billing.payment_failed

project_id is always null for billing events.

When this fires

A scheduled charge against the creator's payment method fails. The platform will continue to retry inside the grace window.

Required ability

billing:read — token must carry this at mint time to subscribe an endpoint to this event.

Payload

{
  "id": "evt_01HX...",
  "type": "billing.payment_failed",
  "created_at": "2026-04-18T10:05:00Z",
  "api_version": "2026-05-01",
  "project_id": null,
  "data": {
    "creator_id": "2a91c4e7-6f38-4b52-8e0d-9c1a7b3f5d80",
    "invoice_id": "in_1Nxy..",
    "amount": "49.00",
    "currency": "USD",
    "hosted_invoice_url": "https://invoice.stripe.com/..",
    "attempt_count": 2,
    "reason": "Your card was declined."
  }
}

Field reference

Field	Type	Notes
`id`	string ULID	Unique event id, prefixed `evt_`. Use for idempotent processing.
`type`	string	Always `billing.payment_failed` for this event.
`created_at`	ISO 8601 timestamp	Server-side emission time.
`api_version`	string	Webhook API contract version.
`project_id`	null	Always `null` — account-level event.
`data.creator_id`	string UUID	Creator the invoice was addressed to.
`data.invoice_id`	string	Provider invoice id.
`data.amount`	string	Attempted amount in major units of `currency`.
`data.currency`	string	ISO 4217 currency code.
`data.hosted_invoice_url`	string	URL to the provider-hosted invoice page.
`data.attempt_count`	integer	Provider-side retry count for this invoice.
`data.reason`	string, nullable	Stripe's `last_finalization_error.message`, falling back to `last_payment_error.message`. A human-readable sentence, not a decline code, and `null` when Stripe supplied neither. Do not pattern-match on it.

Caveats

Multiple billing.payment_failed events can fire for the same invoice_id as Stripe retries.
Repeated failures escalate through the grace window — see billing.grace_period_warning and billing.account_locked for that progression.

billing.invoice_paid — successful resolution.
billing.account_locked — terminal state if recovery doesn't happen.
Billing events overview — back to family overview.