Card verification declined

Last updated: June 10, 2026
This event occurs when a card verification is declined.

1{
2  "id": "evt_dhe3c5hoez4ehidr6dm5pec2vq",
3  "type": "card_verification_declined",
4  "version": "1.0.29",
5  "created_on": "2023-05-22T11:54:22.7684024Z",
6  "data": {
7    "id": "pay_uud5rtebetaulj4eemoswe4bay",
8    "action_id": "act_aqodvlv3j2hepllfhhvywyewyu",
9    "reference": "ORD-5023-4E89",
10    "amount": 0,
11    "auth_code": "732847",
12    "currency": "USD",
13    "customer": {
14      "id": "cus_m3cixs4slzcelfjmdcodlgyvkq",
15      "email": "test.449ng7viic@checkout.com"
16    },
17    "payment_ip": "203.0.113.0",
18    "metadata": {
19      "coupon_code": "NY2018",
20      "partner_id": "123989"
21    },
22    "payment_type": "Regular",
23    "processed_on": "2023-05-22T11:54:18.4656761Z",
24    "processing": {
25      "acquirer_transaction_id": "140784603603720152040",
26      "retrieval_reference_number": "174961578809"
27    },
28    "response_code": "20005",
29    "response_summary": "Declined - Do Not Honour",
30    "risk": {
31      "flagged": false
32    },
33    "scheme_id": "413625246928682",
34    "source": {
35      "id": "src_d5e4jlpi3syepp7nrjo3jk734a",
36      "type": "card",
37      "billing_address": {
38        "line1": "123 High St.",
39        "line2": "Flat 456",
40        "town_city": "London",
41        "state": "Greater London",
42        "zip": "SW1A 1AA",
43        "country": "UK"
44      },
45      "expiry_month": 6,
46      "expiry_year": 2025,
47      "name": "Chakram Visa Customer",
48      "scheme": "VISA",
49      "last_4": "9256",
50      "fingerprint": "8154D9068FD3BDF8F2A33CBC8838614D026C7CADFB654FB29F2090034677B2C2",
51      "bin": "453946",
52      "card_type": "CREDIT",
53      "card_category": "CONSUMER",
54      "issuer": "Test Bank Ltd.",
55      "issuer_country": "GB",
56      "product_type": "CLASSIC",
57      "avs_check": "G",
58      "cvv_check": "Y",
59      "payment_account_reference_number": "V0010013022456589000040720006"
60    },
61    "event_links": {
62      "payment": "https://{prefix}.api.checkout.com/payments/pay_uud5rtebetaulj4eemoswe4bay",
63      "payment_actions": "https://{prefix}.api.checkout.com/payments/pay_uud5rtebetaulj4eemoswe4bay/actions"
64    }
65  },
66  "_links": {
67    "self": {
68      "href": "https://{prefix}.api.checkout.com/workflows/events/evt_dhe3c5hoez4ehidr6dm5pec2vq"
69    },
70    "subject": {
71      "href": "https://{prefix}.api.checkout.com/workflows/events/subject/pay_uud5rtebetaulj4eemoswe4bay"
72    },
73    "payment": {
74      "href": "https://{prefix}.api.checkout.com/payments/pay_uud5rtebetaulj4eemoswe4bay"
75    },
76    "payment_actions": {
77      "href": "https://{prefix}.api.checkout.com/payments/pay_uud5rtebetaulj4eemoswe4bay/actions"
78    }
79  }
80}
Example webhook
