Recurring Payment, gives me 482 DECLINED * EXPIRED CARD when requesting more than 2 recurring Payments?

Hi,

 

When setting up a recurring payment within the API, I can select two payments and it is fine, however when I want 4 is comes back DECLINED * EXPIRED CARD.

 

This is a test card. I am sending the exact same data, except the total amount broken into 4 payments rather than two. This is the code I have

 

           $date = new Carbon('first day of next month');

/********************************* Recur Variables ****************************/
$recurUnit = 'month';
$startDate = $date->addDays(14)->format('Y/m/d');
$numRecurs = 4
$recurInterval = '1';
$recurAmount = 100.00
$startNow = 'true';