Issuing transaction statuses describe processing results across authorization, verification, posted, reversal, refund, and dispute stages. Different statuses affect whether a transaction continues, whether funds are held, whether an actual debit is created, and whether funds are later returned.
Transaction statuses can be grouped into four categories by processing purpose: authorization and card verification, posted, refund, and dispute. Reversal is the result when an authorization does not continue to posting.
Authorization and card verification statuses indicate whether a transaction or card information passed initial checks. A successful authorization can continue to posting. Card verification only confirms that the card or card information can be used for binding or verification and does not represent an actual purchase.
| Status | Business meaning | Fund impact |
|---|---|---|
AUTHORIZED | Authorization succeeded, and the transaction meets the basic conditions to continue | The corresponding amount is usually held |
AUTH_FAILED | Authorization failed, and the transaction did not pass checks | No valid hold or debit is created |
REVERSED | Authorization was reversed, and the original authorization does not continue to posting | The held amount is usually released |
VERIFIED | Card verification succeeded, and the card or card information passed verification | Usually no actual purchase debit is generated |
VERIFY_FAILED | Card verification failed, and the card or card information did not pass verification | No actual purchase debit is generated |
Posted statuses indicate whether a transaction has completed accounting confirmation and created a final debit result.
| Status | Business meaning | Fund impact |
|---|---|---|
POSTED | The transaction has been posted and created an actual debit result | The card balance or account funds are reduced by the posted amount |
POSTED_FAILED | Posted failed, and the transaction did not create a final accounting result | The original held amount is usually released or adjusted according to rules |
Refund statuses indicate whether a posted transaction has undergone a subsequent reverse fund adjustment.
| Status | Business meaning | Fund impact |
|---|---|---|
REFUNDED | The original transaction has been refunded | The corresponding amount is returned according to the refund result |
REFUND_FAILED | The refund failed | The original transaction fund result usually remains unchanged |
Dispute statuses indicate the processing outcome after a cardholder challenges a posted transaction. A dispute is a subsequent record linked to the original posted purchase and does not change the fact that the original transaction occurred.
| Status | Business meaning | Fund impact |
|---|---|---|
DISPUTE_WON | Dispute successful | Related funds are returned according to the final handling outcome |
DISPUTE_LOST | Dispute failed | The original transaction fund outcome remains unchanged |
Issuing purchase transactions can usually be categorized by processing stage, such as authorization, card verification, reversal, posted, refund, and dispute. These types help distinguish the processing purpose, accounting status, and fund movement direction.
DISPUTE_WON or DISPUTE_LOSTInternal accounting entries or non-purchase fund movements belong to other fund management scenarios and are usually not described as purchase transaction types.
When reconciling transaction records, evaluate status type, transaction amount, posted amount, and fund movements together. Do not rely on a single status alone to confirm the final processing result.
POSTED / POSTED_FAILEDAUTHORIZED / REVERSEDVERIFIED / VERIFY_FAILEDREFUNDED / REFUND_FAILEDDISPUTE_WON / DISPUTE_LOSTThe same purchase may go through multiple status changes, such as authorization, reversal, or posting. Refunds and disputes are subsequent records linked to the original posted purchase. During reconciliation, use the transaction lifecycle, related records, and fund movements to confirm the final result.