[ic] checkout.html Does not proceed with order

[Company InterNet Services]

I'm using the Construct site, and only have visa and master card as valid payment.
when I'm logged in as Milton (test, test) I can checkout using the credit card 41111....

However on any other user ID, I get an error.... (Errors marked in RED) however nothing is highlighted
and nothing was added to: logs/log or errors.log

I have tried using two other Credit card numbers, but it just keeps redisplaying checkout.html

Lost...
Ken