Errors during Checkout using payjunction

A large percentage of people checking out are getting the following message:

/zencart/index.php?main_page=checkout_payment&error_message=There+has+been+an+error+processing+your+credit+card.+Please+try+again.&zenid=0b9d93cce5a294bf55267a63edec973f

I am using payjunction as the gateway, payjunction is not even getting the information/card data on these errors.

Customers are reporting that upon order confirmation it sends them back to step 2 of the checkout.

Some orders are getting through, but I am getting a lot of complaints. I can't believe that a large percentage of these people can't figure it out or follow directions.

Is anyone else having this problem? I have even added a very clear CVV help popup to clarify that part of the checkout.

Any Thoughts or ideas?

Thanks in advance

Mark Kubes