The card is a Visa Electron or pre-paid Visa Debit card. Blackbaud Merchant Service (BBMS) supports processing through Visa, MasterCard, Discover, American Express, and Maestro (for deposits in Euros only). Visa Electron cards work similarly to a Debit card, but require that all funds be available at the time of charge. Although a facet of Visa, Visa Electron cards are processed using a different merchant identification mechanism that is not supported by Blackbaud Merchant Service. Many pre-paid Visa Debit or Gift Cards also use a different merchant identification mechanism not supported by BBMS. To resolve this issue, ask the cardholder for a different form of payment.