Xpay 가상계좌 URL 통보 실패 사유 확인 요청드립니다

{
    "CST_PLATFORM": "service",
    "CST_MID": "go_ych",
    "LGD_MID": "go_ych",
    "LGD_OID": "2509212358000001",
    "LGD_PRODUCTINFO": "BOOTS CUT PANTS NAVY F25PT5152NV 외 2 ...",
    "LGD_AMOUNT": "1278000",
    "LGD_CURRENCY": "410",
    "LGD_CUSTOM_FIRSTPAY": "SC0040",
    "LGD_CUSTOM_USABLEPAY": "SC0040",
    "LGD_CUSTOM_SKIN": "SMART_XPAY2",
    …
    "LGD_HASHDATA": "08027e626f93bd7f67765f5b5f14b8e5",
    "LGD_TIMESTAMP": "20250921235815",
    "LGD_WINDOW_TYPE": "submit",
    "LGD_CUSTOM_SWITCHINGTYPE": "SUBMIT",
    "LGD_CUSTOM_PROCESSTYPE": "TWOTR",
    "LGD_VERSION": "PHP_SmartXPay_1.0",
    "LGD_WINDOW_VER": "2.5",
    "LGD_ENCODING": "UTF-8",
    "LGD_ENCODING_NOTEURL": "UTF-8",
    "LGD_ESCROW_USEYN": "N",
    "LGD_INSTALLRANGE": "0:2:3:4:5:6:7:8:9:10:11:12",
    "LGD_NOINTINF": "",
    "LGD_CASHRECEIPTYN": "Y",
    "LGD_USABLEBANK": "",
    "LGD_MTRANSFERAUTOAPPYN": "N",
    "LGD_MTRANSFERWAPURL": "",
    "LGD_MTRANSFERCANCELURL": "",
    "LGD_USABLECASBANK": "",
    "LGD_CLOSEDATE": "20250924235815",
    "LGD_CASNOTEURL": "http://m.ych.co.kr/payment/lguplus/pg_vbank_return.php",
    "LGD_RETURNURL": "http://m.ych.co.kr/payment/lguplus/pg_return_url.php",
    "LGD_CUSTOM_ROLLBACK": "C",
    "LGD_KVPMISPAUTOAPPYN": "N",
    "LGD_KVPMISPWAPURL": "",
    "LGD_KVPMISPCANCELURL": "",
    "LGD_RESPCODE": "",
    "LGD_RESPMSG": "",
    "LGD_PAYKEY": ""
}