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3032: Sorry, the payment cannot be completed now. Please try again later or contact Xsolla Customer Support.
This error may appear when your account is blocked on our system. Please check your account for previous chargebacks and contact us to resolve this issue.
So it could be a issue where a payment had an error or you chargedback for something that was suppose to be non refundable and your bank approved it. Have you tried using your steam wallet instead? Thats how I get my purchases through,
Could be a problem with the gift card itself, not sure how you would check if its working but I'm sure theres a way.
How many times has this happened to you. Also did you and your friends all get it work after awhile