...take 3-4 weeks from the beginning of the application process. (In the event you needed multiple licenses, for example, a distribution and wholesale license, those could both be done simultaneously)....
The instrument presented was either declined by the processor or bank, or it can't be used for this payment.
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(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.