How to Fixed SAGE Decline/Error TSYS Error Codes

Sage 50 bookkeeping solution is used by many small organizations for their accounting and financial needs. It is designed in such a way that it can be seamlessly incorporated with several other online applications. Sage 50 is one of the most trusted accounting software when it comes to security and the safety of their client’s data. It is a desktop based application with any time & anywhere cloud access. This makes your various tasks easy like managing the invoices as well as making payments to various vendors or clients.

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You can easily connect with your bank for your payments. While making payments or receiving payments you can come across certain bank error. These bank errors restrict your payments. They are classified as Sage 50 Decline Error Codes and Gateway Bank Error Codes.

SAGE Decline/Error TSYS Error

Decline error Codes are those error that occurs when your bank card issuer blocks your transaction. It may be due to many reasons while the Gateway Error Codes occurs when there are some issues with your merchant gateway.

Here is a list of Sage 50 TSYS errors (Decline Error Codes) along with their error message and Error status.

Status of ErrorError CodeError Status Meaning
Call2Refer to issuer-Special condition
Term ID Error3Invalid Merchant ID
Hold-call or Pick Up Card4Pick up card (no fraud)
Decline5Do not Honor
Error XXXX6General error
(Check Service Custom Text)06*Error response text from check service
Hold-call or Pick Up Card7Pick up card, special condition (fraud account)
Invalid Trans12Invalid transaction
Amount Error13Invalid amount
Card No. Error14Invalid card number
No Such Issuer15No such issuer
RE Enter19Re-enter transaction
No Action Taken21Unable to back out transaction
No Reply28File is temporarily unavailable
No Credit Acct39No credit account
Hold-call or Pick Up Card41Lost card, pick up (fraud account)
Hold-call or Pick Up Card43Stolen card, pick up (fraud account)
No Check Account52No checking account
Expired Card54Expired card
Wrong PIN55Incorrect PIN
Serv Not Allowed57Transaction not permitted-Card
Serv Not Allowed58Transaction not permitted-Terminal
Decline61Exceeds withdrawal limit
Decline62Invalid service code, restricted
Sec Violation63Security Violation
Decline65Activity limit exceeded
PIN Exceeded75PIN tries exceeded
Unsolic Reversal76Unable to location, no match
No Action Taken77Inconsistent data, rev., or repeat
No Account78No account
Already Reversed79Already reversed at switch
Date Error80Invalid date
Encryption Error81Cryptographic error
Cashback Not App82Cashback limit exceeded
Can’t Verify PIN83Cannot verify PIN
Card OK85No reason to decline
Can’t Verify PIN86Cannot verify PIN
No Reply91Issuer or switch is unavailable
Invalid Routing92Destination not found
Decline93Cannot complete, violation
Duplication Trans94No match, unable to locate
System Error96System malfunction
Failure CVCVCard Type Verification Error
Acct Length ErrEAVerification error
Check Digit ErrEBVerification error
CID Format ErrorECVerification error
Failure HVHVHierarchy Verification Error
Cashback Not AvlN3Cashback service not available
DeclineN4Exceeds issuer withdrawal limit
CVV2 MismatchN7CVV2 Value supplied is invalid
Stop RecurringR0Customer requested stop of specific recurring payment
Stop RecurringR0Customer requested stop of specific recurring payment
Stop RecurringR1Customer requested stop of all recurring payments from specific merchant
Stop RecurringR1Customer requested stop of all recurring payments from specific merchant
ApprovalT0First check OK and has been converted
Cannot ConvertT1Check is OK but cannot be converted. This is a declined transaction
Invalid ABAT2Invalid ABA number, not an ACH participant
Amount ErrorT3Amount greater than limit
Unpaid itemsT4Unpaid items, failed negative file check
Duplicate NumberT5Duplicate check number
MICR ErrorT6MICR Error
Approval0It was approved and completed
Address Match00 or 85Address matched only
>Address Match00 or 85Street Address match for international transaction. Postal Code was not verified because of incompatible formats  (Acquirer sent both street address and Postal Code)
Exact Match00 or 85Exact match, 5-character numeric ZIP
Exact Match00 or 85Exact match, 9-character numeric ZIP
Exact Match00 or 85Street Address match for international transaction
Exact Match00 or 85Street Address match for international transaction
No Match00 or 85No address or ZIP match
Retry00 or 85Issuer system unavailable
Serv Unavailable00 or 85Service not supported
Serv UnavailableStreet Address and Postal Code not verified for international transactions because ofincompatible formats (Acquirer sent both street and Postal Code)
Ver Unavailable00 or 85Address information not verified for international transaction
Ver Unavailable00 or 85Address Unavailable
Ver Unavailable00 or 85Non-U.S. Issuer does not participate
Zip Match00 or 855-character numeric ZIP match only
Zip Match00 or 859-character numeric ZIP match only
Zip Match00 or 85Postal Codes match for international transaction, Street Address not verified because of incompatible formats (Acquirer sent both street address and Postal Code


If you come across any errors that are listed above then you are advised to connect to your bank and request them to explain the reason for the decline. It is suggested that you avoid making transactions for at least 48 hours after you have come across the Sage 50 Decline Error Codes.

Cloud Hosting Support

In case of any doubts and queries, reach out to for assistance. It is one of the most recommended consultancies that provide round the clock customer services for various accounting software like Sage 50, etc across the globe. To connect with them, you just have to give a call on their toll-free desktop support number ✆+1-800-796-0471. You can also reach out to them by visiting their website For Sage 50 Live Chat Assistance. This is one of the fastest ways to get in touch with the expert who is available online.