I am getting this same error on my localhost environment running on codeigniter. I use do direct payment and i get following response Array
 => Array
[L_ERRORCODE] => 10548
[L_SHORTMESSAGE] => Invalid Configuration
[L_LONGMESSAGE] => This transaction cannot be processed. The merchant's account is not able to process transactions.
[L_SEVERITYCODE] => Error
Any help will be appreciated
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