# Card transaction state change

Triggered whenever a new card transaction occurs or is modified.
See the Webhooks guide for setup instructions, signature verification, and best practices.

Events may not be delivered in the order they occurred. Use data.occurred_at to reconcile the order.
See the Event Ordering guide for details.

* Event type: cards#transaction-state-change
* Profile level subscriptions: Not Supported
* Application level subscriptions: Supported

#### Transaction categorisation

Transactions can be categorized based on the guidelines below, though the results may not always be consistent.

* Active card check – transaction_amount is 0 or 1 and merchant.category.code does not equal 6011
* ATM balance check – transaction_amount is 0 and merchant.category.code equals 6011
* Pre-Authorisation – is_amount_confirmed is false and transaction_state equals IN_PROGRESS

Endpoint: POST cards#transaction-state-change

## Header parameters:

  - `X-Signature-SHA256` (string)
    RSA-SHA256 signature of the request body, Base64 encoded. Verify this against the Wise public key to ensure the request is authentic and has not been tampered with.
    Example: "t7FMhk3OARMgwqz0LJXO..."

  - `X-Delivery-Id` (string)
    Unique identifier for this webhook delivery attempt.
    Example: "a1b2c3d4-e5f6-7890-abcd-ef1234567890"

  - `X-Test-Notification` (boolean)
    Present with the value true if this is a test notification sent to verify your callback URL during subscription setup.
    Example: true

## Request fields (application/json):

  - `body` (any) — one of (discriminator: schema_version):
    - 4.0.0:
      - `schema_version` (string)
        Version of the event schema. Determined by the schema_version on your [webhook subscription](/api-reference/webhook).
        Enum: "4.0.0"
      - `subscription_id` (string)
        ID of the webhook subscription that triggered this event
        Example: "568da36b-7335-4608-ad1b-e5c2d32273b6"
      - `event_type` (string)
        Event type identifier
        Example: "cards#transaction-state-change"
      - `sent_at` (string)
        Timestamp when the event was sent
        Example: "2022-08-15T11:10:46.123Z"
      - `data` (object)
      - `data.resource` (object)
      - `data.resource.profile_id` (integer)
        ID of the profile that owns the card
        Example: 123456
      - `data.resource.client_id` (string)
        Your api_client_id
        Example: "your-bank"
      - `data.resource.card_token` (string)
        Unique identifier of the card
        Example: "136b29e4-7eab-4dac-a017-438d494ef6cb"
      - `data.resource.card_last_digits` (string)
        Last 4 digits of the card
        Example: "1234"
      - `data.resource.type` (string)
        Resource type (always card)
        Example: "card"
      - `data.transaction_id` (integer)
        ID of the transaction
        Example: 12345
      - `data.transaction_type` (string)
        Type of the transaction. Possible values:
- ACCOUNT_CREDIT - Receiving money on the card, excluding Visa OCT or Mastercard MoneySend
- ACCOUNT_FUNDING - Sending money to another card or e-wallet
- CASH_ADVANCE - Cash disbursement
- CASH_WITHDRAWAL - ATM withdrawal
- CHARGEBACK - Currently unused. Reserved for future use.
- CREDIT_TRANSACTION - Visa OCT and Mastercard MoneySend
- ECOM_PURCHASE - Online purchase
- POS_PURCHASE - Purchase via a POS Terminal
- REFUND - Partial or full refund of an existing card transaction
        Example: "CASH_WITHDRAWAL"
      - `data.transaction_step_type` (string)
        Step type of the transaction. Possible values:
- AUTH - Transaction authorization which is usually the first step
- PARTIAL_REVERSAL - Transaction has been partially reversed
- FULL_REVERSAL - Transaction has been fully reversed
- CAPTURE - Transaction has been captured
- SETTLE - Currently unused. Reserved for future use.
- REFUND - Currently unused. Reserved for future use.
- RECONCILIATION - Currently unused. Reserved for future use.
        Example: "CAPTURE"
      - `data.transaction_state` (string)
        The current state of the transaction. Possible values:
- IN_PROGRESS - The transaction is still in progress
- COMPLETED - The transaction is completed
- DECLINED - The transaction has been declined
- CANCELLED - The transaction has been cancelled
- UNKNOWN - Default fallback status
        Example: "COMPLETED"
      - `data.decline_reason` (string,null)
        Code of the decline reason if applicable
      - `data.detailed_decline_reason` (string,null)
        Code of the detailed decline reason if applicable. List of available options is available [here](/api-reference/card-transaction#card-transaction-detailed-decline-reasons).
      - `data.creation_time` (string)
        When the transaction was created
        Example: "2022-08-15T11:10:41.456Z"
      - `data.occurred_at` (string)
        When the transaction state change occurred
        Example: "2022-08-15T11:10:41.789Z"
      - `data.purge_time` (string,null)
        Time at which reserved funds will be released after the authorisation hold expires
        Example: "2022-08-22T11:10:41.123Z"
      - `data.transaction_amount` (object)
      - `data.transaction_amount.value` (number)
        Transaction amount, excluding all embedded fees such as ATM fees that are not applied by Wise
        Example: 100
      - `data.transaction_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.fees` (array)
        Array of fees
      - `data.fees.amount` (number)
        Fee amount
        Example: 1
      - `data.fees.currency` (string)
        Currency code
        Example: "EUR"
      - `data.fees.fee_type` (string)
        Fee type. Possible values:
- ATM_WITHDRAWAL - Fee charged by Wise
- ATM_MACHINE - Fee charged by the ATM owner
        Example: "ATM_WITHDRAWAL"
      - `data.transaction_amount_with_fees` (object)
      - `data.transaction_amount_with_fees.value` (number)
        Transaction amount including all fees
        Example: 101
      - `data.transaction_amount_with_fees.currency` (string)
        Currency code
        Example: "EUR"
      - `data.billing_amount` (object)
      - `data.billing_amount.value` (number)
        Billing amount
        Example: 100
      - `data.billing_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.merchant` (object)
      - `data.merchant.name` (string)
        Name of the merchant
        Example: "Test Payment"
      - `data.merchant.location` (object)
      - `data.merchant.location.country` (string)
        Country where merchant is located
        Example: "France"
      - `data.merchant.location.city` (string)
        City where merchant is located
        Example: "Rouen"
      - `data.merchant.location.postCode` (string,null)
        Post code where merchant is located
        Example: "00000"
      - `data.merchant.location.state` (string,null)
        State where merchant is located
      - `data.merchant.category` (object)
      - `data.merchant.category.code` (string)
        Merchant category code
        Example: "5999"
      - `data.merchant.category.description` (string)
        Merchant category description
        Example: "5999 R Miscellaneous and Special"
      - `data.authorisation_method` (string)
        Authorisation method
        Example: "MANUAL_ENTRY"
      - `data.approval_code` (string)
        Also called authorization code. This can be used to prove ownership of a customer's card/account to a merchant
        Example: "913647"
      - `data.arn` (string,null)
        Acquirer reference number
        Example: "04300014127798385983852"
      - `data.pin_validation_result` (string)
        PIN validation result. Possible values:
- ONLINE_PIN_VALIDATED
- ONLINE_PIN_INVALID
- OFFLINE_PIN_VALIDATED
- OFFLINE_PIN_INVALID
- NOT_RECEIVED
        Example: "ONLINE_PIN_VALIDATED"
      - `data.balance_channel_reference_id` (string)
        Balance channel reference ID associated with the card transaction
        Example: "6e71018d-2f4d-4fc3-6711-f517f4664712"
      - `data.debits` (array)
        Array of debits. Note that the debits list is a non-aggregated list of debit movements, meaning that the balance_id is not unique in the list. For example, a cancelled transaction may have a list of 2 debits where the absolute values of debited_amount.value, for_amount.value and fee.value are the same, but one is the negation of the other due to a reservation (first debit) which was then released (second debit with negated amounts). In this case, you can choose to perform the aggregation in your system or display the full list of debits to the end customer.
      - `data.debits.balance_id` (integer)
        Balance ID
        Example: 123
      - `data.debits.debited_amount` (object)
      - `data.debits.debited_amount.value` (number)
        Amount taken from the balance
        Example: 165.96
      - `data.debits.debited_amount.currency` (string)
        Currency code
        Example: "AUD"
      - `data.debits.for_amount` (object)
      - `data.debits.for_amount.value` (number)
        Amount converted to
        Example: 101
      - `data.debits.for_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.debits.rate` (number)
        Exchange rate
        Example: 0.61223252
      - `data.debits.fee` (object)
      - `data.debits.fee.value` (number)
        Conversion fee amount
        Example: 0.99
      - `data.debits.fee.currency` (string)
        Currency code
        Example: "AUD"
      - `data.debits.creation_time` (string)
        Time of balance debit creation
        Example: "2022-08-15T11:10:41.456Z"
      - `data.credits` (array)
        Array of credits
      - `data.credits.balance_id` (integer)
        Balance ID
        Example: 123
      - `data.credits.credited_amount` (object)
      - `data.credits.credited_amount.value` (number)
        Amount credited to the balance
        Example: 100
      - `data.credits.credited_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.relay_authorisation_data` (object)
      - `data.relay_authorisation_data.response_code` (string)
        Relayed authorisation [response code](/guides/product/issue-cards/relayed-authorisation#authorisation-response)
        Example: "APPROVED"
      - `data.relay_authorisation_data.fallback` (boolean)
        Whether there was a fallback applied by Wise
        Example: true
    - 2.1.0:
      - `schema_version` (string)
        Version of the event schema. Determined by the schema_version on your [webhook subscription](/api-reference/webhook).
        Enum: "2.1.0"
      - `subscription_id` (string)
        ID of the webhook subscription that triggered this event
        Example: "568da36b-7335-4608-ad1b-e5c2d32273b6"
      - `event_type` (string)
        Event type identifier
        Example: "cards#transaction-state-change"
      - `sent_at` (string)
        Timestamp when the event was sent
        Example: "2026-02-02T11:05:20Z"
      - `data` (object)
      - `data.resource` (object)
      - `data.resource.profile_id` (integer)
        ID of the profile that owns the card
        Example: 123456
      - `data.resource.client_id` (string)
        Your api_client_id
        Example: "your-bank"
      - `data.resource.card_token` (string)
        Unique identifier of the card
        Example: "136b29e4-7eab-4dac-a017-438d494ef6cb"
      - `data.resource.card_last_digits` (string)
        Last 4 digits of the card
        Example: "1234"
      - `data.resource.type` (string)
        Resource type (always card)
        Example: "card"
      - `data.transaction_id` (integer)
        ID of the transaction
        Example: 712893
      - `data.transaction_type` (string)
        Type of the transaction. Possible values:
- ACCOUNT_CREDIT - Receiving money on the card, excluding Visa OCT or Mastercard MoneySend
- ACCOUNT_FUNDING - Sending money to another card or e-wallet
- CASH_ADVANCE - Cash disbursement
- CASH_WITHDRAWAL - ATM withdrawal
- CHARGEBACK - Currently unused. Reserved for future use.
- CREDIT_TRANSACTION - Visa OCT and Mastercard MoneySend
- ECOM_PURCHASE - Online purchase
- POS_PURCHASE - Purchase via a POS Terminal
- REFUND - Partial or full refund of an existing card transaction
        Example: "POS_PURCHASE"
      - `data.transaction_step_type` (string)
        Step type of the transaction. Possible values:
- AUTH - Transaction authorization which is usually the first step
- PARTIAL_REVERSAL - Transaction has been partially reversed
- FULL_REVERSAL - Transaction has been fully reversed
- CAPTURE - Transaction has been captured
- SETTLE - Currently unused. Reserved for future use.
- REFUND - Currently unused. Reserved for future use.
- RECONCILIATION - Currently unused. Reserved for future use.
        Example: "FULL_REVERSAL"
      - `data.transaction_state` (string)
        The current state of the transaction. Possible values:
- IN_PROGRESS - The transaction is still in progress
- COMPLETED - The transaction is completed
- DECLINED - The transaction has been declined
- CANCELLED - The transaction has been cancelled
- UNKNOWN - Default fallback status
        Example: "CANCELLED"
      - `data.decline_reason` (string,null)
        Code of the decline reason if applicable
      - `data.detailed_decline_reason` (string,null)
        Code of the detailed decline reason if applicable. List of available options is available [here](/api-reference/card-transaction#card-transaction-detailed-decline-reasons).
      - `data.creation_time` (string)
        When the transaction was created
        Example: "2026-02-02T11:04:41Z"
      - `data.occurred_at` (string)
        When the transaction state change occurred
        Example: "2026-02-02T11:05:19Z"
      - `data.purge_time` (string,null)
        Time at which reserved funds will be released after the authorisation hold expires
      - `data.transaction_amount` (object)
      - `data.transaction_amount.value` (number)
        Transaction amount, excluding all embedded fees such as ATM fees that are not applied by Wise
        Example: 10
      - `data.transaction_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.fees` (array)
        Array of fees
      - `data.fees.amount` (number)
        Fee amount
        Example: 1
      - `data.fees.currency` (string)
        Currency code
        Example: "EUR"
      - `data.fees.fee_type` (string)
        Fee type. Possible values:
- ATM_WITHDRAWAL - Fee charged by Wise
- ATM_MACHINE - Fee charged by the ATM owner
        Example: "ATM_WITHDRAWAL"
      - `data.transaction_amount_with_fees` (object)
      - `data.transaction_amount_with_fees.value` (number)
        Transaction amount including all fees
        Example: 10
      - `data.transaction_amount_with_fees.currency` (string)
        Currency code
        Example: "EUR"
      - `data.billing_amount` (object)
      - `data.billing_amount.value` (number)
        Billing amount
        Example: 10
      - `data.billing_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.merchant` (object)
      - `data.merchant.name` (string)
        Name of the merchant
        Example: "Acquirer Name"
      - `data.merchant.location` (object)
      - `data.merchant.location.country` (string)
        Country where merchant is located
        Example: "GB"
      - `data.merchant.location.city` (string)
        City where merchant is located
        Example: "CITY NAME"
      - `data.merchant.location.postCode` (string,null)
        Post code where merchant is located
        Example: "00000"
      - `data.merchant.location.state` (string,null)
        State where merchant is located
      - `data.merchant.category` (object)
      - `data.merchant.category.code` (string)
        Merchant category code
        Example: "5499"
      - `data.merchant.category.description` (string)
        Merchant category description
        Example: "Miscellaneous Food Stores Conven"
      - `data.authorisation_method` (string)
        Authorisation method
        Example: "CONTACTLESS"
      - `data.approval_code` (string)
        Also called authorization code. This can be used to prove ownership of a customer's card/account to a merchant
        Example: "723647"
      - `data.arn` (string,null)
        Acquirer reference number
      - `data.pin_validation_result` (string)
        PIN validation result. Possible values:
- ONLINE_PIN_VALIDATED
- ONLINE_PIN_INVALID
- OFFLINE_PIN_VALIDATED
- OFFLINE_PIN_INVALID
- NOT_RECEIVED
        Example: "NOT_RECEIVED"
      - `data.balance_channel_reference_id` (string)
        Balance channel reference ID associated with the card transaction
        Example: "70781abe-9098-42f0-fb1f-6cf428b5068e"
      - `data.debits` (array)
        Array of debits. Note that the debits list is a non-aggregated list of debit movements, meaning that the balance_id is not unique in the list. For example, a cancelled transaction may have a list of 2 debits where the absolute values of debited_amount.value, for_amount.value and fee.value are the same, but one is the negation of the other due to a reservation (first debit) which was then released (second debit with negated amounts). In this case, you can choose to perform the aggregation in your system or display the full list of debits to the end customer.
      - `data.debits.balance_id` (integer)
        Balance ID
        Example: 4176832
      - `data.debits.debited_amount` (object)
      - `data.debits.debited_amount.value` (number)
        Amount taken from the balance
        Example: -10
      - `data.debits.debited_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.debits.for_amount` (object)
      - `data.debits.for_amount.value` (number)
        Amount converted to
        Example: -10
      - `data.debits.for_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.debits.rate` (number)
        Exchange rate
        Example: 1
      - `data.debits.fee` (object)
      - `data.debits.fee.value` (number)
        Conversion fee amount
      - `data.debits.fee.currency` (string)
        Currency code
        Example: "EUR"
      - `data.debits.creation_time` (string)
        Time of balance debit creation
        Example: "2026-02-02T11:05:19Z"
      - `data.credits` (array)
        Array of credits
      - `data.credits.balance_id` (integer)
        Balance ID
        Example: 123
      - `data.credits.credited_amount` (object)
      - `data.credits.credited_amount.value` (number)
        Amount credited to the balance
        Example: 100
      - `data.credits.credited_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.relay_authorisation_data` (object)
      - `data.relay_authorisation_data.response_code` (string)
        Relayed authorisation [response code](/guides/product/issue-cards/relayed-authorisation#authorisation-response)
        Example: "APPROVED"
      - `data.relay_authorisation_data.fallback` (boolean)
        Whether there was a fallback applied by Wise
        Example: true
    - 2.0.0:
      - `schema_version` (string)
        Version of the event schema. Determined by the schema_version on your [webhook subscription](/api-reference/webhook).
        Enum: "2.0.0"
      - `subscription_id` (string)
        ID of the webhook subscription that triggered this event
        Example: "568da36b-7335-4608-ad1b-e5c2d32273b6"
      - `event_type` (string)
        Event type identifier
        Example: "cards#transaction-state-change"
      - `sent_at` (string)
        Timestamp when the event was sent
        Example: "2022-08-15T11:10:46Z"
      - `data` (object)
      - `data.resource` (object)
      - `data.resource.profile_id` (integer)
        ID of the profile that owns the card
        Example: 123456
      - `data.resource.client_id` (string)
        Your api_client_id
        Example: "your-bank"
      - `data.resource.card_token` (string)
        Unique identifier of the card
        Example: "136b29e4-7eab-4dac-a017-438d494ef6cb"
      - `data.resource.card_last_digits` (string)
        Last 4 digits of the card
        Example: "1234"
      - `data.resource.type` (string)
        Resource type (always card)
        Example: "card"
      - `data.transaction_id` (integer)
        ID of the transaction
        Example: 12345
      - `data.transaction_type` (string)
        Type of the transaction. Possible values:
- ACCOUNT_CREDIT - Receiving money on the card, excluding Visa OCT or Mastercard MoneySend
- ACCOUNT_FUNDING - Sending money to another card or e-wallet
- CASH_ADVANCE - Cash disbursement
- CASH_WITHDRAWAL - ATM withdrawal
- CHARGEBACK - Currently unused. Reserved for future use.
- CREDIT_TRANSACTION - Visa OCT and Mastercard MoneySend
- ECOM_PURCHASE - Online purchase
- POS_PURCHASE - Purchase via a POS Terminal
- REFUND - Partial or full refund of an existing card transaction
        Example: "CASH_WITHDRAWAL"
      - `data.transaction_step_type` (string)
        Step type of the transaction. Possible values:
- AUTH - Transaction authorization which is usually the first step
- PARTIAL_REVERSAL - Transaction has been partially reversed
- FULL_REVERSAL - Transaction has been fully reversed
- CAPTURE - Transaction has been captured
- SETTLE - Currently unused. Reserved for future use.
- REFUND - Currently unused. Reserved for future use.
- RECONCILIATION - Currently unused. Reserved for future use.
        Example: "CAPTURE"
      - `data.decline_reason` (string,null)
        Code of the decline reason if applicable
      - `data.detailed_decline_reason` (string,null)
        Code of the detailed decline reason if applicable. List of available options is available [here](/api-reference/card-transaction#card-transaction-detailed-decline-reasons).
      - `data.transaction_state` (string)
        The current state of the transaction. Possible values:
- IN_PROGRESS - The transaction is still in progress
- COMPLETED - The transaction is completed
- DECLINED - The transaction has been declined
- CANCELLED - The transaction has been cancelled
- UNKNOWN - Default fallback status
        Example: "COMPLETED"
      - `data.transaction_amount` (object)
      - `data.transaction_amount.value` (number)
        Transaction amount, excluding all embedded fees such as ATM fees that are not applied by Wise
        Example: 100
      - `data.transaction_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.is_amount_confirmed` (boolean)
        Whether the transaction amount is confirmed
        Example: true
      - `data.fees` (array)
        Array of fees
      - `data.fees.amount` (number)
        Fee amount
        Example: 1
      - `data.fees.currency` (string)
        Currency code
        Example: "EUR"
      - `data.fees.fee_type` (string)
        Fee type. Possible values:
- ATM_WITHDRAWAL - Fee charged by Wise
- ATM_MACHINE - Fee charged by the ATM owner
        Example: "ATM_WITHDRAWAL"
      - `data.transaction_amount_with_fees` (object)
      - `data.transaction_amount_with_fees.value` (number)
        Transaction amount including fees
        Example: 101
      - `data.transaction_amount_with_fees.currency` (string)
        Currency code
        Example: "EUR"
      - `data.billing_amount` (object)
      - `data.billing_amount.value` (number)
        Billing amount
        Example: 100
      - `data.billing_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.authorisation_method` (string)
        Authorisation method
        Example: "CHIP_AND_PIN"
      - `data.pin_validation_result` (string)
        PIN validation result. Possible values:
- ONLINE_PIN_VALIDATED
- ONLINE_PIN_INVALID
- OFFLINE_PIN_VALIDATED
- OFFLINE_PIN_INVALID
- NOT_RECEIVED
        Example: "ONLINE_PIN_VALIDATED"
      - `data.approval_code` (string)
        Also called authorization code. This can be used to prove ownership of a customer's card/account to a merchant
        Example: "913647"
      - `data.purge_time` (string,null)
        Time at which reserved funds will be released after the authorisation hold expires
        Example: "2022-08-22T11:10:41Z"
      - `data.balance_transaction_id` (integer)
        Associated balance transaction id if applicable
        Example: 12345
      - `data.balance_movements` (array)
        Array of balance movements
      - `data.balance_movements.creation_time` (string)
        When the balance movement occurred
        Example: "2024-12-02T04:17:40Z"
      - `data.balance_movements.balance_id` (string)
        ID of the balance credited or debited
        Example: "123"
      - `data.balance_movements.type` (string)
        credit or debit
        Example: "debit"
      - `data.balance_movements.amount` (object)
      - `data.balance_movements.amount.value` (number)
        Credited or debited amount
        Example: 165.96
      - `data.balance_movements.amount.currency` (string)
        Currency code
        Example: "AUD"
      - `data.debits` (array)
        Array of debits
      - `data.debits.balance_id` (integer)
        Balance ID
        Example: 123
      - `data.debits.debited_amount` (object)
      - `data.debits.debited_amount.value` (number)
        Amount taken from the balance
        Example: 165.96
      - `data.debits.debited_amount.currency` (string)
        Currency code
        Example: "AUD"
      - `data.debits.for_amount` (object)
      - `data.debits.for_amount.value` (number)
        Amount converted to
        Example: 101
      - `data.debits.for_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.debits.rate` (number)
        Exchange rate
        Example: 0.61223252
      - `data.debits.fee` (object)
      - `data.debits.fee.value` (number)
        Conversion fee amount
        Example: 0.99
      - `data.debits.fee.currency` (string)
        Currency code
        Example: "AUD"
      - `data.credit` (object,null)
      - `data.credit.balance_id` (integer)
        Balance ID
        Example: 123
      - `data.credit.credited_amount` (object)
      - `data.credit.credited_amount.value` (number)
        Amount credited to the balance
        Example: 100
      - `data.credit.credited_amount.currency` (string)
        Currency code
        Example: "EUR"
      - `data.merchant` (object)
      - `data.merchant.name` (string)
        Name of the merchant
        Example: "Test Payment"
      - `data.merchant.location` (object)
      - `data.merchant.location.country` (string)
        Country where merchant is located
        Example: "France"
      - `data.merchant.location.city` (string)
        City where merchant is located
        Example: "Rouen"
      - `data.merchant.location.postCode` (string,null)
        Post code where merchant is located
        Example: "00000"
      - `data.merchant.location.state` (string,null)
        State where merchant is located
      - `data.merchant.category` (object)
      - `data.merchant.category.code` (string)
        Merchant category code
        Example: "6011"
      - `data.merchant.category.description` (string)
        Merchant category description
        Example: "6011 Z Member Financial Institution"
      - `data.arn` (string,null)
        Acquirer reference number
        Example: "04300014127798385983852"
      - `data.creation_time` (string)
        When transaction was created
        Example: "2022-08-15T11:10:41Z"
      - `data.occurred_at` (string)
        When transaction or transaction state change occurred
        Example: "2022-08-15T11:10:41Z"
      - `data.relay_authorisation_data` (object)
      - `data.relay_authorisation_data.response_code` (string)
        Relayed authorisation [response code](/guides/product/issue-cards/relayed-authorisation#authorisation-response)
        Example: "APPROVED"
      - `data.relay_authorisation_data.fallback` (boolean)
        Whether there was a fallback applied by Wise
        Example: true
      - `data.is_debit` (boolean)
        Indicates whether the transaction type is a debit. This field is deprecated, use data.transaction_amount.value to determine if the transaction is a debit (positive) or a credit into the balance (negative).
        Example: true

## Response 200 fields (application/json):

  - `status` (string)
    Example: "ok"