> ## 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.

# Transaction

> Published when a transaction is authorized, reversed, refunded, settled, or charged back.

## Event Types

| Event Type                                | Description                                                                                                                                                                                                                                                              |
| ----------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `issuing.transaction.authorization`       | The issuer approved a cardholder-initiated transaction. Typically used for ordinary purchases or transactions.                                                                                                                                                           |
| `issuing.transaction.reversal`            | A previous transaction was canceled or reversed — for example due to fraud, operational error, or transaction cancellation. Funds are returned to the cardholder's account.                                                                                              |
| `issuing.transaction.refund`              | The cardholder returned purchased goods or services and the merchant refunded the funds back to the cardholder's account.                                                                                                                                                |
| `issuing.transaction.settlement.credit`   | The settlement amount was lower than the original transaction amount, so the difference is credited to the cardholder's account.                                                                                                                                         |
| `issuing.transaction.settlement.debit`    | The settlement amount was higher than the original transaction amount, so the difference is debited from the cardholder's account.                                                                                                                                       |
| `issuing.transaction.settlement.reversal` | A previous settlement transaction was reversed, returning the funds to the cardholder when an error occurred.                                                                                                                                                            |
| `issuing.transaction.fund.collection`     | Notification that the cardholder's card account has received funds from an external source, reported to UQPAY by the card network (e.g. Visa/Mastercard) and forwarded to you. Distinct from cardholder-initiated `CARD RECHARGE` and from funding your issuing balance. |
| `issuing.transaction.fund.transfer`       | A fund transfer was processed.                                                                                                                                                                                                                                           |
| `issuing.transaction.validation`          | Verifies the validity of the card and confirms that the cardholder information is correct and the card is active. Usually performed alongside the authorization flow.                                                                                                    |
| `issuing.transaction.atm.deposit`         | A cash deposit to the account through an ATM. UQPAY does not support this transaction type, but the event is still recorded.                                                                                                                                             |
| `issuing.transaction.chargeback.credit`   | A chargeback credit was processed.                                                                                                                                                                                                                                       |
| `issuing.transaction.chargeback.debit`    | A chargeback debit was processed.                                                                                                                                                                                                                                        |

## Identifying ATM Transactions

<Accordion title="How to identify ATM withdrawals and balance inquiries">
  Both arrive as `issuing.transaction.authorization` events.

  **ATM withdrawal**

  `merchant_data[].category_code = 6011` (MCC 6011 — Automated Cash Disbursement).

  **ATM balance inquiry**

  `merchant_data[].category_code = 6011` **and** `billing_amount = "0"`.
</Accordion>


## OpenAPI

````yaml webhooks-issuing.yaml webhook transaction
openapi: 3.1.0
info:
  title: Issuing Webhooks
  version: 1.6.0
  description: |
    Webhook events for the Card Issuance product. UQPAY sends these events to
    your registered webhook endpoint as HTTP POST requests with a JSON body.

    All events share a common envelope (`event_id`, `event_name`, `event_type`,
    `source_id`, `version`) and carry event-specific data in the `data` field.
servers: []
security: []
paths: {}

````