{
  "schemaVersion": 1,
  "invoiceId": "INV-10",
  "accountId": "ACC-04",
  "balanceDue": "19.00",
  "policy": "Three card retries at 4, 3 and 7 day intervals, two email notices, then cancellation on day 30 if the balance is still outstanding.",
  "terminalState": "cancelled",
  "steps": [
    {
      "step": 1,
      "attempt_date": "2026-09-01",
      "channel": "email",
      "action": "payment reminder",
      "outcome": "sent",
      "decline_code": "",
      "invoice_id": "INV-10",
      "account_id": "ACC-04",
      "balance_due": "19.00",
      "next_action_date": "2026-09-05"
    },
    {
      "step": 2,
      "attempt_date": "2026-09-05",
      "channel": "card",
      "action": "retry charge",
      "outcome": "failed",
      "decline_code": "insufficient_funds",
      "invoice_id": "INV-10",
      "account_id": "ACC-04",
      "balance_due": "19.00",
      "next_action_date": "2026-09-08"
    },
    {
      "step": 3,
      "attempt_date": "2026-09-08",
      "channel": "card",
      "action": "retry charge",
      "outcome": "failed",
      "decline_code": "insufficient_funds",
      "invoice_id": "INV-10",
      "account_id": "ACC-04",
      "balance_due": "19.00",
      "next_action_date": "2026-09-15"
    },
    {
      "step": 4,
      "attempt_date": "2026-09-15",
      "channel": "email",
      "action": "final notice",
      "outcome": "sent",
      "decline_code": "",
      "invoice_id": "INV-10",
      "account_id": "ACC-04",
      "balance_due": "19.00",
      "next_action_date": "2026-09-22"
    },
    {
      "step": 5,
      "attempt_date": "2026-09-22",
      "channel": "card",
      "action": "retry charge",
      "outcome": "failed",
      "decline_code": "do_not_honor",
      "invoice_id": "INV-10",
      "account_id": "ACC-04",
      "balance_due": "19.00",
      "next_action_date": "2026-09-30"
    },
    {
      "step": 6,
      "attempt_date": "2026-09-30",
      "channel": "system",
      "action": "cancel subscription",
      "outcome": "completed",
      "decline_code": "",
      "invoice_id": "INV-10",
      "account_id": "ACC-04",
      "balance_due": "19.00",
      "next_action_date": ""
    }
  ]
}