Always getting 105 declined in testing

Every time I create a payment I get this problem in testing.  I'm sending $1.00, which as I read the docs should be approved.  The pay portal shows up.  I click 123Bank and click Fund Payment.  Every time it's declined with 105.  Look up that error: Invalid/declined card. 


response_order_id=43E2C6E60869F8B3
&date_stamp=2019-10-17
&time_stamp=19%3a19%3a49
&bank_transaction_id=660114080018394580
&charge_total=1.00
&bank_approval_code=000000
&response_code=105
&iso_code=57
&message=DECLINED+++++RE-TRY*+TRANS+NOT+PERMITTED%3dCANNOT+PROCESS*PLEASE+RETRY
&trans_name=idebit_purchase
&cardholder=
&f4l4=***
&card=00
&expiry_date=
&result=0
&ISSNAME=TestBankEN
&ISSCONF=ISS-CONF-NO
&INVOICE=43E2C6E60869F8B3