Our client just discovered that Ultimate Gift Card breaks the payment process (at least with the Paytrail gateway) by applying the coupon to shipping costs, contrary to how the WooCommerce coupon handles things.
The problem is detailed and confirmed here:
Not only does UGC break the payment process for itself, but having UGC active also breaks the regular WooCommerce coupons. The issue can be remedied by deactivating Ultimate Gift Card.
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