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

# checkout_authorization.refused

> One of your presets refused a purchase before anyone was asked to approve it. No authorization exists and nothing was charged.

One of your presets refused a purchase when your agent tried to open it. No authorization was created, so `authorization_id` is null, nobody was asked to approve, and nothing was charged. `reason` is the rule's code, the same code a card preset produces: `merchant_denied`, `currency_denied`, `currency_unknown`, `spend_total_exceeded`, `spend_rate_exceeded`, `spend_rate_unknown`, `time_window_denied`, or `surface_denied`. `preset` names the preset and version that refused, `attachment` says which card it is attached to (`card` with the card id and its last four digits), `rule` names the kind of rule, and `message` says what the rule allows and your next step. `refusals` lists every preset that refused, each with its `preset`, `attachment`, `rule`, `reason`, and `message`; the fields above are its first entry.

A refusal right before the card was sent fires [`checkout_authorization.declined`](/webhooks/checkout-authorizations/checkout_authorization-declined) instead, with the same `reason`, `preset`, `attachment`, `rule`, `message`, and `refusals` fields, because an authorization exists there. See [Set rules on a card](/vault/set-rules-on-a-card).

```json theme={null}
{
  "id": "evt_9f8e7d6c5b4a",
  "type": "checkout_authorization.refused",
  "created": 1757264400,
  "livemode": false,
  "data": {
    "authorization_id": null,
    "user_id": "cmtvwbbz80002jpcctuianq78",
    "external_user_id": "cmtvwbbz80002jpcctuianq78",
    "merchant": "Braxter's Deli",
    "amount": 2306,
    "currency": "usd",
    "amount_display": "$23.06",
    "psp": "shopify",
    "mode": "token",
    "stage": "create",
    "reason": "merchant_denied",
    "rule": "merchant",
    "message": "Preset \"office-supplies\", attached to the card ending in 7318: merchant denied. This purchase is at braxters-deli.example. The preset allows EXAMPLE SHOP and ACME. Add the merchant to the preset with PUT /api/v2/vault/presets/office-supplies, or buy from an allowed merchant.",
    "preset": {
      "id": "cmtvwbc0g000bjpcc88yiyx8z",
      "name": "office-supplies",
      "version": 1
    },
    "attachment": {
      "kind": "card",
      "last4": "7318",
      "target_id": "cmtvwbbzj0006jpccycjrkqy4"
    },
    "refusals": [
      {
        "rule": "merchant",
        "preset": {
          "id": "cmtvwbc0g000bjpcc88yiyx8z",
          "name": "office-supplies",
          "version": 1
        },
        "reason": "merchant_denied",
        "message": "Preset \"office-supplies\", attached to the card ending in 7318: merchant denied. This purchase is at braxters-deli.example. The preset allows EXAMPLE SHOP and ACME. Add the merchant to the preset with PUT /api/v2/vault/presets/office-supplies, or buy from an allowed merchant.",
        "attachment": {
          "kind": "card",
          "last4": "7318",
          "target_id": "cmtvwbbzj0006jpccycjrkqy4"
        }
      }
    ]
  }
}
```