Rejection CodeCodeDescriptionHow to Resolve
The request is missing one or more required fields (billTo_XXXXX).101The card holder does not have a complete address on his or her constituent record.  All credit card transactions must have a complete address in order to process.Ensure the country, address, city, state and zip code (or comparable if from another country) are supplied when processing the transaction. Once all fields are met, reprocess the transaction.
One or more fields in the request contains invalid data102There are incomplete or invalid characters supplied in the payment data.Have the donor verify that the correct country is selected from the donation form and that all required fields are completed.
Processing Error150Gateway result: Error: General system failure. This may occur if there is a communication lapse when sending or receiving authorization from the issuing bank.If you see numerous transactions with this error please contact Blackbaud Merchant Services (BBMS) Support.
The authorization request was declined because it did not pass the Address Verification Service (AVS).200/2001The numerical address or zip code submitted does not match what the issuing bank has on record.  This could be caused by one of two reasons:
1. The card holder entered the information incorrectly
2. The Address Verification Service (AVS) settings are too high. More information on
Address Verification System (AVS) Settings here
Have the card holder verify how his or her address information appears on their banking account or adjust AVS settings for BBMS. Light is the recommended setting to allow for international card holders to make transactions online.
The issuing bank has questions about the request.201The credit card company would like to speak with the card holder before authorizing the transaction.  This error usually occurs with large transactions.Have the card holder reach out to their credit card company. Once the transaction is cleared with the bank, process the transaction again.
Expired card202Expiration date provided does not match the date the issuing bank has on file.Confirm the expiration date with the card holder or have them verify with their bank and reprocess the transaction.
Please call the number on the back of your card. Your bank requested that we do not honor this card.203The issuing bank or credit card company did not share a valid decline code reason to the payment gateway. This can occur for a number of reasons:
-The issuing bank has questions for the card holder
-There is suspected fraud/unusual activity on the account
-A new card has been issued
-The bank does not recognize the sender
Have the card holder reach out to his or her credit card company within 24 hours and discuss the intended transaction. Once the transaction has been cleared, reprocess the transaction.
Insufficient funds204The card does not have enough funding to complete the transaction.Contact the card holder and request a different card or other form of payment.
Stolen or lost card205The card has been reported as lost or stolen by the card holder or issuing bank.Contact the card holder and request a different card or other form of payment.
Inactive card or card not authorized for card-not-present transactions208The card requires activation before use or is restricted to only card present transaction types.Have the card holder contact their bank to ensure the card is available for use or request a different card or other form of payment.
The card has reached the credit limit210The card does not have enough funding to complete the transactionContact the card holder and request a different card or other form of payment.
Invalid card verification number.211The 3-digit security code on the back of the Visa, MasterCard or Discover does not match what the card holder's bank has on file. For American Express this is the 4-digit code on the front of the card. This can also mean the expiration date was entered incorrectly. Information on  Card Security Code (CSC) settings here.Have the card holder re-enter the security code and/or expiration date or verify the digits with their bank.
Invalid Account Number231The credit card account number is invalid or incorrect.  The card number and card type (i.e. Visa, MasterCard, etc.) may have been entered incorrectly or the card may no longer be valid.Verify the card number and card type with the card holder and re-enter.
Not ProcessedValidation ErrorA processing connection failure did not submit the transaction successfully.Resubmit the transaction. If the error persists, please contact Blackbaud Merchant Services (BBMS) Support.
Invalid Card Number240The credit card number is invalid or contains invalid characters such as spaces or dashes.  This code has a number of different causes.
1. The card number and card type may have been entered incorrectly.
2. The Card may no longer be valid.
3. The Card may no longer be stored in BBPS.  This can occur if a credit card has been expired more than 6 months and a new card number has been issued.
Verify the card number, expiration date, and card type with the card holder and re-enter the credit card.
High risk of fraud determined for this transaction.502Blackbaud Merchant Services (BBMS) Fraud Management Risk Scores declined the transaction due to risk score set by the organization.If the transaction is valid, adjust the risk score to allow the transaction to be submitted again. Adjust the Fraud Management settings back to the desired level after the transaction passes successfully.
The amount exceeds the maximum per transaction amount limit.803Per industry standard Blackbaud Merchant Services (BBMS) is able to accept transactions up to $50,000 per transaction. Any amount over $50,000.00 will be rejected.If the gift amount exceeds $50,000 the transaction may be separated into two or more separate transactions to equal the desired amount. Should you want to raise your per transaction limit for BBMS please contact Blackbaud Merchant Services Support.
Sorry, we are unable to process your transaction at this time. Please try again later.805This error occurs when you attempt to process a transaction through BBMS and the bank account on file for disbursements has been declined by BBMS account Validation.Please reach out to the Account Validation team at BBMSAccountValidation@blackbaud.com to get this resolved. In the email please include your organization's Site ID and a voided check, copy of the bank statement or letter from your bank in official letterhead which includes the Account holder name, routing number, account number and account type.
The client IP XXXXXXX has been blacklisted due to repeated authorization failures.Validation ErrorBlackbaud Payment Services monitors transactions for suspicious or potentially fraudulent behavior. If a transaction  or multiple transactions are attempted with failures by the same IP it may result in blacklist.If the transaction is valid, please contact Blackbaud Merchant Services support and request to have the IP(s) removed to allow the transaction to be attempted again.
Multiple attempts at using this credit card have resulted in errors. For security reasons, we cannot accept transactions using this credit card. Please contact us directly to process your transaction.Validation ErrorBlackbaud Payment Services monitors transactions for suspicious or potentially fraudulent behavior. If a card is attempted several times with errors it may be blacklisted.  If the transaction is valid please contact Blackbaud Merchant Services support to request that the card is removed. Once the card is removed from blacklist the transaction can be attempted again.