#yosep_webhooks
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The critical difference between the two Payment Intent examples you shared is the type of payment failure:
evt_3RunwLESJ0XXzhv10OHI4LUvis a 'synthetic' failure as the bank requested auth/3DS โ denoted by thelast_payment_error[code]propertyevt_3RuqChESJ0XXzhv10k1UGpi1is an actual decline by the bank, again denoted bylast_payment_error[code]
In the former scenario, we don't create Charge objects for those kind of 'failures' so the charges[data] list will be empty