> ## Documentation Index
> Fetch the complete documentation index at: https://docs.qash.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Cards FAQ

> Common questions about card states, transactions, and balance movement.

Use this guide to answer common questions about how QASH cards behave in production.

## Card states

QASH cards support three operational states.

| State      | Description                                                | Reversible |
| ---------- | ---------------------------------------------------------- | ---------- |
| `active`   | Card is fully operational                                  | —          |
| `locked`   | Card is temporarily frozen. No transactions are authorized | Yes        |
| `canceled` | Card is permanently closed                                 | No         |

<Note>
  You can switch between `active` and `locked` as many times as needed. Cancellation is permanent and cannot be reversed.
</Note>

## Card transactions

Card transaction payloads include the following fields.

| Field                  | Description                                       |
| ---------------------- | ------------------------------------------------- |
| `amount`               | Charged amount                                    |
| `currency`             | Transaction currency                              |
| `localAmount`          | Amount in local currency, when applicable         |
| `localCurrency`        | Local currency code                               |
| `merchantName`         | Merchant name                                     |
| `merchantCategory`     | Merchant category                                 |
| `merchantCategoryCode` | Merchant category code, also known as MCC         |
| `status`               | `pending`, `completed`, `reversed`, or `declined` |
| `declinedReason`       | Reason for decline, when applicable               |
| `authorizedAt`         | Authorization timestamp in ISO 8601 format        |
| `postedAt`             | Settlement timestamp in ISO 8601 format           |
| `cardType`             | `virtual` or `physical`                           |

## Funding and withdrawals

The card draws from the user's QASH USDC balance — there is no separate card-funding step or card-specific wallet to manage.

### Bank to card

Fund the user's QASH balance with [Deposit funds](/api-reference/account-management/deposit). Once the deposit is confirmed, the balance is available for card spending.

### Card balance to bank account

Withdraw funds from the user's QASH balance to a bank account with [Payout](/api-reference/financials/payout), through a supported provider such as `irisbank`, `cobre`, or `borderless`.

## Ledger and settlement model

<Info>
  Card balances are backed by tokens held in smart contracts on Polygon and reconciled in real time with the QASH ledger.
</Info>