Bramnha, EIN is obtained from the IRS, and you can either do it online (provided you have SSN and the application goes though) or use a third party. We provide...
(a) You made a typo in the card number, CCV code, expiration date, name or address;
(b) Your card balance is too low;
(c) Issuing bank has declined this transaction for some other reason related to your account.