A 64022 error is an indication that your Pay Connector is in TEST mode, but you did not provide a valid test card number when testing a payment.
Possible Causes
Your pay connector is in TEST mode and you provided an invalid test card number when testing a payment. For compliance reasons, we can only allow certain test card numbers in TEST mode.
Possible Solutions
Check the documentation for the pay connector in the Twilio Console or in our Twilio docs for valid test card numbers that can be used when in TEST mode.