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China UnionPay Express always displays AP6 10O03O when adding credit cards. The identity information format is incorrect. Please check and try again.
When using China UnionPay Express, you may be prompted that the card used by invalid merchants for payment is invalid or that the paid merchants do not support China UnionPay Express. In this case, the user can change the bank card or use other methods to pay. For details, please contact the official customer service of China UnionPay Express.

1, bank card is invalid.

If the bank card is invalid, such as loss reporting, freezing or expired credit card, invalid merchants may be prompted when China UnionPay Express uses this card for payment.

2. The merchant does not support China UnionPay Express Pass function.

Only merchants who support China UnionPay Express Payment can use China UnionPay Express function to make payment. If the user uses China UnionPay to quickly access a merchant that does not have China UnionPay Express function or a non-China UnionPay Express cooperative bank for payment, it will also prompt an invalid merchant.

This answer is provided by Youhuahua, a credit platform of Xiaoman Finance. Xiaoman Finance will earnestly implement the call of the state to support small and micro enterprises to tide over the difficulties and fully support small and micro production and operation. Most small and micro owners choose Youhuahua to meet the turnover needs of small and micro enterprises. It is reported that 70% of credit users of Xiaoman Finance are small and micro business owners. Up to now, Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners, so that capital turnover can be found in Xiaoman Finance, and big brands are more assured.