Transactions
Transactions are the foundation of Payment Center. Every payment creates a transaction record.
Understanding Transactions
What Is a Transaction
A transaction records a payment event and includes:
- Amount and currency
- Customer information
- Payment method
- Date and time
- Transaction type
- Source
- Status
Transaction Types
Payment Center supports these transaction types:
| Type | What it does | Key behaviors |
|---|---|---|
| Sale | Captures funds immediately | Most common type; automatically settles in one to two business days; can be refunded or voided before settlement |
| Authorization (Authorize Only) | Places a temporary hold on funds | Must be captured manually; typically expires after approximately seven days; best used when shipping later, the final amount might change, or for pre-orders and reservations |
| Refund | Returns funds to the customer | Can be full or partial; available only after settlement; typically appears on the card in five to ten business days |
| Void | Cancels a transaction before settlement | No funds move; faster than a refund; must be done while the transaction is pending |
Transaction Sources
Transactions can originate from these sources:
| Source | Description |
|---|---|
| Online | Website or direct checkout |
| Invoice | Payment from invoice |
| Recurring | Subscription payments |
| Link | Pay by Link payments |
Transaction Statuses
Payment Center uses these transaction statuses:
| Status | Description |
|---|---|
| Success | Payment processed successfully |
| Pending | Waiting for settlement |
| Declined | Issuer rejected payment |
| Error | Technical processing failure |
| Held for Review | Requires fraud review |
| Review Complete | Previously held transaction reviewed and action chosen |
| Void | Cancelled before settlement |
Transaction Lifecycle
Each transaction type follows this lifecycle:
| Type | Flow |
|---|---|
| Sale | Initiated → Success → Pending → Settled |
| Authorization | Authorized → Pending Capture → Captured → Settled |
| Fraud Review | Initiated → Held for Review → Accepted or Rejected → Review Complete |
Transactions List
The Transactions list provides a comprehensive view of all payment activity and key metrics.
Transaction Metrics
At the top of the Transactions page you see your total sales, transaction count, and refunds total.
Alerts
Alerts highlight transactions held for review because of potential fraud, and authorizations pending capture.
Search and Filter Capabilities
You can search by customer name, date, transaction ID, amount, or card last four digits. Filters include date range, source, type, and status. Filters can be combined for more precise results.
Transaction Details View
Selecting a transaction shows payment information, customer details, billing and shipping addresses, transaction history, an itemized breakdown (if applicable), and possible actions for that transaction.
Take Payments
The Payment Center allows you to process both quick payments and itemized sales. You can access the payment form by going to Payment Center > Transactions and clicking or tapping Take a Payment.
After a successful payment, you see the transaction ID, amount charged, date and time, and options to send an email receipt, take a new payment, or view transaction details. The transaction is created immediately in the system, the customer receives confirmation if an email address was provided, funds queue for settlement to your account, and the transaction appears in the Transactions list for tracking and management.
Take Quick Payments
Quick payments are best for simple, one-time charges without detailed line items.
Open Transactions
Choose Payment Center > Transactions.
Start a payment
Click or tap Take a Payment.
Choose quick payment
Choose Quick payment (non-itemized).
Enter the amount
Choose currency and amount.
Add a description (optional)
Enter a description for the transaction.
Authorize only (optional)
Check the Authorize only box to run as an Authorization transaction.
Add customer information (optional)
Add customer information.
Enter card and billing address
Enter card details and billing address.
Add shipping address (optional)
Enter shipping address.
Enter sales tax rate (optional)
Enter the sales tax rate.
Charge the card
Click or tap Charge.
Result: After a successful payment, the system displays the transaction ID, amount charged, date and time, and options to send an email receipt, take a new payment, or view transaction details. The transaction is created immediately, the customer receives confirmation if an email was provided, and funds queue for settlement.
Take Itemized Sales
Itemized sales are best for detailed billing with multiple products or services.
Open Transactions
Choose Payment Center > Transactions.
Start a payment
Click or tap Take a Payment.
Switch to itemized
Switch to Itemized sale.
Add a description (optional)
Enter a description for the transaction.
Authorize only (optional)
Check the Authorize only box to run as an Authorization transaction.
Add line items
Add up to 30 line items, including item name, unit price, and quantity.
Apply per-item taxes and discounts (optional)
Apply taxes and discounts for each item as needed.
Add freight or duty (optional)
Add freight or duty.
Add customer information (optional)
Add customer information.
Enter card and billing address
Enter card details and billing address.
Add shipping address (optional)
Enter shipping address.
Enter sales tax rate (optional)
Enter the sales tax rate.
Charge the card
Click or tap Charge.
Result: The transaction is created immediately with all line item details. The system displays the transaction ID, amount charged, date and time, and options to send an email receipt, take a new payment, or view transaction details.
Refund Transactions
Refunds require settled transactions and cannot exceed the original transaction amount.
Open Transactions
Choose Payment Center > Transactions.
Choose the settled transaction
Locate and choose the settled transaction to refund.
Start the refund
Click or tap Refund in the transaction details.
Choose the amount
Choose full or partial refund amount.
Confirm
Confirm the refund.
Result: The refund is processed and funds typically appear on the customer's card in five to ten business days.
Void Transactions
Use voids when cancellation happens immediately, before settlement. Voids release funds faster than refunds and prevent settlement. After settlement, issue a refund instead.
Open Transactions
Choose Payment Center > Transactions.
Choose the pending transaction
Locate and choose the pending transaction to void.
Start the void
Click or tap Void in the transaction details.
Confirm
Confirm the void.
Result: The transaction is voided and no funds are transferred.
Capture Authorizations
Authorizations place a hold on funds but do not capture them immediately. You must capture the authorization to collect the funds.
Open Transactions
Choose Payment Center > Transactions.
Filter by Authorization
Filter by Type: Authorization.
Choose the authorization
Choose the authorization to open transaction details.
Capture the funds
Click or tap Capture.
Confirm the amount
Confirm the capture amount.
Result: The authorization is captured and funds are transferred during settlement.
Handle Transactions Held for Review
When fraud detection flags a transaction, review the details and decide whether to accept or reject it. Prompt review improves customer experience and reduces abandonment.
Open Transactions
Choose Payment Center > Transactions.
Locate held transactions
Locate transactions with status Held for Review.
Open the transaction
Choose the transaction to review details and risk indicators.
Review the details
Review the transaction details, customer information, and risk indicators.
Choose an action
Choose an action:
| If you want to … | Then … |
|---|---|
| Process the payment | Choose Accept. |
| Cancel the payment | Choose Reject. |
Confirm
Confirm your decision.
Result: The transaction shows the status of Review Complete.
Send Transaction Receipts
You can send an email receipt for a transaction. Verify the customer email address before sending receipts.
Open Transactions
Choose Payment Center > Transactions.
Choose the transaction
Choose the transaction for which you want to send a receipt.
Verify the email address
Verify the customer email address in the transaction details.
Send the receipt
Click or tap Send Receipt.
Result: The receipt is sent to the customer's email address.
Transaction Management Best Practices
Follow these best practices to effectively manage your transactions and maintain healthy payment operations.
Recommended Review Schedule
Use this schedule to review and manage your transactions regularly:
| Frequency | Actions |
|---|---|
| Daily | Review held transactions; capture pending authorizations |
| Weekly | Monitor refunds; review declines and sources |
| Monthly | Reconcile transactions; analyze trends and fraud patterns |
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Last published: September 29, 2026