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Fires once, after approved (or after expired with replay_attempted: true) for the same authorization, when Agentcard’s read of the payment reaches its final answer and that answer is not settled. Read settlement.status and settlement.reason; settlement.message says the same thing in a sentence. status: "not_settled" means the processor holds no successful payment for this request and will not: the intent was canceled (processor_canceled), the confirm the device sent was refused (confirm_failed, with the processor’s code in processor_error_code), or no confirm ever reached the processor (not_confirmed). Nothing was charged; a retry is a new purchase. status: "unknown" with final: true means Agentcard stopped checking without a definite answer. The reason names what was seen last: the processor was still waiting on a step in the shopper’s browser, a captcha or a bank challenge (awaiting_customer_action); the payment was still processing (processor_processing); the merchant had not captured an authorization (awaiting_merchant_capture); or the processor could not be read (processor_unreachable, processor_refused_read, processor_reply_malformed). Confirm with the merchant. Agentcard never fills this gap with a receipt.