We keep on getting the following error message when trying to use credit card payments:

[name] => INSTRUMENT_DECLINED
[details] => Array
(
)

[message] => The instrument presented was either declined by the processor or bank, or it can't be used for this payment.
[information_link] => https://developer.paypal.com/docs/api/payments/#errors
[debug_id] => f39c52fa31f5c

We have tried different PayPal accounts without success. Any suggestions?