I got the same error code several times, and then it gave me the option to update my ebay account info. I had just replaced my debit card the other day and re-entered the card info. It also had me update(or add) the phone number on my ebay account in order for the transaction to go through and I think that's what the problem was.Just update your ebay info in the "Edit" tab. After that, the payment went through.
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