Merchant Advice code

A quick introduction to building with Airwallex APIs

Quickstart

Explore our comprehensive reference to integrate with Airwallex API endpoints

API Reference

Learn how to receive push notifications via webhooks

Webhooks

Table below explains how the combination of Merchant advice code & response code should be perceived. Airwallex provides you both these fields in API response & Web-app portal as well.

| Issuer Response codes | MAC | MAC description | Potential reasons | Suggested Merchant action |
| ------- | ---- | ------------- | --------------- | --------------- |
| 00, 05, 14, 51, 54, 79, 82 | 01 | New Account info available | Expired Card or Account upgrade or Portfolio sale or conversion | Obtain new account information before next billing cycle |
| 51, 79, 82, 83 | 02 | Cannot Approve at This Time | Over Credit Limit or Insufficient funds | Recycle transaction 72 hours later |
| 05, 14, 51, 54, 79, 82, 83 | 03 | Do not try again | Account Closed or Fraudulent | Obtain another type of payment from customer |
| 39 | 04 | POS cardholder presence indicator | SLI & cryptograhy data problem| Resubmit with appropriate information |
| 05 | 21 | Payment Cancellation | Cardholder canceled agreement | Do Not submit |


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Embedded KYC RFI component

Hosted KYC RFI flow

Native KYC RFI API

Handle KYC RFI

Handle KYC Request for Information (RFI)

Hosted Transaction RFI flow

Embedded Transaction RFI component

Native Transaction RFI API

Handle Transaction RFI

Handle Transaction Request for Information (RFI)

RFI (Request for Information)

Native Cardholder RFI API

Handle Cardholder RFI

Handle Cardholder Request for Information (RFI)

Cardholder types

Cardholder statuses

Create cardholders

Desktop/Mobile Website Browser - Klarna

Dispute Management - Klarna

Extra Merchant Data (EMD) - Klarna

Klarna

Dispute Flow

Handling Disputes

Dispute Notifications

Pay with QR Code (Desktop Website Browser) - WeChat Pay

Mobile App - WeChat Pay 

WeChat Official Account - WeChat Pay

WeChat Mini Program - WeChat Pay

Mobile Browser (H5) - WeChat Pay

Customs Declaration - WeChat Pay

Funds Split - WeChat Pay

WeChat Pay

Refunds

Funds reconciliation

Pay with QR Code (Desktop Website Browser) - Touch 'n Go

Mobile Website Browser - Touch 'n Go

Mobile App - Touch 'n Go

Touch 'n Go

Pay with QR Code (Desktop Website Browser) - Rabbit LINE Pay

Mobile Website Browser - Rabbit LINE Pay

Mobile App - Rabbit Line Pay

Rabbit LINE Pay

Pay with QR Code (Desktop Website Browser) - GCash

Mobile Website Browser - GCash

Mobile App - GCash

GCash

Pay with QR Code (Desktop Website Browser) - DANA

Mobile Website Browser - DANA

Mobile App - DANA

DANA

Pay with QR Code (Desktop Website Browser) - TrueMoney

Mobile Website Browser - TrueMoney

Mobile App - TrueMoney

TrueMoney

Pay with QR Code (Desktop Website Browser) - Kakao Pay

Mobile Website Browser - Kakao Pay

Mobile App - Kakao Pay

Kakao Pay

Mobile App - Alipay CN

Mobile Website Browser - Alipay CN

Mini Program - Alipay CN

Customs Declaration - Alipay CN

Pay with QR Code (Desktop Website Browser) - Alipay CN

Alipay CN

Mobile App - Alipay HK

Mobile Website Browser - Alipay HK

Pay with QR Code (Desktop Website Browser) - Alipay HK

Alipay HK

Transaction failure reasons

Physical and digital cards (older API versions)

Create individual cards (older API versions)

Card statuses

Create a card (older API versions)

Physical and digital cards

Create commercial cards

Create consumer cards

Whitelabel card offering

Create cards

Choose your issuing solution

Supported card programs

3D Secure authentication

Fund your issuing balance (older API versions)

Choose your issuing solution (older API versions)

Supported card types (older API versions)

Secure iframes

Retrieve sensitive card details

Fund your issuing balance

Platform issuing infrastructure for businesses

Consumer payouts via cards

Batch transfers

Payout statuses

Generate a confirmation letter

Simulate payout status transition

Create a payout

 Payout error codes

Batch transfer error codes

Manage approvals for batch transfers

Manage batch transfers

Retrieve batch transfers

Batch transfer statuses

Create a batch transfer

Issuing

Integration guide

Powerful and flexible APIs to programmatically manage your money

Core API

APIs and components to build your own global financial products

Embedded Finance

Accept one-time and recurring payments, with like-for-like settlement for multiple currencies

PaymentsActive

PaymentsNormal

Accept payments from your customers around the world with cards and 160+ alternative payment methods. 

Overview

Payments

Choose your payments solution

Get started with payments

Online payments

Payment Links

Invoice integrations

Manage payments

Payment methods

Test and go live

Troubleshooting

Access interbank FX rates and intelligently manage currency risk

FXActive

FXNormal

Access interbank FX rates and programmatically manage currency risk.

Transactional FX

How Transactional FX works

Supported regions and currencies

Funding and settlement models

Use Cases

Get started

Amendments

Programmatically make cost effective, fast and secure global payouts 

PayoutsActive

PayoutsNormal

Programmatically make cost-effective, fast and secure payouts across the globe.

Payouts

How Airwallex Payouts work

Payout network

Use cases

Beneficiaries

Payers

Errors

Older API versions

Issue and manage multi-currency cards at scale, while reducing international transaction and FX fees

IssuingActive

IssuingNormal

Issue and manage multi-currency cards at scale, while reducing international transaction and FX fees.

How Airwallex Issuing works

Manage cards

Card controls

Transactions

Older Issuing APIs

Enable your customers to collect, store, and disburse funds globally

GTActive

GTNormal

Enable your customers to collect, store, and disburse funds worldwide using Airwallex's powerful global treasury infrastructure.

Global Treasury

Understanding Global Treasury

Market & infrastructure coverage

Global Treasury: Market & infrastructure coverage

Receive funds

Hold & convert funds

Process payouts

Connected accounts

Platform operations

Risk

Offer a full-featured fintech solution including accounts and card issuing

Banking as a service icon for an active state

BaaSActive

Banking as a Service icon for a normal state

BaaSNormal

Unlock new lines of revenue by natively embedding global banking capabilities into your platform.

Banking as a Service

Understanding Banking as a Service

Global Accounts

Held balances

Funds movement

Cards

Support end-to-end payments for customers on your platform

Payments for platform icon for active state

PfPActive

Payments for platform icon for normal state

PfPNormal

Programmatically create connected accounts, automatically split funds, and enable a frictionless global pay-in and pay-out experience for your customers. 

Issuer Response codes	MAC	MAC description	Potential reasons	Suggested Merchant action
00, 05, 14, 51, 54, 79, 82	01	New Account info available	Expired Card or Account upgrade or Portfolio sale or conversion	Obtain new account information before next billing cycle
51, 79, 82, 83	02	Cannot Approve at This Time	Over Credit Limit or Insufficient funds	Recycle transaction 72 hours later
05, 14, 51, 54, 79, 82, 83	03	Do not try again	Account Closed or Fraudulent	Obtain another type of payment from customer
39	04	POS cardholder presence indicator	SLI & cryptograhy data problem	Resubmit with appropriate information
05	21	Payment Cancellation	Cardholder canceled agreement	Do Not submit