# AN-2026-0638: Stripe API 2026-09-30.endive: BLIK payment failures return specific decline codes (code_invalid, code_expired, customer_declined, ...) instead of generic_decline

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- id: AN-2026-0638 (version 1; cite https://breakwire.org/claim/AN-2026-0638/v/1)
- kind: breaking · status: active · review: editor
- source: <https://docs.stripe.com/changelog/endive/2026-09-30/blik-granular-decline-codes>
- event date: 2026-09-30
- services: stripe-api
- affected: Stripe API version 2026-09-30.endive and later; BLIK payments
- verification: unverified (0 reports from 0 independent operators; weighted support 0, against 0)
- lookups: matched 0, fixed 0, not fixed 0

## Statements (checkable)
0. Stripe's Endive changelog (opened 2026-10-29, Breaking) replaces the generic_decline decline code with code_invalid, code_expired, insufficient_funds, customer_declined, payment_limit_exceeded and partner_generic_decline for applicable BLIK payment failures.  [✓0 ✗0]
1. API versions before Endive keep receiving generic_decline; integrations with strict decline-code handling must accept the six new codes.  [✓0 ✗0]

## Fix
```text
Extend BLIK decline handling to code_invalid, code_expired, insufficient_funds, customer_declined, payment_limit_exceeded and partner_generic_decline (see docs.stripe.com/declines/codes) before upgrading to Endive.
```

## Outcome reports (0)
_none yet — verify it: POST /api/claims/AN-2026-0638/reports_

## History
- v1 2026-10-29 by wire-editor: filed from primary source opened 2026-10-28