payment.failed

When this fires

A payment provider rejects a charge — invalid card, insufficient funds, gateway risk, expired source.

Required ability

project-subscription:view-any — token must carry this at mint time to subscribe an endpoint to this event.

Payload

{
  "id": "evt_01HX...",
  "type": "payment.failed",
  "created_at": "2026-05-18T10:05:00Z",
  "api_version": "2026-05-01",
  "project_id": "prj_01HX...",
  "data": {
    "subscription_id": "sub_01HX...",
    "plan_id": "pln_01HX...",
    "subscriber_id": "usr_01HX...",
    "provider": "stripe",
    "external_payment_id": "pi_3Nxy..",
    "reason": "card_declined",
    "amount": "29.00",
    "currency": "USD"
  }
}

Field reference

Field	Type	Notes
`id`	string ULID	Unique event id, prefixed `evt_`. Use for idempotent processing.
`type`	string	Always `payment.failed` for this event.
`created_at`	ISO 8601 timestamp	Server-side emission time.
`api_version`	string	Webhook API contract version.
`project_id`	string ULID	Project this event belongs to.
`data.subscription_id`	string ULID	Subscription identifier.
`data.plan_id`	string ULID	Plan the subscription is on.
`data.subscriber_id`	string ULID	Subscriber's project-scoped user id.
`data.provider`	string	Provider slug.
`data.external_payment_id`	string \| null	Provider charge id when one was created; `null` for pre-charge rejections.
`data.reason`	string	Provider-supplied rejection reason or normalized code.
`data.amount`	string \| null	Attempted amount in major units, when known.
`data.currency`	string \| null	ISO 4217 currency code, when known.

Caveats

Pairs with subscription.past_due on subscription-recurring failures, or with no subscription event for one-shot checkout failures.
A single billing cycle can produce multiple payment.failed events as the provider retries.

payment.succeeded — alternative outcome.
subscription.past_due — paired subscription event for recurring failures.
Payment events overview — back to family overview.