This guide explains how card and budget transactions progress through different lifecycle stages, how their statuses change over time, and which webhook events are triggered at each stage.

Card Transaction

Card Transaction Status Values

Status	Description
`PENDING`	Processing in progress
`CLOSED`	Successfully completed
`FAIL`	Transaction failed

Card Transaction Lifecycle Flow

Core Transaction Lifecycle

A typical card transaction usually goes through three stages: Authorization → Clearing → Settlement.

Authorization

When a card authorization request is approved, the system creates a pending consumption transaction and a transaction authorization fee record.

Webhook Events

Event Type	Type	Status	Description
`CARD_TRANSACTION.CREATED`	`1（Consumption）`	`PENDING`	Consumption transaction created and awaiting clearing
`CARD_TRANSACTION.UPDATED`	`9（Fee_Consumption）`	`CLOSED`	Authorization fee charged successfully

Clearing

Clearing may result in full clearing, partial clearing and over-clearing.

For partial clearing and over-clearing handling logic, please refer to the Transaction Adjustment section in Transaction Scenarios and Handling.

Partial clearing: Settlement Amount < Authorized Amount

Over-clearing: Settlement Amount > Authorized Amount

Clearing may either succeed or fail.

CLOSED: Clearing completed successfully
FAIL: Transaction failed. The transaction amount is returned to the balance account, while the authorization fee is not refunded. A declined fee may also be charged if the decline rate threshold is reached.

Webhook Events

Event Type	Type	Status	Description
`CARD_TRANSACTION.UPDATED`	`1（Consumption）`	`CLOSED`	Consumption transaction cleared successfully
`CARD_TRANSACTION.UPDATED`	`1（Consumption）`	`FAIL`	Consumption transaction failed
`CARD_TRANSACTION.UPDATED`	`10（Declined_Fee）`	`CLOSED`	Declined fee charged

Special Cases

Authorization may fail before a pending transaction is created due to insufficient balance, an inactive card status, restricted MCC categories, or other authorization control rules. In such cases, no authorization creation event is generated. Instead, a failure webhook event is sent directly, and no funds are deducted from the balance account.

Webhook Events

Event Type	Type	Status	Description
`CARD_TRANSACTION.UPDATED`	`1（Consumption）`	`FAIL`	Consumption transaction failed
`CARD_TRANSACTION.UPDATED`	`10（Declined_Fee）`	`CLOSED`	Declined fee charged

Settlement

After clearing succeeds, settlement is processed between the issuer and acquirer.

This stage completes the actual fund movement within the card network.

Additional Transaction Types

In addition to the core transaction lifecycle, the following transaction types may occur during different stages of the transaction flow: reversal, refund, and transfer in/out transactions.

Reversal

Reversal transactions may occur after authorization but before clearing. Both full and partial reversals are supported. When a reversal is completed, the reversed amount is returned to the balance account, the original consumption transaction status is updated from PENDING to CLOSED, and a reversal fee may be charged. The authorization fee is not refunded.

For partial reversal handling logic, please refer to the Transaction Adjustment section in Transaction Scenarios and Handling.

Partial Reversal: Settlement Amount < Authorized Amount

Webhook Events

Event Type	Type	Status	Description
`CARD_TRANSACTION.CREATED`	`1（Consumption）`	`PENDING`	Consumption transaction created
`CARD_TRANSACTION.UPDATED`	`14（Reversal）`	`CLOSED`	Reversal completed. The reversal transaction can be linked to the original transaction through the `relatedCardTransactionId` field.
`CARD_TRANSACTION.UPDATED`	`1（Consumption）`	`CLOSED`	Original consumption transaction updated to `CLOSED`

Refund

Refund transactions may occur after clearing or settlement. Both full and partial refunds are supported. Unlike a reversal, a refund creates a new credit transaction and does not affect the status of the original consumption transaction. Once completed, the refunded amount is returned to the balance account, and a refund fee may be charged.

Webhook Events

Event Type	Type	Status	Description
`CARD_TRANSACTION.UPDATED`	`0（Credit）`	`CLOSED`	Refund transaction completed

Card TransferIn/Out

Card TransferIn/Out transactions support transfers between the Infinity Account and cards in both directions.

Webhook Events

Event Type	Type	Status	Description
`CARD_TRANSACTION.UPDATED`	`2（TransferIn）`	`CLOSED`	Infinity Account → Card
`CARD_TRANSACTION.UPDATED`	`3（TransferOut）`	`CLOSED`	Card → Infinity Account

Budget Transaction

Budget Transaction Status Values

Status	Description
`PENDING`	Processing in progress
`CLOSED`	Successfully completed
`FAIL`	Transaction failed

Currently, BUDGET_TRANSACTION.CREATED notifications are only generated for TransferIn, TransferOut, and Create Budget Card Fee. All related transactions are immediately completed with CLOSED status.

Budget TransferIn/Out

Budget TransferIn/Out transactions support transfers between the Infinity Account and budgets in both directions.

Webhook Events

Event Type	Type	Status	Description
`BUDGET_TRANSACTION.CREATED`	`0（TransferIn）`	`CLOSED`	Infinity Account → Budget
`BUDGET_TRANSACTION.CREATED`	`1（TransferOut）`	`CLOSED`	Budget → Infinity Account

Create Budget Card Fee

When a budget card is issued, the card issuance fee is deducted from the budget balance.

Webhook Events

Event Type	Type	Status	Description
`BUDGET_TRANSACTION.CREATED`	`2（CreateCardFee）`	`CLOSED`	Budget card issuance fee charged

Webhook Examples

Card Transaction

Event Type：CARD_TRANSACTION.CREATED，type：1，status：PENDING

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779329637587",
  "eventType": "CARD_TRANSACTION.CREATED",
  "id": "6a94b9c7-40d6-4007-a5d0-a96d714a1108",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "16.27",
    "businessCodeList": [1119],
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "c0598084-16d9-4426-b98e-382166afb0eb",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "2057283724989312345",
    "createTime": "1779329637412",
    "currency": "USD",
    "detail": "PANDA EXPRESS #3486 WILLOWBROOK US(APPLE)",
    "direction": 2,
    "fee": "0.34",
    "feeDetails": [
      {
        "amount": "0.3",
        "currency": "USD",
        "feeType": 0
      },
      {
        "amount": "0.04",
        "currency": "USD",
        "feeType": 1
      }
    ],
    "id": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
    "mcc": "5814",
    "mccCategory": "",
    "merchantCity": "WILLOWBROOK",
    "merchantCountry": "US",
    "merchantMid": "000191234      ",
    "merchantName": "PANDA EXPRESS #3486",
    "merchantState": "",
    "merchantZipcode": "",
    "remark": "",
    "status": "PENDING",
    "transactionAmount": "16.02",
    "transactionCurrency": "USD",
    "transactionDisplayId": "2605211013312345",
    "transactionScope": 1,
    "transactionTime": "1779329637417",
    "type": 1
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：1，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779329637587",
  "eventType": "CARD_TRANSACTION.CREATED",
  "id": "6a94b9c7-40d6-4007-a5d0-a96d714a1108",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "16.27",
    "businessCodeList": [1119],
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "c0598084-16d9-4426-b98e-382166afb0eb",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "2057283724989312345",
    "createTime": "1779329637412",
    "currency": "USD",
    "detail": "PANDA EXPRESS #1234 WILLOWBROOK US(APPLE)",
    "direction": 2,
    "fee": "0.34",
    "feeDetails": [
      {
        "amount": "0.3",
        "currency": "USD",
        "feeType": 0
      },
      {
        "amount": "0.04",
        "currency": "USD",
        "feeType": 1
      }
    ],
    "id": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
    "mcc": "5814",
    "mccCategory": "",
    "merchantCity": "WILLOWBROOK",
    "merchantCountry": "US",
    "merchantMid": "000191234      ",
    "merchantName": "PANDA EXPRESS #3486",
    "merchantState": "",
    "merchantZipcode": "",
    "remark": "",
    "status": "CLOSED",
    "transactionAmount": "16.02",
    "transactionCurrency": "USD",
    "transactionDisplayId": "2605211013312345",
    "transactionScope": 1,
    "transactionTime": "1779329637417",
    "type": 1
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：1，status：FAIL

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779330491533",
  "eventType": "CARD_TRANSACTION.UPDATED",
  "id": "693b6845-1c7e-4d50-8451-38e8b1a688b7",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "564.94",
    "businessCodeList": [1128],
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "fee1bb4e-dbce-4eeb-8892-1c302d463f0c4",
    "clientTransactionId": "1c302d46-1652-4625-b39a-e2dnuek38s7d",
    "completeTime": "1779330491380",
    "createTime": "1779330491334",
    "currency": "USD",
    "detail": "WWW.AWS.AMAZON.COM   MY",
    "direction": 2,
    "fee": "0.0",
    "feeDetails": [],
    "id": "7e13f168-4d72-4250-9d20-466ababc9055",
    "mcc": "5734",
    "mccCategory": "",
    "merchantCity": "",
    "merchantCountry": "MY",
    "merchantMid": "LA4XD1234567ZCL",
    "merchantName": "WWW.AWS.AMAZON.COM   MY",
    "merchantState": "",
    "merchantZipcode": "",
    "remark": "No sufficient funds",
    "status": "FAIL",
    "transactionAmount": "2207.73",
    "transactionCurrency": "MYR",
    "transactionDisplayId": "2605211028123456",
    "transactionScope": 1,
    "transactionTime": "1779330491337",
    "type": 1
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：9，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779332267248",
  "eventType": "CARD_TRANSACTION.UPDATED",
  "id": "fb0af813-b361-431f-b7e8-4c29405fc263",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "0.0",
    "cardId": "c4afc39d-818d-48e7-83f6-fce8687ffed1",
    "cardTransactionId": "54157784-635a-4f1f-84fb-67dfc4ed43cd",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "2b302875-f06c-49a4-97aa-4426334e5535_Fee_Consumption",
    "completeTime": "1779332267100",
    "createTime": "1779332267018",
    "currency": "USD",
    "detail": "PANDA EXPRESS #1234 WILLOWBROOK US(APPLE)",
    "direction": 2,
    "fee": "0.2",
    "feeDetails": [],
    "id": "10b74c1a-4fe2-47aa-8673-a5f45d362d7",
    "mcc": "",
    "mccCategory": "",
    "merchantCity": "",
    "merchantCountry": "",
    "merchantMid": "",
    "merchantName": "",
    "merchantState": "",
    "merchantZipcode": "",
    "relatedCardTransactionId": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
    "remark": "",
    "status": "CLOSED",
    "transactionAmount": "0.0",
    "transactionCurrency": "USD",
    "transactionDisplayId": "2605211051231234",
    "transactionTime": "1779332267038",
    "type": 9
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：10，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779334217321",
  "eventType": "CARD_TRANSACTION.UPDATED",
  "id": "62abcd9c-4221-4cf8-82ae-abcd9c6125b9",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "0.0",
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "05239f07-d0ee-4040-87c5-abcd9cae365c",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "9fabcd9c-9343-45d2-8bb7-abcd9cb59bad",
    "completeTime": "1779334216974",
    "createTime": "1779334216534",
    "currency": "USD",
    "detail": "",
    "direction": 2,
    "fee": "0.5",
    "feeDetails": [],
    "id": "abcd9c05-5603-4f76-91f9-abcd9cf6305f",
    "mcc": "",
    "mccCategory": "",
    "merchantCity": "",
    "merchantCountry": "",
    "merchantMid": "",
    "merchantName": "",
    "merchantState": "",
    "merchantZipcode": "",
    "relatedCardTransactionId": "7e13f168-4d72-4250-9d20-466ababc9055",
    "remark": "",
    "status": "CLOSED",
    "transactionAmount": "0.0",
    "transactionCurrency": "USD",
    "transactionDisplayId": "2605211130381234",
    "transactionTime": "1779334216922",
    "type": 10
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：0，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779334551188",
  "eventType": "CARD_TRANSACTION.UPDATED",
  "id": "dadf05f8-45c8-4c67-82cd-b91c4efa79b5",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "68.26",
    "businessCodeList": [],
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "30f25d4f-2624-4e2c-bd85-2f50c8dfb251",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "2605200692681234",
    "completeTime": "1779334550984",
    "createTime": "1779334550984",
    "currency": "USD",
    "detail": "ZARA ONLINE OR YHUDA IL",
    "direction": 1,
    "fee": "1.37",
    "feeDetails": [],
    "id": "25d4f733-3361-458b-8e85-25d4f04defd9",
    "mcc": "5699",
    "mccCategory": "",
    "merchantCity": "OR YHUDA",
    "merchantCountry": "IL",
    "merchantMid": "",
    "merchantName": "ZARA ONLINE",
    "merchantState": "",
    "merchantZipcode": "",
    "remark": "",
    "status": "CLOSED",
    "transactionAmount": "199.9",
    "transactionCurrency": "ILS",
    "transactionDisplayId": "2605211135381234",
    "transactionScope": 1,
    "transactionTime": "1779334550967",
    "type": 0
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：14，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779334881307",
  "eventType": "CARD_TRANSACTION.UPDATED",
  "id": "527f6140-eef2-4ce2-a21a-8411a24dc567",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "39.27",
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "f6140d13-0b97-48d4-acea-f614058abdb7",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "2605210692773325",
    "completeTime": "1779334881007",
    "createTime": "1779334881007",
    "currency": "USD",
    "detail": "WOLT ENTERPRISES ISR TEL AVIV IL",
    "direction": 1,
    "fee": "1.0",
    "feeDetails": [
      {
        "amount": "1.0",
        "currency": "USD",
        "feeType": 3
      }
    ],
    "id": "69e94db7-801d-46da-8dad-0b5aec1c7d8e",
    "mcc": "5812",
    "mccCategory": "",
    "merchantCity": "TEL AVIV",
    "merchantCountry": "IL",
    "merchantMid": "",
    "merchantName": "WOLT ENTERPRISES ISR",
    "merchantState": "",
    "merchantZipcode": "",
    "relatedCardTransactionId": "d8eda079-6ba7-409e-99c8-ab5f83566fbd",
    "remark": "",
    "status": "CLOSED",
    "transactionAmount": "111.9",
    "transactionCurrency": "ILS",
    "transactionDisplayId": "2605211141381234",
    "transactionScope": 1,
    "transactionTime": "1779334881007",
    "type": 14
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：2，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779335683044",
  "eventType": "CARD_TRANSACTION.UPDATED",
  "id": "4b9b2a86-3f9f-49a6-8931-a9228ee8c6eb",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "1.0",
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "d851d74b-7f1f-4bf1-90ae-44a83fa6150c",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "2a865633-a820-4b9b-b71b-d19dbec6271a",
    "completeTime": "1779335682888",
    "createTime": "1779335682841",
    "currency": "USD",
    "detail": "",
    "direction": 1,
    "fee": "0.0",
    "feeDetails": [],
    "id": "9a864b9b-63e1-439b-bf15-4b9bcf102b89",
    "mcc": "",
    "mccCategory": "",
    "merchantCity": "",
    "merchantCountry": "",
    "merchantMid": "",
    "merchantName": "",
    "merchantState": "",
    "merchantZipcode": "",
    "remark": "",
    "status": "CLOSED",
    "transactionAmount": "0.0",
    "transactionCurrency": "USD",
    "transactionDisplayId": "2605211154381234",
    "transactionTime": "1779335682845",
    "type": 2
  }
}

Event Type：CARD_TRANSACTION.UPDATED，type：3，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779335696949",
  "eventType": "CARD_TRANSACTION.UPDATED",
  "id": "4ef46dc4-5af5-45ba-9278-6dad52ea71f7",
  "message": "",
  "resource": {
    "accountId": "78ad30f2-5794-47c7-b413-62cc599ab203",
    "amount": "0.5",
    "cardId": "0d13f168-339b-4b74-a412-07a6ababcd9c",
    "cardTransactionId": "7e771a8c-8f3c-4ef4-9f4f-4ef47d7225e9",
    "cardholderId": "2009176744496893954",
    "clientTransactionId": "4ef464ee-d234-4b07-af9e-4ef4087e402f_Penalty",
    "completeTime": "1779335696686",
    "createTime": "1779335696570",
    "currency": "USD",
    "detail": "",
    "direction": 2,
    "fee": "0.0",
    "feeDetails": [],
    "id": "4ef4696f-d0a9-4401-b99e-4ef46fbb7000",
    "mcc": "",
    "mccCategory": "",
    "merchantCity": "",
    "merchantCountry": "",
    "merchantMid": "",
    "merchantName": "",
    "merchantState": "",
    "merchantZipcode": "",
    "remark": "",
    "status": "CLOSED",
    "transactionAmount": "0.0",
    "transactionCurrency": "USD",
    "transactionDisplayId": "2605211154381234",
    "transactionTime": "1779335696573",
    "type": 3
  }
}

Budget Transaction

Event Type：BUDGET_TRANSACTION.CREATED，type：0，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779336002459",
  "eventType": "BUDGET_TRANSACTION.CREATED",
  "id": "43135225-4372-4fc4-9412-4313d5a99611",
  "message": "",
  "resource": {
    "id": "edf31dce-ee44-4ffd-a07b-63caee1a0819",
    "accountId": "b4631dd8-4d16-4e73-9426-b463560052bd",
    "budgetId": "a97ee5ed-e40c-4313-9028-982c3e36cee7",
    "amount": "0.4",
    "fee": "0",
    "feeDetails": [],
    "clientTransactionId": "e40cc38d-936d-40c3-a417-e40cb8446301",
    "transactionDisplayId": "2605211200381234",
    "type": "0",
    "status": "CLOSED",
    "createTime": "1779336001840",
    "transactionCurrency": "USD",
    "transactionAmount": "0.4",
    "direction": 1
  }
}

Event Type：BUDGET_TRANSACTION.CREATED，type：1，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779335681196",
  "eventType": "BUDGET_TRANSACTION.CREATED",
  "id": "4ad1238d-300d-4608-8b30-4ad16c85158c",
  "message": "",
  "resource": {
    "id": "22ded066-8441-4bda-9153-f87223435c80",
    "accountId": "b4631dd8-4d16-4e73-9426-b463560052bd",
    "budgetId": "a97ee5ed-e40c-4313-9028-982c3e36cee7",
    "amount": "197.69",
    "fee": "0",
    "feeDetails": [],
    "clientTransactionId": "4d164724-5fce-4ad1-ace9-4d16a4664204",
    "transactionDisplayId": "2605211154381234",
    "type": "1",
    "status": "CLOSED",
    "createTime": "1779335681053",
    "transactionCurrency": "USD",
    "transactionAmount": "197.69",
    "direction": 2
  }
}

Event Type：BUDGET_TRANSACTION.CREATED，type：2，status：CLOSED

{
  "apiVersion": "v3",
  "code": "000000",
  "createTime": "1779336004359",
  "eventType": "BUDGET_TRANSACTION.CREATED",
  "id": "10b177f2-a97e-449a-854f-ef0701295c4c",
  "message": "",
  "resource": {
    "id": "c21d10b1-5032-4ea2-8d55-459241e6c01f",
    "accountId": "b4631dd8-4d16-4e73-9426-b463560052bd",
    "budgetId": "a97ee5ed-e40c-4313-9028-982c3e36cee7",
    "cardId": "bfa0449a-e7a9-4a39-b463-63fd5ca5605d",
    "cardReferenceId": "card-b46351a0-6426-b463-b5cb-b463d741731f",
    "amount": "0",
    "fee": "0.5",
    "feeDetails": [],
    "clientTransactionId": "",
    "transactionDisplayId": "2605211200381234",
    "type": "2",
    "status": "CLOSED",
    "createTime": "1779336004103",
    "transactionCurrency": "USD",
    "transactionAmount": "0",
    "direction": 2
  }
}