Convenience Fee transaction always returned with Decline 978 even using always approve VISA

Connected to the convenience fee store monca00392. Tried all 5 always Approve VISA cards listed in the Penny Value Simulator but still got declined 978 all the time.

Captured the response below, tried with various amounts.

date_stamp=null&
time_stamp=null&
bank_transaction_id=null&
charge_total=60&
bank_approval_code=null&
response_code=978&
iso_code=null&
message=Failed+CF+transaction&
trans_name=purchase&
cardholder=sdsda&
f4l4=4924***0145&
card=null&
expiry_date=2312&
result=0&
convenience_fee=1.05&
cf_success=false&
cf_fee_rate=1.75&
cf_fee_type=PCT&
txn_num=null&
cvd_response_code=null&