Insufficient UserPoints means no payment method?

I am trying to set up a rewards shop. I got everything set up great for the most part, except when someone tries to proceed to checkout with an insufficient amount of Alpha User Points, it just says no payment method found - instead of telling them they don't have enough points or anything??? How I am the only person that has a problem with this? Users are going to assume the site is broken, not that they don't have enough AUPs. Any advice on this? I would really like it if an alternate version of the message that shows when you DO have enough AUPs shows (basically a version of that that tells the user how many AUPs they need to acquire instead of how much it's going to take out of their AUPs).