Method: reserveFunds

Page Summary

• The API allows reserving funds on a user's card without an immediate transfer, holding the reservation until captured, canceled, or expired.

• Idempotency is maintained using requestId and paymentIntegratorAccountId for reliable transaction processing.

• The API provides endpoints for reserving funds (POST /reserveFunds) and returns comprehensive responses including reservation details or error information.

• Data structures such as AccountDetails, PaymentToken, and AdditionalTransactionProcessingOptions are used to manage user card data, tokenization, and transaction-specific configurations.

• The ReserveFundsResponse object provides details about the reservation outcome, including the reservation ID, card network results, and expiration timestamp.

• HTTP request
• Request body
  • JSON representation
• Response body
• AccountDetails
  • JSON representation
• PaymentToken
  • JSON representation
• AdditionalTransactionProcessingOptions
  • JSON representation
• UserSelectedProcessingNetworkType
• ThreeDSecureAuthenticationData
  • JSON representation
• ReserveFundsResponse
  • JSON representation
• ReserveFundsResultCode

Reserve funds on a user's card.

This call synchronously attempts to reserve funds from a user's card. The response to this message will return the result of that attempt. No money is directly moved as the result of this call. The requested amount of funds should be reserved until an asynchronousCaptureFundsReservation, an asynchronousCancelFundsReservation or until the reservation has reached the reservationExpirationTimestamp specified in the ReserveFundsResponse. The requestId within the header is the idempotency key and uniquely identifies this transaction. All mutations on this transaction (asynchronousCancelFundsReservation, asynchronousCaptureFundsReservation) populate the requestId value in their reservationRequestId field.

If the endpoint encounters an error while processing the request, the response body from this endpoint should be of type ErrorResponse.

An example request using a physical card looks like:

{
  "requestHeader": {
    "protocolVersion": {
      "major": 1,
      "minor": 0,
      "revision": 0
    },
    "requestId": "G1MQ0YERJ0Q7LPM",
    "requestTimestamp": "1481899949606"
  },
  "paymentIntegratorAccountId": "SpeedyPaymentsIndia_INR",
  "accountDetails": {
    "card": {
      "accountNumber": "4123456789101112",
      "nameOnCard": "Example Customer",
      "expiryMonth": "01",
      "expiryYear": "20",
      "cvn": "123"
    }
  },
  "currencyCode": "INR",
  "amount": "728000000",
  "transactionDescription": "Movie ACB",
  "merchantCategoryCode": "5815",
  "addressVerificationData": {
    "addressLine": [
      "2 Inner Ring Road"
    ],
    "localityName": "Bangalore",
    "administrativeAreaName": "Karnataka",
    "postalCodeNumber": "560071",
    "countryCode": "IN"
  },
  "additionalTransactionProcessingOptions": {
    "userSelectedProcessingNetworkTypeNotApplicable": {},
    "electronicCommerceIndicator": "05",
    "threeDSecureAuthenticationDetails": {
      "directoryServerTransactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1640",
      "cavv": "123ABCCAVVAA",
      "threeDsVersion": "2.2.0",
      "threeDsServerTransactionId": "40c52a12-31e1-463e-ab0e-89d9f6189b79",
      "transStatus": "Y"
    },
    "storedCredentialTransactionInformation": {
      "merchantInitiated": {
        "transactionIntentClassification": "RECURRING",
        "instrumentStorageType": "STORED",
        "previousTransactionInformation": {
          "storedCredentialTransactionId": "c7e2d54b-aa12-4aea-9ce6-fb6f1e4df2b4",
          "originalTransactionAmount": "728000000"
        }
      }
    }
  }
}

An example request using a tokenized card looks like:

{
  "requestHeader": {
    "protocolVersion": {
      "major": 1,
      "minor": 0,
      "revision": 0
    },
    "requestId": "G1MQ0YERJ0Q7LPM",
    "requestTimestamp": "1481899949606"
  },
  "paymentIntegratorAccountId": "SpeedyPaymentsIndia_INR",
  "accountDetails": {
    "paymentToken": {
      "nameOnCard": "Example Customer",
      "paymentTokenAccountNumber": "4123456789101112",
      "expiryMonth": "01",
      "expiryYear": "20",
      "cryptogram": "12345",
      "tokenTypeMerchantToken": {}
    }
  },
  "currencyCode": "INR",
  "amount": "728000000",
  "transactionDescription": "Movie ACB",
  "merchantCategoryCode": "5815",
  "addressVerificationData": {
    "addressLine": ["2 Inner Ring Road"],
    "localityName": "Bangalore",
    "administrativeAreaName": "Karnataka",
    "postalCodeNumber": "560071",
    "countryCode": "IN"
  },
  "additionalTransactionProcessingOptions": {
    "userSelectedProcessingNetworkTypeNotApplicable": {},
    "electronicCommerceIndicator": "05",
    "threeDSecureAuthenticationDetails": {
      "directoryServerTransactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1640",
      "cavv": "123ABCCAVVAA",
      "threeDsVersion": "2.2.0",
      "threeDsServerTransactionId": "40c52a12-31e1-463e-ab0e-89d9f6189b79",
      "transStatus": "Y"
    },
    "storedCredentialTransactionInformation": {
      "merchantInitiated": {
        "transactionIntentClassification": "RECURRING",
        "instrumentStorageType": "STORED",
        "previousTransactionInformation": {
          "storedCredentialTransactionId": "c7e2d54b-aa12-4aea-9ce6-fb6f1e4df2b4",
          "originalTransactionAmount": "728000000"
        }
      }
    }
  }
}

An example successful response looks like:

{
  "responseHeader": {
    "responseTimestamp": "1481899950236"
  },
  "paymentIntegratorFundsReservationId":
    "2eec3ece-66cf-4d0e-90ea-0933a0079753",
  "cardNetworkResult": {
    "passThroughResponseCodes": {
      "iso8583V1987ResponseCode": {
        "responseCode": "00",
        "responseCodeDescription": "Approved"
      }
    },
    "authorizationCode": "123456"
  },
  "addressVerificationResult": {
    "result": {
      "rawAvsResult": "M",
      "addressLine": "MATCH",
      "localityName": "MATCH",
      "administrativeAreaName": "MATCH",
      "postalCodeNumber": "MATCH",
      "countryCode": "MATCH",
      "nameOnCard": "MATCH"
    }
  },
  "cvnResult": "MATCH",
  "result": "SUCCESS",
  "reservationExpirationTimestamp": "1482460769503",
  "cardMetadata": {
    "issuerName": "exampleissuer",
    "issuingCountryCode": "IN",
    "networks": ["VISA"],
    "cardType": "CREDIT_CARD"
  },
  "additionalTransactionProcessingResult": {
    "storedCredentialInformationSuccessful": {
      "networkTransactionIdentifier": "cdf04f0d-44a8-4b5d-bf63-440e9194db33"
    }
  }
}

An example declined response looks like:

{
  "responseHeader": {
    "responseTimestamp": "1481899950236"
  },
  "paymentIntegratorFundsReservationId":
    "2eec3ece-66cf-4d0e-90ea-0933a0079753",
  "cardNetworkResult": {
    "passThroughResponseCodes": {
      "iso8583V1987ResponseCode": {
        "responseCode": "05",
        "responseCodeDescription": "Do not honor"
      },
      "merchantAdviceCode": {
        "responseCode": "03",
        "responseCodeDescription": "Do not try again"
      }
    }
  },
  "addressVerificationResult": {
    "result": {
      "rawAvsResult": "M",
      "addressLine": "MATCH",
      "localityName": "MATCH",
      "administrativeAreaName": "MATCH",
      "postalCodeNumber": "MATCH",
      "countryCode": "MATCH",
      "nameOnCard": "MATCH"
    }
  },
  "cvnResult": "MATCH",
  "result": "DO_NOT_HONOR",
  "reservationExpirationTimestamp": "1482460769503",
  "cardMetadata": {
    "issuerName": "exampleissuer",
    "issuingCountryCode": "IN",
    "networks": ["MASTERCARD"],
    "cardType": "CREDIT_CARD"
  },
  "additionalTransactionProcessingResult": {
    "storedCredentialInformationUnsupported": {}
  }
}

HTTP request

POST https://www.integratorhost.example.com/integrator-base-path/v1/payment-integrator-korea-cards-api/reserveFunds

Request body

The request body contains data with the following structure:

JSON representation

{ "requestHeader": { object (RequestHeader) }, "paymentIntegratorAccountId": string, "accountDetails": { object (AccountDetails) }, "currencyCode": string, "amount": string, "transactionDescription": string, "addressVerificationData": { object (AddressVerificationData) }, "additionalTransactionProcessingOptions": { object (AdditionalTransactionProcessingOptions) }, // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "merchantCategoryCode": string, "merchantCategoryCodeNotPresent": { object (Empty) } // End of mutually exclusive fields. }

Fields
requestHeader	object (RequestHeader) REQUIRED: Common header for all requests.
paymentIntegratorAccountId	string REQUIRED: This is the payment integrator account identifier that identifies contractual constraints around this transaction.
accountDetails	object (AccountDetails) REQUIRED: Data about the user's payment card.
currencyCode	string REQUIRED: ISO 4217 3-letter currency code.
amount	string (Int64Value format) REQUIRED: The amount of the purchase, in micros of the currency unit.
transactionDescription	string REQUIRED: This is the description of the transaction that can be put on the customer's statement. This format can be changed without notice and must never be parsed. This field is classified as SPII because it can contain sensitive information, for example one-time password.
addressVerificationData	object (AddressVerificationData) OPTIONAL: The user's address to be verified by AVS.
additionalTransactionProcessingOptions	object (AdditionalTransactionProcessingOptions) REQUIRED: Used to specify additional details about a transaction that might not apply to every region or situation. This is used to enable particular features, such as 3DS, specify details about how a transaction should be processed, or provide additional information that can be used to authenticate the transaction. If these fields are specified then they should be applied for the transaction.
REQUIRED: The option for providing the merchant category code. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
merchantCategoryCode	string This is the ISO 18245 merchant category code (MCC) identifying the type of goods/services being purchased by the user.
merchantCategoryCodeNotPresent	object (Empty) Indicates that the merchant category code is not present. This option is used specifically for certain regions (such as Korea) or cases where MCC is not required by the payment integrator.
End of mutually exclusive fields.

Response body

This method supports multiple return types. For additional information about what 4XX or 5XX HTTP status code to return with an ErrorResponse, consult the ErrorResponse object and HTTP status codes documentation.

Possible response messages
HTTP 200 Status	object (ReserveFundsResponse)
HTTP 4XX / 5XX Status	object (ErrorResponse)
End of mutually exclusive fields.

AccountDetails

Contains data related to the user's payment card.

JSON representation
{ // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "card": { object (Card) }, "paymentToken": { object (PaymentToken) } // End of mutually exclusive fields. }

Fields
REQUIRED: The card details. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
card	object (Card) Representation of a card in its physical format (i.e. the FPAN).
paymentToken	object (PaymentToken) Representation of a card that has been tokenized by the network.
End of mutually exclusive fields.

PaymentToken

The representation of a card after it has been tokenized by the network.

JSON representation

{ "nameOnCard": string, "paymentTokenAccountNumber": string, "expiryMonth": string, "expiryYear": string, "cryptogram": string, // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "tokenTypeDeviceToken": { object (Empty) }, "tokenTypeMerchantToken": { object (Empty) }, "tokenTypeUnsupported": { object (Empty) }, "tokenTypeNotApplicable": { object (Empty) } // End of mutually exclusive fields. }

Fields
nameOnCard	string REQUIRED: The customer's name as it appears on the card.
paymentTokenAccountNumber	string REQUIRED: The account number for the payment token.
expiryMonth	string OPTIONAL: Expiration month, formatted MM.
expiryYear	string OPTIONAL: Expiration year, formatted YY.
cryptogram	string OPTIONAL: The single-use key generated by the token provider for the transaction.
REQUIRED: The type of token. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
tokenTypeDeviceToken	object (Empty) The token is bound to a device. It is represented by a DPAN and was generated by the user going through a SCA (Strong Customer Authentication) / Step Up flow.
tokenTypeMerchantToken	object (Empty) The token is bound to a merchant. It could be used while the user is offline and might be accompanied by additional, transaction time authentication details, such as 3DS2.
tokenTypeUnsupported	object (Empty) Unsupported token type.
tokenTypeNotApplicable	object (Empty) Payment token type is not applicable. Not passed in the request.
End of mutually exclusive fields.

AdditionalTransactionProcessingOptions

Contains additional information relevant to processing the payment.

JSON representation

{ // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "userSelectedProcessingNetworkType": enum (UserSelectedProcessingNetworkType), "userSelectedProcessingNetworkTypeNotApplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "electronicCommerceIndicator": string, "electronicCommerceIndicatorNotApplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "threeDSecureAuthenticationDetails": { object (ThreeDSecureAuthenticationData) }, "threeDSecureNotAppplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "storedCredentialTransactionInformation": { object (StoredCredentialTransactionInformation) }, "storedCredentialTransactionInformationNotApplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "pin": string, "pinNotApplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "connectingInformation": string, "connectingInformationNotApplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "dateOfBirth": string, "dateOfBirthNotApplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "businessIdentifier": string, "businessIdentifierNotApplicable": { object (Empty) } // End of mutually exclusive fields. // The following is a list of mutually exclusive fields. At most one of the // fields will be set in a response: "scaExemptionNotApplicable": { object (Empty) }, "scaLowValueTransaction": { object (Empty) }, "scaTransactionRiskAnalysis": { object (Empty) } // End of mutually exclusive fields. }

Fields
REQUIRED: Indicates the user's preference on which network type the payment should be processed. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
userSelectedProcessingNetworkType	enum (UserSelectedProcessingNetworkType) User-provided preference for network type.
userSelectedProcessingNetworkTypeNotApplicable	object (Empty) User selection not relevant to this card or transaction.
End of mutually exclusive fields.
REQUIRED: The numeric ECI value to be sent to the network. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
electronicCommerceIndicator	string The Electronic Commerce Indicator representing a numeric value defined by the card network. This should be sent to the network with the transaction.
electronicCommerceIndicatorNotApplicable	object (Empty) An ECI is not used for this transaction.
End of mutually exclusive fields.
REQUIRED: This union contains the authentication details of the payment processed. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
threeDSecureAuthenticationDetails	object (ThreeDSecureAuthenticationData) Proof of a successful 3DS2 authentication.
threeDSecureNotAppplicable	object (Empty) 3DS2 was not performed for this transaction.
End of mutually exclusive fields.
REQUIRED: Information pertaining to the usage of stored credentials. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
storedCredentialTransactionInformation	object (StoredCredentialTransactionInformation) Information pertaining to the usage of stored credentials within the CIT/MIT framework.
storedCredentialTransactionInformationNotApplicable	object (Empty) Stored credential information is not applicable for this payment.
End of mutually exclusive fields.
REQUIRED: This union contains the PIN associated with the specified payment. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
pin	string The PIN associated with this transaction.
pinNotApplicable	object (Empty) This transaction does not have an associated PIN.
End of mutually exclusive fields.
REQUIRED: This union contains the connecting information associated with the specified payment. It is used to satisfy the I-PIN requirements for transactions in Korea. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
connectingInformation	string The connecting information (CI) that should be associated with this transaction.
connectingInformationNotApplicable	object (Empty) 3DS2 was not performed for this transaction.
End of mutually exclusive fields.
REQUIRED: This union contains the date of birth of the user associated with the account making the payment. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
dateOfBirth	string Date of birth in 'YYYY-MM-DD' format.
dateOfBirthNotApplicable	object (Empty) The account holder's date of birth is not necessary for this transaction.
End of mutually exclusive fields.
REQUIRED: This union contains the business identifier associated with the specified payment. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
businessIdentifier	string The business identifier associated with this payment.
businessIdentifierNotApplicable	object (Empty) The business identifier is not applicable for this payment.
End of mutually exclusive fields.
OPTIONAL: Provides information about the type of SCA exemption that is requested for this transaction from the issuer. The following is a list of mutually exclusive fields. At most one of the fields will be set in a response:
scaExemptionNotApplicable	object (Empty) No exemption is requested for this transaction.
scaLowValueTransaction	object (Empty) A low value exemption is requested for this transaction.
scaTransactionRiskAnalysis	object (Empty) A low risk exemption is requested for this transaction.
End of mutually exclusive fields.

UserSelectedProcessingNetworkType

Used to indicate the desired network type for the transaction to be processed on.

Enums
PROCESSING_NETWORK_TYPE_UNSPECIFIED	Do not ever set this default value!
CREDIT	The payment should be processed on a credit network.
DEBIT	The payment should be processed on a debit network.

ThreeDSecureAuthenticationData

Contains 3-D Secure v2 Authentication details relavent to payment processing.

JSON representation
{ "directoryServerTransactionId": string, "cavv": string, "threeDsVersion": string, "threeDsServerTransactionId": string, "transStatus": string }

Fields
directoryServerTransactionId	string REQUIRED: Unique transaction identifier assigned and returned by the directory server as a part of successful authentication result. As per the EMVCo 3-D Secure spec v2, this is a UUID following IETF RFC 4122.
cavv	string REQUIRED: Cardholder Authentication Verification Value, the proof of authentication, returned by the ACS and is in Base64 format.
threeDsVersion	string REQUIRED: The version of 3DS v2 used to process the authentication. The field is populated with the value returned by the ACS.
threeDsServerTransactionId	string OPTIONAL: Universally unique transaction identifier assigned by the 3DS Server to identify a single transaction.
transStatus	string OPTIONAL: The final status of the 3DS flow which resulted in the cardholder authentication information associated with this request. Refer to EMVCo's 3DS specifications for additional details.

ReserveFundsResponse

Response object for the payment integrator hosted korea-cards-v1.reserveFunds method.

JSON representation

{ "responseHeader": { object (ResponseHeader) }, "paymentIntegratorFundsReservationId": string, "cardNetworkResult": { object (CardNetworkResult) }, "addressVerificationResult": { object (AddressVerificationResult) }, "cvnResult": enum (CvnResult), "result": enum (ReserveFundsResultCode), "reservationExpirationTimestamp": string, "cardMetadata": { object (CardMetadata) }, "additionalTransactionProcessingResult": { object (AdditionalTransactionProcessingResult) } }

Fields
responseHeader	object (ResponseHeader) REQUIRED: Common header for all responses.
paymentIntegratorFundsReservationId	string OPTIONAL: This identifier is specific to the integrator and is generated by the integrator. This is the identifier that the integrator knows this transaction by. For convenience, this identifier is included with in the remittance details
cardNetworkResult	object (CardNetworkResult) REQUIRED: The result of issuing the authorization on the card network.
addressVerificationResult	object (AddressVerificationResult) REQUIRED: The result of verifying the address fields sent in the request.
cvnResult	enum (CvnResult) REQUIRED: The result of verifying the CVN sent in the request. If the CVN was not set on the request, this value should be NOT_SENT.
result	enum (ReserveFundsResultCode) REQUIRED: Result of this call.
reservationExpirationTimestamp	string (int64 format) OPTIONAL: Timestamp of the expiration of this reservation of funds represented as milliseconds since epoch. If korea-cards-v1.asynchronousCaptureFundsReservation is called after this timestamp, a CaptureFundsReservationResultNotification must be sent to Google with the code RESERVATION_OF_FUNDS_EXPIRED If korea-cards-v1.asynchronousCancelFundsReservation is called after this timestamp and the integrator has already issued an automatic cancel, a CancelFundsReservationResultNotification must be sent to Google with the code SUCCESS. If the integrator has not issued an automatic cancel, the request must be processed normally and the reservation of funds must be canceled.
cardMetadata	object (CardMetadata) REQUIRED: Optional metadata about the card that may be useful for future processing and debugging.
additionalTransactionProcessingResult	object (AdditionalTransactionProcessingResult) REQUIRED: Information resulting from additional processing options sent in the request. Note: This field will transition to be required.

ReserveFundsResultCode

Result codes for the reserveFunds method.

Enums
RESERVE_FUNDS_RESULT_CODE_UNSPECIFIED	Do not ever set this default value!
SUCCESS	Reserve funds notification was successfully processed.
CARD_ACTIVITY_EXCEEDS_AMOUNT_LIMIT	The recent activity on the user's card has exceeded the total amount allowed by the issuer.
CARD_ACTIVITY_EXCEEDS_COUNT_LIMIT	The recent activity on the user's card has exceeded the number of transactions allowed by the issuer.
CARD_AUTHENTICATION_FAILED	The network specified that the card authentication failed.
CARD_EXPIRATION_DATE_INVALID	The expiration date on the card was invalid.
CARD_EXPIRED	The card has expired.
CARD_LOST_OR_STOLEN	The card has been lost or stolen. This includes 'Pickup' responses from the network.
CARD_NOT_ACTIVATED	The card has not been activated. Also referred to as "Blocked, first used".
CARD_NUMBER_INVALID	The card number is invalid.
CARD_REQUIRES_FUNDS_TRANSFER	This card does not support the Reserve Capture (dual message) protocol. Instead use use the Funds Transfer (single message) service.
CUSTOMER_INFO_INVALID	The provided customer info is invalid.
CVN_MISMATCH	The transaction was declined because the CVN did not match.
DO_NOT_HONOR	The network returned "Do not honor".
INSUFFICIENT_FUNDS	Insufficient funds on the user's account.
ISSUER_DECLINED	The transaction was declined by the issuer.
REVOCATION_OF_AUTHORIZATION	The network returned "Revocation of authorization order".
STOP_PAYMENT	The network returned "stop payment".
SUSPECTED_FRAUD	The issuer suspects that this transaction is fraud.
TRANSACTION_COULD_NOT_BE_ROUTED	The Network could not route this transaction for processing.
TRANSACTION_UNDER_AMOUNT_LIMIT	Requested amount does not meet the minimum per-transaction amount.
TRANSACTION_EXCEEDS_AMOUNT_LIMIT	Requested amount exceeds the maximum per-transaction limit.
TRANSACTION_INVALID	The network returned invalid transaction.
TRANSACTION_NOT_ALLOWED	This transaction is not allowed in this context (e.g. country).
RECURRING_PAYMENT_NOT_SUPPORTED	An attempt was made to charge for a recurring transaction, but it is not supported.
NETWORK_TIMEOUT	There was a timeout while attempting to process the card.
RESTRICTED_CARD	The card is restricted from making this type of purchase.
CARD_AUTHENTICATION_EXPIRED	The card authentication has expired.
STRONG_CUSTOMER_AUTHENTICATION_REQUIRED	The customer must complete Strong Customer Authentication (SCA), and the proof of authentication must be provided along with the payment authorization request, for this transaction to succeed.
CARD_CANCELLED	The card is no longer valid.
PIN_MISMATCH	The PIN on the card did not match the one provided in the request.
DOB_OR_BRN_MISMATCH	The date of birth or business registration number did not match.