# Transaction.failed

URL: /business/events/Transaction.failed · Id: `event:Transaction.failed`

> The rail refused a charge or payout Transaction after it was sent.

The rail refused a charge or payout [Transaction](/business/nouns/transaction) after it was sent.

| Property | Value |
| --- | --- |
| Raised by | No Verb: the rail raises it |
| Noun | [Transaction](/business/nouns/transaction) |
| Moves | [Bill](/business/nouns/bill) `paid` to `approved` when the rail refused the Transaction that paid this Bill |
| Wakes | None. |

### Payload
Each delivery is an [Event](/business/nouns/event) record. `data` holds the Transaction as it stands.

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `name` | `string` | Yes | `Transaction.failed`. |
| `at` | `datetime` | Yes | When it happened. |
| `seq` | `integer` | No | Its position in the namespace, one more than the Event before; any seq is a cursor into the history. |
| `data` | `json` | Yes | The Thing as the Action left it. |
| `data.transaction` | [Transaction](/business/nouns/transaction) | Yes | The Transaction as the change left it. |
| `data.transaction.kind` | `string` | Yes | One of `charge`, `refund`, `payout`, or `transfer`. |
| `data.transaction.amount` | `money` | Yes | The amount moved. |
| `data.transaction.receipt` | [File](/business/nouns/file) | No | The receipt matched to a card Transaction. |
| `data.transaction.settledAt` | `datetime` | No | When the money became available in a cash Account. |
| `data.reason` | `text` | Yes | Why the rail refused it, in the rail’s words. |

### Example
```json
{
  "$id": "https://api.sb/leaseline.app/events/evt_QoYICDL4sO",
  "$type": "Event",
  "name": "Transaction.failed",
  "at": "2026-10-22T12:00:00Z",
  "data": {
    "transaction": {
      "$id": "https://api.sb/leaseline.app/transactions/txn_XoxtZe3CQI",
      "$type": "Transaction",
      "kind": "charge",
      "amount": {
        "amount": 29,
        "currency": "USD"
      },
      "receipt": "file_V1AuhyCTsH",
      "settledAt": "2026-10-22T12:00:00Z"
    },
    "reason": "The bank declined the transfer."
  },
  "seq": 2674
}
```