Try this ...
/includes/modules/checkout_process.php (or your override version of the same), around line 38 you'll see:
Code:
if ($_SESSION['payment_attempt'] > 3) {
Try changing the 3 to 5 or 6, and test the MIGS timeout issue again.
This setting is used to limit the number of tries someone can make for payment, since people who steal credit cards like to use random websites to do fake checkouts to see whether the stolen card is "good" or not. The counter increases with each (failed) payment attempt. And, YOU pay for each attempted transaction, with a partial service charge.
It could be that the MIGS approach to passing transaction processing back and forth from your store to MIGS and back and then to MIGS and back again might be triggering that counter multiple times during a "normal" MIGS checkout, thus causing the timeout. Simply increasing the number might help. If not, then the MIGS module may need some upgrading.
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