Payment declined

Last updated: February 5, 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    "cko_network_token_available":  true,
31    "pan_type_processed": "fpan",    
32    "response_code": "20005",
33    "response_summary": "Declined - Do Not Honour",
34    "risk": {
35      "flagged": false,
36      "score": 0
37    },
38    "scheme_id": "399198565818571",
39    "source": {
40      "id": "src_d5e4jlpi3syepp7nrjo3jk734a",
41      "type": "card",
42      "card_wallet_type": "applepay",
43      "billing_address": {
44        "line1": "123 High St.",
45        "line2": "Flat 456",
46        "town_city": "London",
47        "state": "Greater London",
48        "zip": "SW1A 1AA",
49        "country": "UK"
50      },
51      "expiry_month": 6,
52      "expiry_year": 2025,
53      "name": "Chakram Visa Customer",
54      "scheme": "VISA",
55      "last_4": "9256",
56      "fingerprint": "8154D9068FD3BDF8F2A33CBC8838614D026C7CADFB654FB29F2090034677B2C2",
57      "bin": "453946",
58      "card_type": "CREDIT",
59      "card_category": "CONSUMER",
60      "issuer": "UNICAJA BANCO",
61      "issuer_country": "ES",
62      "product_type": "CLASSIC",
63      "avs_check": "G",
64      "cvv_check": "Y"
65    },
66    "event_links": {
67      "payment": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq",
68      "payment_actions": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"
69    },
70    "retry": {
71      "attempts_made": 1,
72      "max_attempts": 10,
73      "ends_on": "2023-06-34T15:24:56.9871232Z",
74      "next_attempt_on": "2023-05-30T15:56:27.2965834Z"
75    }    
76  },
77  "_links": {
78    "self": {
79      "href": "https://api.checkout.com/workflows/events/evt_wlbf3ivtsjjuxjabg3jlju4ysa"
80    },
81    "subject": {
82      "href": "https://api.checkout.com/workflows/events/subject/pay_do6kcxcq4pwehkbrupwnohnbyq"
83    },
84    "payment": {
85      "href": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq"
86    },
87    "payment_actions": {
88      "href": "https://api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"
89    }
90  }
91}
Example webhook
