Payment Sources

Use the payment sources endpoint to link an external payment source to an account on Marqeta’s credit platform. This enables account holders to use the linked payment source to make payments toward their account balance.

Create payment source

Action: POST
Endpoint: /credit/paymentsources Create a payment source from which to make payments.

Request body

Fields	Description
token string Optional	Unique identifier of the payment source. Allowable Values: 36 char max
user_token string Optional	Unique identifier of the user making the payment. Allowable Values: 36 char max Existing user token
business_token string Optional	Unique identifier of the business making the payment. Allowable Values: 36 char max Existing business token
account_token string Required	Unique identifier of the credit account receiving the payment. Allowable Values: 36 char max Existing account token
source_type string Required	Type of payment source. Allowable Values: `CHECKING`, `SAVINGS`, `SECURE_ACCOUNT_FUND`, `OTHER`, `EXTERNAL`
name string Required	Name of the individual or business who owns the payment source. Allowable Values: 255 char max
account_number string Required	Account number of the payment source. Allowable Values: 255 char max
routing_number string Optional	Routing number of the payment source. This field is only optional when the value for `source_type` is `SECURE_ACCOUNT_FUND`. Allowable Values: 255 char max
owner string Optional	Type of payment source owner. Allowable Values: `INDIVIDUAL`, `BUSINESS`
verification_override boolean Required	Whether to override the verification process. Allowable Values: `true`, `false`
verification_notes string Optional	Additional information on the verification. Allowable Values: 255 char max
bank_name string Optional	Name of the bank associated with the routing number. Allowable Values: 255 char max

Sample request body

JSON

{
  "token": "my_payment_source_token_6789",
  "account_token": "my_account_token_12",
  "user_token": "user5678",
  "source_type": "CHECKING",
  "name": "John Jacob",
  "owner": "INDIVIDUAL",
  "account_number": "4567_payment_source_account_number",
  "routing_number": "56789_payment_source_routing_number",
  "verification_override": true
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the payment source. Allowable Values: 36 char max
account_token string Conditionally returned	Unique identifier of the credit account receiving the payment. Allowable Values: 36 char max Existing account token
user_token string Conditionally returned	Unique identifier of the user making the payment. Allowable Values: Existing user token
business_token string Conditionally returned	Unique identifier of the business making the payment. Allowable Values: Existing business token
created_time datetime Conditionally returned	Date and time when the payment source was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Conditionally returned	Date and time when the payment source was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
source_type string Conditionally returned	Type of payment source. Allowable Values: `CHECKING`, `SAVINGS`, `SECURE_ACCOUNT_FUND`, `OTHER`, `EXTERNAL`
name string Conditionally returned	Name of the individual or business who owns the payment source. Allowable Values: 255 char max
owner string Conditionally returned	Type of payment source owner. Allowable Values: `INDIVIDUAL`, `BUSINESS`
verification_status string Conditionally returned	Status of the verification for the payment source. Allowable Values: `ACH_VERIFIED`, `PENDING`
verification_notes string Conditionally returned	Additional information on the verification (for example, an external verification identifier that’s outside Marqeta’s credit platform). Allowable Values: 255 char max
account_suffix string Conditionally returned	Last four digits of the payment source account number. Allowable Values: 4 char max
routing_number string Conditionally returned	Routing number of the payment source. Allowable Values: 255 char max
bank_name string Conditionally returned	Name of the bank associated with the routing number. Allowable Values: 255 char max
status string Conditionally returned	Current status of the payment source. Allowable Values: `ACTIVE`, `PENDING`, `INACTIVE`

Sample response body

JSON

{
  "token": "my_payment_source_token_6789",
  "account_token": "my_account_token_12",
  "user_token": "user5678",
  "created_time": "2025-05-19T19:19:24Z",
  "last_modified_time": "2025-05-19T19:19:24Z",
  "source_type": "CHECKING",
  "name": "John Jacob",
  "owner": "INDIVIDUAL",
  "verification_status": "ACH_VERIFIED",
  "account_suffix": "5678",
  "routing_number": "payment_source_routing_number",
  "status": "ACTIVE"
}

List payment sources

Action: GET
Endpoint: /credit/paymentsources Retrieve an array of payment sources. This endpoint supports sorting and pagination.

URL query parameters

Fields	Description
account_token string Optional	Unique identifier of the credit account associated with the payment source. Allowable Values: Existing account token
user_token string Optional	Unique identifier of the user associated with the payment source. Allowable Values: Existing user token
business_token string Optional	Unique identifier of the business associated with the payment source. Allowable Values: Existing business token
count integer Optional	Number of payment source 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
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`. Allowable Values: `lastModifiedTime`, `-lastModifiedTime`
statuses array of strings Optional	Array of statuses to use for filtering payment sources. Allowable Values: `ACTIVE`, `PENDING`, `INACTIVE`

Response body

Fields	Description
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	List of payment sources. Allowable Values: Valid array of one or more payment source objects
data[].token string Conditionally returned	Unique identifier of the payment source. Allowable Values: 36 char max
data[].account_token string Conditionally returned	Unique identifier of the credit account receiving the payment. Allowable Values: 36 char max Existing account token
data[].user_token string Conditionally returned	Unique identifier of the user making the payment. Allowable Values: Existing user token
data[].business_token string Conditionally returned	Unique identifier of the business making the payment. Allowable Values: Existing business token
data[].created_time datetime Conditionally returned	Date and time when the payment source was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].last_modified_time datetime Conditionally returned	Date and time when the payment source was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].source_type string Conditionally returned	Type of payment source. Allowable Values: `CHECKING`, `SAVINGS`, `SECURE_ACCOUNT_FUND`, `OTHER`, `EXTERNAL`
data[].name string Conditionally returned	Name of the individual or business who owns the payment source. Allowable Values: 255 char max
data[].owner string Conditionally returned	Type of payment source owner. Allowable Values: `INDIVIDUAL`, `BUSINESS`
data[].verification_status string Conditionally returned	Status of the verification for the payment source. Allowable Values: `ACH_VERIFIED`, `PENDING`
data[].verification_notes string Conditionally returned	Additional information on the verification (for example, an external verification identifier that’s outside Marqeta’s credit platform). Allowable Values: 255 char max
data[].account_suffix string Conditionally returned	Last four digits of the payment source account number. Allowable Values: 4 char max
data[].routing_number string Conditionally returned	Routing number of the payment source. Allowable Values: 255 char max
data[].bank_name string Conditionally returned	Name of the bank associated with the routing number. Allowable Values: 255 char max
data[].status string Conditionally returned	Current status of the payment source. Allowable Values: `ACTIVE`, `PENDING`, `INACTIVE`

Sample response body

JSON

{
  "count": 1,
  "start_index": 0,
  "end_index": 0,
  "is_more": true,
  "data": [
    {
      "token": "my_payment_source_token_6789",
      "account_token": "my_account_token_12",
      "user_token": "user5678",
      "created_time": "2025-05-19T19:19:24Z",
      "last_modified_time": "2025-05-19T19:19:24Z",
      "source_type": "CHECKING",
      "name": "John Jacob",
      "owner": "INDIVIDUAL",
      "verification_status": "ACH_VERIFIED",
      "account_suffix": "5678",
      "routing_number": "payment_source_routing_number",
      "status": "ACTIVE"
    }
  ]
}

Retrieve payment source

Action: GET
Endpoint: /credit/paymentsources/{token} Retrieve a payment source.

URL path parameters

Fields	Description
token string Required	Unique identifier of the payment source to retrieve. Send a `GET` request to `/credit/paymentsources` to retrieve existing payment source tokens. Allowable Values: Existing payment source token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the payment source. Allowable Values: 36 char max
account_token string Conditionally returned	Unique identifier of the credit account receiving the payment. Allowable Values: 36 char max Existing account token
user_token string Conditionally returned	Unique identifier of the user making the payment. Allowable Values: Existing user token
business_token string Conditionally returned	Unique identifier of the business making the payment. Allowable Values: Existing business token
created_time datetime Conditionally returned	Date and time when the payment source was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Conditionally returned	Date and time when the payment source was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
source_type string Conditionally returned	Type of payment source. Allowable Values: `CHECKING`, `SAVINGS`, `SECURE_ACCOUNT_FUND`, `OTHER`, `EXTERNAL`
name string Conditionally returned	Name of the individual or business who owns the payment source. Allowable Values: 255 char max
owner string Conditionally returned	Type of payment source owner. Allowable Values: `INDIVIDUAL`, `BUSINESS`
verification_status string Conditionally returned	Status of the verification for the payment source. Allowable Values: `ACH_VERIFIED`, `PENDING`
verification_notes string Conditionally returned	Additional information on the verification (for example, an external verification identifier that’s outside Marqeta’s credit platform). Allowable Values: 255 char max
account_suffix string Conditionally returned	Last four digits of the payment source account number. Allowable Values: 4 char max
routing_number string Conditionally returned	Routing number of the payment source. Allowable Values: 255 char max
bank_name string Conditionally returned	Name of the bank associated with the routing number. Allowable Values: 255 char max
status string Conditionally returned	Current status of the payment source. Allowable Values: `ACTIVE`, `PENDING`, `INACTIVE`

Sample response body

JSON

{
  "token": "my_payment_source_token_6789",
  "account_token": "my_account_token_12",
  "user_token": "user5678",
  "created_time": "2025-05-19T19:19:24Z",
  "last_modified_time": "2025-05-19T19:19:24Z",
  "source_type": "CHECKING",
  "name": "John Jacob",
  "owner": "INDIVIDUAL",
  "verification_status": "ACH_VERIFIED",
  "account_suffix": "5678",
  "routing_number": "payment_source_routing_number",
  "status": "ACTIVE"
}

Update payment source

Action: PUT
Endpoint: /credit/paymentsources/{token} Update details of a payment source.

URL path parameters

Fields	Description
token string Required	Unique identifier of the payment source to retrieve. Send a `GET` request to `/credit/paymentsources` to retrieve existing payment source tokens. Allowable Values: Existing payment source token

Request body

Fields	Description
status string Required	Current status of the payment source. Allowable Values: `ACTIVE`, `PENDING`, `INACTIVE`

Sample request body

JSON

{
  "status": "ACTIVE"
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the payment source. Allowable Values: 36 char max
account_token string Conditionally returned	Unique identifier of the credit account receiving the payment. Allowable Values: 36 char max Existing account token
user_token string Conditionally returned	Unique identifier of the user making the payment. Allowable Values: Existing user token
business_token string Conditionally returned	Unique identifier of the business making the payment. Allowable Values: Existing business token
created_time datetime Conditionally returned	Date and time when the payment source was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Conditionally returned	Date and time when the payment source was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
source_type string Conditionally returned	Type of payment source. Allowable Values: `CHECKING`, `SAVINGS`, `SECURE_ACCOUNT_FUND`, `OTHER`, `EXTERNAL`
name string Conditionally returned	Name of the individual or business who owns the payment source. Allowable Values: 255 char max
owner string Conditionally returned	Type of payment source owner. Allowable Values: `INDIVIDUAL`, `BUSINESS`
verification_status string Conditionally returned	Status of the verification for the payment source. Allowable Values: `ACH_VERIFIED`, `PENDING`
verification_notes string Conditionally returned	Additional information on the verification (for example, an external verification identifier that’s outside Marqeta’s credit platform). Allowable Values: 255 char max
account_suffix string Conditionally returned	Last four digits of the payment source account number. Allowable Values: 4 char max
routing_number string Conditionally returned	Routing number of the payment source. Allowable Values: 255 char max
bank_name string Conditionally returned	Name of the bank associated with the routing number. Allowable Values: 255 char max
status string Conditionally returned	Current status of the payment source. Allowable Values: `ACTIVE`, `PENDING`, `INACTIVE`

Sample response body

JSON

{
  "token": "my_payment_source_token_6789",
  "account_token": "my_account_token_12",
  "user_token": "user5678",
  "created_time": "2025-05-19T19:19:24Z",
  "last_modified_time": "2025-05-19T19:19:24Z",
  "source_type": "CHECKING",
  "name": "John Jacob",
  "owner": "INDIVIDUAL",
  "verification_status": "ACH_VERIFIED",
  "account_suffix": "5678",
  "routing_number": "payment_source_routing_number",
  "status": "ACTIVE"
}

Core API Basics

SDKs

Credentials

Account Holders

Funding

Just-in-Time Funding

Cards

Digital Wallets

Spend Control

Accounts

Transactions

3D Secure

Real-Time Decisioning

Disputes

Digital Banking

Credit Programs

Credit Account Management

Credit Account Servicing

Credit Reward Accounts

Testing

Webhooks

​Create payment source

​Request body

​Sample request body

​Response body

​Sample response body

​List payment sources

​URL query parameters

​Response body

​Sample response body

​Retrieve payment source

​URL path parameters

​Response body

​Sample response body

​Update payment source

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

Create payment source

Request body

Sample request body

Response body

Sample response body

List payment sources

URL query parameters

Response body

Sample response body

Retrieve payment source

URL path parameters

Response body

Sample response body

Update payment source

URL path parameters

Request body

Sample request body

Response body

Sample response body