For IRIS, the fields are taking differently, In IRIS, for Payer's Phone correctly taking, but for Payer's email ID(Mandatory field), taking the Contact's Email Id, but the IRIS T Column header is written as Payer's Email Id. so we need to take the Payer's Email ID only not the Contact's Email ID. If you guys are taking the Contact's email ID as the Payer's Email ID, then you need to take the Contact's Phone number instead of the Payer's Phone number.

Screenshot: https://drive.google.com/file/d/139iFcmjwKuYLiyAV6sEKPYqVazyKorni/view?usp=sharing