Jay, First of all, let me explain the concept of “nexus”. If your company meets certain conditions it creates “nexus”, meaning a connection, to a certain state. Sometimes it means...
(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.