Yai, OPAL ID is given to a business entity, so if for example you obtained it as a sole proprietor, never did business, and now want to start, the OPAL...
(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.