# Card Transactions Use the *Cards* endpoints to see information about cards.\ Note that {user.BrandName} also provides a service that gives you real-time information about the transactions taking place on a card, via the [External Host Interface (EHI)](external-host-interface-ehi). # Card Balance {user.BrandName} can maintain the available balance on a card on your behalf or you can maintain it. If {user.BrandName} maintains the balance, we provide an endpoint where you can view the balance. To determine who maintains the card balance, see the *External Host Interface (EHI) Guide*. > 📘 Note > > {user.BrandName} does not hold or process any of the actual funds that relate to transactions on the card and is not involved in the clearing and settlement process, where actual funds are exchanged; you will need to manage this via your card issuer. {/*- ## Who maintains the card balance? This depends on your External Host Interface (EHI) mode. See the table below. [block:parameters] { "data": { "h-0": "Mode", "h-1": "Description", "0-0": "1", "1-0": "2", "2-0": "3", "3-0": "4", "4-0": "5", "0-1": "Your systems maintain the balance and perform authorisation.", "1-1": "<> maintains the balance and performs authorisation. You can override an approval decision.\nIn Approval with Load your systems maintain the balance and can update the <>-maintained balance.", "2-1": "<> maintains the balance and performs authorisation. You receive a read-only response.", "3-1": "Your systems maintain the balance and perform authorisation. <> provides Stand-In authorisation if the external host is unavailable.", "4-1": "Your systems maintain the balance and perform authorisation. <> provides Stand-In authorisation if the external host is unavailable.\nClearing transactions, such as presentments, do not update the <> stand-in balance." }, "cols": 2, "rows": 5 } [/block] */} For further details about EHI modes, see the [External Host Interface (EHI)](external-host-interface-ehi) section. ## Updating the card balance You can use the Load / Unload card & adjust balance endpoint to update the card balance maintained on the {user.BrandName} system. See [Loading, Unloading and Balance Adjustments](doc:loading-unloading-a-card). This is required to reflect transactions that are processed outside of the card scheme network (such as where a customer uploads funds to their account to top up their account or transfers funds out of their account).