Card

1. Card Transaction Type Enum

This enumeration identifies the nature of the fund flow occurring on a card. These values help differentiate between standard purchases, reversals, and internal account fund transfers.

Enum Value	Description
`transfer_in`	Transfer In: Funds are transferred from the main Account into this Card.
`transfer_out`	Transfer Out: Funds are transferred back from the Card to the main Account.
`consumption`	Consumption: Standard card consumption or authorization transactions.
`refund`	Refund: Refunds (full or partial) after a consumption transaction is completed. Funds are credited back to the current card.
`settlement_debit`	Settlement Debit: For example, if a $10 pre-authorization was made for an Uber ride, but the final settled amount is $15, the platform will generate a $5 difference debit order.
`settlement_refund`	Settlement Refund: For example, if a $10 pre-authorization was made, but the final settled amount is $8, the platform will generate a $2 difference refund order.
`reversal`	Reversal: The business logic is similar to a refund, but such orders typically occur before the final transaction settlement (e.g., reversing an original pre-authorization).
`declined_refund`	Declined Refund: Exception handling scenario. If the platform successfully authorizes a transaction and deducts the quota, but the final order fails due to issuing bank or other routing errors, the platform will proactively create a new order to refund this amount.
`auth_fee`	Authorization Fee: Fees incurred during transaction authorization verification.

2. Transaction Reason Code Enum

The following status codes are used to identify the specific outcome of a transaction. Particularly when a transaction is declined or requires manual intervention, developers can extract the Message field to display user-friendly prompts to end-users.

Code	Message	Description
`100001`	`InsufficientBalance`	Insufficient Balance: The available balance in the account or card is not enough to cover this transaction.
`100002`	`CardNotActive`	Card Not Active: The current card being used has not been activated yet.
`100003`	`MCCNotAllow`	Prohibited MCC: The transaction involves a Merchant Category Code (MCC) banned by the system and is not permitted.
`100004`	`ScenariosRiskControl`	Risk Control Rejection: The transaction triggered the platform's security risk control rules.
`100005`	`SceneBlacklist`	Scenario Blacklisted: The transaction scenario or payee is blacklisted.
`100006`	`SceneWhitelistNoMatch`	Scenario Not in Whitelist: The transaction scenario falls outside the permitted whitelist.
`100007`	`SystemDown`	System Service Exception: An anomaly occurred in the internal system or upstream channel services.
`100008`	`UnknownDeclined`	Unknown Decline: The transaction was declined, usually because the acquiring bank did not return a specific error reason.
`100009`	`ForceDebit`	Forced Debit: A mandatory debt collection/debit executed against this account/card.
`100010`	`DeleteCardRefund`	Card Deletion Refund: A balance clearance transaction triggered after the card is canceled or deleted.
`100011`	`ShareNotActive`	Share Group Not Available: The shared fund pool or group to which the card belongs is currently unavailable.
`100012`	`CustomerAuthRejected`	Customer Authorization Rejected: The customer (or cardholder) rejected the authorization request.
`100013`	`SplitTrxSettlement`	Split Transaction Settlement: This transaction needs to be split into multiple parts for settlement.
`100014`	`CardRepayment`	Card Negative Balance Repayment: A repayment credited to a card with an overdraft or negative balance.
`100015`	`CvvNotMatch`	CVV Mismatch: The CVV (security code on the back of the card) provided during verification is incorrect.
`100016`	`LimitExceeded`	Limit Exceeded: The transaction amount exceeds the single or periodic spending limits set for the card.
`100017`	`CardInfoNotMatch`	Card Information Mismatch: The provided card details (e.g., billing address, cardholder name) do not match the system records.
`100018`	`BankDown`	Banking Services Unavailable: The issuing bank or clearing network is currently unavailable.
`100019`	`BankRiskControl`	Banking Risk Control Rejection: The transaction was blocked by the issuing bank's risk control system.
`200800`	`Approve`	Approved: The transaction has been successfully authorized or approved.
`200801`	`DoNotHonour`	Do Not Honour: The issuing bank declined the transaction without providing a specific reason.
`200802`	`AccountClosed`	Account Closed: The associated bank account has been canceled or closed.
`200804`	`CardExpired`	Card Expired: The card has passed its expiration date and cannot be used for transactions.
`200808`	`Restricted`	Restricted Card: The card is marked as restricted (e.g., reported lost, frozen) by the issuing bank.
`200810`	`FrequencyLimit`	Frequency Limit: Transactions are too frequent, triggering anti-fraud or risk control frequency limits.
`200811`	`InvalidExpiry`	Validity Period Mismatch: The entered expiration date (Exp Date) does not match the issuing bank's records.