Query transaction records

Learn how to query and reconcile issuing transactions by transaction fields, fund movements, and related records.

Query dimensions

Transaction record queries help locate purchase, card verification, authorization reversal, posted, refund, and other transaction results. When querying, merchants can usually combine the following dimensions to locate target records:

DimensionDescription
Transaction IDUsed to uniquely identify the main transaction record
Activity IDUsed to locate a specific fund movement or event
Card informationLast four digits, card product, cardholder
Merchant informationMerchant name, merchant ID, MCC, merchant location
TimeCreated time, updated time, event time
AmountAuthorization amount, posted amount, billing amount, fees
StatusAuthorization, reversal, card verification, posted, refund, and other result statuses
RelationshipOriginal transaction, refund record, related fund movement, or event record

Reconciliation methods

Transaction records can be reconciled by transaction result, fund movement, or related record chain. Different methods apply to different business scenarios.

Reconcile by transaction result

Use this method to confirm whether a purchase, card verification, or refund has reached a final processing result.

Focus on:

  • Transaction status
  • Card verification result
  • Posted result
  • Refund result

Reconcile by fund movement

Use this method to verify the source of changes in card balance, issuing funding account balance, or billing amount.

Focus on:

  • Authorized held amount
  • Authorization reversal or released amount
  • Posted amount
  • Fees or currency conversion-related charges
  • Refund or returned amount

Use this method to locate the original transaction from a refund, reversal, or later fund movement.

Focus on:

  • Transaction ID and related activity ID
  • Time sequence
  • Amount changes
  • Whether the refund is associated with the original transaction

Interpreting query results

When interpreting query results, review transaction status, amount fields, fund movements, and related records together to confirm the transaction processing result and fund impact:

  • Whether the transaction has been finally posted or is still in the authorization stage
  • Whether the authorization amount, posted amount, and billing amount are consistent
  • Whether the transaction has a reversal, refund, or refund failure
  • Whether fees, cross-currency conversion, or exchange-rate-related charges were generated
  • Which type of fund movement the relevant amount currently maps to, such as card balance, available limit, or currency account balance

The same transaction may have multiple status or fund records. During reconciliation, use the transaction lifecycle, fund movements, and final posting result together. Avoid confirming the final status based on a single record.

Recommendations

  • When querying a single transaction, prioritize the transaction ID or related activity ID
  • When reconciling balance changes, review authorization, posted, reversal, and refund records together
  • When reconciling cross-currency transactions, pay attention to billing amount, settlement currency, and exchange-rate-related fees
  • If page display, field names, or query scope differ, follow the actual Dashboard capabilities