Merchant Advice code

A quick introduction to the essential dev tools for building with Airwallex

Developer Essentials

Explore the flexibility and power of Airwallex APIs

Quickly and securely integrate with Airwallex products using Airwallex SDKs

SDKs

Learn how to receive push notifications via webhooks

Webhooks

Use Airwallex's sandbox environment to simulate transactions before going live

Sandbox environment

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 |


docsLogo

Enhance fraud protection with comprehensive payment data

Desktop/Mobile Website Browser

Atome

Desktop / Mobile Website Browser

Save bank details for future payments

Micro-deposit verification

SEPA Direct Debit

Pay with QR Code (Desktop Website Browser) - GCash

Mobile Website Browser - GCash

Mobile App - GCash

GCash

Kiosk Payments

Create a payer

Overview

How Airwallex Billing works

Get started with billing

Choose your billing solution

Configure your billing settings

Invoices via API

Get started with invoicing

Sample integration

Subscriptions via API

Get started with subscription management

Other checkout options

Hosted Billing Checkout

Checkout

Payment sources

Prices via API

Prices

Products via API

Products

Customers via API

Customers

Integration checklist

Desktop/Mobile Website Browser - Cash App Pay

Cash App Pay

Online payment acceptance

Bank feed

Invoicing and payment links

Bill payments

Integration guides

Europe

Multi-Currency Pricing API

Viet Nam

United Kingdom

Verify a beneficiary account

Dedicated Account per Payment 

Desktop/Mobile Website Browser 

PromptPay

PayPal & Venmo Disputes

 Account

Balance

Billing

Charges

Connected Account Transfers

Connections

Conversions

Deposits

Direct debit payouts

Global Accounts

Issuing

Linked Accounts

Online Payments

Platform

 Transfers

Payload examples

Account capability

Account status

Funds Split

Online payments

PSP Agnostic

Transfers

Event types

Guest user checkout

Registered user checkout

Place a hold on a payment method

3D Secure authentication

Device fingerprinting

Cancellations

Refunds

Network Tokenization

Card Account Updater

Error response codes

Native API

View connected accounts

Install Airwallex Online Payments app

View transactions

Handle RFIs

Connected Account Transfers (older versions)

Redirect from iOS Apps

Hosted Payment Page

Choose your payments solution

Embedded SCA component

Embedded Transaction RFI component

Embedded Payment Enablement RFI component

Embedded KYB component

Embedded KYC RFI component

Embedded KYC component

Embedded Tax Form component

 Embedded Beneficiary component

Embedded Transfer component

Google Pay Element

Maxima

Lithuanian Banks

Perlas Terminals

Narvesen

Paysera

Latvian Banks

Customization options

Upgrade to Airwallex.js

Error codes

Airwallex.js

Estonian Banks

New Zealand (NZ_BECS_DEBIT)

Direct debit deposit error codes

Singapore (SG_EGIRO_DEBIT)

Hong Kong (HK_FPS_DEBIT)

Canada (CA_EFT_DEBIT)

Europe SEPA (EU_SEPA_DEBIT)

United Kingdom (GB_BACS_DEBIT)

United States (US_FEDWIRE_DEBIT)

United States (US_ACH_DEBIT)

Australia (AU_PAYTO_DEBIT)

Direct debit schemes and mandate requirements

Retrieve your deposits

Direct debit deposit statuses

Understanding direct debit flight times and funding limits

Add funds via direct debits from Linked Accounts

Australia (AU_BECS_DEBIT)

Linked Account statuses

Embedded Merchant Risk RFI component

Hosted Merchant Risk RFI flow

PayNow

Dedicated Account per Customer

Accept bank transfer payments

Bank transfer - BETA

Native Merchant Risk RFI API

Naver Pay recurring payments

Powerful and flexible APIs to programmatically manage your money

Platform APIs

APIs and components to build your own global financial products.

Embedded Finance Use Cases

Programmatically create accounts and onboard customers

Connected Accounts icon

Programmatically create connected accounts for businesses and individuals, and enable them with rich financial capabilities.

Connected Accounts

How connected accounts work

Supported regions

Get started

Manage accounts

Move funds

Accounts icon

Open and manage global accounts at scale in 20+ currencies.

Accounts

Supported regions and currencies

Receive funds

Process payouts

Test and go live

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. 

Payments

Get started with payments

Supported currencies

Payment Links

Invoice integrations

Manage payments

Payment methods

Troubleshooting

Tax filing

Subscriptions, usage based billing, and invoicing.

Billing domain icon

Airwallex Billing is built to handle the entire quote to cash process, from complex usage-based billing to simple subscriptions and invoices, empowering you to focus on growing your business.

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