As the Payment Txn has several status steps, the error could have occurred at different points of the transaction.

First, check the Payment Response Text and Payment Response Code. If these are APPROVED and 00 and the Banked Field is YES, it means the transaction was successful, and the error has come from somewhere in the matching process. The Payment Txn has an Error Log related list. Chech the error log and this should give you information on what is causing the error.

If there are no error logs, try setting the Status to Matching Start, and it should update to Matching Complete. If it returns to Error there would be an Error Log record created.

If you want to be triply certain, check the txn has been successful in your payment gateway.

If the Payment Response Text and Code is not the above eg: it says DECLINED or DO NOT HONOUR and the Banked field says NO, the txn was not successful. You can find further information on the Code and Payment Response text via Google if you are unsure. This will give more information about if the card is incorrect, or the bank has put a hold on the card, and you can let the payee know.