Autofill stores addresses, cards and login details locally and injects them into matching fields. When the stored data is out of date, the form fails validation with an error that blames the site.
Expired cards and old postcodes are the frequent culprits, and because autofill fills quietly, people do not notice the wrong value went in.
Some failures are structural instead. Blocked scripts, strict privacy settings or extensions can prevent the site's validation or payment component from loading, so the submit button does nothing.
Testing in a private window with extensions disabled separates stale data from blocked code within a minute.