TSYS (Total Systems Services, Inc.) is one of the largest payment platforms in the world. Pushing over 32 billion credit and debit card transactions in 2018, they are a secure processing choice for both payment card issuers and financial institutions alike. Being a prominent player in the payment space, many merchants process their payments via TSYS and not necessarily know it. Fewer still understand how TSYS operates and what role it plays in the electronic card payment flow.

While there are many important facets to TSYS, today we will breakdown the decline and error codes and what those codes mean.

A Quick TSYS Rundown

TSYS has its’ beginning in 1959. However, it wasn’t until 1983 that it became an independent business entity. This makes TSYS the oldest and largest processor available today. The company serves over 650,000 merchants and is the 6th largest acquirer within the United States today. Most recently, Global Payments acquired TSYS in a $21.5 billion all-stock deal.

For our purposes, we will define TSYS as a backend credit card processing processor. Meaning they provide credit card processing for non-acquiring banks and ISOs that sell merchant services. In this capacity, a merchant works directly with a third party company to develop and manage their payment solution. Given how large TSYS is, this ensures you build a personal relationship with your payment partner, such as Payment Savvy, and always have someone to reach out to directly when questions arise.

TSYS Error Codes

Now that we understand how TSYS plays a role in the processing of your payments, let’s get to reason why you’re here – TSYS error codes. An error or decline code transmits back to the merchant when a transaction attempt fails. These codes help determine the exact reason for the decline. The below list highlights the main codes you may see as a merchant and we hope you find it helpful.

  • Response Code 03 – Merchant ID Not Valid
  • Response Code 04 – Pick up card (Not Fraudulent)
  • Response Code 05 – Do Not Honor
  • Response Code 06 – General error
  • Response Code 07 – Pick up card (Fraudulent Activity)
  • Response Code 13 – Invalid amount
  • Response Code 14 – Invalid card number
  • Response Code 41 -Lost card, pick up (Fraudulent Activity)
  • Response Code 43 – Stolen card, pick up (Fraudulent Activity)
  • Response Code 51 – Insufficient funds
  • Response Code 54 – Expired card
  • Response Code 55 – Incorrect PIN
  • Response Code 57 – Transaction Not Permitted (Card Issuer)
  • Response Code 58 – Transaction Not Permitted (Acquirer)
  • Response Code 62 – Invalid service code (MCC Restriction)
  • Response Code 91 – Issuer not unavailable
  • Response Code 96 – System malfunction

While the above list is not all-inclusive, it does provide a rundown of the majority of declines seen daily. If you have questions about credit card and debit card processing, feel free to reach out to us. We would be happy to answer any questions, create a custom payment solution for your business, or create a no-hassle savings analysis of your current payment service.