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This section covers the day-to-day transaction operations of a live card program. For the concepts behind it, including the authorization-to-settlement flow and how transactions land on the ledger, see Transaction Lifecycle.

Decide and settle

Authorization

How Rain decides an authorization, with the Rain-Managed and Partner-Managed variants.

Authorizing Transactions

Make real-time authorization decisions over a webhook in a Partner-Managed program.

Settlement

How settled funds move in each management model.

Handling Overcapture

Handle merchants that capture more than the authorized amount.

Monitor and report

Webhooks

Receive transaction events as they happen instead of polling.

Viewing Transactions

Query transactions through the API and the Dashboard.

Reporting Field Descriptions

What each field in the transaction reports means.

User Balance

Read a user’s credit limit, pending and posted charges, and spending power.