Chargent Support Center Error Code 54

This error code from means the transaction does not meet the criteria for issuing a credit.  This could be for several reasons.  If it's an ACH refund test in your Sandbox then it could be that the ACH transaction is simulated and not a real transaction.  

If you are trying to apply a refund or partial refund from your Production Org it could be one of the following:
  • The transaction hasn't yet settled and needs to be voided.  
  • The transaction has settled more than 120 days ago. suggests that you consider applying for Expanded Credit-Return Capabilities if the merchant needs to refund transactions older than 120 days.

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