{
"event": "card.transaction.declined",
"version": "3.0",
"eventId": "d0e1f2a3-b4c5-6789-3456-789abcdef012",
"sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
"data": {
"cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
"cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
"reference": "hos_dc_a4e8f2b6_20260510143201",
"type": "DEBIT",
"amount": 299.99,
"currency": "USD",
"merchant": {
"name": "BESTBUY",
"country": "US",
"mcc": "5732"
},
"category": "Declined",
"reason": "Insufficient funds",
"network": "MASTERCARD",
"status": "DECLINED",
"appId": "A1B2C3D4E5F6G7H8",
"timestamp": "2026-05-10T14:32:01Z"
}
}
{}
Cards
Card Transaction Declined
Sent when a card purchase is declined at the point of sale or online.
WEBHOOK
card.transaction.declined
{
"event": "card.transaction.declined",
"version": "3.0",
"eventId": "d0e1f2a3-b4c5-6789-3456-789abcdef012",
"sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
"data": {
"cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
"cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
"reference": "hos_dc_a4e8f2b6_20260510143201",
"type": "DEBIT",
"amount": 299.99,
"currency": "USD",
"merchant": {
"name": "BESTBUY",
"country": "US",
"mcc": "5732"
},
"category": "Declined",
"reason": "Insufficient funds",
"network": "MASTERCARD",
"status": "DECLINED",
"appId": "A1B2C3D4E5F6G7H8",
"timestamp": "2026-05-10T14:32:01Z"
}
}
{}
{
"event": "card.transaction.declined",
"version": "3.0",
"eventId": "d0e1f2a3-b4c5-6789-3456-789abcdef012",
"sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
"data": {
"cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
"cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
"reference": "hos_dc_a4e8f2b6_20260510143201",
"type": "DEBIT",
"amount": 299.99,
"currency": "USD",
"merchant": {
"name": "BESTBUY",
"country": "US",
"mcc": "5732"
},
"category": "Declined",
"reason": "Insufficient funds",
"network": "MASTERCARD",
"status": "DECLINED",
"appId": "A1B2C3D4E5F6G7H8",
"timestamp": "2026-05-10T14:32:01Z"
}
}
{}
Payload Fields
| Field | Type | Description |
|---|---|---|
cardId | string | Your card identifier |
cardholderId | string | Cardholder identifier |
reference | string | null | Unique transaction reference |
type | string | Always "DEBIT" |
amount | number | Attempted transaction amount |
currency | string | Currency code (e.g., "USD") |
merchant.name | string | Merchant name |
merchant.country | string | null | Merchant country code |
merchant.mcc | string | null | Merchant category code |
category | string | Always "Declined" |
reason | string | Human-readable decline reason from the network |
network | string | null | Card network (e.g., "VISA", "MASTERCARD") |
status | string | Always "DECLINED" |
Body
application/json
Response
200
Acknowledge receipt of the event
⌘I