Opencart Paypal Express Checkout L_ERRORCODE0=10486

When I making payment, keep getting error code 10486, this message from Error Log. When I making payment, I choose not require login option and then using credit card, but debit card has no issue, only credit card. Paypal prompt me "We're sorry, the card issuer declined your purchase using card Visa x-xxxx. Please enter a new credit or debit card to continue payment." OR after clicking pay now, it is redirect back to the website, but payment is not successful sometimes is working not everytime, very weird. I've check many website, but no solution, I did try paypal payment standard module transaction still fail, but no error logs found.When I making payment, keep getting error code