As long as the credit card information is stored in the Blackbaud Payment Service, it can be processed to the merchant account. Once this information hits the merchant account, it is up to the donor's bank to allow or deny the charge. If the credit card is expired and the account no longer valid, the authorization returns an authorization code of 'Card Expired'.

Credit card information is stored in Blackbaud Payment Service 6 months past expiration date and then purged.