We recently implemented CIM. We've had a lot of complaints of declines, and have found that they're H&R Block Mastercards, apparently some sort of prepaid or gift card. They're being declined when the test transaction is done to create a payment profile.
So are there limitation in what types of cards can be used with CIM?
Because these cards are not associated to an address the AVS check will fail. In this case, you'll need to uncheck the setings for U in the Merchant Interface.
Refer to this post for more details: