When using BBMS as a processor, how are transactions displayed on cardholder statements? For some transactions donors are seeing BB*PENDING or BB*Mississauga ON or another location in the description.
Blackbaud provides the bank or credit card company our company name and contact information along with the organization's descriptor; and the bank or credit card company determines which appears on their statements. Most donor credit card statements refer to “BB*”, followed by the statement descriptor from the BBMS Portal. An example of a statement descriptor is: BB*Save The Whales 888-888-8888. Please see How to change what appears on donor credit card statements when using BBMS.
For some issuing banks, this descriptor does not appear on donors’ online statements for up to 84 hours. During this period, Blackbaud Merchant Services’ default descriptor---BB*PENDING---may appear, along with a toll free phone number for the Blackbaud Donor Support Call Center, which can look up all transactions and inform donors that they are processed by Blackbaud on behalf of the non-profit organization. When the processing bank switches the transaction from Pending to Processed, the appropriate statement descriptor, as set up in the Blackbaud Merchant Services web portal, then appears on the donor’s credit card statement.
In addition to BB*PENDING, a state may be indicated at the end of the descriptor if available by the issuing bank. For example: BB*Save The Whales San Diego CA. This indicates where the transaction was sent to for processing, not where the organization is located. Transactions processed in Canada will display Mississauga ON.
To help avoid confusion, organizations may want to add language about pending descriptors on their donation pages.