# PAYMENT_DECLINED

# PAYMENT_DECLINED

The payment processor returned a definitive decline (insufficient funds, card blocked, fraud signal, do-not-honor). Distinct from `PAYMENT_FAILED`, which is transient.

## Summary

| Field | Value |
|---|---|
| HTTP status | `400` |
| `errorCategory` | `payment` |
| `retryable` | `false` |

## When This Fires

- **`POST /v1/marketfront/orders/place`** — payment authorization was declined by the issuing bank or processor risk engine.

## Recommended Action

Surface the decline to the user and let them choose a different payment method:

1. Show a clear "your card was declined — please try another payment method" message.
2. Open the payment-method picker.
3. Resubmit `place` with the new method.

Do not retry the declined card automatically — repeated retries can trigger fraud lockouts.

## Example

```json
{
  "type": "https://developer.gett-tech.com/errors/PAYMENT_DECLINED",
  "title": "Bad Request",
  "status": 400,
  "detail": "The payment was declined by the issuer.",
  "instance": "/v1/marketfront/orders/place",
  "requestId": "req_abc123",
  "timestamp": "2026-04-27T14:30:00.000Z",
  "errorCode": "PAYMENT_DECLINED",
  "errorCategory": "payment",
  "retryable": false
}
```