Saving Card on file for New Customer

[maloney1]

I am attempting validate a payment flow where the customer signs up for a subscription and will be charged a monthly fee for a listing on my website. At first, I though the issue was having multiple, almost duplicate customers created as part of a testing process. I made code changes to address the issue of creating customer succeeded and create card failed. And I've added logic to cleanup bad test data, which also deletes the associated square customer record. 

Even after all that, creating a card on file is failing when happening after customer creation. I have verified the nonce and verification token is being passed from the front-end to the back end and is being regenerated for each submittal. 

I am getting this error in my testing

2025-07-21T17:27:16.948-04:00  WARN 91103 --- [nio-8081-exec-4] c.g.y.p.s.PaymentOrchestrationService    : Error updating customer / saving card Error with status code 400 - {errors=[{category=INVALID_REQUEST_ERROR, code=INVALID_CARD_DATA, detail=Invalid card data., field=source_id}]}

This error is not helpful at all, and the documentation is not helpful, and neither is ChatGPT (it thinks the sourceId is not in the correct location in the payload ...)

[Sammie_C · Accepted solution]

Hi @maloney1, thank you for your post. Welcome to the Square Community!

I went ahead and reached out to our Account Services team and they did have a few questions for you:

1. Are you by chance using a Developer Integration?
2. Can you confirm that the card information is accurate by physically viewing this card?
3. Have you tried the Credit Card Authorization Form, as a workaround?

Please let me know these details and we can go from there.

[maloney1]

Just a quick reply, I fixed the initial error, by committing each step and ensuring that if the customer already exists, any prior saved cards are deleted

[Sammie_C]

Thank you for letting me know, @maloney1.

So I see you mentioned that you fixed the initial error, but see you are experiencing a new error. Or are you still experiencing the first issue, as well?

If so, at what point are seeing this error? 

{errors=[{code=CARD_DECLINED_VERIFICATION_REQUIRED, detail=Authorization error: 'CARD_DECLINED_VERIFICATION_REQUIRED', category=PAYMENT_METHOD_ERROR}], payment={id=BM6kDZpMGUsFJZXZ73VM93luIqRZY, created_at=2025-08-19T18:29:24.187Z, updated_at=2025-08-19T18:29:24.323Z, amount_money={amount=2900, currency=USD}, tip_money={amount=0, currency=USD}, app_fee_money={amount=0, currency=USD}, status=FAILED, delay_duration=PT168H, source_type=CARD, card_details={status=FAILED, card={card_brand=VISA, last_4=0004, exp_month=1, exp_year=2026, fingerprint=sq-1-LGcGscseyTwjx4aqb0hvXf_VCctR89_Oyl5DqCqS1ckJKQAxLfuEhYP0R6daf984Eg, card_type=DEBIT, prepaid_type=NOT_PREPAID, bin=480000}, entry_method=ON_FILE, cvv_status=CVV_NOT_CHECKED, avs_status=AVS_NOT_CHECKED, errors=[{code=CARD_DECLINED_VERIFICATION_REQUIRED, detail=Authorization error: 'CARD_DECLINED_VERIFICATION_REQUIRED', category=PAYMENT_METHOD_ERROR}], statement_description=, card_payment_timeline={authorized_at=2025-08-19T18:29:24.323Z}}, location_id=LG1AG21E6AZ4T, order_id=FQnreCvziIPXq1UQ1KqpfkHOtd4F, reference_id=34ea91e4-252b-42e7-b7e8-a3eee02ac8a2, [email protected], billing_address={address_line_1=81 Roseberry Road, locality=Covington, administrative_district_level_1=GA, postal_code=30016, first_name=Luther, last_name=Maloney}, note=20250819-000002, customer_id=5K1G30ZJGGKXBXC8V9XQ1ARV3G, total_money={amount=2900, currency=USD}, approved_money={amount=0, currency=USD}, delay_action=CANCEL, delayed_until=2025-08-26T18:29:24.187Z, application_details={square_product=ECOMMERCE_API, application_id=sandbox-sq0idb-M2aZ-sHnLqx0tFnGEbgTbw}, version_token=d3uXRT0B4Kt7TiLuE2tStLdDefhqqLd29eentefmgf85o}} 

[maloney1]

This is the response from the call to Payments API using the newly stored card. This only happens when using car numbers in the https://developer.squareup.com/docs/devtools/sandbox/payments#sca-testing-in-the-web-payments-sdk section. It does not happen when using card numbers in https://developer.squareup.com/docs/devtools/sandbox/payments#web-and-mobile-client-testing

My current process when a user signs up for a subscription, using the square react component, 

1. Generate nonce and verification tokens in the react component
2. Create the customer (if not already existing)
3. Store the card via v2 Cards API

4. Charge the customer's newly stored card

If this process is not the correct order to work with both card types, let me know. 

[Sammie_C]

Thank you for those details, @maloney1.

I reached out to our Account Services team again and they had a couple more questions:

• Could you please provide the card information for the particular card you are having issues with? Feel free to send this over a DM to me since it is private information.
• How are you trying to save the card on file? Is it through the Dashboard, POS, or do you have the physical card in front of you? We are trying to pinpoint if the card information is from within our system or your own API.
• Have you tried the Credit Card Authorization Form as a workaround?

If you could please answer those three questions and I can continue having this looked into for you.

[maloney1]

This does not apply, as the user will not be in the same physical location as the server code: 

• Have you tried the Credit Card Authorization Form as a workaround?

Additionally, I don't know how to make this any more clear, I am using the Web Payments SDK. WEB as in ONLINE - https://developer.squareup.com/docs/web-payments/overview. I am NOT using a dashboard, I am NOT using Point of Sale. I AM using WEB payments. ALSO, I am TESTING using SANDBOX, I am NOT TESTING with a LIVE credit card. The customer will be keying the credit card number into a WEB page USING the react component and using WEB apis. How can I explain this in a way that will be understood?

This is occurring in the sandbox as part of my testing payment integration process and I am using the dummy card numbers provided by Square via the documentation at https://developer.squareup.com/docs/devtools/sandbox/payments

In the https://developer.squareup.com/docs/devtools/sandbox/payments#web-and-mobile-client-testing section, 
It lists : 

Logs from a working CC Number
2025-08-21T15:42:23.755-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Updating existing customer for custId TXFCQCT456N7C01NJ7WHQ6Q3Z8, referenceId 97f25b92-ae6b-4c2b-8eba-0a3e0430823d
2025-08-21T15:42:27.714-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Calling square to update existing cutomer - {
"customer_id" : "TXFCQCT456N7C01NJ7WHQ6Q3Z8",
"address" : {
"country" : "US",
"address_line_1" : "2391 Armand Road",
"locality" : "Atlanta",
"postal_code" : "30324",
"first_name" : "Jeffrey",
"last_name" : "Sinclair",
"administrative_district_level_1" : "GA"
},
"company_name" : "",
"email_address" : "[email protected]",
"phone_number" : "+17707867219",
"reference_id" : "97f25b92-ae6b-4c2b-8eba-0a3e0430823d",
"given_name" : "Jeffrey",
"family_name" : "Sinclair"
}
2025-08-21T15:42:33.848-04:00 INFO 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Deactivating existing card for cardRef ccof:CA4SEGr2EgGuxhZj5-QaJ4ok9UYoAg
2025-08-21T15:42:34.460-04:00 INFO 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Deactivated existing card for cardRef ccof:CA4SEGr2EgGuxhZj5-QaJ4ok9UYoAg
2025-08-21T15:42:37.155-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.PaymentOrchestrationService : Deactivated existing payment method for subscriber 97f25b92-ae6b-4c2b-8eba-0a3e0430823d

2025-08-21T15:42:40.867-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.PaymentOrchestrationService : Replaced existing payment method for subscriber 97f25b92-ae6b-4c2b-8eba-0a3e0430823d with 86695a9a-2453-4996-81bc-824343dce50e
2025-08-21T15:42:43.982-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Creating new card on file for customer TXFCQCT456N7C01NJ7WHQ6Q3Z8
2025-08-21T15:42:51.576-04:00 INFO 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : PaymentMethodRequest - PaymentMethodRequest[paymentToken=cnon:CA4SEETK8aJWKUbW26bxU0Ge7McYASgC, verificationToken=verf:CA4SEOxyYTYQMaq0WuP5a2B7A0EoAg, emailValidationToken=a5UTk5Xm, referenceId=97f25b92-ae6b-4c2b-8eba-0a3e0430823d, firstName=Jeffrey, lastName=Sinclair, companyName=, payorAddress1=2391 Armand Road, payorAddress2=, payorCity=Atlanta, payorState=GA, payorPostalCode=30324, phoneNumber=+17707867219, [email protected]]
2025-08-21T15:42:58.032-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Calling square to create / save new card on file : {
"idempotency_key" : "86695a9a-2453-4996-81bc-824343dce50e",
"source_id" : "cnon:CA4SEETK8aJWKUbW26bxU0Ge7McYASgC",
"verification_token" : "verf:CA4SEOxyYTYQMaq0WuP5a2B7A0EoAg",
"card" : {
"billing_address" : {
"country" : "US",
"address_line_1" : "2391 Armand Road",
"locality" : "Atlanta",
"postal_code" : "30324",
"first_name" : "Jeffrey",
"last_name" : "Sinclair",
"administrative_district_level_1" : "GA"
},
"cardholder_name" : "Jeffrey Sinclair",
"reference_id" : "97f25b92-ae6b-4c2b-8eba-0a3e0430823d",
"customer_id" : "TXFCQCT456N7C01NJ7WHQ6Q3Z8"
}
}
2025-08-21T15:43:07.081-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.service.PaymentMethodService : Updating record for CCOF ccof:CA4SEGPYMqi4CVBqyzkE-9JoXK0oAg to payment method for 86695a9a-2453-4996-81bc-824343dce50e

2025-08-21T15:43:21.813-04:00 INFO 7314 --- [nio-8081-exec-8] c.g.y.p.s.PaymentTransactionService : creating new payment record for token
2025-08-21T15:43:24.336-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Processing payment for ref 7fe0ecaf-3dc7-4588-9aba-f30908b49a96 amount 29.00
2025-08-21T15:43:31.752-04:00 DEBUG 7314 --- [nio-8081-exec-8] c.g.y.p.s.impl.SquarePaymentService : Square payment request : {
"source_id" : "ccof:CA4SEGPYMqi4CVBqyzkE-9JoXK0oAg",
"idempotency_key" : "7fe0ecaf-3dc7-4588-9aba-f30908b49a96",
"amount_money" : {
"currency" : "USD",
"amount" : 2900
},
"tip_money" : {
"currency" : "USD",
"amount" : 0
},
"app_fee_money" : {
"currency" : "USD",
"amount" : 0
},
"autocomplete" : true,
"customer_id" : "TXFCQCT456N7C01NJ7WHQ6Q3Z8",
"reference_id" : "97f25b92-ae6b-4c2b-8eba-0a3e0430823d",
"buyer_email_address" : "[email protected]",
"buyer_phone_number" : "+17707867219",
"billing_address" : {
"address_line_1" : "2391 Armand Road",
"locality" : "Atlanta",
"postal_code" : "30324",
"first_name" : "Jeffrey",
"last_name" : "Sinclair",
"administrative_district_level_1" : "GA"
},
"note" : "20250821-000001"
}
2025-08-21T15:43:42.011-04:00 INFO 7314 --- [nio-8081-exec-8] c.g.y.p.s.PaymentTransactionService : updating payment record 7fe0ecaf-3dc7-4588-9aba-f30908b49a96 for completion with response

https://developer.squareup.com/docs/devtools/sandbox/payments#sca-testing-in-the-web-payments-sdk section, it lists:

Visa - 4800 0000 0000 0004 CVV 111
MasterCard - 5222 2200 0000 0005 CVV 111 (no verification code)
Master Card - 5248 4800 0021 0026 CVV 111 (verification code 123456)
These DO NOT work. 

Logs from non-working number, same process using Visa number 4800 0000 0000 0004 CVV 111

2025-08-21T15:54:16.757-04:00 DEBUG 7314 --- [nio-8081-exec-4] c.g.y.p.s.impl.SquarePaymentService : Creating new customer for paymentMethodId 0ad5bc9e-cfef-49b9-ab6d-e4cffd6a0a27
2025-08-21T15:54:16.758-04:00 DEBUG 7314 --- [nio-8081-exec-4] c.g.y.p.s.impl.SquarePaymentService : Calling square to crate new customer {
"idempotency_key" : "0ad5bc9e-cfef-49b9-ab6d-e4cffd6a0a27",
"given_name" : "Jack",
"family_name" : "Sparrow",
"email_address" : "[email protected]",
"address" : {
"country" : "US",
"address_line_1" : "81 Roseberry Road",
"locality" : "Covington",
"postal_code" : "30016",
"first_name" : "Jack",
"last_name" : "Sparrow",
"administrative_district_level_1" : "GA"
},
"phone_number" : "+17707861343",
"reference_id" : "3021f89d-156a-446e-8bdb-0e351c8c751f"
} for paymentMethodId 0ad5bc9e-cfef-49b9-ab6d-e4cffd6a0a27
2025-08-21T15:54:17.701-04:00 DEBUG 7314 --- [nio-8081-exec-4] c.g.y.p.service.PaymentMethodService : Updating externCustomer ZE8A5GXTE7F96CAMBGMAB93N0R to payment method for 0ad5bc9e-cfef-49b9-ab6d-e4cffd6a0a27

2025-08-21T15:54:19.949-04:00 INFO 7314 --- [nio-8081-exec-4] c.g.y.p.s.impl.SquarePaymentService : PaymentMethodRequest - PaymentMethodRequest[paymentToken=cnon:CA4SEAYbUf1MP3ePhsv0VQY6OigYASgC, verificationToken=verf:CA4SEFerTlhomuUEorB9bFpcmjYoAg, emailValidationToken=zhvG0I4r, referenceId=3021f89d-156a-446e-8bdb-0e351c8c751f, firstName=Jack, lastName=Sparrow, companyName=, payorAddress1=81 Roseberry Road, payorAddress2=, payorCity=Covington, payorState=GA, payorPostalCode=30016, phoneNumber=+17707861343, [email protected]]
2025-08-21T15:54:19.950-04:00 DEBUG 7314 --- [nio-8081-exec-4] c.g.y.p.s.impl.SquarePaymentService : Calling square to create / save new card on file : {
"idempotency_key" : "0ad5bc9e-cfef-49b9-ab6d-e4cffd6a0a27",
"source_id" : "cnon:CA4SEAYbUf1MP3ePhsv0VQY6OigYASgC",
"verification_token" : "verf:CA4SEFerTlhomuUEorB9bFpcmjYoAg",
"card" : {
"billing_address" : {
"country" : "US",
"address_line_1" : "81 Roseberry Road",
"locality" : "Covington",
"postal_code" : "30016",
"first_name" : "Jack",
"last_name" : "Sparrow",
"administrative_district_level_1" : "GA"
},
"cardholder_name" : "Jack Sparrow",
"reference_id" : "3021f89d-156a-446e-8bdb-0e351c8c751f",
"customer_id" : "ZE8A5GXTE7F96CAMBGMAB93N0R"
}
}
2025-08-21T15:54:20.615-04:00 DEBUG 7314 --- [nio-8081-exec-4] c.g.y.p.service.PaymentMethodService : Updating record for CCOF ccof:CA4SEK7z5pnBNwsmYyFzDVW14c8oAg to payment method for 0ad5bc9e-cfef-49b9-ab6d-e4cffd6a0a27

2025-08-21T15:54:26.625-04:00 DEBUG 7314 --- [nio-8081-exec-4] c.g.y.p.s.impl.SquarePaymentService      : Processing payment for ref 14c34c21-abae-482a-ac72-911e33f45c82 amount 29.00

2025-08-21T15:54:28.571-04:00 DEBUG 7314 --- [nio-8081-exec-4] c.g.y.p.s.impl.SquarePaymentService      : Square payment request : {

  "source_id" : "ccof:CA4SEK7z5pnBNwsmYyFzDVW14c8oAg",

  "idempotency_key" : "14c34c21-abae-482a-ac72-911e33f45c82",

  "amount_money" : {

    "currency" : "USD",

    "amount" : 2900

  },

  "tip_money" : {

    "currency" : "USD",

    "amount" : 0

  },

  "app_fee_money" : {

    "currency" : "USD",

    "amount" : 0

  },

  "autocomplete" : true,

  "customer_id" : "ZE8A5GXTE7F96CAMBGMAB93N0R",

  "reference_id" : "3021f89d-156a-446e-8bdb-0e351c8c751f",

  "buyer_email_address" : "[email protected]",

  "buyer_phone_number" : "+17707861343",

  "billing_address" : {

    "address_line_1" : "81 Roseberry Road",

    "locality" : "Covington",

    "postal_code" : "30016",

    "first_name" : "Jack",

    "last_name" : "Sparrow",

    "administrative_district_level_1" : "GA"

  },

  "note" : "20250821-000002"

}

2025-08-21T15:54:31.877-04:00  WARN 7314 --- [nio-8081-exec-4] c.g.y.p.s.PaymentOrchestrationService    : Error with status code 402

com.squareup.square.core.SquareApiException: Error with status code 402

at com.squareup.square.RawPaymentsClient.create(RawPaymentsClient.java:242) ~[square-45.0.0.20250618.jar:na]

at com.squareup.square.RawPaymentsClient.create(RawPaymentsClient.java:195) ~[square-45.0.0.20250618.jar:na]

at com.squareup.square.PaymentsClient.create(PaymentsClient.java:81) ~[square-45.0.0.20250618.jar:na]

Error Response
{errors=[{code=CARD_DECLINED_VERIFICATION_REQUIRED, detail=Authorization error: 'CARD_DECLINED_VERIFICATION_REQUIRED', category=PAYMENT_METHOD_ERROR}], payment={id=7ho7uJZWBdqfORtDHWCm4sDbafZZY, created_at=2025-08-21T19:54:29.124Z, updated_at=2025-08-21T19:54:29.263Z, amount_money={amount=2900, currency=USD}, tip_money={amount=0, currency=USD}, app_fee_money={amount=0, currency=USD}, status=FAILED, delay_duration=PT168H, source_type=CARD, card_details={status=FAILED, card={card_brand=VISA, last_4=0004, exp_month=1, exp_year=2026, fingerprint=sq-1-LGcGscseyTwjx4aqb0hvXf_VCctR89_Oyl5DqCqS1ckJKQAxLfuEhYP0R6daf984Eg, card_type=DEBIT, prepaid_type=NOT_PREPAID, bin=480000}, entry_method=ON_FILE, cvv_status=CVV_NOT_CHECKED, avs_status=AVS_NOT_CHECKED, errors=[{code=CARD_DECLINED_VERIFICATION_REQUIRED, detail=Authorization error: 'CARD_DECLINED_VERIFICATION_REQUIRED', category=PAYMENT_METHOD_ERROR}], statement_description=, card_payment_timeline={authorized_at=2025-08-21T19:54:29.263Z}}, location_id=LG1AG21E6AZ4T, order_id=dMh8qYXCWGNH0rFmESkGdCKvQa4F, reference_id=3021f89d-156a-446e-8bdb-0e351c8c751f, [email protected], billing_address={address_line_1=81 Roseberry Road, locality=Covington, administrative_district_level_1=GA, postal_code=30016, first_name=Jack, last_name=Sparrow}, note=20250821-000002, customer_id=ZE8A5GXTE7F96CAMBGMAB93N0R, total_money={amount=2900, currency=USD}, approved_money={amount=0, currency=USD}, delay_action=CANCEL, delayed_until=2025-08-28T19:54:29.124Z, application_details={square_product=ECOMMERCE_API, application_id=sandbox-sq0idb-M2aZ-sHnLqx0tFnGEbgTbw}, version_token=9CmC1nzHvfdh63XWtvqYew2o7AI2Bgj0ZaictSPb07i6o}}

Am I following the correct sequence to add a card on file and charge the card for these "SCA testing Web Payments" cards?

[Sammie_C]

@maloney1, I just heard back with our Operations team on this and they are escalating this over to one of our other teams. As soon as I have an update on this, I will keep you posted as soon as possible. I appreciate your patience with this.

I also went ahead and removed some of the potentially private information on this tread, just as a heads up!

[maloney1]

I am testing using developer integration sandbox and using dummy card numbers provided on https://developer.squareup.com/docs/devtools/sandbox/payments#sca-testing-in-the-web-payments-sdk. The card numbers under "SCA testing in Web Payments SDK" do not appear to be working. However, the card numbers under "Web and mobile client testing" appear to be working.  

In both cases, the process below is being followed by the application 
1. Enter the card to get the nonce and verification code via react component
2. If the customer does not exist, create the customer via POST /v2/customers
3. Add a card on file via POST /v2/cards
4. Process payment via POST /v2/payments

In the "SCA testing in Web Payments SDK" use case,

I am generating to my server ( note the paymentToken and verification token generated by the react square component)
{"referenceId":"34ea91e4-252b-42e7-b7e8-a3eee02ac8a2","paymentToken":"cnon:CA4SEIZfR8RW70WkZ3kl3TENsCsYASgC","verificationToken":"verf:CA4SEPpei0U6oItGbi8I7xNSVykoAg","emailValidationToken":"kJ4afVbF","firstName":"Luther","lastName":"Maloney","emailAddress":"[email protected]","phoneNumber":"+17707861343","companyName":"","addressLine1":"81 Roseberry Road","addressLine2":"","city":"Covington","state":"GA","postalCode":"30016","producerPayment":{"paymentMethod":"CREDIT_CARD","actionType":"APPLY_RECURRING","cycleType":"MONTHLY"}}

I am passing either "CHARGE" or "STORE" as the intent parameter/property of the component

intent: paymentType === 'CLASSIFIED' ? 'CHARGE' as const : 'STORE' as const,

The request / response from Square APIs

🔐 Verification Details: {billingContact: {…}, billingAddress: {…}, amount: '1.00', currencyCode: 'USD', intent: 'STORE'}amount: "1.00"billingAddress: {addressLines: Array(1), locality: 'Covington', administrativeDistrictLevel1: 'GA', postalCode: '30016'}billingContact: {givenName: 'Luther', familyName: 'Maloney', addressLines: Array(1), locality: 'Covington', administrativeDistrictLevel1: 'GA', …}currencyCode: "USD"intent: "STORE"[[Prototype]]: Object
square.js:3 📤 Tokenize Response: {details: {…}, status: 'OK', token: 'cnon:CA4SEIZfR8RW70WkZ3kl3TENsCsYASgC'} {token: 'verf:CA4SEPpei0U6oItGbi8I7xNSVykoAg', userChallenged: true}


I get the error below

{errors=[{code=CARD_DECLINED_VERIFICATION_REQUIRED, detail=Authorization error: 'CARD_DECLINED_VERIFICATION_REQUIRED', category=PAYMENT_METHOD_ERROR}], payment={id=BM6kDZpMGUsFJZXZ73VM93luIqRZY, created_at=2025-08-19T18:29:24.187Z, updated_at=2025-08-19T18:29:24.323Z, amount_money={amount=2900, currency=USD}, tip_money={amount=0, currency=USD}, app_fee_money={amount=0, currency=USD}, status=FAILED, delay_duration=PT168H, source_type=CARD, card_details={status=FAILED, card={card_brand=VISA, last_4=0004, exp_month=1, exp_year=2026, fingerprint=sq-1-LGcGscseyTwjx4aqb0hvXf_VCctR89_Oyl5DqCqS1ckJKQAxLfuEhYP0R6daf984Eg, card_type=DEBIT, prepaid_type=NOT_PREPAID, bin=480000}, entry_method=ON_FILE, cvv_status=CVV_NOT_CHECKED, avs_status=AVS_NOT_CHECKED, errors=[{code=CARD_DECLINED_VERIFICATION_REQUIRED, detail=Authorization error: 'CARD_DECLINED_VERIFICATION_REQUIRED', category=PAYMENT_METHOD_ERROR}], statement_description=, card_payment_timeline={authorized_at=2025-08-19T18:29:24.323Z}}, location_id=LG1AG21E6AZ4T, order_id=FQnreCvziIPXq1UQ1KqpfkHOtd4F, reference_id=34ea91e4-252b-42e7-b7e8-a3eee02ac8a2, [email protected], billing_address={address_line_1=81 Roseberry Road, locality=Covington, administrative_district_level_1=GA, postal_code=30016, first_name=Luther, last_name=Maloney}, note=20250819-000002, customer_id=5K1G30ZJGGKXBXC8V9XQ1ARV3G, total_money={amount=2900, currency=USD}, approved_money={amount=0, currency=USD}, delay_action=CANCEL, delayed_until=2025-08-26T18:29:24.187Z, application_details={square_product=ECOMMERCE_API, application_id=sandbox-sq0idb-M2aZ-sHnLqx0tFnGEbgTbw}, version_token=d3uXRT0B4Kt7TiLuE2tStLdDefhqqLd29eentefmgf85o}}