# Declined payment

If a transaction is declined by a payment system, Xsolla sends the transaction details in a webhook of the ps_declined type to your configured webhook URL.
The webhook is sent during the authorization or payment processing stage.
In this case, the payment\ order_paid webhook is not sent.

Typical reasons for payment system declines:

* Card authorization failed (for example, the payment system could not complete the authorization process due to a technical error or no response from the bank) or was declined (for example, the bank responded but refused the transaction due to insufficient funds or invalid card details).
* 3-D Secure verification failed, was not completed, or the user confirmation timed out.
* The processor or acquiring bank is temporarily unavailable or returns a hard decline due to an irreversible error, such as a closed account or an invalid card number. Retrying without addressing the underlying issue will not result in a successful transaction.

Should not be confused with:

* Anti-fraud rejections, which are reported via the afs_reject webhook.
* Refunds and partial refunds after a successful payment, which are reported via the refund and partial_refund webhooks.


  Note
  To receive the ps_declined webhook, contact your Customer Success Manager or email csm@xsolla.com.

Endpoint: POST payment-declined
Version: 1.0

## Request fields (application/json):

  - `notification_type` (string, required)
    Notification type.

  - `settings` (object)
    Custom project settings (object).

  - `settings.project_id` (integer)
    Project ID. You can find this parameter in your [Publisher Account](https://publisher.xsolla.com/) next to the name of the project.

  - `settings.merchant_id` (integer)
    Merchant ID.

  - `user` (object)
    User details (object).

  - `user.ip` (string)
    User IP.

  - `user.email` (string)
    User email.

  - `user.id` (string, required)
    User ID.

  - `user.name` (string)
    Username.

  - `user.country` (string)
    User’s country. Two-letter uppercase [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code.

  - `transaction` (object, required)
    Transaction details (object).

  - `transaction.id` (integer)
    Transaction ID.

  - `transaction.external_id` (string)
    Transaction external ID.

  - `transaction.dry_run` (integer)
    Test transaction. The parameter has the 1 value if it is a test transaction, or is not sent if the transaction is real.

  - `transaction.payment_method` (integer)
    Payment method ID.

  - `refund_details` (object)
    Refund details (object).

  - `refund_details.code` (integer)
    Code ID.

  - `refund_details.reason` (string)
    Refund reason.

  - `refund_details.author` (string)
    Refund initiator. The field value is passed according to the table:


    
    
        Refund initiator
        Field value
    
    
    
    
        Game (via API).
        API
    
    
        Publisher Account user (automatic refund).
        User email
    
    
        Publisher Account user (with assistance from Xsolla customer support).
        support@xsolla.com
    
    
        Xsolla (with assistance from Xsolla customer support).
        support@xsolla.com

## Response 400 fields (application/json):

  - `error` (object)

  - `error.code` (string)

  - `error.message` (string)


## Response 204 fields

## Response 500 fields