# Tracking Payments

The **Payments** section gives you full visibility into all payments processed across your projects. From here, you can monitor statuses, review detailed transaction data, issue refunds, and inspect renewal attempts.

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## **Payments Overview**

Navigate to your proect in **Zotlo** **Dashboard → Payments** to view all transactions in one unified list.\
The payments table includes key details such as:

* Transaction amount & currency
* Payment method
* Status
* Timestamp
* Subscriber information
* Linked subscription (if applicable)

## **Payment Details**

Click any transaction in the list to open its **Payment Details** page.\
This view provides a complete breakdown:

### **Transaction Summary**

* Payment ID
* Status
* Amount & currency
* Settlement amount (MoR model)
* Payment date
* Linked subscription (if applicable)

### **Payment Method Details**

* Card network & last four digits
* Issuer country (when available)
* Wallet method (Apple Pay / Google Pay / PayPal)
* PSP metadata for merchants using their own PSP

### **Customer Details**

* Subscriber ID
* Email or phone
* Country
* Billing details (MoR model only)

### **Product Cart**

Shows the exact plan or one-time item purchased, including quantity information.

### **Actions**

At the top of the page you can:

* **Issue a refund** (full or partial)
* **Download invoice** (MoR model)

## **Failed Payments**

For failed transactions, Zotlo displays:

* Error code from the payment provider
* Human-readable explanation
* Retry suggestions when applicable

Typical decline examples:

* `INSUFFICIENT_FUNDS`
* `EXPIRED_CARD`
* `SCA_REQUIRED`
* `DO_NOT_HONOR`

If the transaction is part of a subscription renewal, Zotlo automatically enters **dunning mode** and continues retry logic.

{% hint style="info" %}
You can track details of payments via [payments API endpoint](https://docs.zotlo.com/integrating-zotlo/api-reference/payments-endpoints/get-payment-details) and also export transactions via [export API endpoints](https://docs.zotlo.com/integrating-zotlo/api-reference/export-endpoints/payment-transactions-export).
{% endhint %}

## **Invoices (MoR Only)**

For merchants using Zotlo as **Merchant of Record**:

* Every successful charge automatically generates an invoice
* Invoices follow regional tax rules
* The download link is available on each transaction page
* Refunds automatically update the invoice with a credit note

## **What You Can Do**

* Track all charges and renewals
* Identify failed payments quickly
* Download invoices for accounting
* Review decline reasons and customer info
* Initiate refunds
* Inspect PSP transaction logs (PSP mode)