Payment declined
Last updated: May 21, 2025
This event occurs when a payment authorization request times out, or if there is a rejection during authorization. For example, due to insufficient funds, the issuer blocking the card, or a Do Not Honor instruction.
1{2"id": "evt_wlbf3ivtsjjuxjabg3jlju4ysa",3"type": "payment_declined",4"version": "1.0.29",5"created_on": "2023-05-24T09:31:19.3352174Z",6"data": {7"id": "pay_do6kcxcq4pwehkbrupwnohnbyq",8"action_id": "act_kjxqqajgnyie3l66ujvddw7gqm",9"reference": "ORD-5023-4E89",10"amount": 40000,11"auth_code": "710130",12"currency": "EUR",13"customer": {14"id": "cus_m3cixs4slzcelfjmdcodlgyvkq",15"email": "[email protected]"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": "2023-05-24T09:31:17.4752751Z",24"processing": {25"acquirer_transaction_id": "623951711607972924924",26"Aft": "False",27"retrieval_reference_number": "053353257136",28"partner_merchant_advice_code": "24"29},30"3ds": {31"downgraded": false,32"enrolled": "Y",33"authentication_response": "N",34"authentication_status_reason": "01",35"eci": "07",36"version": "2.2.0"37},38"cko_network_token_available": true,39"pan_type_processed": "fpan",40"response_code": "20005",41"response_summary": "Declined - Do Not Honour",42"risk": {43"flagged": false,44"score": 045},46"scheme_id": "399198565818571",47"eci": "07",48"source": {49"id": "src_d5e4jlpi3syepp7nrjo3jk734a",50"type": "card",51"card_wallet_type": "applepay",52"billing_address": {53"line1": "123 High St.",54"line2": "Flat 456",55"town_city": "London",56"state": "Greater London",57"zip": "SW1A 1AA",58"country": "UK"59},60"expiry_month": 6,61"expiry_year": 2025,62"name": "Chakram Visa Customer",63"scheme": "VISA",64"last_4": "9256",65"fingerprint": "8154D9068FD3BDF8F2A33CBC8838614D026C7CADFB654FB29F2090034677B2C2",66"bin": "453946",67"card_type": "CREDIT",68"card_category": "CONSUMER",69"issuer": "UNICAJA BANCO",70"issuer_country": "ES",71"product_type": "CLASSIC",72"avs_check": "G",73"cvv_check": "Y"74},75"event_links": {76"payment": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq",77"payment_actions": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"78},79"retry": {80"attempts_made": 1,81"max_attempts": 10,82"ends_on": "2023-06-34T15:24:56.9871232Z",83"next_attempt_on": "2023-05-30T15:56:27.2965834Z"84}85},86"_links": {87"self": {88"href": "https://api.checkout.com/workflows/events/evt_wlbf3ivtsjjuxjabg3jlju4ysa"89},90"subject": {91"href": "https://api.checkout.com/workflows/events/subject/pay_do6kcxcq4pwehkbrupwnohnbyq"92},93"payment": {94"href": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq"95},96"payment_actions": {97"href": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"98}99}100}