This one has left me without a comment to make.
I was trying to pay a bill to Rochdale Metropolitan Borough Council. I tried four times and each time ended up with this message.
Yep - apparently the card details are correct but there is a problem with the card details? Try another card? This is my only debit card - they charge extra for using a credit card.
I'll wait until they send me a rude letter about the bill not being paid.
Update: when I tried the same card a week later, and inputted the same data - it worked. This suggests the problem was with the online system, not me or my card.