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

# How card payments show up

> Understand how Lemma charges virtual cards from your lockbox and how the resulting transactions appear.

<Note>Reach out to Lemma to get card acquiring enabled.</Note>

Payers increasingly reimburse clinics by virtual card instead of check or ACH — a single-use card number printed on the remittance advice that you're expected to key into a terminal yourself. Lemma does that for you: we detect the card in your [lockbox](/guides/lockbox) mail, charge it, and deposit the money into your account as itemized transactions.

## How a card payment happens

<Steps>
  <Step title="The payer mails a virtual card">
    A payer sends an explanation of benefits with a virtual card on it, or a
    standalone virtual card, to your lockbox address.
  </Step>

  <Step title="Lemma detects the card">
    We scan and classify every piece of lockbox mail. When a document carries a
    virtual card, we extract the card details and the amount to charge.
  </Step>

  <Step title="Lemma runs the card">
    We charge the card on your behalf. Nothing is required from you — there's no
    terminal to key the number into and no portal to log into.
  </Step>

  <Step title="The money lands in your account">
    Once the payment settles, the funds are deposited into your account and the
    payment appears on your [Transactions
    page](https://app.getlemma.com/_/transactions).
  </Step>
</Steps>

## Tracking a card payment

Each card payment carries a status you can follow from the mail item in your [lockbox](/guides/lockbox):

| Status         | What it means                                                                         |
| -------------- | ------------------------------------------------------------------------------------- |
| **Processing** | The card has been charged and the payment is settling.                                |
| **Deposited**  | The funds have landed in your account.                                                |
| **Failed**     | The card was declined and no money moved.                                             |
| **Refunded**   | The payment was refunded back to the payer.                                           |
| **Chargeback** | The payer disputed the charge. See [Chargebacks](/guides/card-acquiring/chargebacks). |
| **Canceled**   | The charge was canceled before it went through.                                       |

## Payments and fees are separate transactions

Every card payment produces two transactions:

* **The card payment**, as an **Acquiring** transaction — the gross amount charged to the card.
* **The processing fee**, as a **Fee** transaction — what it cost to process that payment.

Splitting them is deliberate. A typical processor sends one lump-sum ACH every day or two and leaves your billing team to work out which payments and which fees it covers. Because Lemma is also your bank, we drop a labeled line item straight into the account for every economic event instead — so the reconciliation is already done when you open the page.

Refunds and chargebacks follow the same rule: each gets its own transaction, and each carries its own fee.

<Tip>
  On the [Transactions page](https://app.getlemma.com/_/transactions), filter by
  the **Acquiring** type to see the payments you collected and by the **Fee**
  type to see what they cost. Combined with a date range, that makes month-end
  reconciliation of card revenue against processing fees straightforward.
</Tip>

## Next steps

* Learn how disputes work in [Chargebacks](/guides/card-acquiring/chargebacks).
* See how card payments arrive in [Lockbox](/guides/lockbox).
* Review the full list of [transaction types](/guides/transactions#transaction-types).