The card used by consumers for payment has bad transaction records, such as refusal to pay.

Two. Unauthorized transaction

The card the consumer used to pay was a 3D card, but the 3D verification code was not filled in during the payment process. Therefore, the system will judge the transaction as unauthorized and refuse to deduct money. In addition, it is also possible that the issuing bank of the consumer has not authorized the transaction.

Third, the same IP is repeatedly paid in a short period of time.

Consumers pay repeatedly on the same IP in a short period of time, and there are other illegal acts such as cashing, money laundering and fraud. The system refused to deduct money.

4. The balance in the card is insufficient or the validity period of the card has expired.

The card used by the consumer for payment exceeds his credit limit or the card has expired.

5. Incomplete information, error or termination of payment.

When the consumer fills in the credit card related information, the information is incomplete or incorrect, and the bank has no dao method or refuses to deduct the money.

Payment in the risk field of intransitive verbs

The IP paid by consumers comes from an area listed as high risk by international credit card organizations, and the system will judge high-risk transactions and refuse to deduct money.

Seven. Payment of cross-border and cross-regional transactions

The card used by consumers for payment is a non-domestic card, which is suspected of being stolen. The system will rate it as a high-resolution transaction and refuse to deduct money.

Eight. Other information

Check whether the payee is involved in fraud, so it is frozen by the bank.