This event fires when auto-reload cannot complete — commonly because the card was declined or the saved payment method is invalid or expired.

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Payload

{
  "id": "evt_xxxxx",
  "event": "billing.auto_reload_failed",
  "timestamp": "2026-03-28T09:00:30Z",
  "data": {
    "attempted_amount": 50.00,
    "currency": "EUR",
    "failure_reason": "card_declined",
    "balance": {
      "free": 4.82,
      "reserved": 1.18,
      "total": 6.00
    },
    "failed_at": "2026-03-28T09:00:30Z"
  }
}
failure_reasonMeaning
card_declinedPayment declined by the card issuer
insufficient_fundsCard has insufficient funds
payment_method_expiredCard or SEPA mandate expired
payment_method_missingNo payment method configured