ookami, I don't blame you for being frustrated. I have no idea what that error message means either, but I will ask our merchant account. We have had orders placed on debit cards so I don't think that is the problem. I don't know if you were there in the beginning of BBay, but they had their problems when they first set up, too. They have worked out theirs by requiring you to pay a membership fee to purchase there. We prefer not to do that. All I can do at this point is tell you that we are working on getting a different merchant account that hopefully will solve these problems. Diane