For payment processing to work in Luminate CRM, you have to have a donation form cross-referenced and the form has to be offline. In addition, the API admin group also has to have proper permissions:

Below are the payment processing checkpoints for this setup:
  1. Ensure the Campaign and donation form in Luminate Online is cross-referenced to the same campaign in Luminate CRM.
  2. Set the designation field when cross-referencing to process recurring gift donations
  3. Confirm the API Permissions are set (API admin group) by going to Support Management => Force API
  4. Offline Donation API => Add and Refund offline donations via API
  5. Recurring Gifts => Recurring API
  6. Ensure the donation form is published and allows offline donations.