in the wrong expecting them to accept you paying with your husbands card irrespective of wether you had the pin or not.
If the card was in your husbands name (ie: stated MR.XXXXX) it cannot be accepted unless in the possession of the person named on the card and used as payment by them.
Also regarding sending you the link to pay-where I work we are unable to do those sort of remote payment links for 'click and collect' type transactions unless the client is a regular and known to us personally, So it seems a little odd that the SA who clearly didn't know you as regular client was happy to let you pay by remote link and collect later in store.
Again. I was simply not aware of an issue to start with. And happy to comply. I am glad I learned and understand the policy now. I am just devastated about how I was treatment.
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