---
title: "Retrieve a Declined Transaction"
method: GET
path: "/declined_transactions/{declined_transaction_id}"
---

# Retrieve a Declined Transaction

`GET /declined_transactions/{declined_transaction_id}`

## Path parameters

- `declined_transaction_id` string, required — The identifier of the Declined Transaction.

## Response `200`

Declined Transaction

- DeclinedTransaction — Declined Transactions are refused additions and removals of money from your bank account. For example, Declined Transactions are caused when your Account has an insufficient balance or your Limits are triggered.
  - `account_id` string, required — The identifier for the Account the Declined Transaction belongs to.
  - `amount` integer, required — The Declined Transaction amount in the minor unit of its currency. For dollars, for example, this is cents.
  - `created_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date on which the Transaction occurred.
  - `currency` 'USD', required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the Declined Transaction's currency. This will match the currency on the Declined Transaction's Account.
  - `description` string, required — This is the description the vendor provides.
  - `id` string, required — The Declined Transaction identifier.
  - `route_id` string, nullable, required — The identifier for the route this Declined Transaction came through. Routes are things like cards and ACH details.
  - `route_type` 'account_number' | 'card' | 'lockbox', nullable, required — The type of the route this Declined Transaction came through.
  - `source` object, required — This is an object giving more details on the network-level event that caused the Declined Transaction. For example, for a card transaction this lists the merchant's industry and location. Note that for backwards compatibility reasons, additional undocumented keys may appear in this object. These should be treated as deprecated and will be removed in the future.
    - `ach_decline` AchDecline
      - `amount` integer, required — The declined amount in USD cents.
      - `id` string, required — The ACH Decline's identifier.
      - `inbound_ach_transfer_id` string, required — The identifier of the Inbound ACH Transfer object associated with this decline.
      - `originator_company_descriptive_date` string, nullable, required — The descriptive date of the transfer.
      - `originator_company_discretionary_data` string, nullable, required — The additional information included with the transfer.
      - `originator_company_id` string, required — The identifier of the company that initiated the transfer.
      - `originator_company_name` string, required — The name of the company that initiated the transfer.
      - `reason` 'ach_route_canceled' | 'ach_route_disabled' | 'breaches_limit' | 'entity_not_active' | 'group_locked' | 'transaction_not_allowed' | 'returned_per_odfi_request' | 'user_initiated' | 'insufficient_funds' | 'authorization_revoked_by_customer' | 'payment_stopped' | 'customer_advised_unauthorized_improper_ineligible_or_incomplete' | 'representative_payee_deceased_or_unable_to_continue_in_that_capacity' | 'beneficiary_or_account_holder_deceased' | 'credit_entry_refused_by_receiver' | 'duplicate_entry' | 'corporate_customer_advised_not_authorized', required — Why the ACH transfer was declined.
      - `receiver_id_number` string, nullable, required — The id of the receiver of the transfer.
      - `receiver_name` string, nullable, required — The name of the receiver of the transfer.
      - `trace_number` string, required — The trace number of the transfer.
      - `type` 'ach_decline', required — A constant representing the object's type. For this resource it will always be `ach_decline`.
    - `card_decline` object, nullable — A Card Decline object. This field will be present in the JSON response if and only if `category` is equal to `card_decline`.
      - `actioner` 'user' | 'increase' | 'network', required — Whether this authorization was approved by Increase, the card network through stand-in processing, or the user through a real-time decision.
      - `additional_amounts` object, required — Additional amounts associated with the card authorization, such as ATM surcharges fees. These are usually a subset of the `amount` field and are used to provide more detailed information about the transaction.
        - `clinic` object, nullable, required — The part of this transaction amount that was for clinic-related services.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `dental` object, nullable, required — The part of this transaction amount that was for dental-related services.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `original` object, nullable, required — The original pre-authorized amount.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `prescription` object, nullable, required — The part of this transaction amount that was for healthcare prescriptions.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `surcharge` object, nullable, required — The surcharge amount charged for this transaction by the merchant.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `total_cumulative` object, nullable, required — The total amount of a series of incremental authorizations, optionally provided.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `total_healthcare` object, nullable, required — The total amount of healthcare-related additional amounts.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `transit` object, nullable, required — The part of this transaction amount that was for transit-related services.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `unknown` object, nullable, required — An unknown additional amount.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
        - `vision` object, nullable, required — The part of this transaction amount that was for vision-related services.
          - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount).
          - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency.
      - `amount` integer, required — The declined amount in the minor unit of the destination account currency. For dollars, for example, this is cents.
      - `card_payment_id` string, required — The ID of the Card Payment this transaction belongs to.
      - `currency` 'USD', required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the destination account currency.
      - `declined_transaction_id` string, required — The identifier of the declined transaction created for this Card Decline.
      - `digital_wallet_token_id` string, nullable, required — If the authorization was made via a Digital Wallet Token (such as an Apple Pay purchase), the identifier of the token that was used.
      - `direction` 'settlement' | 'refund', required — The direction describes the direction the funds will move, either from the cardholder to the merchant or from the merchant to the cardholder.
      - `id` string, required — The Card Decline identifier.
      - `incremented_card_authorization_id` string, nullable, required — The identifier of the card authorization this request attempted to incrementally authorize.
      - `merchant_acceptor_id` string, required — The merchant identifier (commonly abbreviated as MID) of the merchant the card is transacting with.
      - `merchant_category_code` string, required — The Merchant Category Code (commonly abbreviated as MCC) of the merchant the card is transacting with.
      - `merchant_city` string, nullable, required — The city the merchant resides in.
      - `merchant_country` string, required — The country the merchant resides in.
      - `merchant_descriptor` string, required — The merchant descriptor of the merchant the card is transacting with.
      - `merchant_postal_code` string, nullable, required — The merchant's postal code. For US merchants this is either a 5-digit or 9-digit ZIP code, where the first 5 and last 4 are separated by a dash.
      - `merchant_state` string, nullable, required — The state the merchant resides in.
      - `network_details` object, required — Fields specific to the `network`.
        - `category` 'visa' | 'pulse', required — The payment network used to process this card authorization.
        - `pulse` object, nullable, required — Fields specific to the `pulse` network.
        - `visa` object, nullable, required — Fields specific to the `visa` network.
          - `electronic_commerce_indicator` 'mail_phone_order' | 'recurring' | 'installment' | 'unknown_mail_phone_order' | 'secure_electronic_commerce' | 'non_authenticated_security_transaction_at_3ds_capable_merchant' | 'non_authenticated_security_transaction' | 'non_secure_transaction', nullable, required — For electronic commerce transactions, this identifies the level of security used in obtaining the customer's payment credential. For mail or telephone order transactions, identifies the type of mail or telephone order.
          - `point_of_service_entry_mode` 'unknown' | 'manual' | 'magnetic_stripe_no_cvv' | 'optical_code' | 'integrated_circuit_card' | 'contactless' | 'credential_on_file' | 'magnetic_stripe' | 'contactless_magnetic_stripe' | 'integrated_circuit_card_no_cvv', nullable, required — The method used to enter the cardholder's primary account number and card expiration date.
          - `stand_in_processing_reason` 'issuer_error' | 'invalid_physical_card' | 'invalid_cryptogram' | 'invalid_cardholder_authentication_verification_value' | 'internal_visa_error' | 'merchant_transaction_advisory_service_authentication_required' | 'payment_fraud_disruption_acquirer_block' | 'other', nullable, required — Only present when `actioner: network`. Describes why a card authorization was approved or declined by Visa through stand-in processing.
          - `terminal_entry_capability` 'unknown' | 'terminal_not_used' | 'magnetic_stripe' | 'barcode' | 'optical_character_recognition' | 'chip_or_contactless' | 'contactless_only' | 'no_capability', nullable, required — The capability of the terminal being used to read the card. Shows whether a terminal can e.g., accept chip cards or if it only supports magnetic stripe reads. This reflects the highest capability of the terminal — for example, a terminal that supports both chip and magnetic stripe will be identified as chip-capable.
      - `network_identifiers` object, required — Network-specific identifiers for a specific request or transaction.
        - `authorization_identification_response` string, nullable, required — The randomly generated 6-character Authorization Identification Response code sent back to the acquirer in an approved response.
        - `retrieval_reference_number` string, nullable, required — A life-cycle identifier used across e.g., an authorization and a reversal. Expected to be unique per acquirer within a window of time. For some card networks the retrieval reference number includes the trace counter.
        - `trace_number` string, nullable, required — A counter used to verify an individual authorization. Expected to be unique per acquirer within a window of time.
        - `transaction_id` string, nullable, required — A globally unique transaction identifier provided by the card network, used across multiple life-cycle requests.
      - `network_risk_score` integer, nullable, required — The risk score generated by the card network. For Visa this is the Visa Advanced Authorization risk score, from 0 to 99, where 99 is the riskiest. For Pulse the score is from 0 to 999, where 999 is the riskiest.
      - `physical_card_id` string, nullable, required — If the authorization was made in-person with a physical card, the Physical Card that was used.
      - `presentment_amount` integer, required — The declined amount in the minor unit of the transaction's presentment currency.
      - `presentment_currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the transaction's presentment currency.
      - `processing_category` 'account_funding' | 'automatic_fuel_dispenser' | 'bill_payment' | 'original_credit' | 'purchase' | 'quasi_cash' | 'refund' | 'cash_disbursement' | 'cash_deposit' | 'balance_inquiry' | 'unknown', required — The processing category describes the intent behind the authorization, such as whether it was used for bill payments or an automatic fuel dispenser.
      - `real_time_decision_id` string, nullable, required — The identifier of the Real-Time Decision sent to approve or decline this transaction.
      - `real_time_decision_reason` 'insufficient_funds' | 'transaction_never_allowed' | 'exceeds_approval_limit' | 'card_temporarily_disabled' | 'suspected_fraud' | 'other', nullable, required — This is present if a specific decline reason was given in the real-time decision.
      - `reason` 'account_closed' | 'card_not_active' | 'card_canceled' | 'physical_card_not_active' | 'entity_not_active' | 'group_locked' | 'insufficient_funds' | 'cvv2_mismatch' | 'pin_mismatch' | 'card_expiration_mismatch' | 'transaction_not_allowed' | 'breaches_limit' | 'webhook_declined' | 'webhook_timed_out' | 'declined_by_stand_in_processing' | 'invalid_physical_card' | 'missing_original_authorization' | 'invalid_cryptogram' | 'failed_3ds_authentication' | 'suspected_card_testing' | 'suspected_fraud', required — Why the transaction was declined.
      - `scheme_fees` object[], required — The scheme fees associated with this card decline.
        - `amount` string, required — The fee amount given as a string containing a decimal number.
        - `created_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) time at which the fee was created.
        - `currency` 'USD', required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the fee reimbursement.
        - `fee_type` 'visa_international_service_assessment_single_currency' | 'visa_international_service_assessment_cross_currency' | 'visa_authorization_domestic_point_of_sale' | 'visa_authorization_international_point_of_sale' | 'visa_authorization_canada_point_of_sale' | 'visa_authorization_reversal_point_of_sale' | 'visa_authorization_reversal_international_point_of_sale' | 'visa_authorization_address_verification_service' | 'visa_advanced_authorization' | 'visa_message_transmission' | 'visa_account_verification_domestic' | 'visa_account_verification_international' | 'visa_account_verification_canada' | 'visa_corporate_acceptance_fee' | 'visa_consumer_debit_acceptance_fee' | 'visa_business_debit_acceptance_fee' | 'visa_purchasing_acceptance_fee' | 'visa_purchase_domestic' | 'visa_purchase_international' | 'visa_credit_purchase_token' | 'visa_debit_purchase_token' | 'visa_clearing_transmission' | 'visa_direct_authorization' | 'visa_direct_transaction_domestic' | 'visa_service_commercial_credit' | 'visa_advertising_service_commercial_credit' | 'visa_community_growth_acceleration_program' | 'visa_processing_guarantee_commercial_credit' | 'pulse_switch_fee', required — The type of fee being assessed.
        - `fixed_component` string, nullable, required — The fixed component of the fee, if applicable, given in major units of the fee amount.
        - `variable_rate` string, nullable, required — The variable rate component of the fee, if applicable, given as a decimal (e.g., 0.015 for 1.5%).
      - `terminal_id` string, nullable, required — The terminal identifier (commonly abbreviated as TID) of the terminal the card is transacting with.
      - `verification` object, required — Fields related to verification of cardholder-provided values.
        - `card_verification_code` object, required — Fields related to verification of the Card Verification Code, a 3-digit code on the back of the card.
          - `result` 'not_checked' | 'match' | 'no_match', required — The result of verifying the Card Verification Code.
        - `cardholder_address` object, required — Cardholder address provided in the authorization request and the address on file we verified it against.
          - `actual_line1` string, nullable, required — Line 1 of the address on file for the cardholder.
          - `actual_postal_code` string, nullable, required — The postal code of the address on file for the cardholder.
          - `provided_line1` string, nullable, required — The cardholder address line 1 provided for verification in the authorization request.
          - `provided_postal_code` string, nullable, required — The postal code provided for verification in the authorization request.
          - `result` 'not_checked' | 'postal_code_match_address_no_match' | 'postal_code_no_match_address_match' | 'match' | 'no_match' | 'postal_code_match_address_not_checked', required — The address verification result returned to the card network.
        - `cardholder_name` object, nullable, required — Cardholder name provided in the authorization request.
          - `provided_first_name` string, nullable, required — The first name provided for verification in the authorization request.
          - `provided_last_name` string, nullable, required — The last name provided for verification in the authorization request.
          - `provided_middle_name` string, nullable, required — The middle name provided for verification in the authorization request.
    - `category` 'ach_decline' | 'card_decline' | 'check_decline' | 'inbound_real_time_payments_transfer_decline' | 'inbound_fednow_transfer_decline' | 'wire_decline' | 'check_deposit_rejection' | 'other', required — The type of the resource. We may add additional possible values for this enum over time; your application should be able to handle such additions gracefully.
    - `check_decline` object, nullable — A Check Decline object. This field will be present in the JSON response if and only if `category` is equal to `check_decline`.
      - `amount` integer, required — The declined amount in USD cents.
      - `auxiliary_on_us` string, nullable, required — A computer-readable number printed on the MICR line of business checks, usually the check number. This is useful for positive pay checks, but can be unreliably transmitted by the bank of first deposit.
      - `back_image_file_id` string, nullable, required — The identifier of the API File object containing an image of the back of the declined check.
      - `check_transfer_id` string, nullable, required — The identifier of the Check Transfer object associated with this decline.
      - `front_image_file_id` string, nullable, required — The identifier of the API File object containing an image of the front of the declined check.
      - `inbound_check_deposit_id` string, nullable, required — The identifier of the Inbound Check Deposit object associated with this decline.
      - `reason` 'ach_route_disabled' | 'ach_route_canceled' | 'altered_or_fictitious' | 'breaches_limit' | 'endorsement_irregular' | 'entity_not_active' | 'group_locked' | 'insufficient_funds' | 'stop_payment_requested' | 'duplicate_presentment' | 'not_authorized' | 'amount_mismatch' | 'not_our_item' | 'no_account_number_found' | 'refer_to_image' | 'unable_to_process' | 'unusable_image' | 'user_initiated', required — Why the check was declined.
    - `check_deposit_rejection` object, nullable — A Check Deposit Rejection object. This field will be present in the JSON response if and only if `category` is equal to `check_deposit_rejection`.
      - `amount` integer, required — The rejected amount in the minor unit of check's currency. For dollars, for example, this is cents.
      - `check_deposit_id` string, required — The identifier of the Check Deposit that was rejected.
      - `currency` 'USD', required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the check's currency.
      - `declined_transaction_id` string, required — The identifier of the associated declined transaction.
      - `reason` 'incomplete_image' | 'duplicate' | 'poor_image_quality' | 'incorrect_amount' | 'incorrect_recipient' | 'not_eligible_for_mobile_deposit' | 'missing_required_data_elements' | 'suspected_fraud' | 'deposit_window_expired' | 'requested_by_user' | 'international' | 'unknown', required — Why the check deposit was rejected.
      - `rejected_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the check deposit was rejected.
    - `inbound_fednow_transfer_decline` object, nullable — An Inbound FedNow Transfer Decline object. This field will be present in the JSON response if and only if `category` is equal to `inbound_fednow_transfer_decline`.
      - `reason` 'account_number_canceled' | 'account_number_disabled' | 'account_restricted' | 'group_locked' | 'entity_not_active' | 'fednow_not_enabled', required — Why the transfer was declined.
      - `transfer_id` string, required — The identifier of the FedNow Transfer that led to this declined transaction.
    - `inbound_real_time_payments_transfer_decline` object, nullable — An Inbound Real-Time Payments Transfer Decline object. This field will be present in the JSON response if and only if `category` is equal to `inbound_real_time_payments_transfer_decline`.
      - `amount` integer, required — The declined amount in the minor unit of the destination account currency. For dollars, for example, this is cents.
      - `creditor_name` string, required — The name the sender of the transfer specified as the recipient of the transfer.
      - `currency` 'USD', required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code of the declined transfer's currency. This will always be "USD" for a Real-Time Payments transfer.
      - `debtor_account_number` string, required — The account number of the account that sent the transfer.
      - `debtor_name` string, required — The name provided by the sender of the transfer.
      - `debtor_routing_number` string, required — The routing number of the account that sent the transfer.
      - `reason` 'account_number_canceled' | 'account_number_disabled' | 'account_restricted' | 'group_locked' | 'entity_not_active' | 'real_time_payments_not_enabled', required — Why the transfer was declined.
      - `transaction_identification` string, required — The Real-Time Payments network identification of the declined transfer.
      - `transfer_id` string, required — The identifier of the Real-Time Payments Transfer that led to this Transaction.
      - `unstructured_remittance_information` string, nullable, required — Additional information included with the transfer.
    - `other` object, nullable — If the category of this Transaction source is equal to `other`, this field will contain an empty object, otherwise it will contain null.
    - `wire_decline` object, nullable — A Wire Decline object. This field will be present in the JSON response if and only if `category` is equal to `wire_decline`.
      - `inbound_wire_transfer_id` string, required — The identifier of the Inbound Wire Transfer that was declined.
      - `reason` 'account_number_canceled' | 'account_number_disabled' | 'entity_not_active' | 'group_locked' | 'no_account_number' | 'transaction_not_allowed', required — Why the wire transfer was declined.
  - `type` 'declined_transaction', required — A constant representing the object's type. For this resource it will always be `declined_transaction`.

## Other responses

- `4XX` — Error
- `5XX` — Error

---

[API](https://skmtc.net/increase/apis/increase-api-2.md) · [All operations](https://skmtc.net/increase/apis/increase-api-2/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/increase/increase-api-2/versions/c6111f49e8b7/schema)