Card Transaction Status – Rapidzfaq

Status	Meaning	What to Expect
Authorized / Pending	The merchant requested approval and your bank reserved the amount, but the payment is not fully completed yet.	The money may appear temporarily deducted or “on hold.” Usually settles within a few days.
Completed	The transaction was fully processed and finalized.	The amount is officially charged to your card.
Declined	The payment was rejected.	This can happen for different reasons, such as low balance, wrong card details, card restrictions, fraud checks, merchant issues, or network issues.
Refunded	The merchant returned money to your card.	Refund timing depends on the bank and merchant, often 1–10 business days.
Failed	The payment attempt could not be completed due to technical or processing issues.	This can happen for several reasons, including insufficient funds, incorrect card details, bank security checks, network issues, or merchant processing errors. In some cases, you may briefly see a temporary authorization hold, but it is usually reversed automatically.
Cancelled	The merchant cancelled the transaction before final settlement.	The charge should not be fully processed.