[moneymaker6660]

I understand what you're saying, but It's best to contact them by phone and "remain on the line" until the Issue Is rectified. After all, It Is their gateway that's preventing your payment from being processed.

You have nothing to lose and everything to gain.

After googling the initial error code I stumbled upon someone who had asked Nike via twitter what the error code means and he was given this reply. Some kind of problem with the address and payment methods it seems.
https://gyazo.com/cf404200e68b0521773b5a2accb629be

Interesting, hence as per one of my earlier posts:

or a mismatch with the billing address against the bank details.

Very interesting indeed but quite inconvenient for myself to work around