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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. Repeated failed reads can produce this result. Missing payment information or an unrecognized processor status can also prevent confirmation. Confirm with the merchant before starting another purchase. The following pending reasons keep final: false, even after one hour: Agentcard continues checking while the processor returns a pending answer. A pending answer alone does not emit this event. Repeated failed reads can still stop those checks without confirming the payment.