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Sandbox Payment fails on default values

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Hi - I’m building my first php card-payment for a customer and have the web-payments-quickstart working but the default values for the VISA card (4111 1111 1111 1111, 07/25, 111, 07924 (my zip code)) result in a “Payment Failed” method.
I’m using http://localhost:3000/examples/card-payment as my address.
My code is as follows:

<!doctype html>
<html>
  <head>
    <link href="/app.css" rel="stylesheet" />
    <script
      type="text/javascript"
      src="https://sandbox.web.squarecdn.com/v1/square.js"
    ></script>
    <script>
      const appId = 'sandbox-sq0idb-aw1FtqwNeZro48yfTz39OA';
      const locationId = 'LFW5JTF75XRGJ';

      async function initializeCard(payments) {
        const card = await payments.card();
        await card.attach('#card-container');

        return card;
      }

      async function createPayment(token, verificationToken) {
        const body = JSON.stringify({
          locationId,
          sourceId: token,
          verificationToken,
          idempotencyKey: window.crypto.randomUUID(),
        });

        const paymentResponse = await fetch('/payment', {
          method: 'POST',
          headers: {
            'Content-Type': 'application/json',
          },
          body,
        });

        if (paymentResponse.ok) {
          return paymentResponse.json();
        }

        const errorBody = await paymentResponse.text();
        throw new Error(errorBody);
      }

      async function tokenize(paymentMethod) {
        const tokenResult = await paymentMethod.tokenize();
        if (tokenResult.status === 'OK') {
          return tokenResult.token;
        } else {
          let errorMessage = `Tokenization failed with status: ${tokenResult.status}`;
          if (tokenResult.errors) {
            errorMessage += ` and errors: ${JSON.stringify(
              tokenResult.errors,
            )}`;
          }

          throw new Error(errorMessage);
        }
      }

      // Required in SCA Mandated Regions: Learn more at https://developer.squareup.com/docs/sca-overview
      async function verifyBuyer(payments, token) {
        const verificationDetails = {
          amount: '1',
          billingContact: {
            givenName: 'John',
            familyName: 'Doe',
            email: 'john.doe@square.example',
            phone: '3214563987',
            addressLines: ['123 Main Street', 'Apartment 1'],
            city: 'London',
            state: 'LND',
            countryCode: 'GB',
          },
          currencyCode: 'GBP',
          intent: 'CHARGE',
        };

        const verificationResults = await payments.verifyBuyer(
          token,
          verificationDetails,
        );
        return verificationResults.token;
      }

      // status is either SUCCESS or FAILURE;
      function displayPaymentResults(status) {
        const statusContainer = document.getElementById(
          'payment-status-container',
        );
        if (status === 'SUCCESS') {
          statusContainer.classList.remove('is-failure');
          statusContainer.classList.add('is-success');
        } else {
          statusContainer.classList.remove('is-success');
          statusContainer.classList.add('is-failure');
        }

        statusContainer.style.visibility = 'visible';
      }

      document.addEventListener('DOMContentLoaded', async function () {
        if (!window.Square) {
          throw new Error('Square.js failed to load properly');
        }

        let payments;
        try {
          payments = window.Square.payments(appId, locationId);
        } catch {
          const statusContainer = document.getElementById(
            'payment-status-container',
          );
          statusContainer.className = 'missing-credentials';
          statusContainer.style.visibility = 'visible';
          return;
        }

        let card;
        try {
          card = await initializeCard(payments);
        } catch (e) {
          console.error('Initializing Card failed', e);
          return;
        }

        async function handlePaymentMethodSubmission(event, card) {
          event.preventDefault();

          try {
            // disable the submit button as we await tokenization and make a payment request.
            cardButton.disabled = true;
            const token = await tokenize(card);
            const verificationToken = await verifyBuyer(payments, token);
            const paymentResults = await createPayment(
              token,
              verificationToken,
            );
            displayPaymentResults('SUCCESS');

            console.debug('Payment Success', paymentResults);
          } catch (e) {
            cardButton.disabled = false;
            displayPaymentResults('FAILURE');
            console.error(e.message);
          }
        }

        const cardButton = document.getElementById('card-button');
        cardButton.addEventListener('click', async function (event) {
          await handlePaymentMethodSubmission(event, card);
        });
      });
    </script>
  </head>
  <body>
    <form id="payment-form">
      <div id="card-container"></div>
      <button id="card-button" type="button">Pay $1.00</button>
    </form>
    <div id="payment-status-container"></div>
  </body>
</html>

How do I troubleshoot this?
Thanks for the help!

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