Cybersource error 102

ISSUE: User gets 'Payment has not been successful. Declined - one or more fields in the request contains invalid data. | Invalid Field(s): billTo/email' when trying to create a payment or a customer deposit.

RESOLUTION: Customer record is missing email address. Set an email address under Customer > Financial > Invoice Email, save and try again.

This is a Cybersource requirement. SuiteAnswer 34839 CyberSource Reason Code 102 Due to Invalid Field (Bill To Email) (custhelp.com)