Array ( [event] => transaction:purchase:declined [payload] => stdClass Object ( [id] => 201043753 [acquirer] => hipotekarna-ecomm [order_number] => add_card_6a60a902dc335_1784719618 [order_info] => add-card [amount] => 200 [currency] => EUR [ch_full_name] => Vasilije Uskokovic [outgoing_amount] => 200 [outgoing_currency] => EUR [approval_code] => [response_code] => 1050 [acq_response_code] => 12 [response_message] => declined [reference_number] => 967853722608 [systan] => 043753 [eci] => 05 [xid] => 605d9c70-b94f-4217-ad0e-dff7205c40d6 [acsv] => AAcBB3VRSAAAAADIl4IDdQAA**** [cc_type] => visa [status] => declined [created_at] => 2026-07-22T13:27:24.995+02:00 [transaction_type] => purchase [enrollment] => Y [authentication] => [pan_token] => [ch_email] => vasouskokovic@gmail.com [masked_pan] => 410618-xxx-xxx-3528 [issuer] => nlb-mne [number_of_installments] => [custom_params] => [expiration_date] => 2609 [issuer_groups] => Array ( ) [card_type_id] => 1 ) )