Declined Transfer with $1.02 transaction amount

transfer.rb

# when i do 1.02 with any card
request_body:
   {"tags"=>{"charge_id"=>"ch_dMh3YCCXm5W8H84LX2C5fuLfiy5qcYh3"}, "amount"=>102, "source"=>"PIrnjSWBWe9CLX8RxSWcHP1c", "currency"=>"USD", "merchant"=>"MUd3YsPpEp6HRXUXhL8xu3xV", "idempotency_id"=>"ch_dMh3YCCXm5W8H84LX2C5fuLfiy5qcYh3", "fraud_session_id"=>"FSNDIxM2U1NWUtNDEyZC00NzRmLThjNmYtMmRmNzRjYWI2NjZk"},
  response_body:
   {"total"=>1, "_embedded"=>{"errors"=>[{"code"=>"DECLINED", "_links"=>{"self"=>{"href"=>"https://finix.sandbox-payments-api.com/transfers"}, "transfer"=>{"href"=>"https://finix.sandbox-payments-api.com/transfers/TRrywKbQBCDvjpiicxrW5n6q"}}, "logref"=>"f0f24ddd576149dd", "message"=>"Transfer TRrywKbQBCDvjpiicxrW5n6q was declined. DECLINED", "transfer"=>"TRrywKbQBCDvjpiicxrW5n6q", "failure_code"=>"GENERIC_DECLINE", "failure_message"=>"The transaction was declined for an unknown reason. The account owner needs to contact their issuer for more information."}]}}

# when i do with 4242
id: "f049c6f1-47cb-49e8-96ab-fcf10d74e957",
  business_id: "890a913a-6902-4640-9bc2-001eac70b005",
  status: "success",
  response_status: 201,
  request_body:
   {"tags"=>{"charge_id"=>"ch_M9BD1c8rBZ6ZuvMjfdBnoieHHEHJbDBj"}, "amount"=>2500, "source"=>"PIc6wrwZawxNsZZLemStp4Fc", "currency"=>"USD", "merchant"=>"MUd3YsPpEp6HRXUXhL8xu3xV", "idempotency_id"=>"ch_M9BD1c8rBZ6ZuvMjfdBnoieHHEHJbDBj", "fraud_session_id"=>"FSZjBmZGM0OWUtY2ZkZi00NGYxLTkxNmMtYzg4NWUyM2QyMTM3"},
  response_body:
   {"id"=>"TRnL46wgMySx1uq7GgUK62EJ", "fee"=>0, "raw"=>nil, "tags"=>{"charge_id"=>"ch_M9BD1c8rBZ6ZuvMjfdBnoieHHEHJbDBj"}, "type"=>"DEBIT", "state"=>"FAILED", "_links"=>{"fees"=>{"href"=>"https://finix.sandbox-payments-api.com/transfers/TRnL46wgMySx1uq7GgUK62EJ/fees"}, "self"=>{"href"=>"https://finix.sandbox-payments-api.com/transfers/TRnL46wgMySx1uq7GgUK62EJ"}, "source"=>{"href"=>"https://finix.sandbox-payments-api.com/payment_instruments/PIc6wrwZawxNsZZLemStp4Fc"}, "disputes"=>{"href"=>"https://finix.sandbox-payments-api.com/transfers/TRnL46wgMySx1uq7GgUK62EJ/disputes"}, "reversals"=>{"href"=>"https://finix.sandbox-payments-api.com/transfers/TRnL46wgMySx1uq7GgUK62EJ/reversals"}, "application"=>{"href"=>"https://finix.sandbox-payments-api.com/applications/AP3HhpJDxXLQaoF8LGA15UeT"}, "fee_profile"=>{"href"=>"https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d"}, "merchant_identity"=>{"href"=>"https://finix.sandbox-payments-api.com/identities/IDowzvCieHhiP7NVKoufYftS"}, "payment_instruments"=>{"href"=>"https://finix.sandbox-payments-api.com/transfers/TRnL46wgMySx1uq7GgUK62EJ/payment_instruments"}}, "amount"=>2500, "source"=>"PIc6wrwZawxNsZZLemStp4Fc", "subtype"=>"API", "currency"=>"USD", "merchant"=>"MUd3YsPpEp6HRXUXhL8xu3xV", "messages"=>["RAW MESSAGE"], "trace_id"=>"d7edc8ce-c980-4b73-af25-241149c0d377", "created_at"=>"2025-04-04T14:54:19.92Z", "tip_amount"=>nil, "updated_at"=>"2025-04-04T14:54:19.92Z", "application"=>"AP3HhpJDxXLQaoF8LGA15UeT", "destination"=>nil, "fee_profile"=>"FPmtT4MYmiAs1qjLjneQmk4d", "failure_code"=>"RESTRICTED_CARD", "operation_key"=>"CARD_NOT_PRESENT_SALE", "idempotency_id"=>"ch_M9BD1c8rBZ6ZuvMjfdBnoieHHEHJbDBj", "failure_message"=>"The card has a restriction preventing approval for this transaction. Please contact the issuing bank for a specific reason.", "parent_transfer"=>nil, "split_transfers"=>[], "amount_requested"=>2500, "supplemental_fee"=>nil, "externally_funded"=>"UNKNOWN", "merchant_identity"=>"IDowzvCieHhiP7NVKoufYftS", "ready_to_settle_at"=>nil, "address_verification"=>nil, "statement_descriptor"=>"FLX*FLEX", "receipt_last_printed_at"=>nil, "additional_buyer_charges"=>nil, "additional_purchase_data"=>nil, "parent_transfer_trace_id"=>nil, "additional_healthcare_data"=>nil, "security_code_verification"=>nil},
  parsed_response:
   {"id"=>"TRnL46wgMySx1uq7GgUK62EJ", "state"=>"FAILED", "amount"=>2500, "failure_code"=>"RESTRICTED_CARD", "failure_message"=>"The card has a restriction preventing approval for this transaction. Please contact the issuing bank for a specific reason."},
  identifier: "finix_create_transfer_v1",


# webhook event

{"id"=>"event_tG9gd77HCa6znDFhkMxQTQ", "type"=>"updated", "entity"=>"transfer", "_embedded"=>{"transfers"=>[{"id"=>"TR5Y37z6syEK2w8kvy5RZJLn", "fee"=>0, "raw"=>nil, "tags"=>{"charge_id"=>"ch_LKnjZdqpC7tqvGV3Ndk7Ctin31BhxMCT"}, "type"=>"DEBIT", "state"=>"FAILED", "amount"=>102, "source"=>"PIc6wrwZawxNsZZLemStp4Fc", "subtype"=>"API", "currency"=>"USD", "merchant"=>"MUd3YsPpEp6HRXUXhL8xu3xV", "messages"=>[], "trace_id"=>"6ff196e0-adbb-4c3a-a98c-f49ffc20eca3", "created_at"=>"2025-04-04T17:28:00.68Z", "tip_amount"=>nil, "updated_at"=>"2025-04-04T17:28:00.68Z", "application"=>"AP3HhpJDxXLQaoF8LGA15UeT", "destination"=>nil, "fee_profile"=>"FPmtT4MYmiAs1qjLjneQmk4d", "failure_code"=>"GENERIC_DECLINE", "operation_key"=>"CARD_NOT_PRESENT_SALE", "idempotency_id"=>"ch_LKnjZdqpC7tqvGV3Ndk7Ctin31BhxMCT", "failure_message"=>"The transaction was declined for an unknown reason. The account owner needs to contact their issuer for more information.", "parent_transfer"=>nil, "split_transfers"=>nil, "amount_requested"=>102, "supplemental_fee"=>nil, "externally_funded"=>"UNKNOWN", "merchant_identity"=>"IDowzvCieHhiP7NVKoufYftS", "ready_to_settle_at"=>nil, "address_verification"=>nil, "statement_descriptor"=>"FLX*FLEX", "receipt_last_printed_at"=>nil, "additional_buyer_charges"=>nil, "additional_purchase_data"=>nil, "parent_transfer_trace_id"=>nil, "additional_healthcare_data"=>nil, "security_code_verification"=>nil}]}, "occurred_at"=>"2025-04-04T17:28:02.924133403", "system_generated_idempotency_id"=>"tG9gd77HCa6znDFhkMxQTQ"}
  inputs: {"charge_id"=>"93ee40d7-05e9-4fbc-9c1d-bc6fe13e1df6", "fraud_session_key"=>"FSZjBmZGM0OWUtY2ZkZi00NGYxLTkxNmMtYzg4NWUyM2QyMTM3"},