{
  "error": "PAYMENT_DECLINED",
  "message": "Payment was declined by the issuing bank",
  "code": "P001",
  "details": {
    "declineReason": "insufficient_funds",
    "issuerResponse": "51"
  },
  "timestamp": "2024-01-15T10:30:00Z",
  "requestId": "req_123456789"
}

{
  "error": "UNAUTHORIZED",
  "message": "Invalid API key provided",
  "code": "AUTH001"
}

// Correct authentication
const headers = {
  'X-API-Key': process.env.YONOBI_API_KEY,
  'Content-Type': 'application/json'
};

{
  "error": "FORBIDDEN",
  "message": "Insufficient permissions for this operation",
  "code": "AUTH002"
}

{
  "error": "VALIDATION_ERROR",
  "message": "Required field missing",
  "code": "VAL001",
  "details": {
    "missingFields": ["name", "email", "amount"]
  }
}

{
  "error": "INVALID_FORMAT",
  "message": "Invalid email format",
  "code": "VAL002",
  "details": {
    "field": "email",
    "value": "invalid-email"
  }
}

{
  "error": "CARD_DECLINED",
  "message": "Card was declined by the issuing bank",
  "code": "PAY001",
  "details": {
    "declineCode": "05",
    "declineReason": "do_not_honor"
  }
}

{
  "error": "INVALID_CARD",
  "message": "Invalid card number provided",
  "code": "PAY002",
  "details": {
    "field": "cardNumber",
    "reason": "invalid_luhn"
  }
}

{
  "error": "THREEDS_FAILED",
  "message": "3D Secure authentication failed",
  "code": "PAY003",
  "details": {
    "threeDsResult": "authentication_failed",
    "acsResponse": "N"
  }
}

{
  "error": "INVALID_UPI_ID",
  "message": "UPI ID format is invalid",
  "code": "UPI001",
  "details": {
    "upiId": "invalid-format",
    "expectedFormat": "username@bankcode"
  }
}

{
  "error": "UPI_TRANSACTION_FAILED",
  "message": "UPI transaction was declined",
  "code": "UPI002",
  "details": {
    "upiResponse": "U30",
    "reason": "invalid_pin"
  }
}

{
  "error": "INVALID_WEBHOOK_SIGNATURE",
  "message": "Webhook signature verification failed",
  "code": "WH001"
}

// Correct signature verification
const crypto = require('crypto');

function verifySignature(payload, signature, secret) {
  const expectedSignature = crypto
    .createHmac('sha512', secret)
    .update(payload, 'utf8')
    .digest('hex');
  
  return crypto.timingSafeEqual(
    Buffer.from(signature, 'hex'),
    Buffer.from(expectedSignature, 'hex')
  );
}

{
  "error": "WEBHOOK_TIMEOUT",
  "message": "Webhook endpoint did not respond within timeout",
  "code": "WH002"
}

{
  "error": "RATE_LIMIT_EXCEEDED",
  "message": "Too many requests, please slow down",
  "code": "RATE001",
  "details": {
    "limit": 100,
    "window": "1 minute",
    "retryAfter": 60
  }
}

// Exponential backoff implementation
async function retryWithBackoff(fn, maxRetries = 3) {
  for (let i = 0; i < maxRetries; i++) {
    try {
      return await fn();
    } catch (error) {
      if (error.status === 429 && i < maxRetries - 1) {
        const delay = Math.pow(2, i) * 1000; // 1s, 2s, 4s
        await new Promise(resolve => setTimeout(resolve, delay));
        continue;
      }
      throw error;
    }
  }
}

// Timeout configuration
const axios = require('axios');

const client = axios.create({
  timeout: 30000, // 30 seconds
  retry: 3,
  retryDelay: 1000
});

// Structured error logging
function logError(error, context) {
  console.error(JSON.stringify({
    timestamp: new Date().toISOString(),
    level: 'error',
    error: {
      code: error.code,
      message: error.message,
      stack: error.stack
    },
    context: {
      paymentId: context.paymentId,
      userId: context.userId,
      endpoint: context.endpoint
    }
  }));
}