Тоже была такая беда. Помогло добавление параметра receipt.
$payment = array(
'amount' => array(
'value' => $order["total"],
'currency' => $order["currency"],
),
'payment_method_data' => array(
'type' => 'bank_card',
),
'confirmation' => array(
'type' => 'redirect',
'return_url' => $returl,
),
"receipt" => array(
"customer" => array(
"full_name" => $customer["fullname"],
"phone" => preg_replace("/[^0-9]/", "",$customer["phone"]),
"email" => $customer["email"]
),
"email" => $customer["email"],
"items" => $items
),
'capture' => true,
'description' => $order["reason"],
);