> For the complete documentation index, see [llms.txt](https://docs.linora.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.linora.finance/cards-and-usage/balance-and-payments.md).

# Balance & Payments

<figure><img src="/files/9HovjAHOcfqt1yiWRQ5I" alt=""><figcaption></figcaption></figure>

Each Linora card is linked to a dedicated balance, allowing users to make payments without manual conversions or additional steps.

Users fund their Linora balance using supported funding methods. The available balance is updated in real time and displayed clearly inside the dashboard, giving full visibility into available funds and spending activity.

***

### How Payments Work

When a card payment is made, Linora automatically handles the payment flow in the background, ensuring a smooth and familiar card experience.

The payment process works as follows:

#### Payment initiation

A card payment is initiated by the user during an online purchase or subscription checkout.

#### Balance verification

The system checks whether the card’s available balance is sufficient to cover the transaction amount.

#### Payment processing

The required amount is processed instantly to complete the payment.

#### Merchant settlement

The merchant receives the payment as a standard card transaction, with no additional steps required.

#### Balance update

The card balance is updated immediately after the transaction is completed.

This entire process happens within seconds and feels identical to paying with a traditional payment card.

***

### Supported Payment Scenarios

Linora cards can be used for:

* Online purchases
* Subscriptions and recurring charges
* Digital services and SaaS platforms
* Advertising and online tools

As long as sufficient balance is available, payments are processed seamlessly without any pre-exchange or manual preparation.

***

### Transaction Visibility

All card transactions are recorded with clear and transparent details, allowing users to easily track and manage their spending.

Each transaction includes:

| Detail      | Description                     |
| ----------- | ------------------------------- |
| Date & time | When the transaction occurred   |
| Merchant    | Where the payment was made      |
| Amount      | Purchase amount                 |
| Status      | Completed, pending, or declined |

This provides users with full control and insight into their payment activity directly from the Linora dashboard.


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