In this article, we will cover how to troubleshoot the Sage error code 12, Issuing Bank Will Not Permit The Transaction.
Error number 12 is a common occurrence for business owners when they accept credit cards. Consider the following scenario: A customer hands you their credit card, you swipe it, and the machine displays the decline code 12. As you try to figure out why the machine reads invalid transaction, the customer becomes irritated and the queue of user waiting behind them becomes fretful.
A credit card transaction may fail for a number of different reasons. Understanding error codes and what they signify will assist you in troubleshooting the issue. Continue reading this article to find out what Error Code 12: Invalid Transaction means and how to fix it.
What is an Sage Error Code 12?
If you are experiencing an error code such as “12” when trying to process a transaction in Sage software, there is a chance that the issuing bank will not permit the transaction. There are numerous credit card error, hold, and decline codes, and each one has a definition to assist you in determining the primary reason for the decline. A list of all the decline codes is often provided by your payment processor or merchant service provider. It’s crucial to comprehend and be aware of what each one indicates in any circumstance.
Error codes enable you to identify the reasons why a payment failed so that you may assist your customer in resolving the problem. Some problem codes are more straightforward to fix than others and are more precise. Others can be a little hazy and may need outside assistance.
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Sage 50 Error Code 54
What Do You Understand with Error Code 12: Invalid Transaction?
When a credit card transaction is declined with Sage error code 12, the issuing bank will not permit the transaction. The bank responsible for issuing the customer’s credit card, or the issuing bank, is the source of the decline reason code 12. This indicates that the issuer is rejecting the payment transaction attempt for whatever reason, which results in an error code. You may receive an invalid transaction notification for a number of different reasons.
Reasons Behind the Occurrence of Sage Error Code 12: Invalid Transaction
The following are a few potential causes of the error:
If you receive code 12, it is important to try and contact the issuing bank as soon as possible. You can do this by calling their customer service number, sending them an email, or visiting their website.
❖ The card itself is invalid: It’s possible that the card was blocked or cancelled because of questionable activities.
❖ Multiple transactions in a row: Safety precautions will take effect if you attempt to run a card several times quickly after each other. These will stop trying to complete the transaction after a certain number of attempts in order to prevent fraud or multiple charges.
❖ Incorrect card number: Defective credit card number entry is the most frequent cause of a decline reason code of 12.
❖ Address verification service error: The system will detect that the zip code entered by the consumer is different from their address if they mistakenly entered the incorrect zip code. The terminal will issue an Sage error code 12 if the data is incompatible.
❖ Strange activity: Depending on the POS System, the system might not know how to respond if the merchant attempts a special request, such as refunding a refund, and display error code 12.
❖ Expiration date issues: It’s conceivable that after entering the card details, the cashier mistakenly typed the expiration date incorrectly. The card’s expiration date is another typical reason.
How to Resolve the Sage Error Code 12: Invalid Transaction?
Now that you are aware of what Sage Error Code 12 indicates, you can easily try to address each of the problems on the list. Additionally, you can print a list of error codes together with their causes, keeping it close at hand in case you get another code warning.
The below are the following steps to fix the Sage error code 12:
Total Time: 25 minutes
Step 1: First, Express Regret to the Customer.
Being polite goes a great way to making this process less frustrating for both sides, even if you’re pretty sure it’s their fault.
Step 2: Try Using the Card Once More.
Add two! In any event, this is usually the first thing people do, but just in case!
Step 3: Verify the Data a Second Time.
Read the security code, name, expiration date, and code several times slowly. If necessary, have your client say it again.
Step 4: Check the Zip Code Again in Step Four.
It’s likely that the consumer recently moved and entered the incorrect zip code unintentionally. If there is an other zip code possible, ask them respectfully.
Step 5: Make a Different Card Request
Find out if your consumer hates swapping cards for you if you can’t get the card to function.
Step 6: Request a Different Payment Method
To see if they can pay with cash or a check. Don’t just apologise if that’s not a possibility. Give them a more direct phone line or request to have their name taken. When they figure it out, you want to move them back to the head of the checkout line immediately because it’s likely they’ll need to phone their bank for assistance. Losing a significant sale to a rival due to a system flaw is the very last thing you want to happen.
If none of these problems exist and all card information is correct, there may be a more serious problem. Have the consumer get in touch with their issuing bank to rectify the issue in this scenario. You’ll need to request a different payment method from them in the interim.
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Conclusion
Chucking off the Sage Error Code 12: Invalid Transaction is possible with the steps discussed in this article. However, there can be circumstances when you might not able to rectify such error, in that case we would suggest you to connect with our Professionals and they will come up with the most effective solutions for you.
A Frequently Asked Questions ✍
Is Error Code 12: Invalid Transaction Related to Credit Cards Issue? What Exactly is Credit Card Decline Codes?
Yes, Sage Error Code 12 is familiar territory when accepting credit cards. Credit card decline codes is something while there are several credit card codes, such as error and hold codes, refused codes are the ones that most frequently signal a transaction won’t be successful. Numerous rejected codes can be used to indicate anything from an expired card to insufficient money.
Why it’s Critical to Understand Credit Card Codes?
It is crucial to comprehend issuer meaning and recognise codes since doing so enables you to safeguard both your clients and your company. Additionally, if people are utilising your organisation to conduct fraudulent activities, this could link it to unlawful activity and low standards.
A stolen credit card can cause significant problems for your business, just as card owners can ask for a chargeback on any erroneous payments. not to mention the possibility of attacks on your internet reputation. Not only can you run out of money as a result, but your merchant service provider might also close your merchant account. It’s critical to consider some credit card codes as a type of chargeback protection for your company.
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What are Different Error Codes that Might be Seen Related to Credit Card Decline Codes?
Error codes on your terminal are frustrating, but they don’t always indicate that a card has been denied. Many times, error codes show incorrect payment information, purchase amounts, or other inputs. Check the problem code to see what it means, then retry the payment without making the same Error.
Error code 00 – Issuer system unavailable
Error code 14 – Invalid card number
Error code 12 – Invalid transaction
Error code 58 – Transaction not permitted, terminal
Error code 15 – No such issuer
Error code 63 –Security violation
Error code 62 – Invalid service code, restricted
Error code 91 – Issuer or switch inoperative, etc.
