> ## 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.settlement_unconfirmed

> Agentcard's read of the payment rested anywhere but settled: no charge was made, or the answer stayed unknown for a named reason.

Fires once, after `approved` (or after `expired` with `replay_attempted: true`) for the same authorization, when Agentcard's read of the payment reaches its final answer and that answer is not `settled`. Read `settlement.status` and `settlement.reason`; `settlement.message` says the same thing in a sentence.

`status: "not_settled"` means the processor holds no successful payment for this request and will not: the intent was canceled (`processor_canceled`), the confirm the device sent was refused (`confirm_failed`, with the processor's code in `processor_error_code`), or no confirm ever reached the processor (`not_confirmed`). Nothing was charged; a retry is a new purchase.

`status: "unknown"` with `final: true` means Agentcard stopped checking without a definite answer. The reason names what was seen last: the processor was still waiting on a step in the shopper's browser, a captcha or a bank challenge (`awaiting_customer_action`); the payment was still processing (`processor_processing`); the merchant had not captured an authorization (`awaiting_merchant_capture`); or the processor could not be read (`processor_unreachable`, `processor_refused_read`, `processor_reply_malformed`). Confirm with the merchant. Agentcard never fills this gap with a receipt.

```json theme={null}
{
  "id": "evt_9f8e7d6c5b4a",
  "type": "checkout_authorization.settlement_unconfirmed",
  "created": 1757264400,
  "livemode": false,
  "data": {
    "authorization_id": "cauth_2q9d1x8f3k2m4t7w",
    "user_id": "usr_8f3k2m",
    "external_user_id": "usr_8f3k2m",
    "merchant": "apps.dan.org",
    "amount": 500,
    "currency": "usd",
    "amount_display": "$5.00",
    "amount_authority": "processor",
    "psp": "stripe",
    "mode": "token",
    "status": "approved",
    "settlement": {
      "status": "not_settled",
      "reason": "confirm_failed",
      "final": true,
      "processor_reference": "pi_3Qxample",
      "processor_status": "requires_payment_method",
      "processor_error_code": "payment_intent_authentication_failure",
      "settled_amount": null,
      "settled_currency": null,
      "checked_at": "2026-09-17T21:02:40.000Z",
      "resolved_at": "2026-09-17T21:02:40.000Z",
      "message": "The processor holds no successful payment for this request; its last attempt failed with code payment_intent_authentication_failure. No charge was made."
    }
  }
}
```