}
// umbrella processing for DECLINED
if (responseCode == ResponseCode.DECLINED) {
log.info(logOperation + " failed in amount of " + amount + " for " + userId + ": " + responseReasonCode);
throw new PaymentDeclinedException(responseReasonCode.getReasonText());
}
}
// map all other failures (where no DirectResponseMap or RRC may not be in exceptionMap) into ANE
if (!result.isOk()) {