调用发送普通红包接口时返回值如下：

array(10) {

  ["return_code"] => string(7) "SUCCESS"

  ["return_msg"] => string(24) "商户账户付款受限"

  ["result_code"] => string(4) "FAIL"

  ["err_code"] => string(22) "PAYER_ACCOUNT_ABNORMAL"

  ["err_code_des"] => string(24) "商户账户付款受限"

  ["mch_billno"] => string(3) "415"

  ["mch_id"] => string(10) "xxx"

  ["wxappid"] => string(18) "xxx"

  ["re_openid"] => string(28) "xxx"

  ["total_amount"] => string(3) "100"

}

我查了一下商户号也没有违约记录，请问一下这是为什么啊？