> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finventi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Creation Failed

> Webhook notification sent when a payment fails to be created

<Note>
  This webhook is sent when a payment could not be created, for example due to an invalid account.
</Note>

## Webhook Structure

<ParamField body="id" type="string (UUID)" required>
  Unique identifier for this event
</ParamField>

<ParamField body="time" type="string (ISO 8601)" required>
  Timestamp of when the event occurred
</ParamField>

<ParamField body="correlationId" type="string">
  Identifier to correlate the request with the response. Present only for outbound payments.
</ParamField>

<ParamField body="type" type="string" required>
  The type of event. Value: `payment.creation-failed`
</ParamField>

<ParamField body="data" type="object" required>
  The event data containing the details below
</ParamField>

### Data Fields

<ParamField body="data.scheme" type="string" required>
  Payment scheme. Available values: `SCT`, `SCT_INST`, `INTERNAL`
</ParamField>

<ParamField body="data.direction" type="string" required>
  Payment direction. Available values: `INBOUND`, `OUTBOUND`
</ParamField>

<ParamField body="data.errors" type="array" required>
  List of errors indicating the reason(s) for the failure. Each error contains the fields below.
</ParamField>

<ParamField body="data.errors[].code" type="string" required>
  Error code indicating the reason for the failure. See [Error Codes](#error-codes) below.
</ParamField>

<ParamField body="data.errors[].message" type="string">
  Human-readable description of the error
</ParamField>

## Error Codes

<Note>
  New error codes may be added in future versions. Consumers should handle unknown codes gracefully.
</Note>

| Code                       | ISO  | Description              |
| -------------------------- | ---- | ------------------------ |
| `INCORRECT_ACCOUNT_NUMBER` | AC01 | Incorrect account number |
| `CLOSED_ACCOUNT`           | AC04 | Closed account           |
| `BLOCKED_ACCOUNT`          | AC06 | Blocked account          |
| `SYSTEM_ERROR`             | —    | Internal system error    |
| `OTHER`                    | —    | Unknown error            |

## Request Example

```json theme={null}
{
  "id": "a3b1c4d2-5e6f-7a8b-9c0d-1e2f3a4b5c6d",
  "time": "2025-01-15T10:30:00Z",
  "correlationId": "req-12345",
  "type": "payment.creation-failed",
  "data": {
    "scheme": "SCT",
    "direction": "OUTBOUND",
    "errors": [
      {
        "code": "INCORRECT_ACCOUNT_NUMBER",
        "message": "Incorrect account number (AC01)"
      }
    ]
  }
}
```