Two accounts are required to process credit cards through Blackbaud products. The first is Blackbaud Payment Services (BBPS). The second is a merchant account, most often Blackbaud Merchant Services (BBMS).
What is different about these accounts, and why are they required?
Blackbaud Payment Services (BBPS) is Blackbaud's solution for secure credit card storage. All credit cards in your Blackbaud products are stored in our secure servers at BBPS. This protects the donor's personal information as well as the user from any liability.
BBPS is required by all Blackbaud products to either process or store credit card information. BBPS is what enables Blackbaud software to adhere to the PCI-DSS security standards set forth by the major credit card companies.
Blackbaud Merchant Services (BBMS) is a merchant account available to use with your Blackbaud products. Merchant accounts are responsible for actually processing the credit card transactions and depositing the funds into your bank account.