Claudio, In order to have a home remodeling business in New York you will have obtain a license from local authorities. For example, at this link (http://www.nyc.gov/html/dca/html/licenses/100.shtml) you can read...
(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.