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Query Card returns 400/Timeout

We're trying to do Card Query with AVS. This is the body we send out in OOP style:

QueryCardRequest(
	queryAvs=true,
	queryFees=false,
	account=null,
	card=Card(
		accountNumber=null,
		expirationDate=null,
		securityCode=null,
		keyID=null,
		data=null,
		token=80FQzaN7Ms5lCq8...,
		device=null,
		mobilePay=null
	),
	owner=Owner(
		name=Name(
			company=null,
			first=John,
			middle=null,
			last=Doe,
			suffix=null
		),
		address=Address(
			line1=null,
			line2=null,
			city=null,
			state=null,
			zipcode=94110,
			country=null
		),
		phone=null
	),
	currency=null,
	amount=null,
	timeout=0
)

We're getting:

{
    "SC": 400,
    "EC": "3C3E1291",
    "EM": "Timeout"
}

Any clues? Gateway timeouts are usually 504 according to https://developers.tabapay.com/reference/http-status-codes.


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