Trying to upload a pdf file thru vendor site

Error keeps coming up saying "transparency used"

It's a business card with 3 shapes

shape 1. vector background with specific CMYK values suggested by vendor to get rich black C60 M40 Y40 K100

shape 2. inset CMYK raster image

shape 3. Thin vector CMYK border

No drop shadows, no lens, no transparencies

Could this be in my pdf settings?