Every card purchase appears on the card Transactions page, where you can filter, open a transaction for its full details and see how spend is settling.
Open card transactions
Go to Cards, then Transactions. Each row shows the merchant, the card it was paid with, the transaction date, the status, the account and the amount. Deposits to and withdrawals from the card account also appear here as Deposit and Withdraw rows.
If card proposals are waiting on you, a Pending Cards proposal banner appears on the Cards page with a Review button.
Transaction statuses
Pending: the purchase is authorized and held against your balance, but has not settled yet. Most purchases settle the next business day (T+1). Some merchants (restaurants, bars, hotels, fuel and car rental) hold up to around 20% more than the purchase amount to cover a tip or incidental; the unused part is released when the purchase settles.
Completed: the purchase has settled.
Declined: the purchase was not approved, so the card was not charged. See Why was my card declined?.
Reversed: the authorization was released or returned, for example when a merchant does not complete the charge. The amount returns to your balance.
Refunded: the merchant returned funds for a settled purchase. The amount is credited back to your card account.
Filter transactions
Use the filters at the top of the page to narrow the list by Date, Card, Cardholder or Status. You can also search by card name.
Open a transaction
Select any transaction to see its details:
The card used.
The local amount in the merchant's own currency, when it differs from USD.
The category and the merchant category code (MCC).
The date the purchase was authorized.
The date the purchase was posted, once it settles.
A reference for the transaction.
Note: Cards spend in USD. Purchases made in another currency carry a flat 1% foreign exchange fee, passed through from the card-issuing partner. USD purchases have no foreign exchange fee.
Receipts
Every card transaction expects a receipt. Cardholders email receipts to your company's receipt address and each one is matched to the right transaction – the receipt status shows on the transaction. Cardholders: see Email your receipts. Admins: see Set up and review card receipts.
Your card account balance
Your card account balance lives on the Cards page, shown as your Spendable balance. Select the info icon next to it to see the breakdown:
Spendable: what your cards can spend right now.
On hold: funds held by pending authorizations that haven't settled yet. This can be higher than the purchases themselves, because some merchants hold a little extra for tips or incidentals until the charge settles.
Collateral: your full card account balance (Spendable plus On hold).
That's why your Spendable balance can be lower than your Collateral until pending transactions settle or reverse. To move money in or out, see Add and withdraw card funds.