{
    "transaction_identifier": "5039a37f-653d-4237-a9aa-c651469a18ea",
    "webhook_received": {
        "TransactionType": 2,
        "Approved": false,
        "TransactionIdentifier": "5039a37f-653d-4237-a9aa-c651469a18ea",
        "TotalAmount": 65,
        "CurrencyCode": "840",
        "CardBrand": "Visa",
        "IsoResponseCode": "3D0",
        "ResponseMessage": "3D-Secure complete",
        "RiskManagement": {
            "ThreeDSecure": {
                "Xid": "20e67f74-7336-49da-b11f-fc888c58cba2",
                "AuthenticationStatus": "N",
                "StatusReason": "01",
                "ProtocolVersion": "2.1.0",
                "FingerprintIndicator": "U",
                "DsTransId": "f4c7091e-c80d-45eb-85d9-d66640fcdb1f",
                "ResponseCode": "3D0",
                "CardholderInfo": "Additional authentication is needed for this transaction, please contact(Issuer Name) at xxx - xxx - xxxx."
            }
        },
        "PanToken": "2yk5jt90ij87nej5m7x2dv07c9hv423ncuq26vbh5xpw9pm1ue",
        "OrderIdentifier": "5039a37f-653d-4237-a9aa-c651469a18ea",
        "SpiToken": "xnzxern0vyxl9p67n0x1efbrej4457s6rsnusjqpnw4c5yea9-3plyg9wt7wz"
    },
    "spi_token": "xnzxern0vyxl9p67n0x1efbrej4457s6rsnusjqpnw4c5yea9-3plyg9wt7wz",
    "received_at": "2026-06-23 18:02:27",
    "status": "declined",
    "stored_at": "2026-06-23 18:02:27",
    "last_updated": "2026-06-23 18:02:28",
    "payment_result": {
        "TransactionType": 2,
        "Approved": false,
        "TransactionIdentifier": "5039a37f-653d-4237-a9aa-c651469a18ea",
        "TotalAmount": 65,
        "CurrencyCode": "840",
        "RRN": "617418041227",
        "CardBrand": "Visa",
        "IsoResponseCode": "12",
        "ResponseMessage": "Invalid transaction",
        "PanToken": "2yk5jt90ij87nej5m7x2dv07c9hv423ncuq26vbh5xpw9pm1ue",
        "OrderIdentifier": "5039a37f-653d-4237-a9aa-c651469a18ea",
        "Errors": [
            {
                "Code": "330",
                "Message": "Not permitted [AllowPaymentCompletion]"
            }
        ]
    },
    "approved": false,
    "authorization_code": null,
    "response_message": "Invalid transaction",
    "total_amount": 65,
    "iso_response_code": "12"
}