A quick reference for the most common questions about card transaction statuses.
📖 Quick Q&A
Each question covers a specific scenario. For full details, see the corresponding main article in this Help Center.
❓ My transaction was rejected. Was I charged?
No. Funds did not actually move; no refund is needed. The system may briefly show an authorization amount, but it auto-releases.
❓ What if the rejection was due to insufficient balance?
Tap "Transfer" at the bottom of the transaction details page, move funds from Pay to the card, then retry the payment.
❓ What does "Authorized" mean?
The payment has been sent to the merchant and is being processed. This is an intermediate state that automatically updates to "Settled" or a refund.
❓ How long until "Authorized" becomes "Settled"?
Usually within hours to a few days. However, some merchants (hotels, car rentals, gas stations, cross-border merchants) may take up to 30 days.
❓ Can I still get a refund for a "Settled" transaction?
Yes—contact the merchant directly. Once processed, a "Consumption Refund" entry will appear in your transaction history.
❓ Where can I see transaction statuses?
Asset → Pay → Card → Transaction Record → Transaction Detail.
❓ Why is there no "Transfer" button on my rejected transaction?
The rejection was caused by risk control or merchant restrictions, not by insufficient balance. Try a different merchant or contact support.
❓ What if the merchant refuses to refund a "Settled" transaction?
Contact MPChat support with your order number and merchant communication. We can help you file a dispute.
🔗 Related Articles
Understanding card transaction statuses
Why was my card transaction rejected?
What does "Authorized" mean?
How to refund a "Settled" transaction