1. Ensure that you have entered the correct System Key, Login ID, and Password when configuring your merchant account.
  2. Ensure that the merchant account Process mode is not set to "Test".
  3. Ensure that the merchant account has been activated by Authorize.net
  4. Ensure that the username and password fields are correctly configured when setting up Authorize.net as a merchant account.
  5. Contact Authorize.net for further assistance

Blackbaud is unable to address this issue because it is related to third-party software. For assistance, contact the third-party vendor.