信用卡通道(3)支付失败码释义

2020-08-03

风控类

回码 说明 描述
200000 高风险拦截 Transaction reject(high risk)
201000 有欺诈嫌疑 Transaction reject(suspected fraud)
202000 过期卡 Transaction reject(expired card)
202001 挂失卡 Transaction reject(stolen or lost card)
203000 风控系统异常 Error on the risk system

银行类

返回码 说明 描述
300000 交易被拒绝(无效卡) Transaction declined (invalid card)
300001 交易被拒绝(无效校验码) Transaction declined (invalid CVV)
300002 交易被拒绝(有效期错误) Transaction declined (wrong expiry date)
300003 交易被拒绝(持卡人错误) Transaction declined (account holder not valid)
301001 交易被拒绝(参数格式错误) Transaction declined (format error)
301002 交易被拒绝(发卡行不予承兑) Transaction declined (Do not honor,Please contact the issuing bank to confirm the bank card payment limit)
301003 交易被拒绝(超出限额) Transaction declined (limit exceeded)
301004 交易被拒绝(尝试次数过多) Transaction declined (too many invalid tries)
301005 交易被拒绝(超出限制次数) Transaction declined (maximum transaction frequency exceeded)
301006 交易被拒绝(超出商家限额) Transaction declined (merchants limit exceeded)
301007 交易被拒绝(限制卡) Transaction declined (restricted card)
301008 交易被拒绝(过期卡) Transaction declined (expired card)
301009 交易被拒绝(当前卡被锁定或已被挂失) Transaction declined (card lost)
301010 交易被拒绝(个人识别号码不正确) Transaction declined (Incorrect personal identification number)
301011 交易被拒绝(持卡人 3DS 校验失败) Transaction declined (cardholder authentication verification failure)
301012 交易被拒绝(无效金额) Transaction declined (invalid amount)
301013 交易被拒绝(重复交易) Transaction declined (duplicate transaction)
301099 交易被拒绝(其他原因) Transaction declined (other reason)
302000 交易被拒绝(高风险交易) Transaction declined (High risk transaction)
303000 退款失败(可退款金额不足、原交易已取消或正在退款中) Refund failed(refund volume exceeded or tx reversed or invalid workflow)

3DS验证

返回码 说明 描述
400000 3DS 认证失败 Transaction failed (3DS validation failed)
400001 用户未开通 3DS 交易 Transaction failed(customer not participating in 3DSecure program)

系统错误

返回码 说明 描述
500000 内部网关异常 Error on the internal gateway
500001 内部网关异常(内部服务调用异常) Error on the internal gateway(invoke internal service error)
500002 内部网关异常(状态机异常) Error on the internal gateway(state machine error)
500003 内部网关异常(流程数据不存在) Error on the internal gateway(invalid workflow
500004 内部网关异常(流程已经终止) Error on the internal gateway(workflow was terminated)
500005 内部网关异常(3DS 交易异常) Error on the internal gateway(threeDSecure transaction error)
500006 内部网关异常(处理响应异常) Error on the internal gateway(analysis response error)
600000 外部系统异常 Error on the external system
600001 外部系统请求失败 Request the external gateway error
600002 外部系统响应超时 Received external gateway response timeout

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