Why does iPay88 respond «Fail(System Error)»?

Extensions iPay88
1 
{
    "ActionType": "",
    "Amount": "1.00",
    "AuthCode": "000000",
    "BankMID": "5501643294",
    "BindCardErrDesc": "",
    "CCName": "Dmitry Fedyuk?",
    "CCNo": "510069xxxxxx0175",
    "Currency": "MYR",
    "ErrDesc": "Fail(System Error)",
    "ExpiryDate": "",
    "MerchantCode": "M11156",
    "OldTokenId": "",
    "PANTrackNo": "",
    "PayerEmail": "",
    "PaymentId": "2",
    "RefNo": "1000002109",
    "Remark": "fiffybaby.com // Dmitry Fedyuk // 1000002109",
    "S_bankname": "AO RAIFFEISENBANK",
    "S_country": "RU",
    "Signature": "nHDWsaCi9odugLPPueiXljnuQW4=",
    "Status": "0",
    "TokenId": "",
    "TranDate": "2018-02-06",
    "TransId": "T135990510300"
}

03

2

I have got a response from iPay88 (in 16 days):

based from checking the error is due to 3D failure which triggered error “Fail (System Error)”.