Eva, Merchant accounts are different from regular checking accounts, and if you want to open one for your company you should contact a merchant service provider. Typically you would need...
The instrument presented was either declined by the processor or bank, or it can't be used for this payment.
Try again later.
(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.