I did make edits to the checkout page. I removed the div's for using a credit card. We just want to use paypal. So I put a fresh copy of it in, and tried it with the same results.
I entered a cc in the checkout page, but since we're not using it, I've disabled it in the globals. Here was the results anyway.
Your transaction could not be completed. Either your credit card information or billing address has problems and cannot be processed
Please return to checkout and try again.