> ## Documentation Index > Fetch the complete documentation index at: https://developer.meow.com/llms.txt > Use this file to discover all available pages before exploring further. # Update Card Transaction Memo > Sets or removes your memo on a card transaction, such as what the purchase was for. The memo replaces any memo already on the transaction, and it counts toward a memo requirement in your card spend policy. On some cards related entries, such as a clearing and its refund, share one memo, so it changes on all of them. Send `null` to remove it. You can safely retry with the same memo. ## OpenAPI ````yaml PUT /cards/transactions/{transaction_id}/memo openapi: 3.1.0 info: title: Meow API description: > ## Overview The Meow API provides financial services and billing capabilities for your business. ### Core Features - **Financial data access**: access account information, transactions, balances, and payment networks. - **Crypto operations**: create and manage crypto contacts, and initiate USDC transfers across blockchain networks. - **Bill pay**: draft bills payable to your vendors and track them through payment. ### Bill Pay API The Bill Pay API lets you create bills for your vendors and track them through payment: - **Bill drafting**: create bills as drafts. Nothing is paid until someone approves the bill in the Meow dashboard. - **Attachments**: upload invoices and supporting documents to a bill. - **Bulk loads**: send an `Idempotency-Key` with every create so a retry never duplicates a bill. Drafting is capped at 500 bills per rolling 24 hours per creator — your entity key, or the user a user-scoped key acts as. Creates past the cap return `429 Too Many Requests`. ### Billing API The Billing API lets you create and manage invoices and collect payments: - **Product management**: create and manage products with custom pricing. - **Customer management**: maintain invoicing customers with their addresses. - **Invoice creation**: generate invoices with line items, discounts, and custom notes. - **Payment options**: accept payments via ACH, wire, international wire, card, and USDC. - **Collection accounts**: configure accounts for payment collection. ### Getting Started Authenticate by sending your API key in the `x-api-key` request header. To scope requests to a specific entity, include the `x-entity-id` header. Use the `/api-keys/accessible-entities` endpoint to list all entities accessible by your API key. ### Rate Limits Each API key has a limit on requests per minute. The `RateLimit-Policy` header on every response shows your key's limit. The limit counts your requests in each clock minute, so you can spend the whole minute at once, and the count starts over when the minute ends. Responses carry the `RateLimit-Policy` and `RateLimit` headers. They show your limit, the requests you have left, and the seconds until the current minute ends. Meow is rolling out enforcement of this limit. Until it is enforced, going over the limit is logged, not rejected. Once it is, a request over the limit returns `429 Too Many Requests` with a `Retry-After` header, the headers above, and a body with `error_code` set to `rate_limited` and a `message`. A separate, coarser safeguard protects the API from abusive traffic and can also reject requests with `429`. Its response carries `Retry-After` and the same body, but not the quota headers. Whichever sends it, wait at least `Retry-After` seconds and add a small random delay. If the retry is limited again, back off exponentially. Send an `Idempotency-Key` when you retry a request that creates something or moves money. ### Error Responses Errors return JSON with `code`, `message`, and `debug_message`. The `code` aligns with FDX where possible; use `debug_message` for troubleshooting only. Common error codes: - `500`: Internal server error - `501`: Subsystem unavailable - `503`: Scheduled maintenance - `601`: Data not found - `602`: Customer not authorized - `701`: Account not found - `703`: Invalid input (including invalid date ranges) - `704`: Account type not supported - `705`: Account is closed - `801`: Transaction not found contact: name: Meow url: https://meow.com/ email: support@meow.com version: 1.0.0 license: name: Proprietary url: https://www.meow.com/terms-of-service servers: - url: https://api.meow.com/v1 description: Meow API Production - url: https://api.sandbox.meow.com/v1 description: Meow API Sandbox - url: https://api.dev.meow.com/v1 description: Meow API Development security: - apiKeyAuth: [] tags: - name: API Keys description: Retrieve metadata about API keys and their accessible entities. - name: Accounts description: Access and manage accounts. - name: Approvals - name: Balances description: Retrieve account balances and available funds. - name: Bill Pay - name: Bills description: View and manage bills for vendor payments. - name: Cards description: Manage virtual and physical cards, and view transactions and insights. - name: Collection Accounts description: Manage accounts for payment collection. - name: Contacts description: Manage contacts for crypto and USDC transfers. - name: Customers description: Manage invoicing customers and their details. - name: Entities - name: Feature Access description: >- Request access to restricted features, such as international payments, and track the status of your requests. - name: Invoices description: Create and manage invoices. - name: Limits - name: Line Items description: Manage invoice line items. - name: Partner Onboarding description: Onboard entities using your partner API key. - name: Partner Webhooks - name: Payment Methods description: View available payment method types. - name: Payment Networks description: Manage payment networks and routing information. - name: Products description: Manage products and pricing for invoicing. - name: Reimbursements description: View reimbursement requests by employee. - name: Routing Numbers description: Validate routing numbers and retrieve bank information. - name: Security Policies - name: Simulations description: >- Trigger simulated events (inbound transfers, card authorizations, application approval) to test integrations end-to-end without real money movement. **Not available in production**: these endpoints exist only in sandbox and development environments and return `404 Not Found` in production. - name: Tax Forms description: Retrieve IRS tax forms (1099 family) issued for accounts. - name: Transactions description: Retrieve account transaction history and details. - name: Transfers description: >- Initiate ACH, wire, book, and crypto transfers, and retrieve transfer details. - name: Users description: View active users for your entity. - name: Webhooks description: Manage webhook subscriptions and inspect delivery history. - name: Wire Drawdowns description: >- Review vendor requests to draw funds by wire, and pre-authorize trusted vendors. paths: /cards/transactions/{transaction_id}/memo: put: tags: - Cards summary: Update Card Transaction Memo description: >- Sets or removes your memo on a card transaction, such as what the purchase was for. The memo replaces any memo already on the transaction, and it counts toward a memo requirement in your card spend policy. On some cards related entries, such as a clearing and its refund, share one memo, so it changes on all of them. Send `null` to remove it. You can safely retry with the same memo. operationId: >- update_card_transaction_memo_cards_transactions__transaction_id__memo_put parameters: - name: transaction_id in: path required: true schema: type: string format: uuid description: The transaction's identifier. title: Transaction Id description: The transaction's identifier. - $ref: '#/components/parameters/EntityIdHeader' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/UpdateCardTransactionMemoRequest' responses: '200': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/CardTransactionResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/ForbiddenAdminKycRequired' '429': $ref: '#/components/responses/RateLimited' security: - apiKeyAuth: - cards:write components: parameters: EntityIdHeader: name: x-entity-id in: header required: false schema: type: string format: uuid description: Optional `entity_id` to scope requests to a specific entity. schemas: UpdateCardTransactionMemoRequest: properties: memo: anyOf: - type: string maxLength: 140 minLength: 1 - type: 'null' title: Memo description: >- The memo to save, up to 140 characters. It replaces the current memo. Send null to remove it. examples: - Team lunch with the Catnip Coffee Co buyers type: object required: - memo title: UpdateCardTransactionMemoRequest CardTransactionResponse: properties: id: type: string format: uuid title: Id description: >- Meow's identifier for this entry. It is stable, but it identifies one step rather than the whole purchase, so an authorization and its later clearing have different ids. card_id: type: string format: uuid title: Card Id description: The card this was made on. card_last_four: type: string title: Card Last Four description: Last 4 digits of that card. examples: - '4242' type: $ref: '#/components/schemas/CardTransactionType' description: Which step of the lifecycle this is. status: $ref: '#/components/schemas/CardTransactionStatus' description: >- State of this step. `pending` and `approved` mean money is held but not moved; `cleared` means it moved; `reversed` and `failed` mean it did not. `expired` means the hold lapsed, which does not always rule out a later clearing. description: type: string title: Description description: Merchant descriptor as it was sent. examples: - WHISKER ROASTERS PORTLAND OR amount: type: string pattern: ^(?!^[-+.]*$)[+-]?0*\d*\.?\d*$ title: Amount description: >- Amount billed to the card, in the card's currency. Always positive, including on a refund or reversal, where `type` is what tells you the money came back. An authorization and its clearing carry the same amount, so summing both double-counts the purchase. examples: - '48.20' currency: $ref: '#/components/schemas/Iso4217Code' description: >- The currency `amount` is in. Usually the card's currency, but a declined foreign-currency purchase is never priced, so `amount` and `currency` then match the merchant's. examples: - USD merchant_amount: type: string pattern: ^(?!^[-+.]*$)[+-]?0*\d*\.?\d*$ title: Merchant Amount description: >- Amount in the currency the merchant charged in, always positive. Differs from `amount` on a foreign-currency purchase that was priced; divide the two to get the rate applied. They are equal, and the rate undefined, when `currency` equals `merchant_currency`. examples: - '44.15' merchant_currency: $ref: '#/components/schemas/Iso4217Code' description: The currency the merchant charged in. examples: - EUR merchant: anyOf: - $ref: '#/components/schemas/CardTransactionMerchant' - type: 'null' description: The merchant, when Meow could identify it. category: anyOf: - $ref: '#/components/schemas/CardTransactionCategory' - type: 'null' description: Spend category, when known. memo: anyOf: - type: string - type: 'null' title: Memo description: >- Your memo for this transaction, such as what the purchase was for. Null when it has none. On some cards related entries, such as a clearing and its refund, share one memo. examples: - Team lunch with the Catnip Coffee Co buyers trace_id: anyOf: - type: string - type: 'null' title: Trace Id description: >- Identifier for the purchase this entry belongs to. Entries sharing one are the same purchase, so filter List Card Transactions by it to tie an authorization to its later clearing or refund. It is the same trace_id the rest of Meow shows for this transaction. Absent on an entry the network gave no identifier for, which then stands alone. examples: - card_24692111234567890123456 decline_reason: anyOf: - type: string - type: 'null' title: Decline Reason description: Why this was declined, when it was. authorized_at: $ref: '#/components/schemas/Timestamp' description: When the purchase was made, as reported by the network. created_at: $ref: '#/components/schemas/Timestamp' description: When Meow recorded this step. updated_at: anyOf: - $ref: '#/components/schemas/Timestamp' - type: 'null' description: When Meow last updated this step. type: object required: - id - card_id - card_last_four - type - status - description - amount - currency - merchant_amount - merchant_currency - authorized_at - created_at title: CardTransactionResponse description: >- A single movement in a card transaction's life. A purchase produces several of these: an `authorization` when the merchant places the hold, then a `clearing` when the money actually moves, and a `refund` or `reversal` if it comes back. Entries sharing a `trace_id` are the same purchase. Do not add up every entry. An `authorization` and the `clearing` that follows it are the same money: the hold, then the settlement that replaces it. Every amount is positive, and `type` carries the direction, so to total what was actually spent take the `clearing` entries minus the `refund` and `reversal` entries, and read `authorization` as money held but not yet taken. Whether a state is final depends on the issuer, so do not infer it from `status` alone: an expired authorization can still be captured late on some networks. Treat `cleared`, `reversed` and `failed` as settled and re-read anything else. CardTransactionType: type: string enum: - authorization - clearing - refund - reversal - original_credit title: CardTransactionType x-enum-varnames: - authorization - clearing - refund - reversal - original_credit CardTransactionStatus: type: string enum: - pending - approved - cleared - reversed - failed - expired title: CardTransactionStatus x-enum-varnames: - pending - approved - cleared - reversed - failed - expired Iso4217Code: type: string enum: - AED - AFN - ALL - AMD - ANG - AOA - ARS - AUD - AWG - AZN - BAM - BBD - BDT - BGN - BHD - BIF - BMD - BND - BOB - BOV - BRL - BSD - BTN - BWP - BYN - BZD - CAD - CDF - CHE - CHF - CHW - CLF - CLP - CNY - COP - COU - CRC - CUC - CUP - CVE - CZK - DJF - DKK - DOP - DZD - EGP - ERN - ETB - EUR - FJD - FKP - GBP - GEL - GHS - GIP - GMD - GNF - GTQ - GYD - HKD - HNL - HRK - HTG - HUF - IDR - ILS - INR - IQD - IRR - ISK - JMD - JOD - JPY - KES - KGS - KHR - KMF - KPW - KRW - KWD - KYD - KZT - LAK - LBP - LKR - LRD - LSL - LYD - MAD - MDL - MGA - MKD - MMK - MNT - MOP - MRU - MUR - MVR - MWK - MXN - MXV - MYR - MZN - NAD - NGN - NIO - NOK - NPR - NZD - OMR - PAB - PEN - PGK - PHP - PKR - PLN - PYG - QAR - RON - RSD - RUB - RWF - SAR - SBD - SCR - SDG - SLE - SEK - SGD - SHP - SLL - SOS - SRD - SSP - STN - SVC - SYP - SZL - THB - TJS - TMT - TND - TOP - TRY - TTD - TWD - TZS - UAH - UGX - USD - USN - UYI - UYU - UYW - UZS - VED - VES - VND - VUV - WST - XAF - XAG - XAU - XBA - XBB - XBC - XBD - XCD - XDR - XOF - XPD - XPF - XPT - XSU - XTS - XUA - XXX - YER - ZAR - ZMW - ZWG - ZWL title: Iso4217Code CardTransactionMerchant: properties: name: type: string title: Name description: The merchant's name as Meow resolved it. examples: - Whisker Roasters website: anyOf: - type: string - type: 'null' title: Website description: The merchant's website. examples: - https://whiskerroasters.com type: object required: - name title: CardTransactionMerchant CardTransactionCategory: type: string enum: - Advertising - Airlines - Books and Newspapers - Car Rental - Charity - Clothing - Electronics - Entertainment - Facilities Expenses - Financial Institutions and Fees - Fuel - Furniture - Gifts and Flowers - Government Services - Grocery - Ground Transportation - Insurance - Legal - Lodging - Meals - Medical - Memberships and Dues - Office Supplies - Parking - Personal Care - Political - Professional Services - Recruiting - Rent - Restaurants - Shipping - Software - Taxes - Taxis and Rideshare - Technology Infrastructure - Training and Education - Travel Services - Utilities - Vehicle Expenses title: CardTransactionCategory x-enum-varnames: - advertising - airlines - books_and_newspapers - car_rental - charity - clothing - electronics - entertainment - facilities_expenses - financial_institutions_and_fees - fuel - furniture - gifts_and_flowers - government_services - grocery - ground_transportation - insurance - legal - lodging - meals - medical - memberships_and_dues - office_supplies - parking - personal_care - political - professional_services - recruiting - rent - restaurants - shipping - software - taxes - taxis_and_rideshare - technology_infrastructure - training_and_education - travel_services - utilities - vehicle_expenses Timestamp: type: string format: date-time title: Timestamp description: >- ISO 8601 date-time in the format `YYYY-MM-DDThh:mm:ss.nnn[Z|[+|-]hh:mm]` (per [IETF RFC 3339](https://xml2rfc.tools.ietf.org/public/rfc/html/rfc3339.html#anchor14)). CustomerApiError: oneOf: - $ref: '#/components/schemas/CustomerApiServiceError' - $ref: '#/components/schemas/CustomerApiGatewayError' CustomerApiGatewayError: type: object required: - error_code - message properties: error_code: type: string message: type: string CustomerApiServiceError: type: object required: - code - message - debug_message properties: code: type: integer message: type: string debug_message: type: string responses: BadRequest: description: The request could not be processed. content: application/json: schema: $ref: '#/components/schemas/CustomerApiError' Unauthorized: description: Authentication failed. content: application/json: schema: $ref: '#/components/schemas/CustomerApiGatewayError' ForbiddenAdminKycRequired: description: >- The API key is not authorized for this operation, or the user of a global API key is an admin or controller without approved KYC. The KYC case returns the message `KYC is required for controllers and admins.` until that user completes KYC in the Meow dashboard. content: application/json: schema: $ref: '#/components/schemas/CustomerApiGatewayError' RateLimited: description: Too many requests. headers: Retry-After: schema: type: integer content: application/json: schema: $ref: '#/components/schemas/CustomerApiGatewayError' securitySchemes: apiKeyAuth: type: apiKey in: header name: x-api-key description: Your Meow API key, sent in the `x-api-key` header for authentication. x-scopes: - accounts:read - accounts:write - accounts:payment-networks - accounts:transactions - accounts:balances - accounts:statements - accounts:tax-documents - entity:create - transfers:crypto:write - transfers:usdc:write - transfers:ach:write - transfers:wire:write - transfers:book:write - transfers:international:write - contacts:read - contacts:write - billing:products:read - billing:products:write - billing:customers:read - billing:customers:write - billing:invoices:read - billing:invoices:write - billing:accounts:read - billpay:read - billpay:write - onboarding:read - onboarding:write - cards:read - cards:write - reimbursements:read - users:read - users:write - webhooks:read - webhooks:write - partner:onboarding:read - partner:onboarding:write - partner:webhooks:read - partner:webhooks:write - simulations:write - banking:limits:read - banking:limits:write - feature-access:read - feature-access:write ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.