Per Steve, here is what went down.
I attempted to place an order 3 times, all came back as denied. With no other information, I was left clueless as to why. I tried 2 different cards with the same result. I called both banks and the answers were the same; the card is fine.
I sent 3 emails to N2BM, none of which were returned. From the reviews and posts on this forum, the consensus is that they typically are very quick to respond. So I was like "WTF is going on". I called their office all of 15 times. I left 1 voicemail that wasn't answered. (read: finish the story before jumping to conclusions about their customer service).
I called again and got a busy signal. Okay, maybe they are on the phone. I kept spamming redial until it rang. Boom, Rick answered the phone. We chatted about my issues for a bit and he was trying to see if it was anything on his end. He told me he was going to call his merchant to see if they can spot anything.
Rick called me back the following day and explains to me that the merchant couldn't identify any issues with the system.
Here's where I'm stupid. Before Rick called me back, I had a spark in my mind. I looked over my denied orders and there she was, the error! I was 1 digit off on my billing zip code which was causing the merchant system to deny the charge. (the zip code I used was one I use all the time for my business; so it was extremely easy to overlook and just say "yea, that's the right zipcode")
So on the phone call with Rick (when he called me back), I expressed to him I found the error and had placed my order and the payment was processed. I expressed my apologies to him that this whole thing was my fault for inputting my information incorrectly.
What does Rick do? He thanks me for my patience and apologies to me! What for?! I'm the one who fucked up!
Rick is a great dude who runs a fantastic business. For those who had the idea that this business was shady from earlier in the story; WRONG! N2BM is class act and will take care of you!
5/5 Stars, A+, 10/10 will use again, [insert perfect rating here].
Thank you to Stevesmi for guiding me through this via visitor messages and this thread. Thank you to Rick @ N2BM for being an absolutely outstanding business man.
If you are considering an order from N2BM, stop thinking and go order NOW!