Transactions - PointZero Developers Hub

Every authorization, refund and cash withdrawal on a card creates a transaction. Use transactions to show spending in your app, reconcile settlements and find out why a payment was declined.

List transactions

curl "https://api.pointzero.io/v1/transactions?card_id=card_01JZ8N2K4M&status=settled&created_gte=2026-10-01T00:00:00Z" \
  -H "Authorization: Bearer $POINTZERO_API_KEY"

Results are returned newest first and are paginated.

Filter	Description
`card_id`	Transactions of one card.
`customer_id`	Transactions across all cards of a customer.
`status`	`authorized`, `declined`, `reversed` or `settled`.
`currency`	Card currency, for example `EUR`.
`created_gte` / `created_lt`	Time range, as ISO 8601 timestamps.

The transaction object

{
  "id": "txn_01JZ8P7H2R",
  "object": "transaction",
  "card_id": "card_01JZ8N2K4M",
  "customer_id": "cus_01JZ8M4X7K",
  "type": "purchase",
  "amount": 1299,
  "currency": "EUR",
  "merchant_amount": 1299,
  "merchant_currency": "EUR",
  "status": "settled",
  "decline_reason": null,
  "merchant": {
    "name": "ACME STORE",
    "mcc": "5411",
    "city": "Valencia",
    "country": "ES"
  },
  "channel": "in_store",
  "created_at": "2026-10-05T10:15:00Z",
  "settled_at": "2026-10-06T02:00:00Z"
}

type is purchase, refund or cash_withdrawal. channel is online, in_store, contactless or atm. For payments in a foreign currency, merchant_amount and merchant_currency hold the original amount. See Amounts and currencies.

Statuses

Status	Meaning
`authorized`	Approved and waiting for settlement.
`declined`	Rejected. `decline_reason` explains why.
`reversed`	The authorization was cancelled before settlement.
`settled`	Final. `settled_at` is set. Only settled transactions can be disputed.

Decline reasons

`decline_reason`	What to check
`insufficient_funds`	Available balance.
`card_frozen`	The card is `frozen`. Unfreeze it.
`spending_limit_exceeded`	Card spending limits.
`authorization_control`	Merchant, country or channel rules.
`incorrect_pin`	The PIN entered was wrong. See PIN.
`suspected_fraud`	Declined by fraud screening.
`other`	Any other reason. Contact support with the transaction ID.