# 

Track and manage customer card transaction data

## Card Transactions 

It is recommended to subscribe to [card transaction state change webhook events](/guides/developer/webhooks/event-types#cards-transaction-state-change) to
receive card transaction data to build your card transaction page.

To retrieve more information related to the card transaction (such as merchant data) you need to use the [card transaction API](/api-reference/card-transaction#get).

The possible `state` values are:

- `IN_PROGRESS` - The transaction has been authorized but not captured.
- `COMPLETED` - The transaction has been captured and/or settled.
- `DECLINED` - The transaction has been declined.
- `CANCELLED` - The transaction has been cancelled.
- `UNKNOWN` - Default fallback status if the state can't be confirmed.


The transition from `CANCELLED` to `COMPLETED` is an edge case. Wise will release user
funds after 7 days (30 days for pre-authorization) if the merchant has not captured the transaction and the state is moved to `CANCELLED`.
After this, the merchant can decide to capture the transaction after the release of funds, the state will then be move to `COMPLETED`.

For a detailed list of decline reasons see [here](/api-reference/card-transaction#decline-reasons).

To receive webhook events on changes in a user's balance see [balance update events](/guides/developer/webhooks/event-types#balance-update-event)

Card transaction state transitions
Transaction state flow
## Activities API 

For a simple solution to display all actions that have been performed on a user account, see the [activity API](/api-reference/activity).