Scheme code system · UnionPay
Official, limited scope65
Withdrawal or purchase count limit exceeded
The account has exceeded an allowed transaction or withdrawal frequency.
- 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 “Frequency limit exceeded” 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.
| Concept | Relation | Mapping note |
|---|---|---|
| Frequency limit exceeded | Direct semantic match | UnionPay wording mapped to the SchemeLens “Frequency limit exceeded” concept. |
Namespace check
The same raw value exists elsewhere
- Visa 65Exceeds withdrawal frequency limit
- Mastercard 65Exceeds withdrawal count limit
- Discover 65Exceeds withdrawal count limit
- EBANX 65Withdrawal-frequency limit was exceeded
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.