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Transactions

Transactions represent financial movements on your FYATU account - from card issuances and funding to card purchases and refunds.

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Transaction Types

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Business Wallet Transactions

Transactions on your main business account:
TypeDirectionDescription
DEPOSITCreditUSDT deposit converted to USD
CARD_ISSUANCEDebitCard creation (amount + fees)
CARD_FUNDINGDebitAdding funds to a card
CARD_UNLOADCreditFunds returned from card
CARD_TERMINATEDCreditBalance from deleted card
REFUNDCreditTransaction reversal

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Card Transactions

Transactions on individual cards:
TypeDescription
purchasePayment at merchant
authorizationHold on funds (not yet completed)
reversalCancelled/refunded transaction
fundingFunds added to card
withdrawalFunds removed from card

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Transaction Statuses

StatusDescription
PENDINGTransaction is being processed
COMPLETEDTransaction finished successfully
FAILEDTransaction was rejected

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Viewing Transactions

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Business Wallet Transactions

GET /api/v2/account/transactions?page=1&perPage=50
Response
{
  "status": "success",
  "data": {
    "transactions": [
      {
        "transactionId": "txn_abc123",
        "reference": "REF_001",
        "amount": 100.00,
        "currency": "USD",
        "charge": 2.50,
        "status": "COMPLETED",
        "type": "DEBIT",
        "description": "Card Funding - **** 1234",
        "balanceBefore": 1000.00,
        "balanceAfter": 897.50,
        "createdAt": "2024-12-24T10:30:00Z"
      }
    ],
    "pagination": {
      "totalItems": 156,
      "totalPages": 4,
      "currentPage": 1,
      "itemsPerPage": 50
    }
  }
}

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Card Transactions

GET /api/v2/cards/{cardId}/transactions?page=1
Response
{
  "status": "success",
  "data": [
    {
      "type": "debit",
      "amount": 29.99,
      "description": "NETFLIX *STREAMING",
      "status": "completed",
      "merchant": "NETFLIX.COM",
      "currency": "USD",
      "date": "2024-12-24T15:45:00Z"
    },
    {
      "type": "credit",
      "amount": 50.00,
      "description": "Card Funding",
      "status": "completed",
      "merchant": "FYATU",
      "currency": "USD",
      "date": "2024-12-24T10:30:00Z"
    }
  ]
}

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Transaction Webhooks

Receive real-time notifications for card transactions:
card.transaction Webhook
{
  "event": "card.transaction",
  "data": {
    "cardId": "card_xyz789",
    "transactionId": "txn_def456",
    "transactionType": "purchase",
    "merchantName": "AMAZON *M5K2L9P3",
    "merchantCountry": "US",
    "amount": "49.99",
    "currency": "USD",
    "description": "Approved or completed successfully",
    "date": "2024-12-24T16:20:00Z"
  }
}
Set up webhooks to receive instant transaction notifications instead of polling the API.

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Understanding Fees

Fees are deducted from your business wallet:
OperationFee TypeTiming
Card IssuanceFixed + PercentageAt creation
Card FundingPercentageAt funding
Card UnloadFixedAt withdrawal
Monthly MaintenanceFixedMonthly
Check your subscription plan for exact fee amounts. Higher plans typically have lower fees.

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Best Practices

Compare API transactions with your internal records to catch discrepancies early.
Don’t poll the API constantly. Set up webhooks for immediate transaction notifications.
Authorizations may remain pending before completion. Don’t treat them as final until status is COMPLETED.
Watch for unusual transaction patterns: rapid small transactions, foreign merchants, or declined attempts.

Account Transactions

View business wallet transactions

Card Transactions

View specific card transactions

Webhook Events

Transaction webhook payloads