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

> ## Agent Instructions
> When building application code, use `@naturalpay/sdk` for TypeScript or `naturalpay` for Python.
> When operating Natural directly for a user, use the payments MCP at `https://mcp.natural.com`.
> When searching Natural documentation, use the docs MCP at `https://docs.natural.com/mcp`.
> Use the Natural CLI for terminal and CI automation.
> Use REST only for unsupported languages or when the user explicitly requests raw HTTP.
> Start integration development and testing in the sandbox. Do not use production unless the user explicitly requests it.
> For sandbox requests that require `customerPartyId`, list customers first. Reuse only the intended fixture; otherwise create a customer.
> REST and SDK amounts use integer minor units. Payments MCP amounts use decimal strings with a required currency code.

# Overview

> The single ledger of every money movement on your account

A transaction (`txn_*`) is one money movement recorded from your party's point of view. Every [Payment](/guides/concepts/payments), [Transfer](/guides/concepts/transfers), [Refund](/guides/concepts/refunds), and [chargeback](#chargebacks) debit that touches your party produces one, so the transaction list is the single feed to reconcile against. Transactions are read-only: you create payments, transfers, and refunds. Read them with [`GET /transactions`](/api-reference/transactions/list-transactions); see [Track a payment](/guides/payments/track-payment).

## Reading a transaction

Each transaction says what kind of movement it was (`transactionType`), which `direction` the money went relative to you (`INBOUND` or `OUTBOUND`), and which payment, transfer, or card payment produced it. Movements that settle asynchronously, like ACH deposits, carry a projected funds-available time in `expectedAvailableAt`.

`relationships.sourceParty` identifies the party money leaves, not the party whose credentials
initiated the request. For a payment made on a customer's behalf it is the customer. An external
deposit has no Natural source party, so `sourceParty.data` is `null` and `destinationParty` is the
customer. Read `direction` with both party relationships. The agent that initiated the movement is
never the source of funds.

## Customer card activity

Your transaction history includes card payments and refunds initiated for a connected customer
by your users, API credentials, or agents. The recorded customer relationship determines which
activity is visible. Disconnecting a customer does not erase that history, but your current read
permissions still apply. Historical visibility does not grant permission to refund a payment or
access the customer's live payment links.

The dashboard's Connect customer view includes this activity. Your Accept tab remains scoped to
your own merchant activity. The public `delegated=true` transaction filter remains agent-only.

## Internal transfers

A transfer between two of your own wallets is one movement with two legs. It appears once in the party-wide list; filter by `walletId` to see that wallet's leg.

## Chargebacks

When a card payment you received is charged back, Natural debits the disputed amount from your wallet and records an `OUTBOUND` transaction with `transactionType` `chargeback`. `relationships.chargeback` links the [chargeback](/guides/concepts/chargebacks) case, and `relationships.cardPayment` links the disputed payment when you have `card_payments.read`. The `amount` is the disputed amount only. It does not include a chargeback fee.

A chargeback transaction is `COMPLETED` once the amount is debited. It becomes `RETURNED` if the amount is released back to your wallet, as when you win the case.

Chargeback transactions require `chargebacks.read`. Without it, the list leaves them out, `type=chargeback` returns an empty page, and getting one by ID returns `404`.


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