Whenever someone attempts to pay via maestro they get the following error
12 [Declined:
10764-This transaction cannot be processed at this time. Please try again
later.

I have spoken to paypal who claim it its not them who is declining the cards even though the error code suggests this is the case.
I have also had my customer speak to their bank who also say its not them declining the card.

I am able to successfully process the card with the same details using virtual terminal.

I have upgraded to the latest 1.3.9c zencart version

Any help greatly appreciated