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

# Card transactions

> Sent on each card transaction update (created, completed, updated, refunded).

**Event type:** `card.transaction.created` · `.completed` · `.updated` · `.refunded`

Sent on each card transaction update. The `type` suffix reflects the action: `card.transaction.created`, `.completed`, `.updated`, or `.refunded`. See [Webhooks overview](/api-reference/webhooks/overview) for delivery, headers, and signature verification.

<Note>
  `card.transaction.refunded` replaces the deprecated `card.transaction.refund`. During the migration, both refund names are delivered in parallel — `card.transaction.refunded` (new) and `card.transaction.refund` (legacy). `card.transaction.refund` is deprecated and will be removed on **15 November 2026**; switch to `card.transaction.refunded` before then.
</Note>

### `data` fields

<ResponseField name="eventId" type="string">Stable identifier for this transaction event. For refunds, the **same value** is sent on the legacy `card.transaction.refund` during the transition — use it to deduplicate the two names.</ResponseField>
<ResponseField name="customerId" type="string">The customer identifier.</ResponseField>
<ResponseField name="cardId" type="string">The card identifier.</ResponseField>
<ResponseField name="providerCardId" type="string">The card identifier at the issuing partner.</ResponseField>
<ResponseField name="transactionId" type="string">The transaction identifier at the issuing partner (field name `rainTransactionId`).</ResponseField>
<ResponseField name="action" type="string">The transaction action that triggered the event.</ResponseField>
<ResponseField name="transactionType" type="string">Transaction type (e.g. `spend`, `payment`, `collateral`).</ResponseField>
<ResponseField name="status" type="string">Transaction status: `pending`, `approved`, `declined`, `reversed`, or `settled`.</ResponseField>
<ResponseField name="isRefund" type="boolean">Whether the transaction is a refund.</ResponseField>
<ResponseField name="amount" type="number">Transaction amount in the card currency.</ResponseField>
<ResponseField name="currency" type="string">Card currency.</ResponseField>
<ResponseField name="localAmount" type="number">Amount in the local currency (minor units).</ResponseField>
<ResponseField name="localCurrency" type="string">Local currency.</ResponseField>
<ResponseField name="merchantName" type="string">Merchant name. Other merchant fields (`merchantId`, `merchantCategory`, `merchantCategoryCode`, and enriched variants) are also included.</ResponseField>
<ResponseField name="authorizedAt" type="string | null">ISO 8601 authorization timestamp.</ResponseField>
<ResponseField name="postedAt" type="string | null">ISO 8601 posting timestamp.</ResponseField>
<ResponseField name="lastEventAt" type="string">ISO 8601 timestamp of the latest transaction event.</ResponseField>

<ResponseExample>
  ```json card.transaction.completed theme={null}
  {
    "type": "card.transaction.completed",
    "timestamp": "2026-06-23T12:00:00.000Z",
    "data": {
      "eventId": "card:tx_9f86d081:completed:settled",
      "customerId": "cus_3ddd0e5b-6276-4b48-b756-c1fcc9a2efd1",
      "cardId": "card_abc123",
      "providerCardId": "card_abc123",
      "rainTransactionId": "tx_9f86d081",
      "action": "completed",
      "transactionType": "spend",
      "status": "settled",
      "isRefund": false,
      "amount": 25.5,
      "currency": "USD",
      "localAmount": 102000,
      "localCurrency": "COP",
      "merchantName": "Netflix",
      "merchantCategoryCode": "5968",
      "authorizedAt": "2026-06-23T11:59:50.000Z",
      "postedAt": "2026-06-23T12:00:00.000Z",
      "lastEventAt": "2026-06-23T12:00:00.000Z"
    }
  }
  ```
</ResponseExample>