1. From Revenue, click Blackbaud Payment Service Merchant Accounts
  2. Ensure that Blackbaud Merchant Services is the Default authorization account and the Default card present account (both columns have a green check mark)
  3. Ensure that the process mode is set to Test
  4. Click on Sales, then Daily Sales
  5. Add an item to the cart, click Credit
  6. Swipe the card
  7. Receive error: Error: Payment Service Error. Unable to process transaction at this time. 
This may happen when the Blackbaud Merchant Service account is being declined due to compliance paperwork that has not been filled out. Please visit https://www.blackbaud.com/bbmsaccountvalidation for more information, and contact Blackbaud Merchant Services support for more information.