Virtual card creation returning error

Good day all,
I am trying to create a virtual card with both the nodeJS SDK and the REST endpoint and it keeps returning this: {status: ‘error’, message: ‘Customer does not have sufficient funds’, data: null}. I am running in test mode, not live mode and I have funded the account with sufficient amounts both in NGN and USD.
Please can anyone help with this?

Hi @Hebron_Praise

Thanks for contacting Flutterwave!

My name is Abraham, and I will be helping you today.

please kindly share a test account merchant Id.