Categories of User Code and User Message - CC

These references comprise a message code from the user / customer follows with an explanation.

User Code	Categories	Descriptions
101	Transaction Approved	Transaction approved.
102	Transaction Declined – Refer Bank	Shopper may refer to bank for more information or assistance when the transaction is being declined.
103	Transaction Declined – Refer Merchant	Shopper may refer to merchant for more information or assistance when the transaction is being declined.
104	Transaction Declined – Invalid card details	To alert shopper in order to input a valid card details. This category is meant for credit card transaction usage at the moment, may be applicable for direct debit transaction in future.
105	Transaction Declined – Refer cardholder	To alert shopper to refer to credit card holder when there is a dispute/cancellation on transaction request.
106	Transaction Declined – Unknown Response	For the usage of unknown response return from bank side or Faspay e-Payment system.
107	Transaction Declined – Refer e-Wallet	Shopper may refer to e-Wallet for more information or assistance when the transaction is being declined.
108	Transaction Accepted – Refer shopper	Transaction accepted but pending action from shopper to make payment.