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

# CARD_FAILED

> Fired when a card failed to be updated in a merchant account.

Fired when a card failed to be updated in a merchant account. The reason is specified in the `reason` field.

### Failure Reasons

| Reason                                          | **Description**                                                                                                                                |
| ----------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------- |
| `account`                                       | The user's merchant account has an issue (e.g. a foreign account).                                                                             |
| `card`                                          | The user's card information has an issue (e.g. incorrect phone #, incorrect billing address, unsupported card type, etc.).                     |
| `card expired`                                  | The user's card is expired.                                                                                                                    |
| `card in use`                                   | The card is already in use in another account.                                                                                                 |
| `insufficient funds`                            | The user's depository account associated with their card does not have sufficient funds to cover the pre-authorization hold from the merchant. |
| `subscription`                                  | The user's merchant account does not have an active subscription.                                                                              |
| `subscription admin`                            | The user does not have the necessary authorization to update the payment method in the merchant account.                                       |
| `third-party payment method on subscription`    | The user pays for the merchant's service through a 3rd party merchant account (e.g. Spotify through Hulu).                                     |
| `too close to end of billing cycle`             | The user's billing cycle date is too close.                                                                                                    |
| `too many attempts`                             | The user attempted to enter their login credentials (e.g. username, password, OTP) to the merchant account too many times.                     |
| `credentials`                                   | The user entered incorrect credentials when logging in to the merchant.                                                                        |
| `otp`                                           | The user entered an incorrect OTP code when logging in to the merchant.                                                                        |
| `credentials timeout`                           | The user did not enter their login credentials to the merchant account in a certain period of time.                                            |
| `otp timeout`                                   | The user did not enter their otp code to the merchant account in a certain period of time.                                                     |
| `questions timeout`                             | The user did not enter the answers to the security questions for the merchant account in a certain period of time.                             |
| `zip timeout`                                   | The user did not enter their zip code associated with their merchant account in a certain period of time.                                      |
| `session not authenticated`                     | Knot could not authenticate to the user's merchant account.                                                                                    |
| `did not receive payment method information`    | Knot did not receive any card information.                                                                                                     |
| `could not handle payment method information`   | Knot encountered an error handling the user's card information once received.                                                                  |
| `could not retrieve payment method information` | Knot was unsuccessful in retrieving payment method information from from a direct processor integration.                                       |
| `other`                                         | An unknown issue was encountered.                                                                                                              |


## OpenAPI

````yaml /api-reference/openapi.json webhook card_failed
openapi: 3.1.0
info:
  title: Knot API
  description: An API to interact with the Knot merchant connectivity platform.
  version: 1.0.0
servers:
  - url: https://development.knotapi.com
    description: Development server
security:
  - basicAuth: []
paths: {}
components:
  securitySchemes:
    basicAuth:
      type: http
      scheme: basic
      description: >-
        Basic authentication header of the form `Basic <encoded-value>`, where
        `<encoded-value>` is the base64-encoded string `username:password`. Use
        your `client_id` as the `username` and your `secret` as the `password`
        value.

````