This article helps you understand the three main statuses of MPChat card transactions and how funds move at each stage.
📖 Overview
You can check the real-time status of any card transaction in Wallet → Card → Transaction Record → Transaction Detail. Each transaction is in one of three statuses.
🚫 Declined
Meaning: The transaction did not go through; the merchant did not receive funds.
Fund flow: No funds were actually moved. No refund is needed.
Common causes:
The available balance in this account is insufficient
Risk control or merchant restriction
⏳ Authorized
Meaning: The payment has been sent to the merchant and is being processed.
Fund flow: Funds are temporarily held, pending settlement or refund.
What happens next: It usually updates to "Settled" or "Refunded". Some merchants may take up to 30 days to complete settlement.
✅ Settled
Meaning: The transaction has been successfully settled.
Fund flow: Funds have been transferred to the merchant.
Refunds: If you need a refund, contact the merchant directly. A "Consumption Refund" entry will appear once the refund arrives.
🔗 Related Articles
Why was my transaction rejected?
How long does the "Authorized" status last?
How do I get a refund for a "Settled" transaction?