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Nobody approved within 15 minutes. replay_attempted: true means a device passed the pre-replay check and may have sent the card without reporting back. On such a row Agentcard reads the payment back from the processor where it can (a Stripe PaymentIntent confirm) and settlement carries the answer: check_pending here, then one settled or settlement_unconfirmed event. With replay_attempted: false the card never left the device and settlement is null.