This is why businesses should put in the effort and sign up for credit terms. Then it's an invoice, and you reduce this risk substantially.
Credit cards are _not_ reliable at this scale. Banks are offline all the time, cards are marked stolen, protocols change, all sorts of things that will cause flags indicating "the money can't move down that path".
Businesses that pay for AWS/Cloud/etc via credit cards are trying to buy reliability but put it behind a single point of failure.
Credit cards are not how you should be paying for business services with uptime requirements!
I'd be curious to know why Railway's account was suspended. Was it a similar payment issue or something else?
But most likely, it's just automations in place without an appropriate human override coupled with gross negligence.