Usability issues on a payment form

I know, I know, it is easy to nitpick on other people design, but this morning I tried to pay my phone bill online, and... failed. I had to retry many times, because I kept making mistakes on a simple, run-of-the-mill form to enter my credit card data. I was dumbfounded. How can, in 2009, people manage to make such a trivial and essential part of online business go so wrong? As I guess you are as curious as me, here is what I found out: (See the picture for the 3 main pain points)

Telefact-bloopers.png

So,after 3 failed attempts, I managed to pay my bill. All this on a simple form with no fancy verification code or Captcha. Well done Telefact, I wonder if you can find a worse example still in use today.