创建代金券，参数没有指定支付，但返回不可叠加其它优惠是什么原因？

{"code":"PARAM_ERROR","message":"指定了支付方式，但设置为不可叠加其它优惠"}

create stock request:{"stock_type":"NORMAL","coupon_use_rule":{"available_merchants":["1363773702","1363782402","163783102","1363784802","1363785202","1363787502","1363788002"],"coupon_available_time":{"available_time_after_receive":30,"second_day_available":true},"combine_use":false,"limit_pay":["CMBC_CREDIT"],"fixed_normal_coupon":{"coupon_amount":100,"transaction_minimum":101}},"no_cash":false,"stock_use_rule":{"prevent_api_abuse":true,"max_amount_by_day":1000,"natural_person_limit":true,"max_amount":1000,"max_coupons_per_user":10,"max_coupons":10},"stock_name":"民生信用卡&中石化","available_end_time":"2023-04-30T23:59:59+08:00","pattern_info":{"merchant_logo":"https://wxpaylogo.qpic.cn/wxpaylogo/PiajxSqBRaEIPAeia7ImvtspaeQCLsk2n90ESMKTyxXCVBvIiaswdViaRw/0","description":"指定中石化商户立减金"},"belong_merchant":"1588519301","out_request_no":"95d88306e49945d7bffed187f94540b3","available_begin_time":"2023-04-26T10:19:19+08:00"}