Paystack 绑卡失败原因映射关系
生产快照：2026-08-10 03:12:33；统计窗口：2026-08-06 00:00:00 至快照时点；Paystack 最终失败订单：1,050 笔，去重用户：441 名。优先复用 17-绑卡失败率优化与异常结果页 的既有枚举；若客户应看到不同原因或执行不同动作，则新增专用
failReason（标记“新增”）。仅status=success AND is_complete=1为绑卡成功；HTTP 200 或三方日志status=success不代表成功。
| 原始 Provider / 系统 message 或状态条件 | 生产失败订单数 | 标准 failReason | 来源 | 客户 Title / 英文文案 | 主动作 | 次动作 | 可自动打款 | 服务端 / 客服处理 |
|---|---|---|---|---|---|---|---|---|
Invalid card number | 337 | INVALID_CARD_INFO | 复用 | Invalid Card Details — Some card details are incorrect. Please check the card number, expiry date and CVV, then try again. | Retry | Use Another Card | 否 | 返回卡信息页；不应断言一定是卡号，也可能是有效期或 CVV。 |
plutus cancel | 171 | USER_CANCELLED | 新增 | Card Binding Cancelled — Card binding was cancelled. You can restart when you are ready. | Restart Binding | Back | 否 | 先核对取消来源；新发起必须使用新订单、新 reference。 |
Token Authentication Failed. Incorrect Token Supplied. | 106 | BIND_FAILED | 复用 | Failed — Card verification could not be completed. Please restart card binding. | Retry | Use Another Card | 否 | 旧鉴权会话不可复用；监控 Token 传递、会话与 Provider Token 服务。 |
Token Authorization Not Successful. Incorrect Token Supplied | 22 | BIND_FAILED | 复用 | Failed — Card verification could not be completed. Please restart card binding. | Retry | Use Another Card | 否 | 与上一条归并统计，保留 Provider 原文。 |
Incorrect PIN | 62 | PIN_FAILED | 新增 | Incorrect PIN — The card PIN is incorrect. Please restart card binding and enter the correct PIN. | Restart Binding | Use Another Card | 否 | 旧 PIN / OTP 会话结束；不得回显、缓存或复用 PIN。 |
PIN tries exceeded | 8 | PIN_ATTEMPT_LIMIT | 新增 | Too Many PIN Attempts — Too many PIN attempts were made. Please wait a few minutes before trying again. | Try Again Later | Use Another Card | 否 | 按通道冷却时间处理。 |
limited by plutus | 12 | SYSTEM_ERROR | 复用 | Failed — Card binding is temporarily unavailable. Please try again later. | Try Again Later | Contact Support | 否 | 内部限制命中；客户端不展示原文，受控日志记录规则命中码。 |
Security Violation | 1 | SECURITY_REJECTED | 新增 | Card Security Rejected — Your bank could not complete this verification for security reasons. Please use another card or contact your bank. | Use Another Card | Contact Support | 否 | 按发卡行安全拒绝处理；客服不得索取 PIN、OTP、CVV。 |
Insufficient funds / Insufficient Funds | 78 | INSUFFICIENT_BALANCE | 复用 | Insufficient Balance — Your card balance is not enough for card verification. Please add funds and try again. | Retry Binding | Use Another Card | 条件允许 | 仅明确余额不足可进入 17 号文档规定的业务线开关、资格与频控判断。 |
Transaction Declined | 24 | BANK_DECLINED | 复用 | Bank Declined — Your bank declined this card verification. Please use another debit card or contact your bank. | Use Another Card | Contact Support | 否 | 发卡行拒绝；不承诺重试一定成功。 |
Refer to card issuer / Do not honor | 23 | BANK_DECLINED | 复用 | Bank Declined — Your bank declined this card verification. Please use another debit card or contact your bank. | Use Another Card | Contact Support | 否 | 发卡行拒绝；保留原文供客服排查。 |
Restricted card / Transaction not Permitted to Cardholder | 3 | CARD_RESTRICTED | 新增 | Card Restricted — This card is restricted and cannot be used for verification. Please use another debit card. | Use Another Card | — | 否 | 不引导重复尝试。 |
Lost card, Pick-Up | 4 | CARD_BLOCKED | 新增 | Card Blocked — This card has been blocked by the issuer. Please use another debit card. | Use Another Card | — | 否 | 安全状态；禁止继续重试该卡。 |
Daily transaction limit exceeded / Exceeds Withdrawal Limit / Payment instrument has exceeded card scheme limit | 8 | CARD_LIMIT_EXCEEDED | 新增 | Card Limit Reached — Your card has reached a transaction limit. Please try again later or use another card. | Try Again Later | Use Another Card | 否 | 不映射为余额不足。 |
Merchant is not enabled for international transactions. | 6 | CARD_TRANSACTION_CAPABILITY_UNSUPPORTED | 新增 | Card Not Supported — This card cannot be used for this verification. Please use another debit card. | Use Another Card | Contact Support | 否 | 客户换卡；支付侧核查商户 / 路由是否意外触发国际交易要求。 |
Token Not Generated. Customer Not Registered on Token Platform | 25 | CARD_NOT_SUPPORTED | 复用 | Card Not Supported — This card cannot be verified at the moment. Please use another debit card. | Use Another Card | Contact Support | 否 | 不当作客户注册问题；受控日志保留卡品牌 / BIN 并向 Provider 核实覆盖。 |
Payment Requires Token Authorization 且订单终态失败 | 3 | BANK_AUTH_FAILED | 复用 | Bank Verification Failed — Your bank verification was not completed. Please restart card binding and follow the bank's instructions. | Retry | Use Another Card | 否 | 若订单仍 pending，应优先返回 BIND_CARD_PROCESSING。 |
No Card Record | 15 | BIND_FAILED | 复用 | Failed — We could not find this card verification. Please restart card binding. | Retry | Contact Support | 否 | 先查询原 reference 与 Provider transaction；确认不存在后才允许重建。 |
Unable to process transaction / Card could not be processed at this time | 73 | SYSTEM_ERROR | 复用 | Failed — Card verification is temporarily unavailable. Please try again later. | Try Again Later | Use Another Card | 否 | 受控退避后新建订单；监控银行、卡品牌和 Provider 响应耗时。 |
Issuer or Switch Inoperative | 2 | ISSUER_UNAVAILABLE | 新增 | Bank Service Unavailable — Your bank service is temporarily unavailable. Please try again later or use another card. | Try Again Later | Use Another Card | 否 | 发卡行 / 交换网络暂不可用。 |
Received invalid response from remote entity | 1 | SYSTEM_ERROR | 复用 | Failed — Card verification is temporarily unavailable. Please try again later. | Try Again Later | Contact Support | 否 | 排查 Provider 通信、协议、签名及原始响应摘要。 |
Error occurred while processing your request... Please contact merchant | 1 | SYSTEM_ERROR | 复用 | Failed — Card verification is temporarily unavailable. Please try again later. | Try Again Later | Contact Support | 否 | 商户或 Provider 配置异常，客户不可自助解决。 |
Invalid Transaction / Invalid account number (no such number)（出现在绑卡链路） | 2 | BIND_FAILED | 复用 | Failed — Card verification could not be completed. Please restart card binding. | Retry | Contact Support | 否 | 不展示账户号原文；排查订单状态、请求组装和路由参数。 |
Request to Generate Token is Successful 但订单终态失败 | 5 | PROVIDER_TIMEOUT | 复用 | Processing — We are confirming your card verification result. Please check the status shortly. | Check Status | Back | 否 | 原文与终态冲突；先主动查询 Provider，确认失败后以实际终态原因覆盖。 |
新增枚举：
USER_CANCELLED、PIN_FAILED、PIN_ATTEMPT_LIMIT、SECURITY_REJECTED、CARD_RESTRICTED、CARD_BLOCKED、CARD_LIMIT_EXCEEDED、CARD_TRANSACTION_CAPABILITY_UNSUPPORTED、ISSUER_UNAVAILABLE。其余均复用 17 号文档已有枚举。providerCode、providerMessage、Provider transaction / request ID、卡号、CVV、PIN、OTP、Token 仅保存在受控日志或客服后台，不下发 App/H5。