Payment gateway invalid when using Checkout API to checkout on Italian merchant with US credit card

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When manually doing checkout on the website, on its payment section, after clicking “Order and Pay”, we will be redirected to Credit Card to complete purchase. 

However it looks like this doesn't work out when using Checkout API. We are doing


By posting to /admin/checkouts/(token)/payments.json we have response 422 with error 

{"errors":{"payment_gateway":[{"code":"invalid","message":"is invalid","options":{}}],"checkout":{"payment_gateway":[{"code":"invalid","message":"is invalid","options":{}}]}}}


Any suggestions? Is using stripe one of the solutions?