Just want to share with those who have access to pay with UltimatePay and still getting those failed messages...

Initially, they rejected my payment as well (I took the 180 days sub). I called them (877-703-6339) to ask why are they rejecting. It turns out this is my first transaction with them and so, they won't allow any "big" transaction. The customer rep also mentioned that once I have a few transactions with them, this payment limit will be taken off.

Now I took the entry sub with 30 days for 12.99$, tried again with UltimatePay, and the payment went through. I know some people won't have the add crysta option.... but hope my experience can help a few people here.