This is occurring because the billing address on the card is not matching the data submitted or the address data on the constituent record. Try either of the following to resolve the issue:

Verify the billing address and ensure it matches the constituent record:
  1. Go to Constituents > Constituent search and select the card holder's record
  2. Go to the Contact tab
  3. Highlight the Primary address and click Edit
  4. Ensure the address matches the billing address on the card holder account
Lower your AVS (Address Verification Services) Settings:
  1. Go to Revenue > Blackbaud Payment Service Merchant accounts
  2. Highlight and edit the appropriate merchant account
  3. Under AVS level, choose "None" or something lower than your current setting
  4. Attempt to process the transaction again
Change the currency type to your patron's native currency
  1. Go to Administration > Organization Currency Setup
  2. Change currency to patron's native currency
  3. Make payment
  4. Go back to Administration > Organization Currency Setup
  5. Change currency back to USD