Error code 32 means that the bank card declined the transaction, which is usually caused by incorrect card information, insufficient balance, frozen card, etc. You can try to contact ICBC customer service to check whether the card status is normal, and you can also check whether your card information is correct, such as card number, validity period, CVN code, etc. If you make sure that there are no problems with the card information and balance, you can try to swipe the card again or change to another bank card for payment. If the problem persists, it is recommended that you inquire directly at the bank counter for a solution.