{
"additionalData": {
"refusalReasonRaw": "Failed: Risk of bank-initiated ACH returns"
},
"amount": {
"currency": "USD",
"value": 10000
},
"eventCode": "AUTHORISATION",
"eventDate": "2026-02-18T17:32:01+01:00",
"merchantAccountCode": "AlexFernandezECOM",
"merchantReference": "65d38fa2-8121-401b-a3c7-a0e5bcf01e2c",
"paymentMethod": "paybybank_AIS_DD",
"pspReference": "LSW43WTK854SXC75",
"reason": "Refused",
"success": "false"
}