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Use the adjustments endpoints to create and retrieve account adjustments on Marqeta’s credit platform. An account adjustment adjusts the amount of a journal entry or account balance. Creating an adjustment triggers the creation of a journal entry belonging to the ADJUSTMENT group. For more on adjustment journal entries, see Adjustments in the About Credit Account Journal Entries guide.

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Create account adjustment

Action: POST
Endpoint: /credit/accounts/{account_token}/adjustments Create an adjustment for an existing credit account.

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URL path parameters

FieldsDescription
account_token

string

Required		Unique identifier of the credit account for which you want to create an adjustment.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

Existing account token

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Request body

FieldsDescription
token

string

Optional		Unique identifier of the adjustment.

Allowable Values:

36 char max
original_ledger_entry_token

uuid

Optional		Unique identifier of the original journal entry needing the adjustment.

Required when adjusting an existing journal entry.

Allowable Values:

Existing journal entry token
external_adjustment_id

uuid

Optional		Unique identifier you provide of an associated external adjustment that exists outside Marqeta’s credit platform.

Allowable Values:

255 char max
amount

decimal

Required		Amount of the adjustment.

Value must be negative if original_ledger_entry_token is not passed.

Allowable Values:

1000000 max
currency_code

string

Required		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
description

string

Required		Description of the adjustment.

Allowable Values:

1–255 chars
note

string

Optional		Additional information on the adjustment.

Allowable Values:

255 char max
reason

string

Optional		Reason for the adjustment.

- DISPUTE - The adjustment occurred because a dispute was initiated.
- DISPUTE_RESOLUTION - The adjustment occurred because of the result of a dispute resolution.
- RETURNED_OR_CANCELED_PAYMENT - The adjustment occurred because a payment was returned or canceled.
- OTHER - Any other reason the adjustment occurred. For example, a waived fee or account write-off.

Allowable Values:

DISPUTE, DISPUTE_RESOLUTION, RETURNED_OR_CANCELED_PAYMENT, OTHER

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Sample request body

JSON
{
  "original_ledger_entry_token": "2384f927-e4fe-47af-8ff6-0712ee41a2eb",
  "amount": -25,
  "currency_code": "USD",
  "description": "Waived late payment fee"
}

​
Response body

FieldsDescription
token

string

Returned		Unique identifier of the adjustment.

If in the detail_object, unique identifier of the detail object.

Allowable Values:

36 char max
account_token

string

Returned		Unique identifier of the credit account on which the adjustment was made.

Allowable Values:

36 char max

Existing account token
type

string

Returned		Type of adjustment.

The adjustment is made on its correlating amount (for example, purchase adjustments are made on purchase amounts). You can use general adjustments for standalone adjustments made on the credit account balance itself, which includes account write-offs, credits, and more.

Allowable Values:

PURCHASE, FEE, REWARD, INTEREST, GENERAL
original_ledger_entry_token

uuid

Conditionally returned		Unique identifier of the original journal entry needing the adjustment.

Allowable Values:

Existing journal entry token
external_adjustment_id

uuid

Conditionally returned		Unique identifier you provide of an associated external adjustment that exists outside Marqeta’s credit platform.

Allowable Values:

255 char max
detail_token

string

Conditionally returned		Unique identifier of the adjustment detail. For example, the token of the dispute, the interest charge, or the returned payment that prompted the adjustment.

Returned when the system automatically applies an adjustment.

Allowable Values:

36 char max
adjustment_detail_object

object

Conditionally returned		Contains the adjustment’s full details.

The fields returned in this object depend on the adjustment type.

Interest returns interest details. For the specific fields returned, see the detail_object fields marked “Returned for interest journal entries” in the account journal entry response fields.

Disputes return dispute details. For the specific fields returned, see the dispute response fields.

Allowable Values:

Existing adjustment_detail_object
related_detail_token

string

Conditionally returned		Unique identifier of the dispute or returned payment that prompted the interest adjustment.

This field is returned for interest adjustments only.

Allowable Values:

36 char max
related_detail_object

object

Conditionally returned		Contains full details of the related dispute or returned payment.

The fields returned in this object depend on whether a dispute or returned payment led to the interest adjustment. A dispute returns dispute details; a returned payment returns payment details.

For more on the dispute details returned, see the dispute response fields.

For more on the returned payment details returned, see the payment response fields.

This field is returned for interest adjustments only.

Allowable Values:

Existing related_detail_object
amount

decimal

Returned		Amount of the adjustment.

Allowable Values:

Format: 0.00
currency_code

string

Returned		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
description

string

Returned		Description of the adjustment.

Allowable Values:

1 char min
note

string

Conditionally returned		Additional information on the adjustment.

Allowable Values:

255 char max
reason

string

Returned		Reason for the adjustment.

- DISPUTE - The adjustment occurred because a dispute was initiated.
- DISPUTE_RESOLUTION - The adjustment occurred because of the result of a dispute resolution.
- RETURNED_OR_CANCELED_PAYMENT - The adjustment occurred because a payment was returned or canceled.
- OTHER - Any other reason the adjustment occurred. For example, a waived fee.

Allowable Values:

DISPUTE, DISPUTE_RESOLUTION, RETURNED_OR_CANCELED_PAYMENT, OTHER
created_time

datetime

Conditionally returned		Date and time when the account adjustment was applied, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

​
Sample response body

JSON
{
  "token": "my_account_adjustment_token1234",
  "account_token": "my_account_token_12",
  "type": "FEE",
  "original_ledger_entry_token": "a0216141-13d6-e2e2-7227-abcd12345678",
  "external_adjustment_id": null,
  "detail_token": null,
  "adjustment_detail_object": null,
  "related_detail_token": null,
  "related_detail_object": null,
  "amount": -25,
  "currency_code": "USD",
  "description": "Waived late payment fee",
  "note": null,
  "reason": "OTHER",
  "created_time": "2025-04-01T23:41:58.802Z"
}

​
List account adjustments

Action: GET
Endpoint: /credit/accounts/{account_token}/adjustments Retrieve an array of adjustments for a credit account. This endpoint supports pagination.

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URL path parameters

FieldsDescription
account_token

string

Required		Unique identifier of the credit account for which you want to retrieve adjustments.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

Existing account token

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URL query parameters

FieldsDescription
count

integer

Optional		Number of account adjustment resources to retrieve.

Allowable Values:

1–100
start_index

integer

Optional		Sort order index of the first resource in the returned array.

Allowable Values:

0 min

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Response body

FieldsDescription
count

integer

Returned		Number of resources returned.

Allowable Values:

1-10
start_index

integer

Returned		Sort order index of the first resource in the returned array.

Allowable Values:

Any integer
end_index

integer

Returned		Sort order index of the last resource in the returned array.

Allowable Values:

Any integer
is_more

boolean

Returned		A value of true indicates that more unreturned resources exist.

Allowable Values:

true, false
data

array of objects

Returned		Contains one or more account adjustments.

Allowable Values:

One or more account adjustment objects
data[].token

string

Returned		Unique identifier of the adjustment.

If in the detail_object, unique identifier of the detail object.

Allowable Values:

36 char max
data[].account_token

string

Returned		Unique identifier of the credit account on which the adjustment was made.

Allowable Values:

36 char max

Existing account token
data[].type

string

Returned		Type of adjustment.

The adjustment is made on its correlating amount (for example, purchase adjustments are made on purchase amounts). You can use general adjustments for standalone adjustments made on the credit account balance itself, which includes account write-offs, credits, and more.

Allowable Values:

PURCHASE, FEE, REWARD, INTEREST, GENERAL
data[].original_ledger_entry_token

uuid

Conditionally returned		Unique identifier of the original journal entry needing the adjustment.

Allowable Values:

Existing journal entry token
data[].external_adjustment_id

uuid

Conditionally returned		Unique identifier you provide of an associated external adjustment that exists outside Marqeta’s credit platform.

Allowable Values:

255 char max
data[].detail_token

string

Conditionally returned		Unique identifier of the adjustment detail. For example, the token of the dispute, the interest charge, or the returned payment that prompted the adjustment.

Returned when the system automatically applies an adjustment.

Allowable Values:

36 char max
data[].adjustment_detail_object

object

Conditionally returned		Contains the adjustment’s full details.

The fields returned in this object depend on the adjustment type.

Interest returns interest details. For the specific fields returned, see the detail_object fields marked “Returned for interest journal entries” in the account journal entry response fields.

Disputes return dispute details. For the specific fields returned, see the dispute response fields.

Allowable Values:

Existing adjustment_detail_object
data[].related_detail_token

string

Conditionally returned		Unique identifier of the dispute or returned payment that prompted the interest adjustment.

This field is returned for interest adjustments only.

Allowable Values:

36 char max
data[].related_detail_object

object

Conditionally returned		Contains full details of the related dispute or returned payment.

The fields returned in this object depend on whether a dispute or returned payment led to the interest adjustment. A dispute returns dispute details; a returned payment returns payment details.

For more on the dispute details returned, see the dispute response fields.

For more on the returned payment details returned, see the payment response fields.

This field is returned for interest adjustments only.

Allowable Values:

Existing related_detail_object
data[].amount

decimal

Returned		Amount of the adjustment.

Allowable Values:

Format: 0.00
data[].currency_code

string

Returned		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
data[].description

string

Returned		Description of the adjustment.

Allowable Values:

1 char min
data[].note

string

Conditionally returned		Additional information on the adjustment.

Allowable Values:

255 char max
data[].reason

string

Returned		Reason for the adjustment.

- DISPUTE - The adjustment occurred because a dispute was initiated.
- DISPUTE_RESOLUTION - The adjustment occurred because of the result of a dispute resolution.
- RETURNED_OR_CANCELED_PAYMENT - The adjustment occurred because a payment was returned or canceled.
- OTHER - Any other reason the adjustment occurred. For example, a waived fee.

Allowable Values:

DISPUTE, DISPUTE_RESOLUTION, RETURNED_OR_CANCELED_PAYMENT, OTHER
data[].created_time

datetime

Conditionally returned		Date and time when the account adjustment was applied, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

​
Sample response body

JSON
{
  "count": 2,
  "start_index": 0,
  "end_index": 1,
  "is_more": false,
  "data": [
    {
      "token": "my_account_adjustment_token1234",
      "account_token": "my_account_token_12",
      "type": "FEE",
      "original_ledger_entry_token": "a0216141-13d6-e2e2-7227-abcd12345678",
      "external_adjustment_id": null,
      "detail_token": null,
      "adjustment_detail_object": null,
      "related_detail_token": null,
      "related_detail_object": null,
      "amount": -25,
      "currency_code": "USD",
      "description": "Waived late payment fee",
      "note": null,
      "reason": "OTHER"
    },
    {
      "token": "my_account_adjustment_token1234",
      "account_token": "my_account_token_12",
      "type": "INTEREST",
      "original_ledger_entry_token": "a0216141-13d6-e2e2-7227-abcd12345678",
      "external_adjustment_id": "e37e27a1-ad70-382e-846d-a31ab59d00f9",
      "detail_token": "interest_detail_token1234",
      "adjustment_detail_object": {
        "token": "interest_detail_token1234",
        "account_token": "my_account_token_12",
        "statement_token": "statement_token_75b",
        "statement_opening_date": "2024-07-01T04:00:00",
        "statement_closing_date": "2024-08-01T03:59:59.999Z",
        "statement_balance": 208.93,
        "average_daily_balance": 181.67,
        "goto_apr": 14.99,
        "daily_periodic_rate": 0.00041068,
        "days_in_billing_cycle": 31,
        "interest_amount": 2.31,
        "currency_code": "USD",
        "created_date": "2024-08-01T07:00:19.755Z",
        "updated_date": "2024-08-01T07:00:19.755Z"
      },
      "related_detail_token": "dispute_token1234",
      "related_detail_object": {
        "token": "dispute_token_1234",
        "ledger_entry_token": "journal_entry_token1222",
        "account_token": "account_token_12",
        "amount": 500,
        "status": "ACTIVE",
        "category": "FRAUD",
        "notes": "string",
        "resolved_at": "2025-07-01T00:27:09Z",
        "updated_time": "2025-07-01T00:27:09Z",
        "created_time": "2025-07-01T00:27:09Z"
      },
      "amount": -100,
      "currency_code": "USD",
      "description": "interest adjustment",
      "note": "interest adjustment for dispute",
      "reason": "OTHER"
    }
  ]
}

​
Retrieve account adjustment

Action: GET
Endpoint: /credit/accounts/{account_token}/adjustments/{adjustment_token} Retrieve an adjustment for a credit account.

​
URL path parameters

FieldsDescription
account_token

string

Required		Unique identifier of the credit account for which you want to retrieve an adjustment.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

Existing account token
adjustment_token

string

Required		Unique identifier of the adjustment to retrieve.

Send a GET request to /credit/accounts/{account_token}/adjustments to retrieve existing account adjustment tokens.

Allowable Values:

Existing adjustment token

​
Response body

FieldsDescription
token

string

Returned		Unique identifier of the adjustment.

If in the detail_object, unique identifier of the detail object.

Allowable Values:

36 char max
account_token

string

Returned		Unique identifier of the credit account on which the adjustment was made.

Allowable Values:

36 char max

Existing account token
type

string

Returned		Type of adjustment.

The adjustment is made on its correlating amount (for example, purchase adjustments are made on purchase amounts). You can use general adjustments for standalone adjustments made on the credit account balance itself, which includes account write-offs, credits, and more.

Allowable Values:

PURCHASE, FEE, REWARD, INTEREST, GENERAL
original_ledger_entry_token

uuid

Conditionally returned		Unique identifier of the original journal entry needing the adjustment.

Allowable Values:

Existing journal entry token
external_adjustment_id

uuid

Conditionally returned		Unique identifier you provide of an associated external adjustment that exists outside Marqeta’s credit platform.

Allowable Values:

255 char max
detail_token

string

Conditionally returned		Unique identifier of the adjustment detail. For example, the token of the dispute, the interest charge, or the returned payment that prompted the adjustment.

Returned when the system automatically applies an adjustment.

Allowable Values:

36 char max
adjustment_detail_object

object

Conditionally returned		Contains the adjustment’s full details.

The fields returned in this object depend on the adjustment type.

Interest returns interest details. For the specific fields returned, see the detail_object fields marked “Returned for interest journal entries” in the account journal entry response fields.

Disputes return dispute details. For the specific fields returned, see the dispute response fields.

Allowable Values:

Existing adjustment_detail_object
related_detail_token

string

Conditionally returned		Unique identifier of the dispute or returned payment that prompted the interest adjustment.

This field is returned for interest adjustments only.

Allowable Values:

36 char max
related_detail_object

object

Conditionally returned		Contains full details of the related dispute or returned payment.

The fields returned in this object depend on whether a dispute or returned payment led to the interest adjustment. A dispute returns dispute details; a returned payment returns payment details.

For more on the dispute details returned, see the dispute response fields.

For more on the returned payment details returned, see the payment response fields.

This field is returned for interest adjustments only.

Allowable Values:

Existing related_detail_object
amount

decimal

Returned		Amount of the adjustment.

Allowable Values:

Format: 0.00
currency_code

string

Returned		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
description

string

Returned		Description of the adjustment.

Allowable Values:

1 char min
note

string

Conditionally returned		Additional information on the adjustment.

Allowable Values:

255 char max
reason

string

Returned		Reason for the adjustment.

- DISPUTE - The adjustment occurred because a dispute was initiated.
- DISPUTE_RESOLUTION - The adjustment occurred because of the result of a dispute resolution.
- RETURNED_OR_CANCELED_PAYMENT - The adjustment occurred because a payment was returned or canceled.
- OTHER - Any other reason the adjustment occurred. For example, a waived fee.

Allowable Values:

DISPUTE, DISPUTE_RESOLUTION, RETURNED_OR_CANCELED_PAYMENT, OTHER
created_time

datetime

Conditionally returned		Date and time when the account adjustment was applied, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ

​
Sample response body

JSON
{
  "token": "my_account_adjustment_token1234",
  "account_token": "my_account_token_12",
  "type": "FEE",
  "original_ledger_entry_token": "a0216141-13d6-e2e2-7227-abcd12345678",
  "external_adjustment_id": null,
  "detail_token": null,
  "adjustment_detail_object": null,
  "related_detail_token": null,
  "related_detail_object": null,
  "amount": -25,
  "currency_code": "USD",
  "description": "Waived late payment fee",
  "note": null,
  "reason": "OTHER"
}

Related topics

Credit Account AdjustmentsEvent TypesGPA OrdersAbout Credit Account Disputes2023 Release Notes