发卡行错误码
当卡交易被发卡行拒绝时，PayerMax会通过卡组织网络接收到特定的响应代码以及拒绝原因。我们将这些发卡行拒绝码、潜在的拒绝原因解释以及建议的后续处理步骤提供给您，便于您能快速理解为什么支付失败，以及后续的处理措施有哪些。
其中发卡行错误码、错误描述将在支付失败后通过issuerResponseCode、issuerResponseMsg返回给您，若你希望在API响应中获取到该响应，请联系PayerMax技术支持为您提供集成指引。
注意：
尽管我们提供了最详尽的可用信息，但出于发卡行以及PayerMax的隐私和安全政策，某些拒绝原因可能不会被完全公开。如果在您接收到来自发卡行的错误码及错误描述时，您仍然不知道交易被拒的真实原因，通常情况下，建议持卡人联系其发卡行进一步咨询。
| 发卡行错误码 | 发卡行错误消息 | 描述 | 备注 |
| 01 | Contact card issuer | The transaction was declined by the card issuer. The cardholder should contact their issuer for clarification. The cardholder can try again after resolving the issue with their issuer, or use another payment method. | 交易被发卡行拒绝。持卡人应联系其发卡行获取详细说明。持卡人可在与发卡行解决问题后重新尝试，或使用其他支付方式。 |
| 03 | Invalid merchant | The transaction was declined by the card issuer. The cardholder should contact their issuer for clarification. The cardholder can try again after resolving the issue with their issuer, or use another payment method. | 交易被发卡行拒绝。持卡人应联系其发卡行获取详细说明。持卡人可在与发卡行解决问题后重新尝试，或使用其他支付方式。 |
| 04 | Pick up card | The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This decline code is mostly used in card-present environments, but can sometimes be returned for card-not-present transactions as well. | 发卡行要求扣留卡片。可能原因包括卡片涉嫌伪造或被盗。此拒绝代码主要用于持卡人在场的交易场景，但有时也可能用于持卡人不在场的交易。 |
| 05 | Do not honour | This is a generic decline code which can have several possible causes. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method. | 此为通用拒绝代码，可能存在多种原因。建议持卡人联系其发卡行了解具体原因，或尝试使用其他支付方式。 |
| 06 | Try another card | Payment processing was not successful due to an error. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method. | 因错误导致支付处理失败。建议持卡人联系其发卡行进一步了解具体原因，或尝试使用其他支付方式。 |
| 07 | Pick up card, special condition (fraud account) | Payment has been declined as the card is suspected to be counterfeit or stolen. | 支付被拒绝，因该卡片涉嫌伪造或被盗。 |
| 12 | Invalid transaction | The card issuer does not allow this type of transaction on this card/account. For example, an international transaction is not allowed on a debit card. Cardholder should get in touch with issuing bank to understand the reason or try with a different payment method. | 发卡行不允许此卡片/账户进行此类交易。例如，借记卡可能不允许进行国际交易。持卡人应联系发卡行了解原因，或尝试使用其他支付方式。 |
| 13 | Invalid amount | The card issuer has declined the transaction due to format or an amount field error. This response usually occurs with Cirrus or Maestro debit and prepaid cards or cards that are not allowed to do online purchases. The cardholder should try with a different payment method. | 因格式错误或金额字段错误，发卡行拒绝交易。此响应通常出现在Cirrus或Maestro借记卡、预付卡，或不允许进行在线购物的卡片上。持卡人应尝试使用其他支付方式。 |
| 14 | Invalid card number | The card issuer is unable to validate the card/account number. The cardholder should check if the entered number is correct or get in touch with their issuer to resolve the problem or try with a different payment method. | 发卡行无法验证卡片/账号。持卡人应检查所输入的卡号是否正确，或联系其发卡行解决问题，或尝试使用其他支付方式。 |
| 15 | No such issuer | The card number is not within a card number range supported by the scheme.The cardholder should check if the entered number is correct or try with a different payment method. | 卡号不在卡组织支持的卡BIN范围内。持卡人应检查所输入的卡号信息是否正确，或尝试使用其他支付方式。 |
| 19 | Re-enter transaction | There was a temporary problem with processing, it is recommended to retry the transaction. | 交易处理出现临时问题，建议重新尝试交易。 |
| 30 | Format error | The card issuer does not recognize the transaction details being entered. This is due to a format error. The cardholder should check the transaction details for invalid characters and try again. | 格式错误，发卡行无法识别所输入的交易详情。持卡人应检查交易详情中是否存在无效字符，然后重新尝试。 |
| 39 | No credit account | There is no active credit account linked to card, the cardholder should get in touch with the issuer to fix the problem or try with a different payment method. | 该卡片未关联有效的信用卡账户。持卡人应联系发卡行解决此问题，或尝试使用其他支付方式。 |
| 41 | Lost card | The card was reported as lost, the cardholder should be validated for authenticity and be referred to their issuer. | 该卡片已挂失。持卡人应验证身份真实性，并联系发卡行解决。 |
| 43 | Stolen card | The card was reported as stolen, the cardholder should be validated for authenticity and be referred to their issuer. | 该卡片已报失被盗。持卡人应验证身份真实性，并联系发卡行解决。 |
| 46 | Closed account | The card issuer has closed the account, the cardholder should verify if entered card details are correct and should not retry with the same card number. | 发卡行已注销该账户。持卡人应核实所输入的卡片详情是否正确，且不应使用同一卡号重新尝试。 |
| 51 | Insufficient funds/over credit limit | Insufficient funds in the cardholder's account. The cardholder can try again after adding funds to their bank account, or use another payment method. | 持卡人账户余额不足。持卡人可在向其银行账户充值后重新尝试，或使用其他支付方式。 |
| 52 | No checking account | There is no active checking account linked to card, the cardholder should get in touch with the issuer to fix the problem or try with a different payment method. | 该卡片未关联有效的支票账户。持卡人应联系发卡行解决此问题，或尝试使用其他支付方式。 |
| 53 | No savings account | There is no active savings account linked to card, the cardholder should get in touch with the issuer to fix the problem or try with a different payment method. | 该卡片未关联有效的储蓄账户。持卡人应联系发卡行解决此问题，或尝试使用其他支付方式。 |
| 54 | Expired card | The card expiration date is in the past. The cardholder should correct the date or use another payment method. | 卡片已过期。持卡人应更正有效期信息，或使用其他支付方式。 |
| 55 | Invalid PIN | The cardholder has entered an incorrect PIN. The cardholder should re-enter their PIN or use another payment method. | 持卡人输入的PIN码不正确。持卡人应重新输入PIN码，或使用其他支付方式。 |
| 57 | Transaction not permitted to issuer/cardholder | The card issuer does not permit the transaction on this card/account. Ex: Digital wallet top up using prepaid cards. The shopper can use another payment method. | 发卡行不允许此卡片/账户进行此类交易。例如，使用预付卡为数字钱包充值。持卡人可使用其他支付方式。 |
| 58 | Transaction not permitted to acquirer/terminal | The card issuer does not permit the transaction on this card/account. Cardholder can use another payment method or contact their bank. | 发卡行不允许此卡片/账户进行此类交易。持卡人可使用其他支付方式或联系发卡行进一步咨询。 |
| 59 | Suspected fraud | The card issuer has declined the transaction due to suspicion of fraud, the cardholder should try with a different payment method. | 因涉嫌欺诈，发卡行拒绝该交易。持卡人应尝试使用其他支付方式。 |
| 61 | Exceeds withdrawal amount limit | The cardholder has exceeded their card limit. The cardholder can try again after resolving the issue with their bank, or use another payment method. | 交易金额超出限制。持卡人应联系其发卡行了解具体限额，或调整交易金额后重新尝试。 |
| 62 | Restricted card | The card issuer has restricted the card, this could be due to their risk policy or due to the cardholder being delinquent. The cardholder should retry with a different payment method. | 发卡行已限制该卡片使用，可能原因包括其风险政策要求或持卡人存在逾期未还款情况。持卡人应选择其他支付方式重试。 |
| 63 | Security violation | The card issuer indicated a security issue with this card, the cardholder can try with another payment method. Alternatively, the cardholder can try again after they resolved the issue with their bank. | 发卡行提示该卡片存在安全问题，持卡人可选择其他支付方式重试，或在与发卡行解决问题后，再次尝试使用该卡片。 |
| 65 | Exceeds withdrawal count limit | The cardholder has exceeded their card usage frequency limit. The cardholder can use another payment method or try again with the same card after the cardholder took care of the card limit issue. | 持卡人已超出卡片使用频次限制。持卡人可选择其他支付方式，或在处理完卡片限额问题后，使用原卡片重试。 |
| 65 | Authentication requested | Transaction has been soft-declined by the card issuer requesting additional authentication. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. | 发卡行对该交易发起 “要求补充认证的软拒绝”。若该交易属于PSD2监管范围且未完成 3DS 认证，需通过 3DS 认证后重试。 |
| 72 | Account not yet activated | The card issuer has not completely activated & unblocked the new card, please reach out to your card issuer. | 新卡片尚未完成激活及解除限制流程，请联系您的发卡行处理。 |
| 75 | Allowable number of PIN tries exceeded | The cardholder has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should try again or use another payment method. | 持卡人输入的 PIN 码错误次数已超出发卡行允许的上限。持卡人可重试（若仍有机会）或选择其他支付方式。 |
| 78 | Blocked, first used-transaction from new cardholder | The card issuer has not completely activated & unblocked the new card, please reach out to your card issuer. | 新卡片尚未完成激活及解除限制流程，请联系您的发卡行处理。 |
| 78 | Invalid/nonexistent account specified (general) | The card issuer has not completely activated & unblocked the new card, please reach out to your card issuer. | 新卡片尚未完成激活及解除限制流程，请联系您的发卡行处理。 |
| 79 | Lifecycle reasons | The transaction is refused due to invalid card data. This code is a general indicator that may cover various card lifecycle events, such as card expiration, account closure, product upgrade, or Issuer-side Restrictions (e.g., exceeding credit limits or temporary holds). Please reach out to your card issuer for specific reason or use another payment method. | 交易因银行卡信息无效被拒绝。此拒绝码为通用的，可能涵盖多种卡片生命周期相关场景，例如卡片过期、账户注销、产品升级，或发卡行侧限制（如超出信用额度、临时冻结等）。请联系发卡行确认具体原因，或选择其他支付方式。 |
| 80 | Credit issuer unavailable | The issuing bank cannot be contacted. The cardholder should try again or use another payment method. | 发卡行暂时无法连接。持卡人应重试或选择其他支付方式。 |
| 82 | Consumer non-reloadable prepaid card | Card issuer may not support this type of non-reloadable prepaid card transaction. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method. | 发卡行可能不支持此类 “不可充值预付卡” 交易。建议持卡人联系发卡行了解原因，或选择其他支付方式重试。 |
| 82 | Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted | The cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions. | 持卡人在场交易中，CAM、动态安全码（dCVV）、芯片安全码（iCVV）、安全码（CVV）或服务码的验证未通过。 |
| 82 | Policy reasons | The transaction is refused due to a policy reason. The cardholder is recommended to get in touch with their issuer to understand the reason or try with a different payment method. | 交易因发卡行政策原因被拒绝。建议持卡人联系发卡行了解原因，或选择其他支付方式重试。 |
| 83 | Fraud/Security related reasons | The transaction is declined by the card issuer for suspicion of fraud. The cardholder is recommended to try with a different payment method. | 因存在欺诈风险被发卡行拒绝该交易。建议持卡人选择其他支付方式重试。 |
| 83 | Lost/Stolen Card | The card was reported as stolen or lost, the cardholder should be validated for authenticity and be referred to their issuer. | 该卡片已被报失或失窃，需先验证持卡人身份真实性，并引导其联系发卡行处理。 |
| 91 | Authorization System or issuer system inoperative | The issuing bank cannot be contacted. The cardholder should try again or use another payment method. | 发卡行暂时无法连接。持卡人应重试或选择其他支付方式。 |
| 91 | Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) | The issuer or issuer processor cannot authorize, for example because of downtime. The cardholder should try again later or use another payment method. | 发卡行或processor无法完成授权（例如系统故障）。持卡人应稍后重试或选择其他支付方式。 |
| 92 | Destination cannot be found for routing / Unable to route transaction | The cardholder may have entered an incorrect / test card number as there is no valid route found with entered card number, please verify card details and try again. | 持卡人可能输入了错误卡号或测试卡号，未匹配到有效路由信息。请核实卡号信息后重试。 |
| 93 | Transaction cannot be completed, violation of law | The issuing bank will not allow this transaction. The cardholder should use another payment method. | 发卡行不允许此笔交易。持卡人应选择其他支付方式。 |
| 96 | System malfunction | The issuing bank cannot be contacted. The cardholder should try again or use another payment method. | 发卡行暂时无法连接。持卡人应重试或选择其他支付方式。 |
| N7 | Decline for CVV2 failure | The card issuer was unable to validate CVV2 or there was an error in validating it, the cardholder should try with a different payment method. | 发卡行未能验证安全码（CVV2）或验证过程中出现错误，持卡人应选择其他支付方式重试。 |
| 5C | Transaction not supported / blocked by issuer | The card issuer doesn't support or has blocked the transaction, the cardholder should contact their issuing bank or try with a different payment method. | 发卡行不支持此交易或已拦截该交易，持卡人应联系发卡行，或选择其他支付方式重试。 |
| 6P | Customer ID verification failed | Identity verification has failed during completion of a Visa direct transaction, the cardholder should validate their details and try again. This failure is not related to card details like CVV2/CVC2. | 身份验证未通过。持卡人应核实个人信息后重试，此失败与安全码 CVV2/CVC2 等卡片信息无关。 |
| 9G | Blocked by cardholder / contact cardholder | The cardholder has placed a block on this card, please reach out to the cardholder to try with a different payment method. | 持卡人已对该卡片设置冻结，需持卡人联系发卡行解冻或选择其他支付方式。 |
| R0 | Stop Payment Order | The cardholder requested to stop a specific, single recurring payment transaction. The cardholder should be contacted regarding cancellation of this transaction. | 持卡人已申请终止某一特定的单笔定期付款交易。持卡人将被联系确认该笔交易的取消事宜。 |
| R1 | Revocation of Authorization Order | The cardholder requested to stop all recurring payment transactions related to this order. The cardholder should be contacted regarding cancellation of this order. | 持卡人已申请终止与该订单相关的所有定期付款交易。持卡人将被联系确认该笔交易的取消事宜。 |
| R3 | Revocation of All Authorizations Order | All recurring payments have been canceled for the card number. The cardholder should be contacted regarding cancellation of all transactions. | 该卡号对应的所有定期付款交易均已取消。持卡人将被联系确认该笔交易的取消事宜。 |