# Wallet transactions

Learn how wallet transactions provide insight into funds that move in and out of an account’s wallet.

For each transfer, a corresponding transaction is created representing how that initial source impacted a wallet. This granularity enables you to:

- **Reconcile** a wallet’s balance on any given day
- **Create** itemized reports leveraging transaction types (fees earned and paid, payouts, refunds, etc)
- **Monitor** your wallet activity to stay informed on the latest transactions

Each transaction is paired with a detailed memo that provides more context about the transaction. For additional insight into how the transaction was created, you can provide the source ID to grab details. The source ID is used to link back to a transfer, dispute, or card issuing transaction.

You can retrieve the `sourceID` using the wallet transaction `GET` [endpoint](/api/sources/wallets/get-transaction/).

## [Pending transactions](#pending-transactions)

A `pending` transaction will only apply to credits, or incoming funds. Any funds in a pending state will not affect the wallet balance, or be available for use until that transaction is completed. If a `pending` transaction results in a failure, we’ll simply omit it from the transaction list.

Use the wallet `GET` [endpoint](/api/sources/wallets/get/) to check a wallet's available balance or access a failed transaction's details.

## [Completed transactions](#completed-transactions)

The available balance at the time of transaction is included on each `completed` wallet transaction. Once a transaction moves to `completed`, the `completedOn` timestamp will be populated along with the `availableBalance`.

## [Wallet transaction types](#wallet-transaction-types)

The [list wallet transactions](/api/sources/wallets/list-transactions/) and [retrieve a wallet transaction](/api/sources/wallets/get-transaction/) endpoints will display the `transactionType` in the response. We categorize wallet transactions by the following distinct types:

### [ACH](#ach)

| Type         | Description                                                                                 | Source   | Memo                                                  |
|--------------|---------------------------------------------------------------------------------------------|----------|-------------------------------------------------------|
| payment      | An ACH payment from a bank to the account’s wallet                                          | transfer | ACH payment from {displayName}                        |
| top-up       | Transfer of funds into a wallet from the account’s bank                                     | transfer | Top up from {bankAccountType} {lastFourAccountNumber} |
| payout       | A payment from a wallet to another accounts bank                                            | transfer | ACH payment to {displayName}                          |
| cash-out     | Transfer of funds out of a wallet to the account’s bank                                     | transfer | Cash out to {bankAccountType} {lastFourAccountNumber} |
| ach-reversal | When an ach payment is returned, funds are either returned or taken from the wallet balance | transfer | Returned ACH credit/debit                             |

### [Card acquiring](#card-acquiring)

| Type             | Description                                                                       | Source   | Memo                            |
|------------------|-----------------------------------------------------------------------------------|----------|---------------------------------|
| card-payment     | A payment that was made from a card                                               | transfer | Card payment from {displayName} |
| refund           | The requested refund amount is debited from the wallet                            | transfer | Refund to {displayName}         |
| refund-failure   | To account for refund failures, a credit will be made back into the wallet        | transfer | Failed refund to {displayName}  |
| dispute          | When a customer disputes a charge, the disputed amount is debited from the wallet | dispute  | Cardholder dispute              |
| dispute-reversal | If a dispute is won, funds will be credited back to their wallet                  | dispute  | Cardholder dispute reversed     |

### [RTP](#rtp)

| Type        | Description                                             | Source   | Memo                                                      |
|-------------|---------------------------------------------------------|----------|-----------------------------------------------------------|
| payout      | A payment from a wallet to another accounts bank        | transfer | Card payout to {displayName}                              |
| cash-out    | Transfer of funds out of a wallet to the account’s bank | transfer | RTP cash out to {bankAccountType} {lastFourAccountNumber} |
| rtp-failure | The receiving bank has rejected the transfer            | transfer | Failed RTP payment {failureCode}                          |

### [Push to card](#push-to-card)

| Type          | Description                                                                      | Source   | Memo                                          |
|---------------|----------------------------------------------------------------------------------|----------|-----------------------------------------------|
| payout        | A payment from a wallet to another accounts bank                                 | transfer | Card payout to {displayName}                  |
| cash-out      | Transfer of funds out of a wallet to the account’s bank                          | transfer | Card cash out to {brand} {lastFourCardNumber} |
| card-decline  | The authorization has failed                                                     | transfer | Declined card payout {reason}                 |
| card-reversal | The authorization has been reversed, cancelling the transfer and returning funds | transfer | Card payment reversed                         |

### [Pull from card](#pull-from-card)

| Type             | Description                                                                        | Source   | Memo                                             |
|------------------|------------------------------------------------------------------------------------|----------|--------------------------------------------------|
| account-funding  | Debit or prepaid card transfer to an external account owned by the cardholder      | transfer | Account funding from {displayName}               |
| top-up           | Transfer of funds into a wallet from the account’s bank                            | transfer | Wallet funding from {brand} {lastFourCardNumber} |
| refund           | When a refund is initiated, the requested refund amount is debited from the wallet | transfer | Refund to {displayName}                          |
| refund-failure   | To account for refund failures, a credit will be made back into the wallet         | transfer | Failed refund to {displayName}                   |
| dispute          | When a customer disputes a charge, the disputed amount is debited from the wallet  | dispute  | Cardholder dispute                               |
| dispute-reversal | If a dispute is won, funds will be credited back to their wallet                   | dispute  | Cardholder dispute reversed                      |

### [Sweeps](#sweeps)

Type Description Source Memo 

auto-sweep Daily transfers to external bank accounts on a set schedule sweep Automatic sweep {bankAccountType} {lastFourAccountNumber},  
Failed sweep {endDate} {reason}

### [Moov wallet](#moov-wallet)

| Type     | Description                                    | Source   | Memo              |
|----------|------------------------------------------------|----------|-------------------|
| moov-fee | Fee charged to your account for card transfers | transfer | Fee for {feeName} |

### [Wallet to wallet](#wallet-to-wallet)

| Type            | Description                          | Source   | Memo                                  |
|-----------------|--------------------------------------|----------|---------------------------------------|
| wallet-transfer | Funds that move between Moov wallets | transfer | Wallet transfer to/from {displayName} |

### [Fees](#fees)

| Type            | Description                                    | Source   | Memo                      |
|-----------------|------------------------------------------------|----------|---------------------------|
| facilitator-fee | Fee earned on a transfer                       | transfer | Facilitator fee collected |
| moov-fee        | Fee charged to your account for card transfers | transfer | Fee for {feeName}         |

### [Issuing\*](#issuing)

Type Description Source Memo 

issuing-transaction Reflects funds moving out of the wallet from a cleared authorization, a refund, or a force post issuing-transaction Payment {Merchant Name},  
Refund {Merchant Name},  
Credit {Merchant Name},  
Payment {Merchant Name} 

issuing-auth-release Held funds are released back to the wallet due to an authorization reversal, expiration, or when the authorization is cleared issuing-authorization Authorization release {Merchant Name} 

issuing-auth-hold Funds are reserved on the wallet balance due to an approved authorization issuing-authorization Authorization hold {Merchant Name}

\*Card issuing is currently in a closed beta. [Contact Moov](https://moov.io/contact/) for more information.

## [Webhooks](#webhooks)

You can subscribe to the `walletTransaction.updated` [webhook](/guides/webhooks/webhook-events/#wallet-transactions) event to get real-time updates on pending or completed transactions. Below is an example of an event for a completed transaction:

```jsx
{
  "eventID": "14980a04-2e32-4921-a771-4959a36534a6",
  "type": "walletTranscation.updated", 
  "data": {
    "accountID": "51015d0d-8dca-49a0-ba70-abfed073f785",
    "walletID": "51015d0d-8dca-49a0-ba70-abfed073f785",
		"transactionID": "51015d0d-8dca-49a0-ba70-abfed073f785",
    "status": "completed",
    },
  },
  "createdOn": "2021-09-02T13:57:50.762679289Z"
}
```

## [View transactions via API](#view-transactions-via-api)

Provide the `accountID` and `walletID` path parameters to the following endpoints to view wallet transactions for an account. Retrieving a specific wallet transaction additionally requires the `transactionID`.

- [Retrieve a wallet transaction](/api/sources/wallets/get-transaction/) - Gets a specific wallet transaction
- [List wallet transactions](/api/sources/wallets/list-transactions/) - Lists all transactions associated with a wallet

An account ID (also referred to as `X-Account-ID`) can be found in the Dashboard by navigating to **Settings > Business details**. Your account ID will be listed at the top of the **Business details** section and you can copy it to your clipboard.

Navigate to the **Wallet** section of the Dashboard and click the menu option in the wallet summary section. You'll be able to copy the wallet ID to your clipboard. You can also retrieve a wallet ID by providing `accountID` to the list payment methods `GET` [endpoint](/api/sources/payment-methods/list/).

A transaction ID can be found by navigating to **Wallet** in the Dashboard and clicking on a transaction to open the details. In the details modal, the transaction ID can be copied to your clipboard. You can also retrieve a transaction ID by passing `accountID` and `walletID` to the list transactions `GET` [endpoint](/api/sources/wallets/list-transactions/).

You can achieve a faster response by restricting the data with the optional start and end date time parameters.

## [Adjustments](#adjustments)

There are one-off scenarios where Moov may make an immediate adjustment to a wallet’s balance. Some examples include partial chargebacks, fee adjustments, or corrections from transaction processing. You’ll receive a `walletTransaction.updated` webhook notification once the adjustment is made. More details about the adjustment can be found in the wallet transaction memo and the source type will link to the `adjustmentID`.

To retrieve a specific wallet adjustment or list all adjustments for a specific wallet, you can use the endpoints listed below. You'll need to pass the `walletID` to each endpoint, and to retrieve a specific adjustment, you'll also need to pass the `adjustmentID`.

- [Retrieve a wallet adjustment](/api/sources/wallets/get-adjustment/) - Gets a specific wallet adjustment
- [List wallet adjustments](/api/sources/wallets/list-adjustments/) - Lists all adjustments associated with a wallet

## [View transactions via Dashboard](#view-transactions-via-dashboard)

Navigate to **Wallet** in the Dashboard to view transactions. See the [Dashboard wallet](/guides/dashboard/wallet/) guide for information.