> ## Documentation Index > Fetch the complete documentation index at: https://docs.staging.cope-demo.com/llms.txt > Use this file to discover all available pages before exploring further. # payment.attempt.failed > An attempt to charge a payment was declined. # payment.attempt.failed > Generated from COPE public event contracts. Do not edit this page by hand. Sent once for every declined attempt to charge a payment, the first one included: at checkout each card the buyer tries, and on a renewal or instalment each attempt the payment processor makes, with `will_retry` and `next_attempt_at` saying whether and when it will try again. `attempt` counts the payment's declines from 1. A decline reported after the payment already succeeded is still sent. Delivery order against `payment.sale.succeeded` and `subscription.cancelled` is not guaranteed. `payment.failed` is still sent once per payment, at its first decline: subscribe to `payment.failed` for one alert per failed payment, or to this event for every attempt, not both, or the first decline reaches you twice. Stripe payments only. ## Delivery Contract | Field | Value | | - | - | | Encoding | JSON: `id`, `type`, `version`, `source`, `created_at`, `occurred_at`, `data` | | Delivery | At least once | | Idempotency | Deduplicate on `id`: every retry and replay of this event repeats it, and `X-Cope-Event-Id` carries it. | | Source | `cope.core` | | Category | Payments | | Availability | Available in the public webhook reference. | | Schema title | payment.attempt.failed webhook body | | Schema ID | `https://schemas.cope.com/webhooks/payment.attempt.failed/v1` | ## Payload Fields | Field | Required | Type | Allowed Values | Description | | | - | - | - | - | - | - | | `amount_cents` | yes | `integer` | - | - | | | `attempt` | yes | `integer` | - | Which declined attempt on this payment the event reports, counted from 1 in the order COPE recorded the payment's declines. A payment is one checkout payment or one renewal or instalment invoice, so the count starts again at 1 for each invoice. A new card tried on the same payment is that payment's next attempt. | | | `business` | no | `object` | - | The business this event concerns. Carries `object` (what it is) and `id` (which one); `id` is the public identifier a merchant addresses it by. | | | `business_name` | no | \`string | null\` | - | - | | `buyer` | no | `object` | - | The buyer as the checkout captured them. `email` is null when the checkout did not ask for one. | | | `currency` | yes | `string` | - | - | | | `decline_code` | no | \`string | null\` | - | The decline reason the payment processor gave for this attempt, when it gave one. | | `event_type` | yes | `const` | `payment.attempt.failed` | - | | | `failed_at` | yes | `string` | - | - | | | `failure_code` | yes | `string` | - | - | | | `failure_message` | yes | `string` | - | - | | | `in_checkout` | yes | `boolean` | - | True when the buyer was present on the payment page when the charge was declined: a checkout charge, not a renewal or instalment invoice, on a payment method that reports its outcome while the buyer waits, such as a card. False for an invoice charge, and for a payment method whose outcome arrives after the buyer has left, such as a SEPA, ACH or Bacs bank debit, or whose type the decline does not name. | | | `is_recurring` | no | `boolean` | - | True when any line the failed payment covers is on a recurring plan (a subscription or an installment plan), including that plan's first charge at checkout. | | | `line_items` | no | `array` | - | One entry per line the failed payment covers; every entry names its product. At least one entry when present. Optional: present when the producer sends it; older events do not carry it. | | | `next_attempt_at` | yes | \`string | null\` | - | When the payment processor will make its next attempt, as it reported it; never estimated by COPE. Null whenever `will_retry` is false, and when the next attempt has already happened (the invoice is paid). | | `occurred_at` | yes | `string` | - | - | | | `order` | no | `object` | - | The order this event concerns. Carries `object` (what it is) and `id` (which one); `id` is the public identifier a merchant addresses it by. | | | `payment` | no | `object` | - | The payment this event concerns. Carries `object` (what it is) and `id` (which one); `id` is the public identifier a merchant addresses it by. | | | `payment_method` | no | \`object | null\` | - | The payment method this attempt was declined on: the same shape `payment.sale.succeeded` carries. `brand` and `last4` are present for a card. Null when the decline does not describe the method. | | `processor` | yes | `string` | - | - | | | `product` | no | `object` | - | The product this event concerns. Carries `object` (what it is) and `id` (which one); `id` is the public identifier a merchant addresses it by. | | | `product_name` | no | \`string | null\` | - | - | | `schema_version` | yes | `const` | `1.0` | - | | | `will_retry` | yes | `boolean` | - | True when another attempt on this payment followed this one or is scheduled. Always false at checkout, where the buyer retries, including for a checkout decline reported after the payment already succeeded. For a renewal or instalment: true while the payment processor has another attempt scheduled; true when the invoice has since been paid; false after the last attempt, and when the invoice was voided. | | ## Example delivery ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "created_at": "2026-05-05T12:00:00.000Z", "data": { "amount_cents": 4900, "attempt": 2, "business": { "id": "biz_g7-Jq2PxT_4mRvNa", "object": "business" }, "business_name": "example_business_name", "buyer": { "billing_address": { "city": "example_city", "country": "DE", "line1": "example_line1", "line2": "example_line2", "postal_code": "example_postal_code", "region": "example_region" }, "company_name": "example_company_name", "email": "ada@example.com", "first_name": "example_first_name", "full_name": "example_full_name", "last_name": "example_last_name", "locale": "de", "phone": "example_phone", "private_person": false, "shipping_address": { "city": "example_city", "country": "DE", "line1": "example_line1", "line2": "example_line2", "postal_code": "example_postal_code", "region": "example_region" }, "tax_id": "example_tax_id" }, "currency": "EUR", "decline_code": "example_decline_code", "event_type": "payment.attempt.failed", "failed_at": "2026-05-12T16:30:12Z", "failure_code": "example_failure_code", "failure_message": "example_failure_message", "in_checkout": false, "is_recurring": true, "line_items": [ { "payment_number": 2, "product": { "id": "prod_Hq2W8xLm", "object": "product" }, "subscription": { "id": "ps_Gm3Tq8ZrW1bN", "object": "subscription" } } ], "next_attempt_at": "2026-10-08T11:19:00Z", "occurred_at": "2026-05-12T16:30:12Z", "order": { "id": "ord_V7kP2mQx9RtL", "metadata": {}, "object": "order" }, "payment": { "id": "py_4nHs8QwZ2pLk", "object": "payment" }, "payment_method": { "brand": "example_brand", "last4": "example_last4", "type": "example_type" }, "processor": "example_processor", "product": { "id": "prod_Hq2W8xLm", "object": "product" }, "product_name": "example_product_name", "schema_version": "1.0", "will_retry": true }, "id": "8d2f6c1a-4e7b-4a39-b5d0-2c9e1f7a3b64", "occurred_at": "2026-05-05T11:59:58.500Z", "source": "cope.core", "type": "payment.attempt.failed", "version": "v1" } ``` ## Compatibility Fields may be added within the same major version. Removing or changing the meaning of a documented field requires a new event version. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.