SaaS Card Issuing Service Platform (SCIS for short) is a SaaS service that can be accessed by APP providers by leased line or internet. SCIS open API for APP Gateway is a set of APIs provide card enrollment functions and mobile transactions functions.
▪ Easy to maintain
SCIS is a unified service solution based on SaaS service, deployed and maintained by UPI, so as to save maintenance work and cost for issuers.
▪ Easy to access
SCIS has integrated with various UPI platforms, issuers only need to follow the SCIS interface specification to achieve a variety of business services.
JWS, JWE are used to sign and encrypt online messages. Sensitive data will be encrypted before stored. All security standards follow the requirements of PCI specification.
▪ Business Expansibility
The issued cards meet the standards of UnionPay and can be used in the existing bank card transactions, helping issuers to get benefit from UnionPay’s new business expansion.
When App providers want to collaborate with SCIS-enabled issuer to use virtual card in mobile transactions.
1. The App providers should be authorized by issuers.
2. The security control of user-side is handled by App and its Gateway.
|01||Please refer to the card issuer|
|02||duplicated QRC transaction and expired QRC|
|04||Pending. Transaction result is unknown. Please check later.|
|05||Cardholder verification fails.|
|14||Invalid card number|
|15||No such issuer|
|21||Card status error|
|25||Unable to locate the original transaction|
|30||Message format error|
|32||Exceed OTP max tries|
|40||The transaction is not supported by the issuer.|
|55||Invalid device id|
|57||Transaction not permitted to cardholder|
|61||Exceeds approval amount limit|
|70||Validation error from issuer|
|72||Issuer verify mac failed|
|73||Enrollment not found|
|76||OTP not found|
|77||IDV not set|
|88||Card already provisioned|
|89||Card profile not found|
|90||The system is in cut-off.|
|91||Issuer system error|
|93||Invalid enroll state|
|95||Enrolment timed out|
|96||UnionPay system error|
|A0||Signature verification fails.|