Authorization declined
Last updated: November 6, 2024
This Issuing event occurs when you decline an authorization relay request for a transaction on an issued card.
1{2"id": "evt_az5sblvku4ge3dwpztvyizgcau",3"type": "authorization_declined",4"version": "2.0.0",5"created_on": "2018-04-10T08:13:14Z",6"data": {7"id": "msg_abcd5fg6hievapshljklmnop4",8"card": {9"id": "crd_fa6psq242dcd6fdn5gifcq1491",10"metadata": {11"reference": "X-123456-N11",12"udf1": "metadata1",13"udf2": "metadata2",14"udf3": "metadata3",15"udf4": "metadata4",16"udf5": "metadata5"17}18},19"cardholder":{20"id": "crh_urdihafyo75evcr55s62jmwwhy"21},22"entity":{23"id": "ent_urdihafyo75evcr55s62jmwwhy"24},25"client":{26"id": "cli_urdihafyo75evcr55s62jmwwhy"27},28"transaction_id": "trx_y3oqhf46pyzuxjbcn2giaqnb44",29"transaction_type": "purchase",30"transmission_date_time": "2018-04-10T08:12:14Z",31"local_transaction_date_time": "2018-04-10T08:12:14",32"authorization_type": "final_authorization",33"transaction_amount": 1000,34"transaction_currency": "GBP",35"billing_amount": 900,36"billing_currency": "EUR",37"billing_conversion_rate": 0.925643,38"ecb_conversion_rate": 0.9,39"digital_card_information": {40"digital_card_id": "dcr_fa6psq242dcd6fdn5gifcq1491",41"device_type": "phone",42"wallet_type": "apple_pay"43},44"merchant": {45"merchant_id": "59889",46"name" : "Carrefour",47"city": "Paris",48"state": "",49"country": "FRA",50"category_code": "5021",51"street_address": "Wenlock Works, Shepherdess Walk"52},53"decline_reason": "insufficient_funds",54"transit_information": {55"transaction_type": "authorized_aggregated_split_clearing",56"transportation_mode": "urban_bus"57},58"point_of_sale_transaction_date" : "2023-04-25",59"reference_transaction": {60"transaction_id": "trx_fa6psq242dcd6fdn5gifcq1491",61"reference_type": "original_recurring"62},63"three_d_secure": {64"requested_exemption_or_exclusion": "merchant_initiated_transaction",65"sca_not_required_reason": "merchant_initiated_transaction"66},67"pos": {68"country_code": "GBR",69"postal_code": "SE100ER",70"card_present": "present",71"cardholder_present": "not_present",72"entry_mode": "ecommerce"73},74"authorization_relay": {75"result": "declined",76"client_response": {77"result": "declined",78"reason_code": "insufficient_funds"79}80}81}82}
Field name | Description |
---|---|
string | The unique identifier for the event. |
string | The type of event. |
string | The version of the webhook. |
datetime | The date and time when the event was triggered in UTC. |
object | The notification payload. |
Field name | Description |
---|---|
string | The unique identifier for the notification. |
object | Contains information about the card used for this transaction. |
object | Contains information about the cardholder. |
object | Contains information about your entity. |
object | Contains information about you as a Checkout.com client. |
string | The unique identifier for the transaction, which links together all related authorization, reversal, and clearing messages. |
string | The type of transaction. This can be one of:
|
datetime | The date and time when the transaction message entered the card scheme's network in UTC. |
string | The local date and time when the transaction was initiated. |
string | The type of authorization we received from the card scheme. This can be one of:
|
uint64 | The transaction amount, in the minor currency unit. |
string | The acquirer’s local currency, or the local currency of the transaction’s source location. |
uint64 | The amount you bill the cardholder for, in the minor currency unit. If currency conversion is required, this is based on Mastercard rates. |
string | The currency in which you bill the cardholder. |
double | The card scheme conversion rate used to convert the transaction amount to the billing amount. |
double optional | The European Central Bank (ECB) comparative rate that is communicated to the cardholder for a currency conversion when the |
object | Contains information about the digital card used for this transaction. |
object | Contains information about the merchant associated with this transaction. |
string | The reason why the authorization was declined. This can be one of:
See the Issuing decline codes documentation for more information. |
object | Contains information about transit transactions. |
string | The date of the transaction at the point of sale. |
object optional | Contains information about the reference transaction. |
object optional | Contains information about the 3D Secure (3DS) challenge for the transaction. |
object | Contains information about the conditions at the point of sale (PoS) at the time of the transaction. |
object optional | Contains information about the authorization relay response. |
Field name | Description |
---|---|
string | The unique identifier for the card. |
object optional | Contains information about user-defined metadata. |
Field name | Description |
---|---|
string | The unique identifier for the cardholder. |
Field name | Description |
---|---|
string | The unique identifier for your entity. |
Field name | Description |
---|---|
string | Your unique identifier as a Checkout.com client. |
Field name | Description |
---|---|
string | The unique identifier for the digital card. |
string | The type of device. This can be one of:
|
string optional | The type of wallet. This can be one of:
|
Field name | Description |
---|---|
string | The merchant's identifier. This may vary from one acquirer to another. |
string | The merchant's name. |
string | The city where the merchant is located. |
string optional | For US merchants, the state where the merchant is located. For other merchants, the value is |
string | The country where the merchant is located. |
string | The merchant's four-digit category code. Merchants can have multiple category codes. |
string | The merchant's street address. |
Field name | Description |
---|---|
string | The authorization model the transit operator uses. This can be one of:
|
string | The transport method used to travel. This can be one of:
|
Field name | Description |
---|---|
string | The unique identifier for the reference transaction. |
string | The type of reference transaction. This can be one of:
|
Field name | Description |
---|---|
string optional | The exemption or exclusion requested by the acquirer/merchant. This can be one of:
|
string optional | The exemption or exclusion used to approve an unauthenticated authorization. This can be one of:
|
Field name | Description |
---|---|
string | The country where the PoS is located. |
string | The postal code where the PoS is located. |
string | Indicates if the card was present to initiate the transaction. This can be one of:
|
string | Indicates if the cardholder was present to initiate the transaction. This can be one of:
|
string | The way the card initiated the transaction at the terminal. This can be one of:
|
Field name | Description |
---|---|
string | The final authorization decision returned by the authorization relay. This can be one of:
|
object optional | Contains information about the authorization decision returned by your server |
string | Your authorization decision. This can be one of:
If you have stand-in mode enabled for this entity, it is triggered if |
string optional | The reason why you declined the authorization. This can be one of:
|
object optional | Contains information about the authorization decision returned by stand-in mode, if enabled. |
string | The authorization decision returned by stand-in mode. This can be one of:
|