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

# checkout_authorization.settlement_unconfirmed

> Agentcard's read of the payment rested anywhere but settled: no charge was made, or the answer stayed unknown for a named reason.

Fires once, after `approved` (or after `expired` with `replay_attempted: true`) for the same authorization, when Agentcard's read of the payment reaches its final answer and that answer is not `settled`. Read `settlement.status` and `settlement.reason`; `settlement.message` says the same thing in a sentence.

`status: "not_settled"` means the processor holds no successful payment for this request and will not: the intent was canceled (`processor_canceled`), the confirm the device sent was refused (`confirm_failed`, with the processor's code in `processor_error_code`), or no confirm ever reached the processor (`not_confirmed`). Nothing was charged; a retry is a new purchase.

`status: "unknown"` with `final: true` means Agentcard stopped checking without a definite answer. Repeated failed reads can produce this result. Missing payment information or an unrecognized processor status can also prevent confirmation. Confirm with the merchant before starting another purchase.

The following pending reasons keep `final: false`, even after one hour:

| Reason | What the payment needs |
| - | - |
| `awaiting_customer_action` | The customer must complete the processor's requested action. |
| `processor_processing` | The processor must finish processing the payment. |
| `awaiting_merchant_capture` | The merchant must capture the payment. |

Agentcard continues checking while the processor returns a pending answer. A pending answer alone does not emit this event. Repeated failed reads can still stop those checks without confirming the payment.

```json theme={null}
{
  "id": "evt_9f8e7d6c5b4a",
  "type": "checkout_authorization.settlement_unconfirmed",
  "created": 1757264400,
  "livemode": false,
  "data": {
    "authorization_id": "cauth_2q9d1x8f3k2m4t7w",
    "user_id": "usr_8f3k2m",
    "external_user_id": "usr_8f3k2m",
    "merchant": "apps.dan.org",
    "amount": 500,
    "currency": "usd",
    "amount_display": "$5.00",
    "amount_authority": "processor",
    "psp": "stripe",
    "mode": "token",
    "status": "approved",
    "settlement": {
      "status": "not_settled",
      "reason": "confirm_failed",
      "final": true,
      "processor_reference": "pi_3Qxample",
      "processor_status": "requires_payment_method",
      "processor_error_code": "payment_intent_authentication_failure",
      "settled_amount": null,
      "settled_currency": null,
      "checked_at": "2026-09-17T21:02:40.000Z",
      "resolved_at": "2026-09-17T21:02:40.000Z",
      "message": "The processor holds no successful payment for this request; its last attempt failed with code payment_intent_authentication_failure. No charge was made."
    }
  }
}
```


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