To reproduce:

• Create a wizard list order form
• Place and order through the form
• Enter invalid payment credentials and check the box to save them
• Submit and receive an error "The payment account could not be found for that client."
  In controllers/checkout.php change around line 704 from:

  
                      if ($type == 'ach') {
                          $account_id = $this->Accounts->addAch($this->post);
                      } elseif ($type == 'cc') {
                          if (isset($this->post['expiration_year']) || isset($this->post['expiration_month'])) {
                              // Concatenate the expiration date to the form 'yyyymm'
                              $this->post['expiration'] = (
                                      isset($this->post['expiration_year']) ? $this->post['expiration_year'] : ''
                                  ) . (isset($this->post['expiration_month']) ? $this->post['expiration_month'] : '');
                          }
  
                          // Remove type, it will be automatically determined
                          unset($this->post['type']);
                          $account_id = $this->Accounts->addCc($this->post);
                      }
  

  To

  
                      if ($type == 'ach') {
                          $account_id = $this->Accounts->addAch($this->post);
                      } elseif ($type == 'cc') {
                          if (isset($this->post['expiration_year']) || isset($this->post['expiration_month'])) {
                              // Concatenate the expiration date to the form 'yyyymm'
                              $this->post['expiration'] = (
                                      isset($this->post['expiration_year']) ? $this->post['expiration_year'] : ''
                                  ) . (isset($this->post['expiration_month']) ? $this->post['expiration_month'] : '');
                          }
  
                          // Remove type, it will be automatically determined
                          unset($this->post['type']);
                          $account_id = $this->Accounts->addCc($this->post);
                      }
  
                      if (($errors = $this->Accounts->errors())) {
                          $this->Input->setErrors($errors);
                          return;
                      }