Please check if you have number rewriting on in Zoiper. (in the account settings.
Maybe some prefix is getting changed / removed / added.
I don't see an other reason why it could fail (other than a server issue).
Codecs are correct right, username and password seem correct.
You might want to ask the provider why the calls are failing, but the prefix is the likely culprit. (The message is played by the server, zoiper does not have such message)