payment.failed

When this fires

A payment provider rejects a charge — invalid card, insufficient funds, gateway risk, expired source. Emitted by Stripe, CeyPay, CoinPayments, Paystack, Razorpay and Skrill. PayPal does not emit payment.failed — a failed PayPal charge surfaces only through the subscription-level events.

Required ability

project-subscription:view — 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": "7f3d1c92-8b45-4e6a-9d21-5c8e0a4b6f13",
  "data": {
    "subscription_id": "5b7e2d40-1a86-4c39-97f2-e83d0b16c5a4",
    "plan_id": "c4e82f16-93a7-4d5b-b81c-6e0f27a94d3b",
    "subscriber_id": "2a91c4e7-6f38-4b52-8e0d-9c1a7b3f5d80",
    "provider": "stripe",
    "external_payment_id": "pi_3Nxy..",
    "reason": "Your card was 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 UUID	Project this event belongs to.
`data.subscription_id`	string UUID	Subscription identifier.
`data.plan_id`	string UUID	Plan the subscription is on.
`data.subscriber_id`	string UUID	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	Human-readable rejection reason, mostly free text from the provider (Razorpay sends the fixed slug `razorpay_halted`, Stripe falls back to `stripe_invoice_failed`). Not a stable enum — do not branch on its exact value.
`data.amount`	string \| undefined	Stripe only. Attempted amount in major units, as a decimal string. Omitted entirely by the other providers — never sent as `null`.
`data.currency`	string \| undefined	Stripe only. Uppercase ISO 4217 code. Omitted entirely by the other providers — never sent as `null`.

Caveats

The paired subscription event differs by provider: Razorpay emits subscription.past_due alongside; CeyPay, CoinPayments and Skrill instead cancel the subscription and emit subscription.cancelled; Paystack emits nothing alongside; for Stripe, subscription.past_due arrives separately when Stripe next syncs the subscription's status. Do not assume a subscription event accompanies every payment.failed.
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.