Transaction Lifecycle Stages

The Transaction Lifecycle shows each step a transaction goes through as it is processed. These stages appear in the Transaction Details timeline and include timestamps, duration, and activity counts to help merchants understand how the transaction progressed.

Lifecycle Stage Summary

Stage	Description
Validation	Confirms that the transaction request includes the required information and is properly formatted before processing continues.
Enrichment	Adds supplemental data used for screening and authorization, such as card metadata or additional transaction details.
Screening	Applies fraud and risk checks, including rules configured for the merchant, to determine whether the transaction should proceed.
Authorization	Sends the transaction to the issuing bank or processor for approval. Returns results such as approval/decline status, AVS/CVV responses, and authorization codes.
Finalization	Completes the transaction flow after authorization and prepares the transaction for settlement or follow-up actions.
Capture	For two-step processing, this stage represents the capture of previously authorized funds. Some merchants or processors may always auto-capture immediately, while others perform capture later.

Data Section Descriptions

Below are descriptions of each data section shown in the Transaction Details page.

Card Data

The Card Data section contains detailed information about the payment card used in the transaction, including card attributes, issuer details, and billing contact information.

Card Information Fields

Field	Description
Card Number	The card account number.
Expiration Date	The expiration date of the card.
Name On Card	The name on the card.
Entry Mode	The entry mode of the card.
Cv Presence	The CV (Card Verification) presence status.
IIN	The IIN (Issuer Identification Number) of the card.
ARQC	The ARQC (Authorization Request Cryptogram) of the card.
Last4Card Number	The last 4 digits of the card number.
Expiration Month	The expiration month of the card.
Expiration Year	The expiration year of the card.
Bin Data	The BIN (Bank Identification Number) data associated with the card.
Cvv	The CVV (Card Verification Value) of the card.
Pin	The PIN (Personal Identification Number) of the card.
Key Serial Number	The Key Serial Number associated with the card.
Emv Data	The EMV (Europay, Mastercard, and Visa) data associated with the card.
Track Data	The track data of the card.
Encrypted Track1Data	The encrypted track 1 data of the card.
Encrypted Track2Data	The encrypted track 2 data of the card.
Encrypted Track3Data	The encrypted track 3 data of the card.
Billing Address	The billing address associated with the card. Optional by default (no nested validation enforced).
Phone	The phone number associated with the card.
Email	The email address associated with the card.

BIN / Issuer Details Fields

Field	Description
Bin	The Bank Identification Number (BIN).
Brand	The brand associated with the BIN.
Type	The type of the card associated with the BIN.
Category	The category of the card associated with the BIN.
Pan Length	The length of the Primary Account Number (PAN) associated with the BIN.
Issued Entity	The entity type to which the card is issued.
Organization	The organization associated with the BIN.
Country Number	The ISO 3166-1 numeric country code associated with the BIN.
Issuer Phone	The phone number of the issuer associated with the BIN.
Issuer Website	The website of the issuer associated with the BIN.
Regulated	Value indicating whether the BIN is regulated.
Commercial	Value indicating whether the BIN is commercial.
Healthcare	Value indicating whether the BIN is healthcare-related.
Country	The country associated with the BIN.
Country Code A2	The ISO 3166-1 alpha-2 country code associated with the BIN.

Billing Contact Fields

Field	Description
Address1	The first line of the billing contact’s street address.
Address2	The second line of the billing contact’s street address, if applicable.
City	The billing contact’s city.
State	The billing contact’s state or province.
Zip	The billing contact’s postal or ZIP code.
Country	The billing contact’s country.
Phone	The billing contact’s phone number.
Email	The billing contact’s email address.

Device Data

The Device Data section shows details about the payment device used for the transaction. This includes the SDK version, device identifier, battery status, and whether any device data is encrypted.

Device Data Fields

Field	Description
Sdk Version	The version of the SDK used by the device.
Serial Number	The serial number of the device.
Battery Level	The battery level of the device. The value is nullable to accommodate devices that may not report battery level.
Is Encrypted	Value indicating whether the device data is encrypted.
Encryption Type	The type of encryption used for the device data, if applicable.

FSA

The FSA (Flexible Spending Account) section displays healthcare-related spending categories associated with the transaction. These fields break down amounts eligible under specific FSA categories such as medical, dental, vision, prescription, and transit benefits. It also indicates whether partial authorization is supported for FSA transactions.

FSA Fields

Field	Description
QHP Amount	The Qualified Health Plan (QHP) amount for the FSA.
Rx Amount	The prescription (Rx) amount for the FSA.
Vision Amount	The vision care amount for the FSA.
Dental Amount	The dental care amount for the FSA.
Clinical Amount	The clinical care amount for the FSA.
Copay Amount	The copay amount for the FSA.
Transit Amount	The transit amount for the FSA.
Partial Auth Support	Indicates whether partial authorization is supported for this FSA.

Soft Descriptors

The Soft Descriptors section contains optional alternate merchant information that can appear on the cardholder’s statement or be used by the issuer for additional context. This includes an alternate merchant name and an alternate merchant contact address.

Alternate Merchant Name Fields

The Alternate Merchant Name is an optional, more customer-friendly label for the merchant that may appear on the cardholder statement instead of (or in addition to) the primary merchant name.

Alternate Merchant Contact

The Alternate Merchant Contact subsection captures an alternate address and contact details for the merchant. This information can be used by issuers or cardholders to identify or contact the merchant.

Field	Description
Address1	First line of the alternate merchant address (for example, street address).
Address2	Second line of the alternate merchant address (for example, apartment, suite, unit, or building).
City	City for the alternate merchant address.
State	State or region for the alternate merchant address.
Zip	ZIP code for the alternate merchant address.
Country	Country for the alternate merchant address (defaults to “USA” if not otherwise specified).
Province	Province for the alternate merchant address, if applicable.
Postal Code	Postal code for the alternate merchant address (used where postal code differs from ZIP code).
Id	Unique identifier for this alternate merchant address record.
Is Mailing	Indicates whether this address is used as a mailing address.
Is Default	Indicates whether this address is the default alternate merchant address.

Register

The Register section identifies the specific source that submitted the transaction. Registers allow merchants to differentiate transactions originating from different systems—such as POS terminals, integrations, or internal applications—when multiple sources operate under the same merchant account. This information is useful for reporting, troubleshooting, and understanding transaction flow across various entry points.

Register Fields

Field	Description
Id	The unique system-generated identifier of the register associated with the transaction.
Name	The display name of the register.

Invoice Data

The Invoice Data section captures the financial breakdown of the transaction along with the shipping address, when applicable. This information is used for authorization, settlement, and reporting, and helps clearly separate the base purchase amount from fees, taxes, and other charges.

Request Amounts Fields

Field	Description
Base	The base amount of the transaction (for example, the cost of goods or services before tax, tips, and fees). This value is required and cannot be negative.
Tip	The tip or gratuity amount for the transaction. This value cannot be negative.
Tax	The tax amount applied to the transaction. This value cannot be negative.
Shipping	The shipping amount for the transaction (for example, delivery or freight charges). This value cannot be negative.
Convenience	The convenience fee amount added to the transaction, if applicable. This value cannot be negative.
Convenience Percentage	The convenience fee expressed as a percentage of the transaction amount, if applicable. This value cannot be negative.
Surcharge	The surcharge amount applied to the transaction (for example, a card surcharge, where legally permitted). This value cannot be negative.
Cashback	The cashback amount requested as part of the transaction (typically for debit transactions with cashback). This value cannot be negative.
Total	The total amount of the transaction. This is calculated based on the sum of the base amount, tip, tax, shipping, and convenience (and may include other configured components). The value must be positive and is required.

Shipping Address Fields

Field	Description
Address1	First line of the shipping address (for example, street address).
Address2	Second line of the shipping address (for example, apartment, suite, unit, building, or floor).
City	City for the shipping address.
State	State or region for the shipping address.
Zip	ZIP code for the shipping address.
Country	Country for the shipping address. Defaults to “USA” if not otherwise specified.
Province	Province for the shipping address, if applicable (often used outside the U.S. or in certain regional formats).
Postal Code	Postal code for the shipping address (used where postal code differs from or supplements the ZIP code).
Id	Unique identifier for this shipping address record.
Is Mailing	Indicates whether this address is used as a mailing address (for example, for statements or correspondence).
Is Default	Indicates whether this address is the default shipping address for this context or entity.

Original Transaction

The Original Transaction section is displayed when the current transaction is related to, or derived from, a prior transaction. This typically appears for actions such as refunds, voids, reversals, or captures against a previously authorized transaction. The field provides a reference link to the original transaction so that reporting, reconciliation, and downstream payment processor flows remain consistent.

Original Transaction Fields

Field	Description
Original Transaction	A reference identifier that links this transaction to the original one. This may be the original transaction ID, authorization ID, or another gateway-specific reference used when the operation is a refund, void, reversal, or capture.

Signature Data

The Signature Data section contains information captured when a cardholder provides a signature as part of the transaction process. This may include signatures collected on supported payment devices, touchscreen-based POS interfaces, or other customer-facing input hardware. The fields in this section indicate the type of signature captured and the raw signature data, when available.

Signature Data Fields

Field	Description
Signature Type	The type or identifier of the signature data captured.
Data	The signature image or encoded signature content.

Level2 Data

The Level2 Data section contains enhanced transaction information used primarily for corporate, purchasing, and B2B card transactions. Providing Level 2 data can help merchants qualify for better interchange rates on eligible card types. These fields represent supplemental commercial details such as purchase order information, merchant location identifiers, and transaction timestamps.

Level2 Data Fields

Field	Description
Po Number	The purchase order (PO) number associated with the transaction. Used for commercial and purchasing card flows.
Transaction Date	The date and time the transaction was processed.
Merchant Zip	The merchant’s ZIP code as submitted for Level 2 qualification.

Level3 Data

The Level3 Data section provides enhanced commercial transaction details used for line-item and freight-related interchange qualification. Level 3 data is typically submitted for purchasing cards, corporate cards, and B2B transactions where additional shipping and document-level fields help improve issuer transparency and can lower interchange costs for eligible merchants.

Level3 Data Fields

Field	Description
Ship From Zip	The ZIP code of the location from which goods were shipped. Used for freight, delivery, and Level 3 qualification.
Destination Zip	The ZIP code of the customer’s destination address for shipped goods.
Invoice Number	The invoice identifier associated with the transaction, typically included on B2B billing or procurement documents.
Order Number	The merchant’s internal order identifier for the transaction, often used to reconcile purchases with line-item detail.

Response Data

The Response Data section displays information returned from the gateway or processor after the transaction is sent for authorization. It includes the monetary amounts used by the issuer (such as balances and approved amounts) as well as detailed processor and network response metadata (result codes, network identifiers, and other authorization details).

Response Amounts Fields

Field	Description
Beginning Balance	The beginning balance of the account at the time the transaction was processed.
Available Balance	The available balance on the account after considering holds and pending authorizations.
Cashback	The cashback amount for the transaction.
Requested	The requested amount for the transaction.
Preauthorized	The preauthorized amount for the transaction.
Open To Buy	The open to buy amount (the amount remaining spending capacity on the account after this transaction, as reported by the issuer).
Ewic Discount	The EWIC (Electronic Women, Infants, and Children) discount amount applied to the transaction.
Transaction Fee	The fee amount associated with processing the transaction.
Approved	The amount that was actually approved by the issuer or processor.
Balance Due	The remaining balance due after the transaction is applied.

Processor Response Detail Fields

Field	Description
Card Validation Data	The card validation associated with the transaction.
Result Code	The result code of the transaction.
Result Message	The result message of the transaction.
Debit Trace Number	The debit trace or reference number associated with a debit transaction.
Result Detail	Additional text or structured details about the transaction result.
Authorization Code	The authorization code returned by the issuer or network for an approved transaction.
Response Date	The date and time when the processor response was received.
Authorizing Network Id	The identifier of the authorizing network that processed the transaction.
Authorizing Network Name	The name of the authorizing network.
Routing Indicator	The routing indicator for a transaction.
Customer Signature Recommended	Indicates whether the processor recommends capturing a customer signature for this transaction.
Processor Response Detail	Any additional detailed response details returned from the processor.
Association Response Code	The card association–specific response code (ISO or network code indicating approval/decline reason).
Response Category Code	A higher-level category or grouping for the response (for example, approved, soft decline, hard decline).
Card Indicator	The card indicator for a transaction.
Detailed Product Id	The detailed product id associated with the transaction.
Client Ip Address	The client or terminal IP address associated with the transaction at the time of processing.
Amounts	The response amounts associated with the transaction.

Settle Data

The Settle Data section contains information produced once a transaction has been successfully settled (captured and submitted for funding). Settlement is the final stage of the payment lifecycle when the transaction is included in a batch and sent to the acquirer for deposit. If the transaction has not yet settled—or if it is an authorization-only, void, or declined transaction—this section may appear empty.

Settle Data Fields

Field	Description
Settle Data	Settlement information associated with the transaction. This may include settlement date/time, settled amount, batch or deposit identifiers, acquirer settlement references, or other funding-related metadata. This section will be populated only for transactions that have reached the settlement stage.