> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Transaction Declined

> Sent when a card purchase is declined at the point of sale or online.

<RequestExample>
  ```json Webhook Payload theme={null}
  {
    "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"
    }
  }
  ```
</RequestExample>

<ResponseExample>
  ```json 200 theme={null}
  {}
  ```
</ResponseExample>

## 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"`                            |


## OpenAPI

````yaml v3/openapi.json webhook card.transaction.declined
openapi: 3.1.0
info:
  title: FYATU API v3
  description: >-
    FYATU API v3 with JWT authentication for Collections, Payouts, and Card
    Issuing.
  version: 3.0.0
  contact:
    name: FYATU Support
    url: https://fyatu.com
    email: support@fyatu.com
servers:
  - url: https://api.fyatu.com/api/v3
    description: Production
security: []
tags:
  - name: Authentication
    description: JWT token management endpoints
  - name: Account
    description: Business account, wallet, and address management
  - name: Collections
    description: Accept payments from customers via checkout sessions
  - name: Refunds
    description: Issue refunds for completed collections
  - name: Payouts
    description: Send money to Fyatu account holders
  - name: Cardholders
    description: Cardholder management for card issuing programs
  - name: Cards
    description: Issue, fund, freeze, and manage virtual cards
  - name: Webhooks
    description: Webhook configuration and management
paths: {}

````