> ## Documentation Index
> Fetch the complete documentation index at: https://docs-payment-merchant.keysecure.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Spending Records

## 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.

## 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 |

<Warning>
  Please note: some refund transactions cannot be linked to the original transaction.
</Warning>

**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.

<Tip>
  1. If users’ spending failure rate is too high, a chargeback fee will be deducted for every transaction (including failed transactions).
  2. If the fee-sharing amount is negative, it indicates there is a fee subsidy.
</Tip>