What is the reason why credit card holder authentication fails?

1. The credit card chip is damaged or degaussed;

2. The customer has just received the new card and has not activated it yet;

3. The credit card has been The validity period has expired and has expired;

4. Use single-label foreign currency cards issued by foreign card organizations in UnionPay channels (such cards cannot be used on domestic POS machines with UnionPay logo);

5. The account is locked and cannot be used regularly;

6. The POS machine malfunctions, resulting in the inability to receive signals;

7. The environment where the consumer merchant is located has poor signal quality. Or the connected network is not smooth.

If the card has not been activated yet, the customer can use it after activating the card. If there is a problem with the card, the customer can only pay with another payment method first, and then find a way to restore the card to normal. For example, if the card is damaged or expires, you can go to the bank to get a new card. If there is a problem with the POS machine or the merchant, then the customer can change to a POS machine for transactions or a different merchant for consumption. The card itself will be fine.

Extended information

What should I do if the credit card holder authentication fails?

First: The APP card opening authentication failed. If this is the case, you should not perform re-authentication. First, call the bank customer service and choose manual service. Explain the problem to the manual customer service, and they will give you You identified the problem in detail and solved it.

Second: During the process of swiping the card, the machine shows that the authentication failed. In this regard, you must consider whether there is an abnormality in your card. Is the new card not activated, the consumption permission is not activated, or the old card has expired. Cardholder authentication The failure should be a problem when swiping the card. At this time, we can look at it from the following aspects:

1. This is the error code returned by UnionPay. Generally, the card transaction can only be changed.

2. Check the card status. If the magnetic stripe card is often placed with a metal mobile phone, whether it has been demagnetized, whether it is an inactive card (here refers to a credit card), whether it is because it was operated on other machines that day. Entering the wrong password too many times results in the card being locked. Finally, check whether the card has expired (here it still refers to the credit card). Finally, you need to call the bank customer service to confirm.

Why did credit card holder authentication fail?

The failure of card holder authentication should be a problem that occurs when swiping the card. At this time, we can look at it from these aspects:

1. This is the error code returned by UnionPay. Generally, you can only change the card transaction.

2. Check the status of the card. If the magnetic stripe card is often placed with a metal phone, is it demagnetized? Is it an inactive card (referring to a credit card here)?

Is it because of the demagnetization? On the same day, I entered too many incorrect passwords on other machines, which resulted in the card being locked. Finally, I checked to see if the card had expired (this still refers to the credit card). In the end, I still needed to call the bank customer service to confirm.

3. Check the card swiping machine. Traditional machines are also connected through the mobile network. If it is in a place with very poor signal and cannot receive the returned data, it will also fail.

4. Check whether the card is a single-currency overseas card. Some cards issued by banks do not have the UnionPay logo, but only have the VISA or Mastercard logo. Such cards cannot be used in domestic machines.

If none of the above four conditions exist, it is recommended to use another machine to swipe the card. If changing machines does not work, then apply for a new card.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of card issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

Credit Card Cardholder Authentication Failed

Cardholder Authentication Failure means that the authentication of the cardholder fails when the card is swiped. Generally, this situation will result in the inability to swipe the card and the inability to complete the payment. .

Authentication failure may be caused by two reasons. On the one hand, it is the card swiping POS machine, which needs to be replaced. On the other hand, the status of the bank card itself is abnormal, such as the card being degaussed, the card not being activated, and the password being entered incorrectly too many times.

1. Problems with POS machines. Nowadays, more and more POS machines require credit card authentication when you swipe your card. If you do not authenticate when you swipe your card, it will prompt that the authentication failed, and you need to authenticate. It can be used. Many merchants don’t understand what this problem is. In fact, it is to submit a credit certificate to make it safer when you swipe your card.

Why is it prompted that cardholder authentication failed?

1. It is caused by the merchant not submitting the authentication in the background.

2. The authentication process also prompts the same.

2. The problem of your own card. Nowadays, everyone has more than one credit card, so many times our own card expires or has not been used for too long, resulting in abnormal status. But have we discovered it in time? As a result, when we swipe the card, it prompts authentication failure and so on.

Also, the validity period of our certificate has expired, causing the status of the card to be abnormal. If you encounter this problem, please contact the customer service of popular cards immediately. Just follow the instructions and continue using it.

When swiping the CCB credit card, it shows that the cardholder authentication failed. What’s going on?

This is usually a problem with the network connection of the card machine. It is recommended that you change the machine or try again after a while. In addition, you can also call China Construction Bank’s customer service number to check whether the status of your card is normal. However, even if the card status is abnormal, this message should not be displayed, so most of the display content is due to network problems with the machine at the merchant’s end.

When swiping a China Construction Bank credit card, it shows that the cardholder authentication failed may also be due to the following reasons:

1. It may be due to an abnormality in the merchant's POS machine. It is recommended to try it in other stores. Give it a try to see if it can be used normally;

2. The information status of the credit card may be abnormal. If the card you are using is a new card, if it is not activated, the authentication will fail; if it is an old card, it may The card has been degaussed, and the card information cannot be obtained, causing the authentication to fail. There is a CCB credit card customer service hotline on the back of the card. You can call to check whether your CCB credit card has an abnormal status, thus causing the credit card holder authentication to fail. , impermanent transactions.

3. If there is an error in the password when entering the credit card, you can try to re-enter the password to see if it can be used;

4. The app card opening authentication fails. This situation is generally rare See, the account cannot be opened because the information is incorrect when applying for a card account. If you really encounter this situation, you can directly call the bank customer service for consultation, and the other party will find out the specific reason for the authentication failure.

Under what circumstances does cardholder authentication fail?

When applying for a card, in order to ensure the security and privacy of the cardholder, necessary procedures are required when handling money withdrawals or other businesses. Identity authentication to ensure the security of business and personal information. In precious metals, energy, indices, securities, and futures, one-click investment in many popular currency pairs around the world is performed. When handling consumption or other businesses, if the machine shows that the bank card cannot be recognized or cannot be recognized, DooPrime Capital will fail to authenticate the cardholder.

Cardholder introduction:

The cardholder is the person with the certificate used when applying for the card. Simply put, it is the bank card issuer.

Introduction to CCB Credit Card:

CCB Credit Card is a credit card issued by China Construction Bank. At present, all credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, and Dragon Card Car Card series.

This is the end of the introduction to why credit card authentication failed.