Okay guys...I have to dissagree with some of your replies.
A gloss finish is NOT essential to good decal applications.
I've been modeling for over 40 years, 10 professionally and I have NEVER had a problem with applying decals to a flat finish paint job.....sure, it's much easier to apply a decal to a nice gloss finish, but I can get the same results on flat surface too.....even on wood !
when you apply the decal to a flat finish, allow it to dry completely first. Then you can see any air that may be trapped under it. Any air paockets will show up clearly, also any "silvering" or air under the entire decal will be readily seen.
Simply apply some good decal solvent to soften the decal and pierce any air pockets with a SHARP hobby knife. You should see the solvent bleed through the decal and eliminate any trapped air pockets.....this also works for "silvering" .....repeat this step until you have the desired results.
Once your happy with the results, spray the decal area with a flat finish to seal the deal....Any shine from the decal should disappear and trust me, it will look look painted on !!
Happy Modeling !
Jerry