# Payment declined

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.

## Example webhook

```json
{
  "id": "evt_wlbf3ivtsjjuxjabg3jlju4ysa",
  "type": "payment_declined",
  "version": "1.0.29",
  "created_on": "2023-05-24T09:31:19.3352174Z",
  "data": {
    "id": "pay_do6kcxcq4pwehkbrupwnohnbyq",
    "action_id": "act_kjxqqajgnyie3l66ujvddw7gqm",
    "reference": "ORD-5023-4E89",
    "amount": 40000,
    "auth_code": "710130",
    "currency": "EUR",
    "customer": {
      "id": "cus_m3cixs4slzcelfjmdcodlgyvkq",
      "email": "test.449ng7viic@checkout.com"
    },
    "payment_ip": "203.0.113.0",
    "metadata": {
      "coupon_code": "NY2018",
      "partner_id": "123989"
    },
    "payment_type": "Regular",
    "processed_on": "2023-05-24T09:31:17.4752751Z",
    "processing": {
      "acquirer_transaction_id": "623951711607972924924",
      "Aft": "False",
      "retrieval_reference_number": "053353257136",
      "partner_merchant_advice_code": "24"
    },
    "3ds": {
      "downgraded": false,
      "enrolled": "Y",
      "authentication_response": "N",
      "authentication_status_reason": "01",
      "eci": "07",
      "version": "2.2.0",
      "exemption": "none",
      "challenged": false
    },
    "cko_network_token_available":  true,
    "pan_type_processed": "fpan",    
    "response_code": "20005",
    "response_summary": "Declined - Do Not Honour",
    "risk": {
      "flagged": false,
      "score": 0
    },
    "scheme_id": "399198565818571",
    "eci": "07",
    "source": {
      "id": "src_d5e4jlpi3syepp7nrjo3jk734a",
      "type": "card",
      "card_wallet_type": "applepay",
      "billing_address": {
        "line1": "123 High St.",
        "line2": "Flat 456",
        "town_city": "London",
        "state": "Greater London",
        "zip": "SW1A 1AA",
        "country": "UK"
      },
      "expiry_month": 6,
      "expiry_year": 2025,
      "name": "Chakram Visa Customer",
      "scheme": "VISA",
      "last_4": "9256",
      "fingerprint": "8154D9068FD3BDF8F2A33CBC8838614D026C7CADFB654FB29F2090034677B2C2",
      "bin": "453946",
      "card_type": "CREDIT",
      "card_category": "CONSUMER",
      "issuer": "UNICAJA BANCO",
      "issuer_country": "ES",
      "product_type": "CLASSIC",
      "avs_check": "G",
      "cvv_check": "Y",
      "payment_account_reference_number": "V0010013022456589000040720006"
    },
    "event_links": {
      "payment": "https://{prefix}.api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq",
      "payment_actions": "https://{prefix}.api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"
    },
    "retry": {
      "attempts_made": 1,
      "max_attempts": 10,
      "ends_on": "2023-06-34T15:24:56.9871232Z",
      "next_attempt_on": "2023-05-30T15:56:27.2965834Z"
    },
    "trigger": "manual"    
  },
  "_links": {
    "self": {
      "href": "https://{prefix}.api.checkout.com/workflows/events/evt_wlbf3ivtsjjuxjabg3jlju4ysa"
    },
    "subject": {
      "href": "https://{prefix}.api.checkout.com/workflows/events/subject/pay_do6kcxcq4pwehkbrupwnohnbyq"
    },
    "payment": {
      "href": "https://{prefix}.api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq"
    },
    "payment_actions": {
      "href": "https://{prefix}.api.checkout.com/payments/pay_do6kcxcq4pwehkbrupwnohnbyq/actions"
    }
  }
}
```