I. Feature Overview
Transaction behavioral data generated when all members complete payments using the platform-issued payment cards.
It includes various statuses across the full transaction lifecycle (authorization, settlement, refund, etc.), helping merchants fully understand members’ spending behavior.
Basic Information
| Field | Description |
|---|
| Transaction Type | Purchase / Reversal / Refund / ATM Withdrawal |
| Transaction Time | Transaction initiation time (UTC+8) |
| Transaction Status | Authorization / Success / Failed |
| Transaction ID | Unique platform transaction identifier |
| Refund Order ID | If the spending is linked to a refund, this shows the corresponding refund order ID |
Please note: some refund transactions cannot be linked to the original transaction.
| Field | Description |
|---|
| Spending Amount | Item amount in the merchant’s local currency |
| MCC | Merchant Category Code |
| Other | Merchant name / merchant city / merchant country, etc. |
| Field | Description |
|---|
| Member ID | Unique identifier of the member |
| Member Email | Registered email of the member |
| Card Number | Last 4 digits of the card number, and card ID |
| Field | Description |
|---|
| Item Amount | Amount in local currency and USD at the time of purchase |
| Exchange Rate | Exchange rate between USD and the local currency |
| Transaction Fee | Fee charged for this transaction |
| FX Fee | If the spending currency differs from the card currency, an FX fee will be charged |
| Micro-transaction Fee | If the spending amount is below a certain threshold, an extra fee will be charged |
| Chargeback Fee | If chargebacks exceed a certain ratio, a chargeback fee will be charged |
| Refund Order Linked | If the transaction can be linked to a refund order, it will show Yes |
| Apple Pay Fee | Additional fee for spending via Apple Pay |
| Total Actual Spend | Item amount + all fees |
- If users’ spending failure rate is too high, a chargeback fee will be deducted for every transaction (including failed transactions).
- If the fee-sharing amount is negative, it indicates there is a fee subsidy.
