Event: failed
Event: failed
Triggered when the provider returns a permanent failure for the recipient.
For prepaid clients this also automatically **releases** the reserved credit
for that single recipient back to your available balance.
Emitted for **SMS** and **WhatsApp**. As with `delivered`, the `data` shape
differs per channel. Provider status/error strings are passed through
verbatim - treat them as opaque and do not branch on undocumented values.