Card transaction statuses

The status flow for card transactions.

Status flow

Account balances

There's a close link between transaction statuses and account balances. Refer to explanations of types of account balances in the accounts section.

Card transaction status	Explanation
Pending	Card payments initiated with an authorization granted. The payments aren't debited from the account yet, but they impact the account's Pending balance. Next steps: When funds are received, the status for the debit transaction changes to Booked and the status for the authorization transaction changes to Released. Pending card transactions can also be Rejected.
Booked	Completed card payments that are displayed on the official account statement. These card payments have been debited from the account, and they impact the account's Booked balance.
Released	Card authorizations are released for specific reasons. Most of the time, the funds are captured when the merchant requests the actual debit. Authorizations might also be released by the merchant, and they can expire. When an authorization is released without a debit (clearing), the account's available balance increases by the amount of the authorization.
Rejected	Declined or refused card payments. For example, you, Swan, Mastercard rejected authorization for the payment, or the account's Available balance isn't sufficient to complete the card payment without resulting in a negative balance.