Spending Records

II. Core Spending Information

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.

Merchant Information

Field	Description
Spending Amount	Item amount in the merchant’s local currency
MCC	Merchant Category Code
Other	Merchant name / merchant city / merchant country, etc.

Member Information

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

Spending Details

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

Crypto Deducted for Spending This section shows the list of cryptocurrencies deducted for this spending.

Fee-sharing Earned from Spending This section shows the fee-sharing earned from this spending.

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.

I. Feature Overview