> ## Documentation Index
> Fetch the complete documentation index at: https://developers.uqpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview (Card Issuing)

> The merchant dashboard Cards > Overview page — see per-currency balances, card performance (active cards, decline / validation / reversal rates), and recent balance activity at a glance, with quick actions to issue cards, manage cardholders, view activity, and run reports.

## What this is

This is the **Overview** page under the **Cards** module in the merchant dashboard (left nav **Cards** → top tab **Overview**; page subtitle "Balances, card performance & recent activity"). It is the card issuing dashboard home, summarizing three things on one screen: per-currency **account balances**, **card performance** (active cards, decline rate, validation rate, reversal rate), and recent **balance activity**. Use this page to quickly check overall card health, whether balances are sufficient, and whether declines are high — or to jump to issuing a card, viewing cardholders, viewing transactions, or exporting reports.

## Steps

Open Overview:

1. In the left nav, click **Cards**.
2. Select the **Overview** tab at the top (siblings: Cards, Cardholders, Transactions, Low balance).

View balances and deposit:

1. The top of the page shows a **balance card** per currency, each showing that currency's total, Available, and Margin, plus the approximate USD value.
2. Click **Deposit** on the right of the section header to start a deposit (move funds from your bank account to the card issuing account).
3. Click a balance card to jump to that currency's transaction list.

View card performance:

1. In the **Card performance** panel, the ring on the left shows current **active cards / capacity** and a health label.
2. In the middle, **By card program** switches between "All programs" and a specific card program; the right side then shows that program's **Decline rate / Validation rate / Reversal rate** plus Requests, Declined, and Reversals.
3. Click **Reports** at the top right to go to the reports page.

View recent activity / use quick actions:

1. The **Balance activity** table shows recent balance movements (preview); click **View all** to open the full transaction list.
2. The **Quick actions** panel on the right provides four entries: Issue card, Cardholders, Activity, Reports.

## Fields and statuses

**Balance card fields** (one card per currency):

| Field              | Meaning (merchant view)                                                              |
| ------------------ | ------------------------------------------------------------------------------------ |
| {currency} balance | That currency's total (Available + Margin); the approximate USD value is shown below |
| Available          | Currently available balance                                                          |
| Margin             | Balance frozen as margin                                                             |

> Balance cards show the currencies enabled on your account (default order SGD, USD, XUSD, HKD); new accounts or accounts with no data show SGD / USD at zero.

**Card performance panel**:

| Metric                          | Meaning                                                                                        |
| ------------------------------- | ---------------------------------------------------------------------------------------------- |
| Active cards / capacity         | The ring center shows the number of issued cards; "of N cards" below is the program's capacity |
| Decline rate                    | Share of authorizations that were declined                                                     |
| Validation rate                 | Share of validations (e.g. 3DS / checks)                                                       |
| Reversal rate                   | Share of transactions reversed                                                                 |
| Requests / Declined / Reversals | The program's total requests, declines, and reversals                                          |

**Health labels** (auto-determined by decline rate):

| Label             | Trigger            |
| ----------------- | ------------------ |
| Healthy           | Decline rate ≤ 20% |
| Watch             | Decline rate > 20% |
| Elevated declines | Decline rate > 50% |

**Balance activity columns** (only these 5 columns shown):

| Column    | Meaning                                                               |
| --------- | --------------------------------------------------------------------- |
| Reference | Transaction reference; can be copied inline                           |
| Type      | Transaction type (see below)                                          |
| Amount    | Transaction amount; credits in green with "+", debits in red with "−" |
| Time      | Completion time (falls back to creation time)                         |
| Status    | Transaction status (see below)                                        |

**Transaction status**:

| Status    | Meaning                |
| --------- | ---------------------- |
| Completed | Transaction completed  |
| Pending   | Transaction processing |
| Failed    | Transaction failed     |

**Transaction types**:

| Type          | Meaning                    |
| ------------- | -------------------------- |
| Deposit       | Account deposit credited   |
| Transfer In   | Funds transferred in       |
| Transfer Out  | Funds transferred out      |
| Authorization | Card authorization (spend) |
| Reversal      | Authorization reversal     |
| Card Refund   | Card refund                |
| Card Recharge | Recharge to a card         |
| Card Withdraw | Withdraw from a card       |
| Fee           | Fee                        |
| Refund        | Refund                     |

> This page's transaction-type wording differs slightly from the **Ledger** page (which uses a more granular type vocabulary); rely on what each page actually shows.

**Quick actions** (right-side card):

| Entry       | Description                       | Goes to           |
| ----------- | --------------------------------- | ----------------- |
| Issue card  | Create a virtual or physical card | Create card       |
| Cardholders | View & manage cardholders         | Cardholders page  |
| Activity    | Browse financial transactions     | Transactions page |
| Reports     | Export transactions and ledger    | Reports page      |

## Edge cases and troubleshooting

* **Balance cards show 0 or only SGD/USD**: when a new account has no currencies enabled yet or has no data, it shows SGD / USD zero-value placeholders — this is not an error.
* **Balance activity shows "No balance activity yet"**: there have been no balance movements; the hint reads "Movements across your card balances will show up here", and entries appear automatically once there are transactions.
* **Card performance shows the "Elevated declines" health label**: the selected program's decline rate is above 50%; this is a static indicator — why declines happen needs to be investigated via transactions/ledger and is out of scope for this page.
* **No "Deposit" button**: the deposit entry may be hidden by account configuration, or you are in a cardholder role (cardholder roles can only access cards and card transactions).
* **You only want one card program's data**: select that program under "By card program" and the metrics on the right switch to it.

## Common questions (Q\&A)

* **Q: Where do I find the card issuing overview? / Where's the cards home?** A: Left nav **Cards** → top **Overview** tab.
* **Q: How do I see my card balances per currency?** A: The balance cards at the top of the Overview page — one per currency, showing total, Available, Margin, and approximate USD.
* **Q: What's the difference between Available and Margin?** A: Available = the balance you can use now; Margin = the portion frozen as margin; the total at the top of the balance card is the sum of both.
* **Q: How do I deposit to the card issuing account?** A: Click **Deposit** on the right of the Overview page header to move funds from your bank account to the card issuing account.
* **Q: Where do I see decline / validation / reversal rates?** A: The **Card performance** panel on the Overview page, viewable by "All programs" or a specific card program.
* **Q: What do the "Watch" and "Elevated declines" health labels mean?** A: They're based on decline rate — ≤ 20% Healthy, > 20% Watch, > 50% Elevated declines.
* **Q: How is the Overview's balance activity different from the Transactions page?** A: Overview shows only the latest few as a preview; click **View all** to open the searchable/filterable full transaction list.
* **Q: What can quick actions do?** A: One-click to issue a card, view cardholders, view financial activity, and export reports.
* **Q: Why can't I see the Deposit button / Overview page?** A: The account may have hidden that entry, or you're in a cardholder role (which can only access cards and card transactions).