curl -X POST https://api.plexypay.com/v2/payments \
  -H "x-api-key: YOUR_TEST_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "USD",
    "payment_method": {
      "type": "card",
      "card": {
        "number": "4000000000009995",
        "exp_month": 12,
        "exp_year": 2030,
        "cvc": "123"
      }
    }
  }'

{
  "error": {
    "type": "card_error",
    "code": "insufficient_funds",
    "message": "The card has insufficient funds.",
    "decline_code": "insufficient_funds"
  }
}

{
  "id": "pay_abc123",
  "status": "failed",
  "failure_code": "insufficient_funds",
  "failure_message": "The card has insufficient funds.",
  "decline_code": "insufficient_funds",
  "outcome": {
    "type": "issuer_declined",
    "reason": "insufficient_funds",
    "ripr_level": "normal"
  }
}