SaaS Card Issuing Service Platform (SCIS for short) is a SaaS service that can be accessed by issuers outside of mainland China by leased line. SCIS for issuers is a set of APIs providing virtual card issuance and transaction 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, including QR Code transaction, virtual card transaction.
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 issuers want to use SCIS to issue their own UnionPay card for their customers.
1. Issuers should use leased line to access SCIS.
2. Issuers' banking system should support both Debit Transaction and Credit Transaction.
3. If issuer want to provide P2P Transfer service for customers, P2P Transfer API shall be supported.
4. SCIS only manages card information, account information and account fund should be managed independently by issuer itself
|00||Approved or completed successfully|
|01||Refer to card Issuers|
|05||ID certification fails|
|10||Partial amount approved|
|12||Invalid related transaction|
|14||Invalid card number (no such account)|
|15||No such Issuer|
|16||Approve update of track 3|
|21||Card not initialized|
|22||Suspected malfunction,related transaction error|
|25||Unable to locate the original transaction|
|38||PIN try limit exceeded|
|40||Function requested not supported|
|45||Fallback transaction is not allowed|
|55||Incorrect personal identification number|
|57||Transaction not allowed to be processed by Cardholder|
|58||Transaction not allowed to be processed by terminal|
|61||Transaction amount limit exceeded|
|64||Original transaction amount error|
|65||Exceeds withdrawal velocity limit|
|68||Issuer response time-out|
|75||Allowable number of PIN tries exceeded|
|90||Cutoff is in progress|
|91||Issuer not capable to process|
|92||Financial institution or intermediate network facility cannot be found for routing|
|96||Switch system malfunction|
|97||ATM/POS terminal number cannot be located|
|98||Issuer response not received|
|99||PIN Block Error|
|A2||Successful transaction with defect|
|A3||Account not found in Transfer-in side|
|A4||Successful transaction with defect|
|A5||Successful transaction with defect|
|A6||Successful transaction with defect|
|A7||Security processing failure|
|B1||No arrears (transaction receipt not printed)|
|C1||Illegal Status of Acquirer|
|D3||Invalid file type|
|D5||No such file|
|D6||Not supported by Receiver|
|D9||Incorrect file length|
|DA||File decompression error|
|DB||File name error|
|DC||File cannot be received|
|F1||File record format error|
|F2||File record repeated|
|F3||File record not existing|
|F4||File record error|
|N1||Items not on Bankbook beyond limit, declined|
|P1||Contact number (e.g. mobile phone number) of cardholder cannot be found in Issuer’s system|