> For the complete documentation index, see [llms.txt](https://docs.payments.thalescloud.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payments.thalescloud.io/nfc-wallet-sdk-ios/implement-nfc-wallet/tokenize-a-card/digitize-card/handle-red-flow.md).

# Handle red flow

## Overview

The red flow happens when the issuer backend declines **Tokenization**.

The decline is typically driven by risk rules or program policy.

When this happens, the application must display a decline message to end user.

## Sequence diagram

<figure><img src="/files/0abikHgFHjeea2EMlkk2" alt=""><figcaption><p>Red flow: the issuer backend declines Tokenization and the NFC Wallet SDK emits <code>digitizationDeclined</code>.</p></figcaption></figure>

## Integrate SDK

After you [Check card eligibility](/nfc-wallet-sdk-ios/implement-nfc-wallet/tokenize-a-card/check-card-eligibility.md):

1. Call `CardDigitizationService.digitizeCard()`.
2. Listen to `CardDigitizationService.eventStream`.
3. When the NFC Wallet SDK emits `digitizationDeclined`:
   * Stop the digitization flow.
   * Display a decline message.
   * Offer a retry path (optional).

```swift
func digitizeCard(_ termsAndConditions: CardDigitizationService.TermsAndConditions) async throws {
    // Step 1: Initialize the service.
    let cardDigitizationService = CardDigitizationService()
    let fcmToken: String = "FACY6074293608087656831WRF1234" // Example only.

    // Step 2: Start digitization.
    try await cardDigitizationService.digitizeCard(withTNC: termsAndConditions.accept(),
                                                  pushToken: fcmToken,
                                                  language: "en")

    // Step 3: Listen for outcomes.
    for await state in await cardDigitizationService.eventStream {
        switch state {
        case .digitizationDeclined:
            // Red flow: Tokenization declined by the issuer backend.
            // Show a decline message and stop the flow.
            return
        default:
            break
        }
    }
}
```


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