Add pending changelog for Event::PaymentFailed

diff --git a/pending_changelog/3192-invoice-request-failed-event.txt b/pending_changelog/3192-invoice-request-failed-event.txt
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+++ b/pending_changelog/3192-invoice-request-failed-event.txt
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+## API Updates
+ * `Event::PaymentFailed` now uses an `Option` for its payment hash, which will
+   be `None` if the invoice hasn't been received yet for a BOLT12 payment
+   (#3192).
+ * `Event::PaymentFailed` is now generated instead `Event::InvoiceRequestFailed`,
+   which has been removed. When deserialized the latter will be converted to the
+   former with `None` for the payment hash (#3192).
+
+## Backwards Compatibility
+ * Any `Event::PaymentFailed` generated without a payment hash will deserialize
+   with `PaymentHash([0; 32])` when downgrading. This can be treated like an
+   `Event::InvoiceRequestFailed` (#3192).