This is an authorization network response that indicates the transaction went to the donor's bank (the issuing bank of the credit card) and was declined. The donor should contact his bank to check his account to find out the reason for the rejection.

OR

If the credit card is confirmed valid, and no direct debits are included in your batch, remove the option to create a direct debit file.

1. Go to Tools > Create EFT Transmission File
2. Unmark the check box to Create direct debit file