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

# Payment Settlement Failed

> The appointment payment retry was declined

## Cause

Guile returns this problem when the payment provider declines the saved card selected for an appointment payment retry. The appointment remains unpaid and its payment activity records the failure.

## Fix

Choose another saved card or update the customer's payment methods, then retry with a new idempotency key.

## Retry safety

Safe to retry with a new idempotency key after choosing another saved card. Repeating the same request with the same key returns the original decline.

## Raised by

* [Settle my appointment payment](/api-reference/customers/settle-my-appointment-payment)

## Example

```json theme={null}
{
  "type": "https://docs.guile.app/problems/paymentSettlementFailed",
  "title": "Payment Settlement Failed",
  "status": 422,
  "detail": "The selected card was declined.",
  "failureReason": "declined",
  "providerDeclineCode": "insufficient_funds"
}
```