57

Transaction not permitted to the cardholder

The transaction is not permitted for the issuer, account, or cardholder.

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 “Cardholder not permitted” 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 57
Concept	Relation	Mapping note
Cardholder not permitted	Direct semantic match	UnionPay wording mapped to the SchemeLens “Cardholder not permitted” concept.

Namespace check

The same raw value exists elsewhere

Visa 57Transaction not permitted to cardholder
Mastercard 57Transaction not permitted to issuer/cardholder
Discover 57Transaction not permitted to issuer/cardholder
EBANX 57Cardholder restrictions prohibit the transaction

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.