New Checkout FAQ

Blackbaud's newest checkout experience provides a modern, secure way to process online payments. It helps organizations improve payment outcomes and deliver a smoother supporter experience.

New checkout offers:

  • A modern, mobile-first payment flow that supports conversion goals.

  • Built-in compliance with Payment Card Industry (PCI) Data Security Standards to protect payment information.

  • Support for cards, digital wallets, and direct debits.

See Support by Solution under Checkout Overview.

New checkout always uses industry best practice settings for AVS levels, CSC levels, and supported card types. As a result, new checkout overrides these settings you configure from Account configurations in the web portal.

A card security code (CSC), sometimes referred to as the CVV (card verification value), is the three‑ or four‑digit security code printed on a payment card. New checkout requires the CSC because it gives issuers stronger signals to evaluate a transaction. Better signals can lead to higher approval rates and fewer unnecessary declines.

CSC isn't treated as a simple pass/fail requirement — instead, issuers evaluate CSC alongside many other risk signals.

For example:

  • A returning supporter makes a small donation from a familiar device and location. Even if the CSC result is inconclusive, the issuer may still approve the donation based on other low‑risk signals.

  • A first‑time donor makes a large donation from a new location. In that case, the issuer may rely more heavily on the CSC result and decline the transaction if it does not match.

Providing a CSC improves the quality of payment data sent for authorization. It doesn't guarantee approval, but it helps issuers make better decisions.

Note: Because CSC is a required security control in new checkout, it can't be turned off

Yes. To learn what's supported and how to integrate, see New Checkout on the SKY API site.