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Outbound client webhook sample

{
  "event": "authorization.declined",
  "client": "6808f7f32db4d7c5e3f91a11",
  "createdAt": "2026-04-23T10:01:01.000Z",
  "data": {
    "eventType": "authorization.declined",
    "cardId": "6808f7f32db4d7c5e3f91b22",
    "cardHolderId": "6808f7f32db4d7c5e3f91c33",
    "accountId": "6808f7f32db4d7c5e3f91d44",
    "transaction": {
      "_id": "6808f7f32db4d7c5e3f91e56",
      "amount": -42.75,
      "fee": 0,
      "vat": 0,
      "currency": "USD",
      "type": "authorization.declined",
      "merchantAmount": -42.75,
      "merchantCurrency": "USD",
      "merchant": {
        "category": "5411",
        "name": "ACME SUPERMARKET",
        "merchantId": "MID998877",
        "city": "Abuja",
        "state": "FC",
        "country": "NG",
        "postalCode": "900001"
      },
      "terminal": {
        "rrn": "210987654321",
        "stan": "654321",
        "terminalId": "TERM9876",
        "terminalOperatingEnvironment": "card_not_present",
        "terminalAttendance": "unattended",
        "terminalType": "ecommerce",
        "panEntryMode": "manual",
        "pinEntryMode": "none",
        "cardHolderPresence": false,
        "cardPresence": false
      },
      "transactionMetadata": {
        "channel": "web",
        "type": "purchase",
        "reference": "auth-ref-1002"
      },
      "metadata": {
        "eventType": "authorization.declined",
        "environment": "production",
        "business": "business_123",
        "status": "declined",
        "approved": false,
        "authorizationMethod": "online",
        "reason": "insufficient_funds",
        "narration": "Declined due to insufficient balance",
        "requestHistory": [
          {
            "reason": "insufficient_funds",
            "narration": "Declined due to insufficient balance"
          }
        ]
      },
      "createdAt": "2026-04-23T10:01:00.000Z",
      "updatedAt": "2026-04-23T10:01:00.000Z"
    },
    "decline": {
      "status": "declined",
      "approved": false,
      "authorizationMethod": "online",
      "reason": "insufficient_funds",
      "narration": "Declined due to insufficient balance"
    },
    "context": {
      "eventId": "evt_sudo_02",
      "environment": "production",
      "business": "business_123",
      "createdAt": 1713878460
    }
  }
}