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

# payouts.external_payout.failed

> A payout to the bank has failed.

# payouts.external\_payout.failed

> Generated from COPE public event contracts. Do not edit this page by hand.

Use this event to act on a payout your bank refused or returned, for example because the account was closed. `failure_code` and `failure_message` are Stripe's. The money is back in your Stripe balance and is sent again with a later payout once the bank details are fixed.

## Delivery Contract

| Field | Value |
| - | - |
| Encoding | JSON: `id`, `type`, `version`, `source`, `created_at`, `data` |
| Delivery | At least once |
| Idempotency | Deduplicate on `id`: every retry and replay of this event repeats it, and `X-Cope-Event-Id` carries it. |
| Source | `cope.payouts` |
| Category | Payouts |
| Availability | Available in the public webhook reference. |
| Schema title | payouts.external\_payout.failed webhook body |
| Schema ID | `https://schemas.cope.com/webhooks/payouts.external_payout.failed/v1` |

## Payload Fields

| Field | Required | Type | Allowed Values | Description | |
| - | - | - | - | - | - |
| `amount_cents` | yes | `integer` | - | What this payout sent to the connected account and on to the bank: the net of the payout fee. | |
| `business` | no | `object` | - | The business this event concerns. Carries `object` (what it is) and `id` (which one); `id` is the public identifier a merchant addresses it by. | |
| `currency` | yes | `string` | - | - | |
| `failed_at` | yes | `string` | - | - | |
| `failure_code` | no | \`string | null\` | - | Stripe's payout failure code, for example `account_closed`. |
| `failure_message` | no | \`string | null\` | - | Stripe's explanation of the failure, suitable to show the seller. |
| `payout` | no | `object` | - | The payout this event concerns. Carries `object` (what it is) and `id` (which one); `id` is the public identifier a merchant addresses it by. | |

## Example delivery

```json theme={"theme":{"light":"github-light","dark":"github-dark"}}
{
  "created_at": "2026-05-05T12:00:00.000Z",
  "data": {
    "amount_cents": 4900,
    "business": {
      "id": "biz_g7-Jq2PxT_4mRvNa",
      "object": "business"
    },
    "currency": "EUR",
    "failed_at": "2026-05-12T16:30:12Z",
    "failure_code": "example_failure_code",
    "failure_message": "example_failure_message",
    "payout": {
      "id": "po_R2mX8sKq4TbW",
      "object": "payout"
    }
  },
  "id": "8d2f6c1a-4e7b-4a39-b5d0-2c9e1f7a3b64",
  "source": "cope.payouts",
  "type": "payouts.external_payout.failed",
  "version": "v1"
}
```

## Compatibility

Fields may be added within the same major version. Removing or changing the meaning of a documented field requires a new event version.