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

# Pago fallido

> El pago fue rechazado o falló

<span className="cobrix-event-name">payment.failed</span>

## Qué significa

El proveedor, el banco o el flujo de validación no pudo confirmar el pago. El campo `reason` contiene la explicación operativa y `failedAt` indica cuándo se produjo el fallo.

## Payload completo

```json theme={null}
{
  "id": "evt_e2dfd047-d75d-453a-aeed-924f13b10e25",
  "event": "payment.failed",
  "created_at": "2026-07-14T16:05:00.000Z",
  "api_version": "2025-01-21",
  "data": {
    "paymentId": "pay_bf42a90e",
    "companyId": "7d355d52-ac74-49f5-b31c-ce29b4680752",
    "checkoutSessionId": "cs_45c2c66f",
    "companyCustomerId": "cc_8aa37fd1",
    "customer": {
      "companyCustomerId": "cc_8aa37fd1",
      "name": "Ana Pérez",
      "email": "ana@example.com",
      "phone": "+584120000000",
      "taxId": "V12345678",
      "externalRef": "customer-1001",
      "metadata": null,
      "customerCode": "C-1001",
      "labels": [],
      "status": "active",
      "customFieldsData": null,
      "type": "individual",
      "address": null
    },
    "amount": 20,
    "amountMinor": 2000,
    "currency": "USD",
    "method": "debito_inmediato",
    "payment": {
      "id": "pay_bf42a90e",
      "companyId": "7d355d52-ac74-49f5-b31c-ce29b4680752",
      "companyCustomerId": "cc_8aa37fd1",
      "checkoutSessionId": "cs_45c2c66f",
      "subscriptionId": null,
      "status": "failed",
      "reconciliationStatus": "failed",
      "amount": 20,
      "amountMinor": 2000,
      "currency": "USD",
      "referenceAmountMinor": null,
      "referenceCurrency": null,
      "provider": "bank",
      "providerChargeId": "bank_tx_102",
      "hasPaymentReference": false,
      "paymentReference": null,
      "paymentReferenceMasked": null,
      "hasProof": false,
      "paidAt": null,
      "valueDate": null,
      "createdAt": "2026-07-14T16:04:30.000Z",
      "updatedAt": "2026-07-14T16:05:00.000Z",
      "exchange": null
    },
    "paymentMethod": {
      "kind": "debito_inmediato",
      "method": "debitoInmediato",
      "label": "Débito inmediato",
      "channel": "automatic",
      "provider": "bank",
      "isManual": false,
      "requiresReconciliation": false,
      "receiver": null,
      "receiverCheck": null,
      "submitted": null,
      "review": {
        "requiresReview": false,
        "reasons": [],
        "ocrVerdict": null,
        "ocrConfidence": null
      }
    },
    "paymentReference": null,
    "status": "failed",
    "subscriptionId": null,
    "reason": "Pago rechazado por el banco",
    "exchange": null,
    "failedAt": "2026-07-14T16:05:00.000Z"
  }
}
```

## Qué hacer

* Mostrar `reason` al operador o cliente sin revelar información sensible.
* Mantener el intento fallido para auditoría.
* Permitir un nuevo intento con un identificador nuevo.
* No marcar el documento como pagado ni modificar saldos.