CardTransactionDeclined

📘

Part of these flows

This webhook fires in place of CardTransactionApproved when a CardAuthorizationRequest is declined. It ends the authorization there — no CardTransactionCleared, reversal, or refund follows for it.

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.

When this webhook is sent

A decline can originate from any of these paths:

• Partner decline — your endpoint responded to CardAuthorizationRequest with authorize: "false", or with a non-0 errorCode, or did not respond within the 2-second timeout. See Decline Reason Codes on that page for the codes you can return.
• Altery's own decline — Altery performs its own authorization checks in parallel with your decision; if either side declines, the transaction is declined (see CardAuthorizationRequest).
• Processor / card-scheme decline — the acquiring processor or card scheme rejects the authorization for a reason such as an incorrect CVV, expired card, or blocked terminal. See the "Declined Reasons from Processor" table below.
• Antifraud, limit, or card-restriction decline — Altery-side rules such as antifraud checks, contactless/online/purchase/withdrawal limits, or an inactive card. See the "Altery Declined Reasons" table below.

Amount fields

The payload carries two amount/currency pairs. Both describe the amount that was requested but never held — the authorization was rejected before any funds were debited or reserved:

• accountAmount / accountCurrency — the requested amount converted to the card account currency.
• transactionAmount / transactionCurrency — the amount in the original transaction currency, as requested at the merchant.

{
  "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",
    "accountAmount": 218.36,
    "accountCurrency": "GBP",
    "transactionAmount": 218.36,
    "transactionCurrency": "GBP",
    "amount": 218.36,
    "transactionCurrencyCode": "GBP",
    "createdAt": "2026-04-14T13:10:11.95Z",
    "declineReason": "Altery: Declined by partner",
    "authorizationId": "d9680001-005c-d9c5-733f-08de9a272802"
  }
}

Declined Reasons from Processor

Contactless Payments

Internet Purchase

Purchases

Withdrawal

Altery Declined Reasons