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javascript cc verification fails before authorize.net post even possible on valid credit cards

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javascript cc verification fails before authorize.net post even possible on valid credit cards

So running a new install of Magento 2.1.7.  SSL is in place.  Paypal and other payment methods seem to be working fine.  However, with standard credit card payments via the built-in authorize.net API, I'm getting this problem even on legitimate credit card numbers.  Sometimes it also complains about the expiration date when I actually hit "Place order."  The order is never passed on to authorize.net as I can't get past this javascript checking.  This is also true even when I turn off "Credit Card Verification" in the authorize.net payments section of the store config.  Any ideas why this is happening? 

 

Also, Noob alert. 

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