Webhook: payment.failed

The payment.failed event is triggered upon payment failure.

Example

{
  "id": "422e0801-2354-4b46-ae59-49cfd2341a29",
  "type": "payment.failed",
  "version": 1,
  "isSandbox": true,
  "data": {
    "payment": {
      "id": "28ccdea9-2a3d-4f81-9577-ac8f21d6f9e8",
      "date": "2025-08-29T16:00:40.454Z",
      "method": "credit_card",
      "status": "INVALID_PAYMENT_METHOD",
      "code": "declined",
      "message": "Declined."
    },
    "checkout": {
      "id": "80d480ca-5bc3-45eb-b70c-f37ad241024c",
      "accountId": "@neon-tester",
      "externalReferenceId": "external_reference_id",
      "externalMetadata": {
        "foo": "bar"
      }
    }
  }
}

`method`

The payment method used for this purchase, if available. Example: credit_card

`code`

The type of failure provided by the processor. Possible codes are: expired_card , incorrect_cvc , incorrect_number, incorrect_zip , invalid_exp_month, invalid_exp_year, invalid_number,unexpected_country, insufficient_funds, declined, or failed.

`message`

A human-readable description of the code.