Explainers: Card payments

Stripe Refund Status: Track Changes and Trace the Result
Track the exact refund, read later changes and distinguish a reversal from a missing bank credit.

3D Secure: Frictionless vs Challenge
Frictionless and challenge are two 3DS paths. The issuer decides which one checkout must handle.

Card Authorization vs Capture: When Money Moves
Authorization reserves funds; capture starts collection. Here is how to track the gap safely.

Payment Tokenization: Network Tokens and Processor IDs
A processor token and an EMV payment token can protect different parts of the same card transaction.

Where Your Money Goes After You Tap to Pay
The terminal says approved. The merchant may still be waiting for the money.
