Ugh hate to say it it worked for a few transactions then back to declining sigh.  I think I am about to jump ship over to Stripe or Wave or anything else.  I dont receive any emails as to why they decline, its a $5 invoice for testing.  The few that got through are delayed saying review in email sent and I have not received any email.  The dumb responses are check your spam as if I didnt already five million times.