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payment_declined

Last updated: November 16, 2022

Example: Declined payment

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{
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  "id": "evt_nkyqkhlemrkughjbblhw7tbczu",
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  "type": "payment_declined",
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  "version": "1.0.20",
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  "created_on": "2022-11-14T12:25:12.8419998Z",
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  "data": {
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    "id": "pay_jmhdoexa5fbfghj5s7ksiamale",
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    "action_id": "act_5kw3mtjhytme7jl4cdxihorb4y",
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    "reference": "test payment",
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    "amount": 2,
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    "currency": "GBP",
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    "payment_type": "Regular",
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    "processed_on": "2022-11-14T12:25:12.4953916Z",
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    "response_code": "20012",
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    "response_summary": "Invalid Transaction",
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    "risk": {
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      "flagged": false
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    },
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    "3ds": {
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      "version": "2.2.0",
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      "challenged": true,
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      "challenge_indicator": "challenge_requested_mandate",
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      "exemption": "none",
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      "eci": "05",
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      "cavv": "ABEBASVDkQBBASDCgmMYdQAAAAA=",
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      "xid": "e6473b22-08ac-492d-a587-2aba9b80df6f",
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      "downgraded": false,
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      "enrolled": "Y",
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      "authentication_response": "Y",
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      "flow_type": "challenged"
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    },
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    "source": {
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      "id": "src_37rmzt6odwquzgudjqtb4kn36y",
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      "type": "card",
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      "billing_address": {},
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      "expiry_month": 1,
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      "expiry_year": 2029,
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      "scheme": "VISA",
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      "last_4": "1234",
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      "fingerprint": "71580b426f1d190d29087ff265d8f48df1ad34ede41c27cbff9d23c1a14d1776",
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      "bin": "123456",
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      "card_type": "DEBIT",
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      "card_category": "CONSUMER",
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      "issuer": "Test Bank",
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      "issuer_country": "GB",
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      "product_id": "I",
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      "product_type": "Visa Infinite"
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    },
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    "event_links": {
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      "payment": "https://api.checkout.com/payments/pay_jmhdoexa5fbfghj5s7ksiamale",
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      "payment_actions": "https://api.checkout.com/payments/pay_jmhdoexa5fbfghj5s7ksiamale/actions"
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    }
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  },
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  "_links": {
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    "self": {
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      "href": "https://api.checkout.com/workflows/events/evt_nkyqkhlemrkughjbblhw7tbczu"
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    },
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    "subject": {
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      "href": "https://api.checkout.com/workflows/events/subject/pay_jmhdoexa5fbfghj5s7ksiamale"
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    },
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    "payment": {
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      "href": "https://api.checkout.com/payments/pay_jmhdoexa5fbfghj5s7ksiamale"
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    },
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    "payment_actions": {
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      "href": "https://api.checkout.com/payments/pay_jmhdoexa5fbfghj5s7ksiamale/actions"
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    }
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  }
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}