{
  "ape_version": "0.1",
  "id": "evt_01JA8S9X4C6V8B0N2M4Q6W8E0R",
  "type": "payment.failed",
  "occurred_at": "2026-10-17T11:40:12.004Z",
  "environment": "test",
  "source": {
    "id": "src_01JA8P2Q3W4E5R6T7Y8U9I0O1P",
    "sdk": "@halvorai/ingest@0.1.0",
    "adapter": "stripe"
  },
  "agent": {
    "id": "agt_procure_03",
    "name": "Procurement agent"
  },
  "owner": {
    "id": "own_acme_ltd",
    "type": "business"
  },
  "payment": {
    "payment_id": "pi_3QxAbCdEfGhIjKlM",
    "rail": "stripe",
    "amount": {
      "value": "230000",
      "unit": "minor",
      "currency": "USD"
    },
    "status": "failed",
    "failure_reason": "card_declined",
    "rail_ref": {
      "payment_intent": "pi_3QxAbCdEfGhIjKlM",
      "shared_payment_token": "spt_1QxNoPqRsTuV"
    }
  },
  "payee": {
    "type": "merchant",
    "name": "Northwind Office Supply",
    "id": "acct_1Nw0rTh"
  },
  "instrument": {
    "type": "stripe_spt"
  }
}