Reason:
| "account_disabled"
| "card_active"
| "card_canceled"
| "card_expired"
| "card_inactive"
| "cardholder_blocked"
| "cardholder_inactive"
| "cardholder_verification_required"
| "insecure_authorization_method"
| "insufficient_funds"
| "network_fallback"
| "not_allowed"
| "pin_blocked"
| "spending_controls"
| "suspected_fraud"
| "verification_failed"
| "webhook_approved"
| "webhook_declined"
| "webhook_error"
| "webhook_timeout"