1. The credit card is invalid. China UnionPay Express also shows that the credit card is invalid, which is probably caused by the invalidation of the credit card. When using China UnionPay Express to repay the credit card, China UnionPay Express cannot repay the credit card, so it will prompt invalid merchants.
2. Unsupported credit card. China UnionPay Express can repay credit cards, but not all credit cards can be repaid through China UnionPay Express. If China UnionPay Express does not support credit card repayment and China UnionPay Express cannot repay, then China UnionPay Express will display invalid merchants if it repays the credit card.