> For the complete documentation index, see [llms.txt](https://docs.pay.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.pay.io/transaction-management/merchant-transactions.md).

# Merchant Transactions

The **Merchant Transactions** page is the record of every operator-initiated movement of funds across your wallets — deposits into your **Hot Wallet**, transfers, and payouts from your **Treasury Wallet**, automatic sweeps between the two, and asset swaps. Where the [**User Transactions**](/transaction-management/user-transactions.md) page captures *player* activity, Merchant Transactions captures *your* activity as the operator.

This is the ledger your finance and operations teams will return to most often.

{% hint style="info" %}
**Looking for player-initiated deposits and payouts?** See User Transactions. Merchant Transactions only lists movements you or an automated sweep initiated.
{% endhint %}

#### Why Use It?

* **A complete operator-side ledger** — every funding top-up, transfer, external withdrawal, sweep, and swap in one place.
* **End-to-end reconciliation** — pair Merchant Transactions with [User Transactions](/transaction-management/user-transactions.md) to account for every movement in and out of your wallets.
* **Treasury oversight** — audit how much has been swept to Treasury and when, and trace the origin of every Treasury movement.
* **Reporting-ready** — export the full ledger to CSV for finance, compliance, or audit review.

#### Accessing the Page

From the left-hand navigation, go to **Transaction Management → Merchant Transactions**.

#### Understanding the Transaction Table

Each row represents a single wallet movement you or the platform initiated on your behalf. The table lists the following columns:

| Column               | Description                                                                                                                                                                |
| -------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Transaction ID**   | Unique identifier for the wallet movement within Pay.io. Use this when raising support tickets.                                                                            |
| **Process time**     | Date and time (UTC) the transaction was processed by the Payment Gateway.                                                                                                  |
| **Wallet**           | The address of the wallet involved in the movement — your Hot Wallet receiving address, your Treasury Wallet address, or the external address for an outbound transaction. |
| **Type**             | The kind of movement. See [Transaction Types](#transaction-types) below.                                                                                                   |
| **Asset**            | The cryptocurrency or stablecoin involved, with its network.                                                                                                               |
| **Amount**           | The value transacted, expressed in the selected asset.                                                                                                                     |
| **USD**              | The equivalent value in USD at the time of processing.                                                                                                                     |
| **Status**           | **New**, **Processing**, **Confirmed**, or **Failed**. See Statuses below.                                                                                                 |
| **Transaction Hash** | The on-chain transaction hash. Use this to look the transaction up on the relevant block explorer.                                                                         |
| **Detail**           | Click the eye icon to open the full Transaction Details panel.                                                                                                             |

#### **Transaction Types**

Merchant Transactions groups movements into six distinct types, which map directly to the operational actions available across the Merchant Console.

| Type                        | What It Represents                                                         | Typical Source                                                                                                                                                                  |
| --------------------------- | -------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Hot Wallet Deposit**      | An incoming transfer into your Hot Wallet.                                 | Manually depositing funds from an external wallet or exchange. See [Making a Deposit](/assets/making-a-deposit.md).                                                             |
| **Hot Wallet Payout**       | An outgoing transfer from your Hot Wallet, *excluding* player withdrawals. | Manual transfers from Hot Wallet to Treasury Wallet. See [Transfer From Hot Wallet to Treasury Wallet](/assets/treasury-wallet/transfer-from-hot-wallet-to-treasury-wallet.md). |
| **Treasury Wallet Deposit** | An incoming transfer into your Treasury Wallet.                            | External deposits to Treasury. See [Depositing to Your Treasury Wallet](/assets/treasury-wallet/deposit-to-treasury-wallet.md).                                                 |
| **Treasury Wallet Payout**  | An outgoing transfer from your Treasury Wallet.                            | Transfers to Hot Wallet or withdrawals to an external address. See [Withdrawing From Your Treasury Wallet](/assets/treasury-wallet/withdraw-from-treasury-wallet.md).           |
| **Sweep**                   | An automatic transfer from your Hot Wallet to your Treasury Wallet.        | Triggered when your Hot Wallet balance exceeds the sweep threshold. See [Setting up Sweeps and Alerts](/assets/setting-up-sweeps-and-alerts.md).                                |
| **Swap Deposit**            | A conversion of one asset into another from your Hot Wallet.               | Manual swaps initiated via the Swap widget. See [Swapping Assets](/assets/swapping-assets.md).                                                                                  |
| **Swap Payout**             | A conversion of one asset into another from your Hot Wallet.               | Manual swaps initiated via the Swap widget. See [Swapping Assets](/assets/swapping-assets.md).                                                                                  |

{% hint style="info" %}
**Player withdrawals do not appear on this page.**\
They are player-initiated and live in the [User Transactions](/transaction-management/user-transactions.md) ledger. Merchant Transactions only shows movements initiated by you, your team, or the automated sweep engine.
{% endhint %}

**Statuses**

<table><thead><tr><th width="162.62841796875">Status</th><th>Meaning</th></tr></thead><tbody><tr><td><strong>New</strong></td><td>The transaction has been created, but has not yet been dispatched to the Payment Gateway. Usually, a transient state.</td></tr><tr><td><strong>Processing</strong></td><td>The transaction has been broadcast and is awaiting the required network confirmations.</td></tr><tr><td><strong>Confirmed</strong></td><td>The transaction has reached the required confirmations and has settled on-chain. No further action required.</td></tr><tr><td><strong>Failed</strong></td><td>The transaction did not complete. Open the details panel to see the failure reason.</td></tr></tbody></table>

{% hint style="info" %}
**Swap transactions follow their own status flow:** Getting Confirmations → Exchanging → Sending → Completed, with Failed, On Hold, and Refunded as exception states. See [Swapping Assets](/assets/swapping-assets.md) for what each status means.
{% endhint %}

**Filtering and Searching**

The filter bar at the top of the table lets you narrow the view:

* **Timeframe** — today, yesterday, this week, this month, this year, all time, or a custom date range.
* **Type** — filter to a single transaction type (e.g. show only Sweeps, only Swaps, or only Treasury Wallet Payouts).
* **Asset** — a specific cryptocurrency or stablecoin.
* **Status** — New, Processing, Confirmed, or Failed.
* **Search** — look up by transaction ID, wallet address, or transaction hash.
* **Clear All** — resets every filter to its default.

{% hint style="info" %}
**Want a quick view of every sweep over the past month?**\
Set **Type: Sweep** and **Timeframe: This month**. This is the fastest way to audit automatic sweep activity before a Treasury reconciliation.
{% endhint %}

#### Viewing Transaction Details

Click the **eye icon** in the Detail column of any row to open the Transaction Details panel. The panel contains the complete record for the movement, including fields that are not displayed in the table view.

The details panel displays:

* **Wallet Address** — the wallet involved in the movement.
* **Asset** — the cryptocurrency or stablecoin, with its network.
* **Type** — Deposit, Payout, Sweep, or Swap, scoped to the relevant wallet.
* **Request time** — the date and time the transaction was initiated.
* **Amount** — the value transacted, expressed in the selected asset.
* **Status** — the current state (New, Processing, Confirmed, or Failed).
* **Transaction Hash** — the on-chain hash, copyable for use in a block explorer.
* **Transaction ID** — the Pay.io identifier, copyable for support tickets.

For **Failed** transactions, the details panel additionally displays the failure reason at the bottom of the record.

For **Swap** transactions, the details panel additionally displays the swap pair, input and output amounts, the exchange rate at execution, the network and platform fees, and both transaction hashes — outbound (your Hot Wallet to the exchange) and inbound (the exchange back to your Hot Wallet).

{% hint style="info" %}
For payouts from the Treasury Wallet, the details panel also records which team member authorised the transfer using their passkey.
{% endhint %}

#### Exporting Transactions

To export the current view to CSV for reconciliation, reporting, or audit purposes:

1. Apply any filters you wish to include in the export.
2. Click **Download CSV** in the top right-hand corner of the table.

The exported file contains every column displayed in the table, plus a **Failure Reason** column populated for any failed rows. Only transactions matching your active filters will be included.

{% hint style="info" %}
For a complete picture of a reconciliation period, export **User Transactions** and **Merchant Transactions** for the same date range. Together they account for every inbound and outbound movement across your wallets.
{% endhint %}

#### Things to Bear in Mind

* **Merchant Transactions is read-only.** You cannot edit, cancel, or retry a transaction from this view. Retries for failed movements are initiated from the originating page — for example, a failed sweep is resolved by reviewing its root cause in Hot Wallet configuration.
* **Sweeps appear automatically.** You do not need to do anything for sweep activity to be recorded — it is logged as soon as the sweep engine triggers.
* **Treasury Wallet payouts require passkey authentication before appearing here.** A transaction will not progress past **New** until the passkey holder has signed. See Transfer From Treasury Wallet to Hot Wallet.
* **Status updates are near real-time**, but may lag slightly behind on-chain state during periods of high network congestion.
* **Viewers** can read this page and export CSVs but cannot initiate any of the underlying transactions. See Team Management — Roles and Permissions for the full matrix.

**What's Next?**

* [**User Transactions** ](/transaction-management/user-transactions.md)for the corresponding record of player-initiated deposits and payouts.
* [**Swapping Assets**](/assets/swapping-assets.md) to convert one asset into another directly from your Hot Wallet.
* [**Setting up Sweeps and Alerts**](/assets/setting-up-sweeps-and-alerts.md) to configure the automated sweeps that populate this ledger.
* [**Transfer From Hot Wallet to Treasury Wallet**](/assets/treasury-wallet/transfer-from-hot-wallet-to-treasury-wallet.md) to initiate manual Hot-to-Treasury transfers.
* [**Withdrawing From Your Treasury Wallet**](/assets/treasury-wallet/withdraw-from-treasury-wallet.md) to send Treasury funds to an external wallet or exchange.
* [**Managing Notifications**](/account-settings/managing-notifications.md) to enable alerts for sweeps, wallet deposits, and transfers.


---

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