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Not sure what's disturbing? My guess is that it's issued on a non-US bank and the BIN is coded to score poorly against a high risk recurring transaction.
It really should be scored that way, imo. One of the worst things to happen to conversion ratios is pre-paid cards. You can't make a guy put $30 bucks on his card in order to ram his re-bill through, that's one of the reasons why you don't see ePassporte as a viable alternative to Mastercard or Visa on adult sites. Amex might be able to get away with their crazy replenishment scheme on their pre-paid cards, but they are a closed loop transaction system, they don't have to please the banks that are part of their association.
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And on another note, your surfer knows the names (basically) of the two remaining third party billers? Sounds like a habitual canceller or chargeback to me, most surfers aren't really that bright.
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