After a card is used at a merchant, the merchant initiates a charge, and the VM system synchronizes card consumption information in real-time, allowing users to immediately check card consumption data. The types and statuses related to card consumption are explained below:
Types of Consumption Records:
| type value | Instructions | Remark |
| Consumer Authorization | When the card is used at a merchant and the merchant initiates a deduction request, the corresponding transaction type is "Authorization." | Card balance decreased |
| Clearing | Settlement | Card balance decreased |
| Consumer Refund | Refund | Card balance increased |
| Authorization Cancellation | Authorization Reversal | Card balance increased |
| Handling Fee | Fee | Card balance decreased |
| Dormancy Fee | Dormancy Fee | Card balance decreased |
| Card Recharge | Recharging card balance through a third party | Card balance increased |
| Card Refund | Card refund | Card balance decreased |
| Additional Deduction/Non-consumption Type Card Deduction | Additional Charge/Non-purchase Type Deduction | Card balance decreased |
| Chargeback | Chargeback | Card balance unchanged |
| Refund Cancellation | Refund Reversal | Card balance unchanged |
| Chargeback Cancellation | Chargeback Reversal | Card balance unchanged |
| Refund Authorization | Refund Authorization | Card balance unchanged |
| Account Verification | Account Verification | Card balance unchanged |
Statuses of Consumption Records:
| Title | Description | Note |
| Settlement Completed | Card balance decreases (card spending) or increases (spending refund). | |
| Pending | Transaction intermediate status: This status changes to "Settlement completed" or "Transaction failed" after a specific time. | |
| Transaction Failed | Card balance remains unchanged. |
Summary:
Only after settlement is completed does the card balance undergo a real change (actual transaction success).
During settlement, the card balance usually has a specific amount frozen, which cannot be unfrozen but must either wait for the acquiring institution to complete settlement or be revoked. (If the freezing period exceeds one month, you can contact the respective merchant to request revocation or contact us for investigative support).
Transaction Failure: In this status, the card balance does not change; a high volume of transaction failures is prohibited on the VM platform.
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