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["Table 1"]
["Txn Error Codes","Question","Answer"]
["00","I receive response code 00. What does it mean and what can I do to resolve it?","Successful transaction"]
["01","I receive response code 01. What does it mean and what can I do to resolve it?","Result pending - incomplete\nWe are waiting for confirmation from Acquirer\nThe system will manage this state, it is transient only. \nA transaction will timeout: 5 minutes for WeChat, 15 minutes for UPOP, we will wait a further minute and then query the Acquirer to determine the final state of the transaction. Which will most likely be abandoned. \nWe do not receive asynchronous notifications from the Acquirer for failed transactions, only successful ones. \n\nThis means 99% of the time our queries result in declined/abandoned result codes. The other 1% is when a notification becomes lost, due the browser closure by the client. "]
["02","I receive response code 02. What does it mean and what can I do to resolve it?","Signature mismatch\nThis can be caused by a mismatch in the message authentication code (MAC) presented by the merchant and that generated by us. The MAC is calculated by performing an MD5 operation on the concatenation of the <OrderID, lowercase><MD5 of the merchant key><Amount><Currency> and optionally ,replyURL><backofficeURL>, as explained in the documentation.\n\nThis should never occur in production, as the algorithm will have been validated in the testing environment. If it does occur then either the testing was incomplete or the merchant key and that of our system is not the same. "]
["03","I receive response code 03. What does it mean and what can I do to resolve it?","Merchant Record not found\nThe merchantID in the payment request is not valid, or more likely is not Active.\n\nSolution: Mark the Merchant Active, using the portal."]
["04","I receive response code 04. What does it mean and what can I do to resolve it?","Client Record not found\nThe clientID, in the payment request, is not known to the system (for the requesting merchant).\n\nSolution: either perform an “Add Client” API call, or include the client details within the payment request (this will add the client at the time of the payment request, if it is not already in the system)."]
["05","I receive response code 05. What does it mean and what can I do to resolve it?","Duplicate Order Identifier\nThe merchant has presented the same orderID previously. OrderIDs must be unique, per MID. \n\nThis is either an issue on the merchant system, or the merchant system allows the client to refresh an order and not update the orderID, or press “Pay” multiple times, etc."]
["06","I receive response code 06. What does it mean and what can I do to resolve it?","Invalid or Missing Card Information\nNot used anymore."]
["07","I receive response code 07. What does it mean and what can I do to resolve it?","Unable to determine Gateway processor\nThis can be caused by:\n- your system is presenting the wrong txn currency to our system\n- most likely because of our risk processing rules which will trigger if the same client/customer does a number of successive transaction soon after each other, or the same amounts are used (even if from different customers) in quick succession (Only for weChat).\n- no Gateway(s) configured for this MID, that matches the currency on the MID.\n\nSolution: in the second case above, clients should be advised not to do round amounts (not $1000.00) and not the same random amounts each time and the frequency of transactions should be spread as well (if possible)\n"]
["08","I receive response code 08. What does it mean and what can I do to resolve it?","Missing or Invalid Input Parameters\nNot used anymore\n"]
["09","I receive response code 09. What does it mean and what can I do to resolve it?","Transaction Declined\nThis means the acquirer has declined the txn due to possible timeout, insufficient funds, personal limits exceeded, bad expiry date, bad CVC2, invalid code (sent to mobile) entered or other similar reasons\n\nSolution: contact client\n"]
["10","I receive response code 10. What does it mean and what can I do to resolve it?","Amount out of range - for this merchant\nThis means attempted transaction is outslde of agreed minimum and maximum limits between client and merchant or between merchant and ORP\n\nSolution: merchant to check contractually agreed limits and/or educate client"]
["11","I receive response code 11. What does it mean and what can I do to resolve it?","Transaction Abandoned\nThis means the client abandoned the transaction or was timed out by the browser or by the client's online banking site and can be due to many reasons:\n- client does not have debit/credit card at hand\n- it the first time the client's device was used to do a UPOP CNP Payment and client is put off by the prompt to 'upgrade security app' which is a specific plugin\n- client does not have the mobile phone that is registered for the card\n- client put off the seeing a merchant name that they where not expecting\nWe use multiple trading names, based on business rules, currently: \nUnionPay: “Asia Academy”, “EC Learning” and “Prestige Connections”\nWeChat: “Fluent Italian Academy” which will be labelled “Educational Services” and “Direct Participation” and ‘Prestige Connections” both of which will be labelled “Experience Services”\nThe merchant names above will appear on the client’s bank statements.\nBe aware, that these names will change as the One Road Payments needs, especially the WeChat merchant names. However the business descriptors will always be circumspect.\n- client is new to this payment solution and wants to compare USD/CNY exchange rate being charged against other solutions the merchant may be providing. Remember this is a USD/USD MID for UnionPay and HKD/HKD for wechat and in both cases the client is being debited in CNY at the official USD/CNY and HKD/CNY rates of UnionPay and Wechatpay respectively. The WeChat scan page displays the current WeChat exchange rate.\n- following from previous point, if the merchant is presenting the client with CNY instead of USD or HKD, then there will be a mismatch in the exchange rate initially seen by the client and the final exchange rate used to debit the client\n- the UnionPay UPOP payment page displays a security warning regarding prohibited transactions. This notification cannot be removed\n\nSolution: as client behaviour and indecision is the most likely cause to this error, client communication and education are the best way to improve success rates"]
["12","I receive response code 12. What does it mean and what can I do to resolve it?","Insufficient Funds\nThis means the client's transaction was declined by the aquirer or bank due to insufficient funds in their account or wallet.\n\nSolution: Client must contact bank"]
["13","I receive response code 13. What does it mean and what can I do to resolve it?","Transaction Abandoned\nThis is a transitory state. The transaction response has expired, however the acquirer has not yet supplied the details of why the transaction has failed. However, it has failed and we are waiting to determine the reason, on a more granular basis."]
["14","I receive response code 14. What does it mean and what can I do to resolve it?","Request in process\nNot used anymore"]
["15","I receive response code 15. What does it mean and what can I do to resolve it?","Currency not supported - for this merchant\nThis can be caused by merchant presenting a transaction currency that their MID is not configured to accept."]
["16","I receive response code 16. What does it mean and what can I do to resolve it?","Client black-listed\nThis can be caused by client who has been blacklisted on the ORP /My-gateway system attempting a transaction and being declined"]
["17","I receive response code 17. What does it mean and what can I do to resolve it?","Blocked due to risk score\nFuture use, not currently used."]