The error message, "There is one or more missing or invalid required fields." is a message generated by Authorize.net. By logging into your Authorize.net account, you can view more details as to why this charge did not go through.
After logging into your Authorize.net account, click on "Transaction Search" at the top of the screen. Then scroll to the bottom and do a search for transactions number 40889607186 into the box labeled "id" and then press the "search" button.
You will see at the top of the screen the following statement by Authorize.net:
"Transaction Status: Declined (Card declined by issuer - Contact card issuer to determine reason.)"
Since this is a new card issued to your customer, perhaps they have not "Activated" the new card with the credit card company.
It is also required that your customers mailing address on file with AllProWebTools must match that of the credit card they are using. So we recommend updating the mailing address BEFORE updating the credit card on file.