Reversal declined

Last updated: September 24, 2025

This Issuing event occurs when a reversal is declined because no match was found with a previous authorization approval, or because the transaction is already voided.

A reversal is a technical cancellation in which an authorization hold is voided, without any movement of funds.


1{
2  "id": "evt_az5sblvku4ge3dwpztvyizgcau",
3  "type": "reversal_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      "scheme" : "mastercard"
11    },
12    "cardholder":{
13      "id": "crh_urdihafyo75evcr55s62jmwwhy"
14    },
15    "entity":{
16      "id": "ent_urdihafyo75evcr55s62jmwwhy"
17    },
18    "client":{
19      "id": "cli_urdihafyo75evcr55s62jmwwhy"
20    },
21    "decision_source": "issuer",
22    "transaction_id": "trx_y3oqhf46pyzuxjbcn2giaqnb44",
23    "transaction_type": "purchase",
24    "reversal_type": "full",
25    "transmission_date_time": "2018-04-10T08:12:14Z",
26    "local_transaction_date_time": "2018-04-10T08:12:14",
27    "reversal_amount": 1000,
28    "reversal_currency": "GBP",
29    "reversal_billing_amount": 900,
30    "reversal_billing_currency": "EUR",
31    "digital_card_information": {             
32      "digital_card_id": "dcr_fa6psq242dcd6fdn5gifcq1491",
33      "device_type": "phone",                 
34      "wallet_type": "apple_pay"              
35    },
36    "decline_reason": "original_transaction_not_found"
37  }
38}

Note

If you receive a decline_reason field in your response, refer to the Issuing decline codes documentation for more information.

Field name Description

Field name	Description
`id` string	The transaction's unique Checkout.com identifier.
`card` object	Information about the card used for this transaction. See the Card object for more details.
`cardholder` object	Information about the cardholder associated with this transaction. See the Cardholder section for more details.
`entity` object	Information about the entity associated with this transaction. See the Entity section for more details.
`client` object	Information about the client associated with this transaction. See the Client section for more details.
`decision_source` string optional	The party that made the decision to approve or decline the authorization. This can be one of: `issuer` – You have authorization relay stand-in mode enabled and Checkout.com made the decision on your behalf while your server was temporarily unavailable. `scheme` – In the rare event that Checkout.com's server was temporarily unavailable, the card scheme made the decision based on risk rules.
`transaction_id` string	The transaction's unique identifier, which links together all related authorization, reversal, and clearing messages. This is prefixed with `trx_`.
`transaction_type` string	The type of transaction. This can be one of: `balance_inquiry` `bill_payment` `cashback` `pin_change` `pin_unblock` `purchase` `purchase_account_inquiry` `refund` `remittance_funding` `withdrawal`
`reversal_type` string	The type of the reversal received. This can be one of: `full` `partial`
`transmission_date_time` string	The date and time when the transaction message entered the scheme network, in UTC. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
`local_transaction_date_time` string optional	The local date and time when the transaction was initiated. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
`reversal_amount` uint64	The reversal transaction amount, in the minor currency unit.
`reversal_currency` string	The acquirer’s local currency, or the local currency in the transaction’s source location, as an ISO 4217 code.
`reversal_billing_amount` uint64	The reversal's billing amount, in minor currency units. In case of a currency conversion, this will be based on Mastercard rates. For more information on how to calculate currency units, see Format the amount value.
`reversal_billing_currency` string	The currency in which the issuer will bill the cardholder, as an ISO 4217 code.
`digital_card_information` object optional	The digital card's details. See the Digital card information object.
`decline_reason`	The reason why the reversal was declined. This can be one of: `account_currency_mismatched` `amount_invalid` `authorization_relay_unreachable` `authorization_relay_verification_failed` `balance_verification_failed` `billing_amount_threshold_exceeded` `card_authentication_failed` `card_control_failed` `card_data_verification_failed` `card_expired` `card_inactive` `card_number_invalid` `card_number_not_found` `card_revoked` `card_suspended` `contactless_pin_change_not_allowed` `cvc2_invalid` `digital_card_deleted` `digital_card_expired` `digital_card_inactive` `digital_card_number_not_found` `digital_card_transaction_analysis_declined` `expiry_date_invalid` `insufficient_funds` `low_value_payment_amount_failed` `low_value_payment_count_failed` `merchant_category_not_allowed` `new_pin_data_not_received` `original_merchant_initiated_transaction_not_found` `original_recurring_transaction_not_found` `original_transaction_not_found` `partial_reversal_amount_invalid` `pin_change_failed` `pin_invalid` `reversal_currency_mismatched` `reversal_exceeds_authorized_amount` `scheme_fraud_score_missing` `scheme_fraud_score_threshold_exceeded` `scheme_merchant_data_validation_failed` `state_or_country_invalid` `system_malfunction` `three_d_secure_soft_declined` `transaction_invalid` `transaction_not_permitted_to_cardholder` `user_authentication_amount_mismatched` `user_authentication_currency_mismatched` `user_authentication_verification_failed` `user_authentication_verification_unavailable` `velocity_reached` `wallet_type_unsupported`

id

string

The transaction's unique Checkout.com identifier.

card

object

Information about the card used for this transaction.
See the Card object for more details.

cardholder

object

Information about the cardholder associated with this transaction. See the Cardholder section for more details.

entity

object

Information about the entity associated with this transaction. See the Entity section for more details.

client

object

Information about the client associated with this transaction. See the Client section for more details.

decision_source

string

optional

The party that made the decision to approve or decline the authorization.
This can be one of:

issuer – You have authorization relay stand-in mode enabled and Checkout.com made the decision on your behalf while your server was temporarily unavailable.
scheme – In the rare event that Checkout.com's server was temporarily unavailable, the card scheme made the decision based on risk rules.

transaction_id

string

The transaction's unique identifier, which links together all related authorization, reversal, and clearing messages. This is prefixed with trx_.

transaction_type

string

The type of transaction. This can be one of:

balance_inquiry
bill_payment
cashback
pin_change
pin_unblock
purchase
purchase_account_inquiry
refund
remittance_funding
withdrawal

reversal_type

string

The type of the reversal received. This can be one of:

full
partial

transmission_date_time

string

The date and time when the transaction message entered the scheme network, in UTC.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

local_transaction_date_time

string

optional

The local date and time when the transaction was initiated.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

reversal_amount

uint64

The reversal transaction amount, in the minor currency unit.

reversal_currency

string

The acquirer’s local currency, or the local currency in the transaction’s source location, as an ISO 4217 code.

reversal_billing_amount

uint64

The reversal's billing amount, in minor currency units. In case of a currency conversion, this will be based on Mastercard rates.

For more information on how to calculate currency units, see Format the amount value.

reversal_billing_currency

string

The currency in which the issuer will bill the cardholder, as an ISO 4217 code.

digital_card_information

object

optional

The digital card's details.
See the Digital card information object.

decline_reason

The reason why the reversal was declined. This can be one of:

account_currency_mismatched
amount_invalid
authorization_relay_unreachable
authorization_relay_verification_failed
balance_verification_failed
billing_amount_threshold_exceeded
card_authentication_failed
card_control_failed
card_data_verification_failed
card_expired
card_inactive
card_number_invalid
card_number_not_found
card_revoked
card_suspended
contactless_pin_change_not_allowed
cvc2_invalid
digital_card_deleted
digital_card_expired
digital_card_inactive
digital_card_number_not_found
digital_card_transaction_analysis_declined
expiry_date_invalid
insufficient_funds
low_value_payment_amount_failed
low_value_payment_count_failed
merchant_category_not_allowed
new_pin_data_not_received
original_merchant_initiated_transaction_not_found
original_recurring_transaction_not_found
original_transaction_not_found
partial_reversal_amount_invalid
pin_change_failed
pin_invalid
reversal_currency_mismatched
reversal_exceeds_authorized_amount
scheme_fraud_score_missing
scheme_fraud_score_threshold_exceeded
scheme_merchant_data_validation_failed
state_or_country_invalid
system_malfunction
three_d_secure_soft_declined
transaction_invalid
transaction_not_permitted_to_cardholder
user_authentication_amount_mismatched
user_authentication_currency_mismatched
user_authentication_verification_failed
user_authentication_verification_unavailable
velocity_reached
wallet_type_unsupported

Field name Description

Field name	Description
`id` string	The card's unique identifier, prefixed with `crd`.
`scheme` string	The card scheme that processed the payment. This can be one of: `mastercard` `visa`

id

string

The card's unique identifier, prefixed with crd.

scheme

string

The card scheme that processed the payment.
This can be one of:

mastercard
visa

Field name Description

Field name	Description
`id` string	The cardholder's unique identifier, prefixed with `crh_`.

id

string

The cardholder's unique identifier, prefixed with crh_.

Field name Description

Field name	Description
`id` string	The entity's unique identifier, prefixed with `ent_`.

id

string

The entity's unique identifier, prefixed with ent_.

Field name Description

Field name	Description
`id` string	The client's unique identifier, prefixed with `cli_`.

id

string

The client's unique identifier, prefixed with cli_.

Field name Description

Field name	Description
`digital_card_id` string	The digital card's unique identifier, prefixed with `dcr_`.
`device_type` string	The type of device used for the transaction. This can be one of: `card` `device_peripheral` `domestic_appliance` `fashion_accessory` `garment` `jewelry` `key_fob` `media_or_gaming_device` `mobile_phone_case_or_sleeve` `mobile_phone_network_operator_controlled_fixed_secure_element` `mobile_phone_network_operator_controlled_removable_secure_element` `mobile_phone_not_network_operator_controlled_fixed_secure_element` `mobile_phone_not_network_operator_controlled_removable_secure_element` `mobile_phone_payment_application_host_processor` `mobile_phone_payment_application_tee_host_processor` `mobile_tag` `pc` `phone` `removable_secure_element_not_network_operator_controlled` `sticker` `tablet_or_e_book_network_operator_controlled_fixed_secure_element` `tablet_or_e_book_not_network_operator_controlled_fixed_secure_element` `tablet_or_e_reader` `tablet_or_e_reader_payment_application_host_processor` `tablet_or_e_reader_payment_application_tee_host_processor` `tablet_or_e_reader_network_operator_controlled_removable_secure_element` `tag` `vehicle` `watch_contactless_chip_or_not_network_operator_controlled_secure_element` `watch_or_wristband` `watch_payment_application_host_processor` `watch_payment_application_tee_host_processor` `wristband`
`wallet_type` string optional	The type of wallet. This can be one of: `apple_pay` `google_pay` `merchant_tokenization_program` `samsung_pay`

digital_card_id

string

The digital card's unique identifier, prefixed with dcr_.

device_type

string

The type of device used for the transaction. This can be one of:

card
device_peripheral
domestic_appliance
fashion_accessory
garment
jewelry
key_fob
media_or_gaming_device
mobile_phone_case_or_sleeve
mobile_phone_network_operator_controlled_fixed_secure_element
mobile_phone_network_operator_controlled_removable_secure_element
mobile_phone_not_network_operator_controlled_fixed_secure_element
mobile_phone_not_network_operator_controlled_removable_secure_element
mobile_phone_payment_application_host_processor
mobile_phone_payment_application_tee_host_processor
mobile_tag
pc
phone
removable_secure_element_not_network_operator_controlled
sticker
tablet_or_e_book_network_operator_controlled_fixed_secure_element
tablet_or_e_book_not_network_operator_controlled_fixed_secure_element
tablet_or_e_reader
tablet_or_e_reader_payment_application_host_processor
tablet_or_e_reader_payment_application_tee_host_processor
tablet_or_e_reader_network_operator_controlled_removable_secure_element
tag
vehicle
watch_contactless_chip_or_not_network_operator_controlled_secure_element
watch_or_wristband
watch_payment_application_host_processor
watch_payment_application_tee_host_processor
wristband

wallet_type

string

optional

The type of wallet. This can be one of:

apple_pay
google_pay
merchant_tokenization_program
samsung_pay

Reversal declined

Example webhook

Note

Webhook fields

Card object

Cardholder

Entity

Client

Digital card information