CardTransactionDeclined

Triggered when a card transaction authorization is declined.

This webhook means that the authorization did not pass and no successful transaction was created. The decline may be caused by Altery checks, partner decisioning, antifraud checks, insufficient funds, card restrictions, or other authorization rules.

{
  "userId": "396f5ce4-6803-418d-b9a4-480abb19494b",
  "event": "CardTransactionDeclined",
  "transaction": {
    "transactionId": "d9680001-005c-d9c5-733f-08de9a272802",
    "cardId": "4d44141a-3cf3-4d32-bc62-08e651952f47",
    "status": "Declined",
    "statusText": "Rejected",
    "merchant": "starbucks",
    "amount": 218.36,
    "createdAt": "2026-04-14T13:10:11.95Z",
    "declineReason": "Altery: Declined by partner",
    "authorizationId": "d9680001-005c-d9c5-733f-08de9a272802"
  }
}

Declined Reasons from Processor

Contactless Payments

Reason Code	Push Notification	Transaction Details
ExceedsAccountContactlessPaymentsDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily contactless payments limit.	Declined because it exceeds your daily contactless payments limit.
ExceedsAccountContactlessPaymentsMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly contactless payments limit.	Declined because it exceeds your monthly contactless payments limit.
ExceedsCardContactlessPaymentsDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily contactless payments limit.	Declined because it exceeds your daily contactless payments limit.
ExceedsCardContactlessPaymentsMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly contactless payments limit.	Declined because it exceeds your monthly contactless payments limit.
ExceedsCardContactlessPaymentsTransactionLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your contactless transactions limit.	Declined because it exceeds your contactless transactions limit.

Internet Purchase

Reason Code	Push Notification	Transaction Details
ExceedsAccountInternetPurchasePaymentsDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily online payments limit.	Declined because it exceeds your daily online payments limit.
ExceedsAccountInternetPurchasePaymentsMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly online payments limit.	Declined because it exceeds your monthly online payments limit.
ExceedsCardInternetPurchasePaymentsDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily online payments limit.	Declined because it exceeds your daily online payments limit.
ExceedsCardInternetPurchasePaymentsMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly online payments limit.	Declined because it exceeds your monthly online payments limit.
ExceedsCardInternetPurchasePaymentsTransactionLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your online transactions limit.	Declined because it exceeds your online transactions limit.

Purchases

Reason Code	Push Notification	Transaction Details
ExceedsAccountPurchasesDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily payments limit.	Declined because it exceeds your daily payments limit.
ExceedsAccountPurchasesMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly payments limit.	Declined because it exceeds your monthly payments limit.
ExceedsCardPurchasesDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily payments limit.	Declined because it exceeds your daily payments limit.
ExceedsCardPurchasesMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly payments limit.	Declined because it exceeds your monthly payments limit.
ExceedsCardPurchasesTransactionLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your transactions limit.	Declined because it exceeds your transactions limit.

Withdrawal

Reason Code	Push Notification	Transaction Details
ExceedsWithdrawalAmountLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your withdrawal amount limit.	Declined because it exceeds your withdrawal amount limit.
ExceedsAccountWithdrawalsDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily withdrawals limit.	Declined because it exceeds your daily withdrawals limit.
ExceedsAccountWithdrawalsMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly withdrawals limit.	Declined because it exceeds your monthly withdrawals limit.
ExceedsCardWithdrawalsDailyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your daily withdrawals limit.	Declined because it exceeds your daily withdrawals limit.
ExceedsCardWithdrawalsMonthlyLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your monthly withdrawals limit.	Declined because it exceeds your monthly withdrawals limit.
ExceedsCardWithdrawalsTransactionLimit	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because it exceeds your withdrawal transactions limit.	Declined because it exceeds your withdrawal transactions limit.

Altery Declined Reasons

Reason Code	Push Notification	Transaction Details
CardNotActiveErrorCode	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined because this card is currently inactive.	Declined because this card is currently inactive.
PurseBalanceNotEnoughFinApiErrorCode	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined due to insufficient funds.	Declined due to insufficient funds.
AntifraudChecksFailed	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] declined.	Declined.
Another reason	[Transaction Amount] [Transaction Currency] purchase at [Merchant Name] was declined due to a technical error. Please try again.	Declined due to a technical error. Please try again.