Array
(
    [event] => transaction:refund:declined
    [payload] => stdClass Object
        (
            [id] => 159931986
            [acquirer] => hipotekarna-ecomm
            [order_number] => add_card_68fde2f2961fd_1761469170
            [order_info] => add-card
            [amount] => 200
            [currency] => EUR
            [ch_full_name] => Milos Rajkovic
            [outgoing_amount] => 200
            [outgoing_currency] => EUR
            [approval_code] => TJXWEE
            [response_code] => 1050
            [acq_response_code] => XX
            [response_message] => Gateway error
            [reference_number] => 966386268350
            [systan] => 931986
            [eci] => 
            [xid] => 
            [acsv] => 
            [cc_type] => visa
            [status] => declined
            [created_at] => 2025-10-27T12:02:07.808+01:00
            [transaction_type] => refund
            [enrollment] => 
            [authentication] => 
            [pan_token] => 1b985e48945d8e990996f87e1484aadd61aec61606a7fb3c16c22f5dbd27fb48
            [ch_email] => mrajkovicmne@gmail.com
            [masked_pan] => 410618-xxx-xxx-5719
            [issuer] => off-us-me
            [number_of_installments] => 
            [custom_params] => 
            [expiration_date] => 2802
            [issuer_groups] => Array
                (
                )

            [card_type_id] => 1
        )

)