Transaction Declined

This event is triggered whenever any transaction is declined. See Decline Reasons for a list of reasons why transactions can get declined.

https://<customerHost:Port>/webhook

Header

FieldDescription
Content-Typeapplication/json

Request example

curl --location --request POST 'https://<customerHost:Port>/webhook' \
-H 'content-type: application/json' \
-d '{ 
        "cardHashId": "a344b0c8-d27d-4db5-8194-aacdefb558ca",
        "cardNumber": "4001-35xx-xxxx-1950",
        "transactionCurrency": "SGD",
        "transactionAmount": "10.00",
        "transactionDateTime": "2020-09-29 09:24:46",
        "postDateTime": "2020-09-29 09:24:46",
        "transactionClass": "POS",
        "billingCurrency": "SGD",
        "billingAmount": "10.0",
        "mcc": "5499",
        "merchantName": "Frankie Tibbs",
        "merchantCity": "MUMBAI",
        "merchantCountry": "IN",
        "merchantId": "12345678",
        "terminalId": "09876545",
        "authCode": "114733",
        "rhaTransactionId": "55648c70-fa9a-4a4d-aaf6-618174c319d2",
        "declineReason": "03 - Invalid or Wrong PIN",
        "template": "CARD_TXN_DECLINED_WEBHOOK"
}'

Request body

FieldsDescriptionType
nameThe name of a client.String
customerHashIdThe unique customer identifier that's generated on customer creation.UUID
walletHashIdThe unique wallet identifier that's generated simultaneously with customer creation.UUID
cardHashIdThe unique card identifier that's generated while new/add-on card issuance.UUID
cardNumberThe 16-digit masked card number in the 1234-56xx-xxxx-3456 format.String
transactionCurrencyThe three-letter ISO-4217 transaction currency code.String
transactionAmountThe transaction amount.String
transactionClassThe type of transaction. Available values include:
  • POS
  • ATM
  • ECOMO
String
transactionDateThe transaction date and time in the yyyy-MM-dd HH:mm:ss Coordinated Universal Time format.String
balanceCurrencyThe three-letter ISO-4217 currency code for the wallet balance.String
postAuthAmountCurrency authorized for the transaction.String
postAuthAmountAmount authorized for the transaction.String
walletBalanceThe available balance in the wallet.String
mccThe four-digit merchant category code.String
merchantNameThe merchant name.String
merchantIdThe unique wallet identifier that's generated simultaneously with merchant creation.
merchantCountryThe two-letter ISO country code for the merchant country.String
merchantCityThe city where the merchant is located.String
authCodeThe authorization code of the transaction.String
effectiveAuthAmountThe authorization amount value in addition to fees such as transaction markup, e-commerce fees, etc.String
rhaTransactionIdThe unique transaction ID for Delegated Model authorization clients. This is empty only for wallet clients.UUID
declineReasonDetails why the transactions was declined. Available values include:
  • 01 - Insufficient Funds @ Nium
  • 02 - Insufficient Funds @ Client
  • 03 - Invalid or Wrong PIN
  • 04 - PIN Tries Exceeded limits
  • 05 - PIN Blocked
  • 06 - Daily Transaction Limit exceeded
  • 07 - Monthly Transaction Limit exceeded
  • 08 - Single Transaction Amount Limit exceeded
  • 09 - Invalid CVV2
  • 10 - Invalid Expiry Date
  • 11 - Transaction not allowed in particular channel
  • 12 - Transaction not allowed in particular MCC
  • 13 - Transaction not supported
  • 14 - SCA Limits exceeded
  • 15 - Transaction restricted
  • 16 - Card not Activated
  • 17 - Card has been temporarily blocked
  • 18 - Card has been permanently blocked
  • 19 - Card has expired
  • 20 - Fraud system declined
  • 21 - Invalid CHIP or CHIP Failure
  • 22 - Invalid Magnetic Stripe swipe or Magnetic Stripe was not read properly
  • 99 - System down
templateSet to CARD_POS_APPROVED_WEBHOOK for this event.String

Decline Reasons

Transactions can get declined for any of the following reasons:

ReasonDescription
01 - Insufficient Funds @ NiumInsufficient funds in the Nium account.
02 - Insufficient Funds @ ClientInsufficient funds in the client account.
03 - Invalid or Wrong PINThe PIN entered is incorrect.
04 - PIN Tries Exceeded limitsThe number of allowed PIN attempts has been exceeded.
05 - PIN BlockedThe PIN has been blocked due to multiple incorrect attempts.
06 - Daily Transaction Limit exceededThe daily transaction limit has been exceeded.
07 - Monthly Transaction Limit exceededThe monthly transaction limit has been exceeded.
08 - Single Transaction Amount Limit exceededThe amount for a single transaction exceeds the allowed limit.
09 - Invalid CVV2The CVV2 code entered is invalid.
10 - Invalid Expiry DateThe expiry date entered is invalid.
11 - Transaction not allowed in particular channelThis transaction type is not allowed in this channel.
12 - Transaction not allowed in particular MCCTransactions are not allowed for this Merchant Category Code (MCC).
13 - Transaction not supportedThis type of transaction is not supported.
14 - SCA Limits exceededThe Strong Customer Authentication (SCA) limits have been exceeded.
15 - Transaction restrictedThis transaction is restricted.
16 - Card not ActivatedThe card has not been activated.
17 - Card has been temporarily blockedThe card has been temporarily blocked.
18 - Card has been permanently blockedThe card has been permanently blocked.
19 - Card has expiredThe card has expired.
20 - Fraud system declinedThe transaction was declined by our fraud detection system.
21 - Invalid CHIP or CHIP FailureThe card's chip is invalid or has failed.
22 - Invalid Magnetic Stripe swipe or Magnetic Stripe was not read properlyThe magnetic stripe swipe is invalid or was not read properly.
99 - System downAn unkown system issue is causing transactions to get declined.