Monitor financial activity across your platform with visibility into:

• Ledger entries → Account-level balance changes (credits and debits)
• Transaction activity → Card-level events such as funding and spending

This allows you to track:

• Fund movements
• Balance adjustments
• Card usage and spending behavior

Monitoring Lifecycle

The sequence diagram below shows how to monitor ledger and transaction activity.

sequenceDiagram
    participant App as Your application
    participant PCE as PCE
    participant Ledger as Ledger Service
    
    App->>PCE: POST /ledger/list (Debit cards)
    PCE->>Ledger: Query account entries
    Ledger-->>PCE: Credit/debit records
    PCE-->>App: 200 — Ledger entries
    
    App->>PCE: POST /card/{id}/transactionActivity (Prepaid)
    PCE-->>App: 200 — Card transactions

Scenarios

Scenario 1: Retrieve Ledger Entries for Debit Card Activity

Use this scenario to view all credits and debits on an account linked to debit cards, useful for reconciliation and auditing.

Business Context: At month-end, a corporate finance team needs to reconcile card spending with their accounting system. They pull ledger entries for all accounts to match against expense reports. Each ledger entry shows the source (card purchase), amount, timestamp, and running balance — essential data for SOX compliance audits.

Flow

sequenceDiagram
    participant Finance as Finance Team
    participant App as Your application
    participant PCE as PCE
    participant ERP as Accounting (ERP)
    
    Finance->>App: Request monthly reconciliation
    App->>PCE: POST /ledger/list
    Note right of App: Filter by account.id, date range
    PCE->>PCE: Query ledger records
    PCE-->>App: 200 — Ledger entries
    App->>ERP: Export for reconciliation

Example Request

POST /v1/ledger/list

{
  "criteria": {
    "filters": [
      {
        "key": "account.id",
        "operator": "EQ",
        "values": ["88712"]
      },
      {
        "key": "type",
        "operator": "IN",
        "values": ["CREDIT", "DEBIT"]
      },
      {
        "key": "createdOn",
        "operator": "BETWEEN",
        "values": ["2026-06-01", "2026-06-30"]
      }
    ]
  },
  "page": 1,
  "size": 50
}

Example Response

{
  "status": "success",
  "data": [
    {
      "id": "led-001",
      "type": "DEBIT",
      "amount": "125.50",
      "balance": "874.50",
      "description": "Card purchase - Amazon",
      "createdOn": "2026-07-09T10:30:00Z",
      "account": {
        "id": "4011856"
      }
    },
    {
      "id": "led-002",
      "type": "CREDIT",
      "amount": "1000.00",
      "balance": "1000.00",
      "description": "Account funding",
      "createdOn": "2026-07-08T09:00:00Z",
      "account": {
        "id": "4011856"
      }
    }
  ],
  "page": 1,
  "totalPages": 1,
  "totalRecords": 2
}

Scenario 2: Retrieve Transaction Activity for Prepaid Card

Use this scenario to view the complete transaction history for a prepaid card, including loads, unloads, and spending.

Flow

sequenceDiagram
    participant App as Your application
    participant PCE as PCE
    
    App->>PCE: POST /card/{id}/transactionActivity
    PCE->>PCE: Query card transactions
    PCE-->>App: 200 — Transaction history
    Note right of App: Includes loads, holds, settlements

Example Request

POST /v1/customer/id/{customerId}/issuance/card/id/{cardId}/transactionActivity

{
  "page": 1,
  "size": 20
}

Example Response

{
  "status": "success",
  "data": {
    "cardId": "12345",
    "availableBalance": "372.50",
    "transactions": [
      {
        "id": "txn-001",
        "type": "SETTLEMENT",
        "amount": "27.50",
        "merchant": "Starbucks",
        "status": "COMPLETED",
        "createdOn": "2026-07-09T08:15:00Z"
      },
      {
        "id": "txn-002",
        "type": "LOAD",
        "amount": "400.00",
        "description": "Card funding",
        "status": "COMPLETED",
        "createdOn": "2026-07-08T14:00:00Z"
      }
    ]
  }
}

Scenario 3: Filter Ledger by Date Range

Use this scenario to retrieve ledger entries within a specific date range for reporting or reconciliation.

Flow

sequenceDiagram
    participant App as Your application
    participant PCE as PCE
    
    App->>PCE: POST /ledger/list
    Note right of App: Filter by lastUpdatedOn
    PCE-->>App: 200 — Filtered entries

Example Request

POST /v1/ledger/list

{
  "criteria": {
    "filters": [
      {
        "key": "account.id",
        "operator": "EQ",
        "values": ["4011856"]
      },
      {
        "key": "lastUpdatedOn",
        "operator": "GTE",
        "values": ["2026-07-01T00:00:00Z"]
      },
      {
        "key": "lastUpdatedOn",
        "operator": "LTE",
        "values": ["2026-07-31T23:59:59Z"]
      }
    ]
  }
}

What Can You View?

View Ledger Entries (Debit Cards)

Ledger records provide a structured view of all account-level financial entries, including credits and debits resulting from card activity or funding operations.

Retrieve Ledger Entries

Use the POST /v1/ledger/list API to fetch ledger records based on specific criteria.

Supported Filters:

Ledger data is available with a latency of up to 15 minutes.

View Transaction Activity (Prepaid Cards)

Transaction activity provides detailed visibility into how funds are used on Prepaid cards, including both funding and spending events.

Retrieve Transaction Activity

Use the POST /v1/customer/id/{id}/issuance/card/id/{id}/transactionActivity API to fetch transaction history for a specific card.

This data reflects:

• Actual available balance
• Complete transaction history

The transaction activity includes detailed information for the following event types:

• Funding operations: Card load (adding funds) and unload (withdrawing funds) transactions.
• Spending operations: Card activity such as hold, release, and settlements.