try {
  const payment = await plexy.payments.create({
    amount: 5000,
    currency: 'USD',
    payment_method: {
      type: 'card',
      card: {
        number: '4000000000009995', // Insufficient funds
        exp_month: 12,
        exp_year: 2030,
        cvc: '123',
      },
    },
  });
} catch (error) {
  if (error.type === 'card_error') {
    switch (error.code) {
      case 'insufficient_funds':
        // Ask customer to try different card
        break;
      case 'card_declined':
        // Generic decline message
        break;
      default:
      // Handle other declines
    }
  }
}

{
  "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"
  }
}