Payment declined

Last updated: September 3, 2025
This event occurs when a payment authorization or a payout times out, or is rejected 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      "exemption": "none",
38      "challenged": false
39    },
40    "cko_network_token_available":  true,
41    "pan_type_processed": "fpan",    
42    "response_code": "20005",
43    "response_summary": "Declined - Do Not Honour",
44    "risk": {
45      "flagged": false,
46      "score": 0
47    },
48    "scheme_id": "399198565818571",
49    "eci": "07",
50    "source": {
51      "id": "src_d5e4jlpi3syepp7nrjo3jk734a",
52      "type": "card",
53      "card_wallet_type": "applepay",
54      "billing_address": {
55        "line1": "123 High St.",
56        "line2": "Flat 456",
57        "town_city": "London",
58        "state": "Greater London",
59        "zip": "SW1A 1AA",
60        "country": "UK"
61      },
62      "expiry_month": 6,
63      "expiry_year": 2025,
64      "name": "Chakram Visa Customer",
65      "scheme": "VISA",
66      "last_4": "9256",
67      "fingerprint": "8154D9068FD3BDF8F2A33CBC8838614D026C7CADFB654FB29F2090034677B2C2",
68      "bin": "453946",
69      "card_type": "CREDIT",
70      "card_category": "CONSUMER",
71      "issuer": "UNICAJA BANCO",
72      "issuer_country": "ES",
73      "product_type": "CLASSIC",
74      "avs_check": "G",
75      "cvv_check": "Y"
76    },
77    "event_links": {
78      "payment": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq",
79      "payment_actions": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"
80    },
81    "retry": {
82      "attempts_made": 1,
83      "max_attempts": 10,
84      "ends_on": "2023-06-34T15:24:56.9871232Z",
85      "next_attempt_on": "2023-05-30T15:56:27.2965834Z"
86    }    
87  },
88  "_links": {
89    "self": {
90      "href": "https://api.checkout.com/workflows/events/evt_wlbf3ivtsjjuxjabg3jlju4ysa"
91    },
92    "subject": {
93      "href": "https://api.checkout.com/workflows/events/subject/pay_do6kcxcq4pwehkbrupwnohnbyq"
94    },
95    "payment": {
96      "href": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq"
97    },
98    "payment_actions": {
99      "href": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"
100    }
101  }
102}
Example webhook
