This could be due to a few reasons. Within your payment processor account, check to see if this information was entered correctly:
- The correct Zip Code associated with the card
- The correct Address associated with the card
- The Correct First and Last Name associated with the card
- The Card Number was typed in correctly
- The members’ Bank is not blocking the charge
If eCheck’s are not turned on, you can turn them on by following the instructions here.