What are the different states of a card transaction?

When you use your Qonto MasterCard, the transaction appears instantly in your 'History' and may show a label depending on its state:

  • A card transaction labelled as 'Processing' has been authorised but the account of the merchant hasn't been credited yet
  • A card transaction without any label is 'Settled' and the account of the merchant has been credited
  • A card transaction labelled as 'Declined' hasn't been authorised (learn more)
  • A card transaction can be 'Reversed' if the payment has been authorised but the merchant finally cancelled the transaction; this operation will disappear from your 'History'.

Transaction states are important to understand how the balance of your account is calculated.

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