When the card is updated, an Auth transaction for $0.01 is attempted. This does NOT charge the card, but reserves 1 cent. This reserve disappears after 7 days.
The card holder most likely does not have any funds left/over their limit and the transaction has failed.
Try in a few days time, or contact the card holder.
If the card still fails, ask the card holder to contact their bank to see why the funds are not being approved.
The error message is returned from the payment gateway (Windcave) and is not something generated by Payments2Us. You can try contacting their support, but extremely likely to be asked to contact the Card holder and ask them to check with their bank.