Transaction queries involve two record types: purchase transaction records reconstruct card purchases at external merchants and their processing results, while card account ledger records show all card account fund movements. The two record types are linked through the Transaction ID to reconcile purchase principal, purchase fees, and subsequent fund processing.
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:
| Dimension | Description |
|---|---|
| Transaction ID | Used to locate the main purchase transaction and link the corresponding card account ledger records |
| Activity ID | Used to locate a specific card account fund movement or event |
| Card information | Last four digits, card product, and cardholder |
| Merchant information | Merchant name, merchant ID, MCC, and merchant location |
| Time | Created time, updated time, and event time |
| Amount | Authorized amount, posted amount, billing amount, and fees |
| Status | Authorization, reversal, card verification, posted, refund, dispute, and other result statuses |
| Relationship | Original transaction, refund record, related activity, or event record |
Different records may use different identifiers. When reconciling records, select the identifier that matches the record type and business relationship:
| Identifier | Purpose |
|---|---|
| Transaction ID | Identifies a specific purchase transaction or subsequent processing record |
| Related transaction number | Locates the original transaction linked to a refund, dispute, or other subsequent record |
| Original transaction number | Identifies the original posted transaction associated with the current record |
| Main business order number | Groups multiple presentments under the same business activity; it does not merge them into one transaction |
The diagram below shows the relationship between the two record types after they are obtained. Query criteria are optional and only narrow the result set; for a full reconciliation, both record types can be obtained or downloaded directly.
Authorization, authorization reversal, and posting in purchase transaction records are different processing stages of the same purchase. Refunds and disputes create new records linked to the original posted purchase. Card activity records cover top-ups, balance returns, and the posted principal and purchase fees generated by purchases.
Transaction records can be reconciled by transaction result, fund movement, or related record chain. Different methods apply to different business scenarios.
Use this method to confirm whether a purchase, card verification, or refund has reached a final processing result.
Focus on:
Use this method to verify the source of changes in card account balance or billing amount.
Focus on:
When the current record is a refund, reversal, or other later fund movement, use its related transaction ID to locate the corresponding original transaction first, then verify the relationship between the original transaction and the current record.
Focus on:
When interpreting query results, review transaction status, amount fields, fund movements, and related records together to confirm the transaction processing result and fund impact:
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.
Downloads provide two record types: purchase transaction records and card account ledger records. Purchase transaction records reconstruct a card's external purchase and its subsequent processing. Card account ledger records reconcile all card account movements. First identify the original purchase and its lifecycle, then use the Transaction ID to reconcile the posted principal, purchase fees, and any reverse-processing records generated from that purchase.
| File type | Primary use | Reconciliation focus |
|---|---|---|
| Purchase transaction records | Record card purchases at external merchants. Authorization, authorization reversal, and posting are stages of the same original purchase; refunds and disputes are new records linked to the original posted purchase | Transaction ID, transaction status, authorized amount, posted amount, transaction time, merchant information, and relationships |
| Card account ledger records | Record all card account movements, including card top-ups, card balance returns, posted purchase principal, purchase fees, and other card account changes | Activity ID, transaction ID, type, amount, transaction time, and notes |
Reverse processing, including refunds and disputes, creates new transaction records that are linked to the relevant original posted purchase. Actual fields and available download filters are determined by the platform.
Reconciliation starts with purchase transaction records. These are complete records that may include authorization failures, authorization reversals, final presentments, refunds, and disputes. First determine the transaction's final processing result, then verify whether it created an actual debit and identify any subsequent fund movements.
Follow these steps to reconcile purchase transactions:
| Step | File to review | What to check | Reconciliation result |
|---|---|---|---|
| 1. Determine the final result | Purchase transaction records | Review the complete set and distinguish authorization failures, authorization reversals, final presentments, refunds, and disputes | Determine whether the transaction created a final purchase debit |
| 2. Reconcile final presentments | Purchase transaction records | Reconcile each final presentment separately by its transaction number. Use the main business order number to identify multiple presentments for the same business, but do not combine them into one reconciliation item | Confirm the final result and amount of each presentment |
| 3. Reconcile account movements | Both files | For each final presentment, use the Transaction ID to match the posted principal and purchase fees in card account ledger records | Confirm that the actual debit and fees match the transaction result |
| 4. Reconcile subsequent records | Purchase transaction records | For refunds and disputes, use the related original transaction to locate the original posted transaction and reconcile each subsequent record separately | Confirm the relationship between the subsequent processing and the original purchase |
Multiple presentments correspond to multiple independent transactions and must be reconciled separately. The main business order number only identifies presentments belonging to the same business; it does not mean that they should be combined into one reconciliation item.
Authorization failures and authorization reversals do not create a final purchase debit, but can be reviewed as transaction processing results. Top-ups and balance returns are card account funding activities, not purchase transactions, and should be reconciled separately in card account ledger records.
Transaction ID. Reconcile fees separately from principal, and use notes to identify fee types.To integrate transaction query capabilities into your own system, use the Transaction query API to query transactions by transaction type, status, and time range with pagination.