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 your wallet 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?
Wallet → 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