How to determine why a transaction declined

Please Note: The Sage Virtual Terminal has been updated to a newer version that offers new features and functionality of the program. This article refers to the previous version. For instructions on using the new Sage Exchange Virtual Terminal, please visit: New Sage Exchange: Frequently Asked Questions.

How to determine why a transaction declined.

Description

How do I figure out why a transaction declined?

Resolution

All transactions processed in the Virtual Terminal return either an approval/authorization code or a decline code. To find a decline code, please follow the steps below. In most cases, you can reference the code against the decline code list found in this knowledgebase to determine a cause of the decline; however, some decline codes are intrinsically and/or intentionally vague.

Locate the declined transaction using the search options in the Reporting menu. Upon finding it, press the View option:

Scroll down to find the Transaction Code and Transaction Message:

This code can be referenced against the codes in this article Decline/Error Codes for all POS systems and applications  for more information on the decline:

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