14

Invalid card number or account

The account or card number is invalid, nonexistent, or unavailable in the cited system.

Outcome: Declined
Code system: UnionPay
Raw format: Two-character alphanumeric DE 39 response code

Operational context

No universal retry instruction encoded

UnionPay wording mapped to the SchemeLens “Invalid account” concept.

Use the current scheme, provider, transaction, and advice-code rules; the raw response value alone may be insufficient for a retry decision.

Explicit mapping

SchemeLens concepts

These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.

Normalized concepts mapped to UnionPay response code 14
Concept	Relation	Mapping note
Invalid account	Direct semantic match	UnionPay wording mapped to the SchemeLens “Invalid account” concept.

Namespace check

The same raw value exists elsewhere

Visa 14Invalid account number (no such number)
Mastercard 14Invalid card number
Discover 14Invalid card number
EBANX 14Card number does not exist

Provenance

Sources used for this record

China UnionPay Open Platform: Industry and Content System Interface Specification — Appendix BOfficial, limited-scope source for two-character DE 39 values used by the documented CUPS industry and content interface.
Online specification, updated 24 August 2020; verified 27 July 2026

SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.