Transaction Error: Press the button on your Zenith Bank token and type your PIN plus the One Time Password (OTP) generated by the token

What does 'Press the button on your Zenith Bank token and type your PIN plus the One Time Password(OTP) generated by the token' mean?

This means that the customer did not input the token sent to them by their bank to complete the transaction.

What can I do about it?

The customer will need to retry the transaction and provide the OTP on their token device to complete the transaction.