附 录 A(规范性附录)
对应答码的处理
交易返回POS终端时都有39 域,POS终端和终端操作员根据应答码要采取相应的操作,可以把操作分为以下几类:
A:交易成功
B:交易失败,可重试
C:交易失败,不需要重试
D:交易失败, 终端操作员处理
E:交易失败,系统故障,不需要重试
注 1:如果 39 域的内容不能在下表中找到,就显示“交易失败”
注 2:如果POS交易的批次号和网络中心批次号不一致时应答码会填 “77”,此时POS机应当提示操作员重新签到,再作交易。
注 代码45基本是芯片卡或者发卡行限制。不能降级刷(一般都是农行卡,农行卡对此POS机有限制)
表 C.1 应答码表
代码 |
意义 |
类别 |
原因/采取的措施 |
POS显示的内容 |
00 |
承兑或交易成功 |
A |
承兑或交易成功 |
交易成功 |
01 |
查发卡行 |
C |
查发卡行 |
交易失败,请联系发卡行 |
02 |
查发卡行的特殊条件 |
C |
可电话向发卡行查询 |
交易失败,请联系发卡行 |
03 |
无效商户 |
C |
商户需要在银行或中心登记 |
商户未登记 |
04 |
没收卡 |
D |
操作员没收卡 |
没收卡,请联系收单行 |
05 |
不予承兑 |
C |
发卡不予承兑 |
交易失败,请联系发卡行
及时到账商户、可能是额度到了 |
06 |
出错 |
E |
发卡行故障 |
交易失败,请联系发卡行 |
07 |
特殊条件下没收卡 |
D |
特殊条件下没收卡 |
没收卡,请联系收单行 |
09 |
请求正在处理中 |
B |
重新提交交易请求 |
交易失败,请重试 |
12 |
无效交易 |
C |
发卡行不支持的交易 |
交易失败,请重试 |
13 |
无效金额 |
B |
金额为0 或太大 |
交易金额超限,请重试 |
14 |
无效卡号 |
B |
卡种未在中心登记或读卡号有误 |
无效卡号,请联系发卡行 |
15 |
无此发卡行 |
C |
此发卡行未与中心开通业务 |
此卡不能受理 |
19 |
重新送入交易 |
C |
刷卡读取数据有误,可重新刷卡 |
交易失败,请联系发卡行 |
20 |
无效应答 |
C |
无效应答 |
交易失败,请联系发卡行 |
21 |
不做任何处理 |
C |
不做任何处理 |
交易失败,请联系发卡行 |
22 |
怀疑操作有误 |
C |
POS状态与中心不符,可重新签到 |
操作有误,请重试 |
23 |
不可接受的交易费 |
C |
不可接受的交易费 |
交易失败,请联系发卡行 |
25 |
未能找到文件上记录 |
C |
发卡行未能找到有关记录 |
交易失败,请联系发卡行 |
30 |
格式错误 |
C |
格式错误 |
交易失败,请重试 |
31 |
银联不支持的银行 |
C |
此发卡方未与中心开通业务 |
此卡不能受理 |
33 |
过期的卡 |
D |
过期的卡,操作员可以没收 |
过期卡,请联系发卡行 |
34 |
有作弊嫌疑 |
D |
有作弊嫌疑的卡,操作员可以没收 |
没收卡,请联系收单行 |
35 |
受卡方与安全保密部门联系 |
D |
有作弊嫌疑的卡,操作员可以没收 |
没收卡,请联系收单行 |
36 |
受限制的卡 |
D |
有作弊嫌疑的卡,操作员可以没收 |
此卡有误,请换卡重试 |
37 |
受卡方呼受理方安全保密部门(没收卡) |
D |
有作弊嫌疑的卡,操作员可以没收 |
没收卡,请联系收单行 |
38 |
超过允许的PIN试输入 |
D |
密码错次数超限,操作员可以没收 |
密码错误次数超限 |
39 |
无此信用卡账户 |
C |
可能刷卡操作有误 |
交易失败,请联系发卡行 |
40 |
请求的功能尚不支持 |
C |
发卡行不支持的交易类型 |
交易失败,请联系发卡行 |
41 |
丢失卡 |
D |
挂失的卡, 操作员可以没收 |
没收卡,请联系收单行 |
42 |
无此账户 |
B |
发卡行找不到此账户 |
交易失败,请联系发卡方 |
43 |
被窃卡 |
D |
被窃卡, 操作员可以没收 |
没收卡,请联系收单行 |
44 |
无此投资账户 |
C |
可能刷卡操作有误 |
交易失败,请联系发卡行 |
51 |
无足够的存款 |
C |
账户内余额不足 |
余额不足,请查询 |
52 |
无此支票账户 |
C |
无此支票账户 |
交易失败,请联系发卡行 |
53 |
无此储蓄卡账户 |
C |
无此储蓄卡账户 |
交易失败,请联系发卡行 |
54 |
过期的卡 |
C |
过期的卡 |
过期卡,请联系发卡行 |
55 |
不正确的PIN |
C |
密码输错 |
密码错,请重试 |
56 |
无此卡记录 |
C |
发卡行找不到此账户 |
交易失败,请联系发卡行 |
57 |
不允许持卡人进行的交易 |
C |
不允许持卡人进行的交易 |
交易失败,请联系发卡行 |
58 |
不允许终端进行的交易 |
C |
该商户不允许进行的交易 |
终端无效,请联系收单行或银联 |
59 |
有作弊嫌疑 |
C |
|
交易失败,请联系发卡行 |
60 |
受卡方与安全保密部门联系 |
C |
|
交易失败,请联系发卡行 |
61 |
超出取款金额限制 |
C |
一次交易的金额太大 |
金额太大 |
62 |
受限制的卡 |
C |
|
交易失败,请联系发卡行 |
63 |
违反安全保密规定 |
C |
违反安全保密规定 |
交易失败,请联系发卡行 |
64 |
原始金额不正确 |
C |
原始金额不正确 |
交易失败,请联系发卡行 |
65 |
超出取款次数限制 |
C |
超出取款次数限制 |
超出取款次数限制 |
66 |
受卡方呼受理方安全保密部门 |
C |
受卡方呼受理方安全保密部门 |
交易失败,请联系收单行或银联 |
67 |
捕捉(没收卡) |
C |
捕捉(没收卡) |
没收卡 |
68 |
收到的回答太迟 |
C |
发卡行规定时间内没有回答 |
交易超时,请重试 |
75 |
允许的输入PIN次数超限 |
C |
允许的输入PIN次数超限 |
密码错误次数超限 |
77 |
需要向网络中心签到 |
D |
POS批次与网络中心不一致 |
请向网络中心签到 |
79 |
脱机交易对账不平 |
C |
POS终端上传的脱机数据对账不平 |
POS终端重传脱机数据 |
90 |
日期切换正在处理 |
C |
日期切换正在处理 |
交易失败,请稍后重试 |
91 |
发卡行或银联不能操作 |
C |
电话查询发卡方或银联,可重作 |
交易失败,请稍后重试 |
92 |
金融机构或中间网络设施找不到或无法达到 |
C |
电话查询发卡方或网络中心,可重作 |
交易失败,请稍后重试 |
93 |
交易违法、不能完成 |
C |
交易违法、不能完成 |
交易失败,请联系发卡行 |
94 |
重复交易 |
C |
查询网络中心,可重新签到作交易 |
交易失败,请稍后重试 |
95 |
调节控制错 |
C |
调节控制错 |
交易失败,请稍后重试 |
96 |
系统异常、失效 |
C |
发卡方或网络中心出现故障 |
交易失败,请稍后重试 |
97 |
POS终端号找不到 |
D |
终端未在中心或银行登记 |
终端未登记,请联系收单行或银联 |
98 |
银联收不到发卡行应答 |
E |
银联收不到发卡行应答 |
交易超时,请重试 |
99 |
PIN格式错 |
B |
可重新签到作交易 |
校验错,请重新签到 |
A0 |
MAC校验错 |
B |
可重新签到作交易 |
校验错,请重新签到 |
'0'*256+'0'," 交易成功 "," ",
'0'*256+'1'," 交易失败 ","01 请联系发卡行 ",
'0'*256+'2'," 交易失败 ","02 请联系发卡行 ",
'0'*256+'3'," 交易失败 ","03 商户未登记 ",
'0'*256+'4',"交易失败, 没收卡","04 请联系收单行 ",
'0'*256+'5'," 交易失败 ","05 请联系发卡行 ",
'0'*256+'6'," 交易失败 ","06 请联系发卡行 ",
'0'*256+'7',"交易失败, 没收卡","07 请联系收单行 ",
'0'*256+'9'," 交易失败 ","09 请 重 试 ",
'1'*256+'2'," 交易失败 ","12 请 重 试 ",//10
'1'*256+'3',"交易失败, 交易金","13 额超限,请重试",
'1'*256+'4'," 无效卡号 ","14 请联系发卡行 ",
'1'*256+'5'," 交易失败 ","15 此卡不能受理 ",
'1'*256+'9'," 交易失败 ","19 请联系发卡行 ",
'2'*256+'0'," 交易失败 ","20 请联系发卡行 ",
'2'*256+'1'," 交易失败 ","21 请联系发卡行 ",
'2'*256+'2'," 交易失败 ","22操作有误请重试",
'2'*256+'3'," 交易失败 ","23 请联系发卡行 ",
'2'*256+'5'," 交易失败 ","25 请联系发卡行 ",
'3'*256+'0'," 交易失败 ","30 请 重 试 ",//20
'3'*256+'1'," 交易失败 ","31 此卡不能受理 ",
'3'*256+'3',"交易失败, 过期卡","33 请联系发卡行 ",
'3'*256+'4',"交易失败, 没收卡","34 请联系收单行 ",
'3'*256+'5',"交易失败, 没收卡","35 请联系收单行 ",
'3'*256+'6'," 此卡有误 ","36 请换卡重试 ",
'3'*256+'7',"交易失败, 没收卡","37 请联系收单行 ",
'3'*256+'8'," 交易失败 38","密码错误次数超限",
'3'*256+'9'," 交易失败 ","39 请联系发卡行 ",
'4'*256+'0'," 交易失败 ","40 请联系发卡行 ",
'4'*256+'1',"交易失败, 没收卡","41 请联系收单行 ",//30
'4'*256+'2'," 交易失败 ","42 请联系发卡方 ",
'4'*256+'3',"交易失败, 没收卡","43 请联系收单行 ",
'4'*256+'4'," 交易失败 ","44 请联系发卡行 ",
'5'*256+'1'," 交易失败 ","51余额不足请查询",
'5'*256+'2'," 交易失败 ","52 请联系发卡行 ",
'5'*256+'3'," 交易失败 ","53 请联系发卡行 ",
'5'*256+'4',"交易失败, 过期卡","54 请联系发卡行 ",
'5'*256+'5'," 交易失败 ","55 密码错,请重试",
'5'*256+'6'," 交易失败 ","56 请联系发卡行 ",
'5'*256+'7'," 交易失败 ","57 请联系发卡行 ",//40
'5'*256+'8',"终端无效, 请联系","58 收单行或银联 ",
'5'*256+'9'," 交易失败 ","59 请联系发卡行 ",
'6'*256+'0'," 交易失败 ","60 请联系发卡行 ",
'6'*256+'1'," 交易失败 ","61 金额太大 ",
'6'*256+'2'," 交易失败 ","62 请联系发卡行 ",
'6'*256+'3'," 交易失败 ","63 请联系发卡行 ",
'6'*256+'4'," 交易失败 ","64 请联系发卡行 ",
'6'*256+'5'," 交易失败 65","超出取款次数限制",
'6'*256+'6',"交易失败, 请联系","66 收单行或银联 ",
'6'*256+'7'," 交易失败 ","67 没收卡 ",//50
'6'*256+'8'," 交易失败 ","68交易超时请重试",
'7'*256+'5'," 交易失败 75","密码错误次数超限",
'7'*256+'6',"请向网络中心签到"," ",
'7'*256+'7'," 交易失败 77","请向网络中心签到",
'7'*256+'9'," 交易失败 79POS","终端重传脱机数据",
'9'*256+'0'," 交易失败 ","90 请稍后重试 ",
'9'*256+'1'," 交易失败 ","91 请稍后重试 ",
'9'*256+'2'," 交易失败 ","92 请稍后重试 ",
'9'*256+'3'," 交易失败 ","93 请联系发卡行 ",
'9'*256+'4'," 交易失败 ","94 请稍后重试 ",//60
'9'*256+'5'," 交易失败 ","95 请稍后重试 ",
'9'*256+'6'," 交易失败 ","96 请稍后重试 ",
'9'*256+'7',"终端未登记请联系","97 收单行或银联 ",
'9'*256+'8'," 交易失败 ","98交易超时请重试",
'9'*256+'9'," 校验错 ","99 请重新签到 ",
'A'*256+'0'," 校验错 ","A0 请重新签到 ",
'T'*256+'A'," 接 受 ","TRANS. ACCEPTED ",
'A'*256+'P',"授权号码 ","APPV CODE ",
'I'*256+'P'," 处理码不符 "," 请重试 - IP ",
'I'*256+'R'," 交易类型不符 "," 请重试 - IR ",//70
'I'*256+'S'," 交易流水号不符 "," 请重试 - IS ",
'I'*256+'T'," 终端号不符 "," 请重试 - IT ",
'I'*256+'M'," 商户号不符 "," 请重试 - IM ",
'I'*256+'K',"资料错误,请重试 ","KEY PARITY ERROR",
'C'*256+'N'," 操 作 取 消 ","TRANS. CANCELLED",
'L'*256+'C',"通讯故障,请重试 ","PLS TRY AGAIN-LC",
'N'*256+'C'," 中心忙 "," 请稍后重试 ",//modi wuhua
'T'*256+'O'," 交易失败 ","通讯故障,请重试 ",
'B'*256+'E'," 机 座 故 障 "," BASE ERROR ",
'E'*256+'C'," 收银机通讯故障 ","ECR COMM. ERROR ",//80
'R'*256+'T'," 没 放 回 机 座 "," RETURN TIMEOUT ",
'O'*256+'T'," 操 作 取 消 "," INPUT TIMEOUT ",
'O'*256+'L'," 输入金额无效 "," 超小费额度 ",
'P'*256+'F'," 密码重按过限额 ","INVALID PASSWORD",
'O'*256+'C'," 操 作 完 成 "," OPER COMPLETED ",
'N'*256+'A'," 此卡不能授权 ","AUTH NOT ALLOWED",
'N'*256+'B'," 此卡不能查余 ","NO BALANCE CHECK",
'N'*256+'J'," 此交易不能调整 "," NO ADJUSTMENT ",
'N'*256+'M'," 此卡不能按入 ","NO MANUAL ENTRY ",
'N'*256+'O'," 不能离线操作 ","NO OFFLINE ENTRY",//90
'N'*256+'R'," 此卡不能退款 "," NO REFUND ",
'N'*256+'S'," 此卡不能消费 ","SALE NOT ALLOWED",
'N'*256+'V'," 此交易不能取消 ","VOID NOT ALLOWED",
'N'*256+'T'," 无 交 易 记 录 ","NO TRANS. RECORD",
'C'*256+'B'," 请先执行结算 ","PLS SETTLE BATCH",
'V'*256+'D'," 交 易 已 取 消 "," TRANS. VOIDED ",
'W'*256+'C'," 卡 帐 户 不 符 "," INCORRECT CARD ",
'N'*256+'E'," 不能使用此交易 "," NOT ALLOWED ",
'M'*256+'E',"MAC校验错,请重试"," MAC MISMATCH ",
'K'*256+'E',"资料错误,请重试 ","KEY PARITY ERROR",//100
'D'*256+'E',"资料错误,请重试 "," DATA ERROR ",
'T'*256+'M'," 核 对 无 误 "," TOTAL MATCH ",
'H'*256+'N'," 无 此 收 单 行 "," HOST NOT FOUND ",
'I'*256+'A'," 金额不符 "," 请重试 - IA ",
'I'*256+'C'," 商户号不符 "," 请重试 - IC ",
'I'*256+'B'," 批次号不符 "," 请重试 - IB ",
'E'*256+'R'," 原交易不存在 "," ",
'A'*256+'D'," 交 易 已 调 整 ","TRANS. ADJUSTED ",
'B'*256+'C'," 交 易 失 败 "," NOT BLACK CARD ",
'L'*256+'F'," 签 退 成 功 ","LOGOFF. ACCEPTED",//110
'L'*256+'G'," 签 到 成 功 ","LOGON. ACCEPTED",
'S'*256+'T'," 结 算 成 功 "," SETTLE ACCEPTED",
'W'*256+'W'," 无 此 功 能 "," NO FUNCTION ",
'L'*256+'O'," 通讯失败 "," 电话占线 ",//modi wuhua
'L'*256+'N',"LN80 ","PLS TRY AGAIN-NC",//add wuhua
'H'*256+'O',"HO83 ","PLS TRY AGAIN-NC",//add wuhua
'N'*256+'L'," 通讯失败 "," 请接电话线 ",//modi wuhua
'A'*256+'J'," 调整成功 "," ",//add wuhua
'S'*256+'N',"TCP 端口打开失败"," 请2分钟后重试! ",//add Kendy
'N'*256+'N',"信号值太弱... ","通讯故障,请重试 ",//120
'*'*256+'*'," 交易失败 "," "