Credit Substatuses

Credit substatuses can be applied to credit accounts or credit account holders. Substatuses should be applied only after verification with Customer Support and after the cardholder request for the substatus designation has been accepted. Substatuses define specific circumstances, such as bankruptcy, hardship or fraud. They also affect account behavior or activity, including interest accrual, authorization requests, and account termination. Substatus downstream account actions are not always reversible for the cardholder, which means that substatuses should be applied with caution. Use the substatus endpoints to apply or remove a substatus for a credit account or user. Applying a substatus causes immediate downstream changes to the account. For additional information about substatuses, see Account substatuses or Account holder substatuses in the About Credit Accounts guide.

Note
The substatus SCRA stands for “Servicemembers Civilian Relief Act.” The substatus MLA stands for “Military Lending Act.”

For more information about receiving webhook notifications when account transition events occur, see Credit substatus events on the Event Types page.

Important
If you are a Managed by Marqeta customer, a Marqeta customer service representative will apply the appropriate substatuses.

Create substatus

Action: POST
Endpoint: /credit/substatuses Create a new substatus for a credit account, user, or business.

Request body

Fields	Description
token string Optional	Unique identifier of the credit substatus. Allowable Values: 36 char max
substatus string Required	Type of substatus. - `HARDSHIP`, `FRAUD`, `CEASE_AND_DESIST`, `BLOCKED`, and `OPT_OUT` can only be applied to the `ACCOUNT` resource type. - `MLA`, `SCRA` and `DECEASED` can only be applied to the `USER` resource type. - `POWER_OF_ATTORNEY` and `BANKRUPTCY` can be applied to either the `USER` or the `BUSINESS` resource type. Allowable Values: 1–36 chars `HARDSHIP`, `FRAUD`, `MLA`, `SCRA`, `DECEASED`, `POWER_OF_ATTORNEY`, `CEASE_AND_DESIST`, `OPT_OUT`, `BANKRUPTCY`, `BLOCKED`
resource_type string Required	Type of resource to which the substatus can be applied. Allowable Values: `USER`, `ACCOUNT`, `BUSINESS`
resource_token string Required	Unique identifier of the user or account or business for which you want to create a substatus. - Send a `GET` request to `/credit/accounts` to retrieve existing account tokens. - Send a `GET` request to `/users` to retrieve existing user tokens. - Send a `GET` request to `/business` to retrieve existing business tokens. Allowable Values: 1–36 chars
attributes array of objects Optional	Additional dynamic attributes related to the substatus. If the substatus is `BANKRUPTCY`, `SCRA` or `POWER_OF_ATTORNEY`, then attributes are required. Allowable Values: `key`, `value`
attributes[].key string Optional	The name of the attribute. Marqeta provides several preconfigured attributes, as described in the following list. - chapter: If the substatus is `BANKRUPTCY`, then the chapter attribute is required. `CHAPTER_9` is not applicable to a `USER` resource type. `CHAPTER_13` is not applicable to a `BUSINESS` resource type. - military_start_date: If the substatus is `SCRA`, then the military start date attribute is required. The 6% APR override will be applied from the time and date of account opening until the last statement period of the military start date. - end_date: If the substatus is `POWER_OF_ATTORNEY`, then the end date attribute is applicable. This specifies the date when the power of attorney document is no longer valid. - poa_details: If the substatus is `POWER_OF_ATTORNEY`, then the Power of Attorney details attribute is applicable. This attribute specifies the range of actions that the agent with Power of Attorney is able to perform on the account. By default the range is `UNRESTRICTED`. - agent_name: If the substatus is `POWER_OF_ATTORNEY`, then the agent name is required. This attribute specifies the name of the agent with Power of Attorney for the user. - agent_address: If the substatus is `POWER_OF_ATTORNEY`, then the agent address attribute is required. This attribute specifies the address of the agent with Power of Attorney for the user. - agent_id_type: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification type attribute is required. This specifies the type of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_value: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification value attribute is required. This attribute specifies the value of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_expiration_date: If the substatus is `POWER_OF_ATTORNEY`, then the attribute for the Power of Attorney identification expiration date attribute is required. This attribute specifies the expiration date of the identification method used to identify the agent with Power of Attorney for the user. Allowable Values: - `chapter` - `military_start_date` - `end_date` - `poa_details` - `agent_name` - `agent_address` - `agent_id_type` - `agent_id_value` - `agent_id_expiration_date`
attributes[].value string Optional	The value of the attribute. Allowable Values: - chapter:`CHAPTER_7`, `CHAPTER_9`, `CHAPTER_11`, `CHAPTER_12`, `CHAPTER_13` - military_start_date: yyyy-MM-ddThh:mm:ssZ format - end_date: yyyy-MM-ddThh:mm:ssZ format - poa_details: string (255 char max) - agent_name: string (255 char max) - agent_address: string (255 char max) - agent_id_type:`SSN`, `TIN`, `SIN`, `NIN`, `PASSPORT_NUMBER`, `DRIVERS_LICENSE`, `BUSINESS_LICENSE`, `BUSINESS_NUMBER`, `BUSINESS_TAX_ID`, `TAXPAYER_REFERENCE` - agent_id_value: string (255 char max) - agent_id_expiration_date: yyyy-MM-ddThh:mm:ssZ format
events array of objects Required	List of events related to the substatus. Allowable Values: Valid array of one or more substatus events
events[].state string Required	Initial state of the substatus. - `ACTIVE` - Required if the substatus is `HARDSHIP`, `MLA`, `SCRA`, `DECEASED`, `BLOCKED`, `CEASE_AND_DESIST`, `OPT_OUT`, or `POWER_OF_ATTORNEY`. - `BANKRUPTCY_FILED` - Required if the substatus is `BANKRUPTCY`. - `DECEASED_REPORTED` - Required if the substatus is `DECEASED`. - `FRAUD_REPORTED` - Required if the substatus is `FRAUD`. Allowable Values: `ACTIVE`, `BANKRUPTCY_FILED`, `DECEASED_REPORTED`, `FRAUD_REPORTED`
events[].channel string Optional	The mechanism by which the state of the substatus was applied. - `ADMIN` - Indicates that the state of the substatus was added through the Marqeta Dashboard. - `API` - Indicates that you initiated an update of the substatus through the Core API. Use this value when creating a substatus. - `FRAUD` - Indicates that either Marqeta or the card network has determined that the account is fraudulent. - `SYSTEM` - Indicates that Marqeta initiated the state of the substatus. For example, Marqeta determined during application decisioning that the applicant is `MLA`. Allowable Values: `ADMIN`, `API`, `FRAUD`, `SYSTEM` Default value: `API`
events[].reason string Optional	Reason for applying a state designation to the substatus. Allowable Values: 255 char max
events[].effective_date datetime Optional	Date and time when the state of the substatus went into effect, in UTC. The effective date must be in the past. If no value is set, then the effective date and time will be the current time. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample request body

JSON

{
  "resource_type": "USER",
  "resource_token": "my_user_token",
  "substatus": "SCRA",
  "attributes": [
    {
      "key": "military_start_date",
      "value": "2024-04-02T11:23:23Z"
    }
  ],
  "events": [
    {
      "state": "ACTIVE",
      "channel": "ADMIN",
      "reason": "Documents submitted and verified"
    }
  ]
}

Response body

Fields	Description
token string Returned	Unique identifier of the credit substatus. Allowable Values: 36 char max
resource_type string Returned	Type of resource to which the substatus is applied. Allowable Values: `ACCOUNT`, `USER`, `BUSINESS`
resource_token string Returned	Unique identifier of the resource. Allowable Values: 36 char max
substatus string Returned	Type of substatus. Allowable Values: 36 char max - `HARDSHIP` - `FRAUD` - `MLA` - `SCRA` - `DECEASED` - `BANKRUPTCY` - `POWER_OF_ATTORNEY` - `BLOCKED` - `CEASE_AND_DESIST` - `OPT_OUT`
state string Returned	Current state of the substatus. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
is_active boolean Returned	Denotes whether a substatus is active. Allowable Values: `true`, `false`
attributes array of objects Conditionally returned	Additional dynamic attributes related to the substatus. If the substatus is `BANKRUPTCY`, `SCRA`, or `POWER_OF_ATTORNEY`, then attributes are present. Allowable Values: `key`, `value`
attributes[].key string Conditionally returned	The name of the attribute. Marqeta provides several preconfigured attributes, as described in the following list. - chapter: If the substatus is `BANKRUPTCY`, then this value defines the chapter. - military_start_date: If the substatus is `SCRA`, then this value defines the military start date. - end_date: If the substatus is `POWER_OF_ATTORNEY`, then the end date attribute is present. This specifies the date when the power of attorney document is no longer valid. - poa_details: If the substatus is `POWER_OF_ATTORNEY`, then the Power of Attorney details attribute is applicable. This attribute specifies the range of actions that the agent with Power of Attorney is able to perform on the account. By default the range is `UNRESTRICTED`. - agent_name: If the substatus is `POWER_OF_ATTORNEY`, then the agent name is present. This attribute specifies the name of the agent with Power of Attorney for the user. - agent_address: If the substatus is `POWER_OF_ATTORNEY`, then the agent address attribute is present. This attribute specifies the address of the agent with Power of Attorney for the user. - agent_id_type: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification type attribute is present. This specifies the type of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_value: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification value attribute is present. This attribute specifies the value of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_expiration_date: If the substatus is `POWER_OF_ATTORNEY`, then the attribute for the Power of Attorney identification expiration date attribute is present. This attribute specifies the expiration date of the identification method used to identify the agent with Power of Attorney for the user. Allowable Values: - `chapter` - `military_start_date` - `end_date` - `poa_details` - `agent_name` - `agent_address` - `agent_id_type` - `agent_id_value` - `agent_id_expiration_date`
attributes[].value string Conditionally returned	The value of the attribute. Allowable Values: - chapter:`CHAPTER_7`, `CHAPTER_11`, `CHAPTER_12`, `CHAPTER_13` - military_start_date: yyyy-MM-ddThh:mm:ssZ format - end_date: yyyy-MM-ddThh:mm:ssZ format - poa_details: string (255 char max) - agent_name: string (255 char max) - agent_address: string (255 char max) - agent_id_type:`SSN`, `TIN`, `SIN`, `NIN`, `PASSPORT_NUMBER`, `DRIVERS_LICENSE`, `BUSINESS_LICENSE`, `BUSINESS_NUMBER`, `BUSINESS_TAX_ID`, `TAXPAYER_REFERENCE` - agent_id_value: string (255 char max) - agent_id_expiration_date: yyyy-MM-ddThh:mm:ssZ format
created_time datetime Conditionally returned	Date and time when the substatus was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the substatus was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
events array of objects Conditionally returned	List of events related to the substatus. Allowable Values: Valid array of one or more substatus events
events[].state string Returned	The state of the event. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
events[].channel string Returned	The channel through which the event occurred. Allowable Values: `ADMIN`, `API`, `FRAUD`, `SYSTEM`
events[].reason string Conditionally returned	Reason for the event. Allowable Values: 255 char max
events[].effective_date datetime Returned	Effective date of the event, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
events[].created_time datetime Returned	Creation time of the event. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "substatus_token",
  "resource_type": "USER",
  "resource_token": "my_user_token",
  "substatus": "SCRA",
  "state": "ACTIVE",
  "is_active": true,
  "attributes": [
    {
      "key": "military_start_date",
      "value": "2024-04-02T11:23:23Z"
    }
  ],
  "created_time": "2024-05-17T21:50:13.729Z",
  "updated_time": "2024-05-17T21:51:39.774Z",
  "events": [
    {
      "state": "ACTIVE",
      "channel": "ADMIN",
      "reason": "Documents submitted and verified",
      "effective_date": "2024-05-17T21:50:13.738Z",
      "created_time": "2024-05-17T21:50:13.740Z"
    }
  ]
}

List substatuses

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

URL query parameters

Fields	Description
account_token string Optional	Unique identifier of the account for which to retrieve substatuses. Send a `GET` request to `/credit/accounts` to retrieve existing account tokens. Allowable Values: Existing account token
user_token string Optional	Unique identifier of the user for which to retrieve substatuses. Send a `GET` request to `/users` to retrieve existing user tokens. Allowable Values: Existing user token
is_active boolean Optional	Denotes whether a substatus is active. Allowable Values: `true`, `false`
substatuses array of strings Optional	Comma-delimited list of substatus types to include. Allowable values: `HARDSHIP`, `FRAUD`, `MLA`, `SCRA`, `DECEASED`, `BANKRUPTCY`, `POWER_OF_ATTORNEY`, `BLOCKED`, `CEASE_AND_DESIST`, `OPT_OUT` Allowable Values: `HARDSHIP`, `FRAUD`, `MLA`, `SCRA`, `DECEASED`, `BANKRUPTCY`, `POWER_OF_ATTORNEY`, `BLOCKED`, `CEASE_AND_DESIST`, `OPT_OUT`
count integer Optional	The number of 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. Allowable Values: `createdTime`, `-createdTime`

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-100
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 substatuses. Allowable Values: `token`, `resource_type`, `resource_token`, `substatus`, `state`, `is_active`, `attributes`, `created_time`, `updated_time`, `events`.
data[].token string Returned	Unique identifier of the credit substatus. Allowable Values: 36 char max
data[].resource_type string Returned	Type of resource to which the substatus is applied. Allowable Values: `ACCOUNT`, `USER`, `BUSINESS`
data[].resource_token string Returned	Unique identifier of the resource. Allowable Values: 36 char max
data[].substatus string Returned	Type of substatus. Allowable Values: 36 char max - `HARDSHIP` - `FRAUD` - `MLA` - `SCRA` - `DECEASED` - `BANKRUPTCY` - `POWER_OF_ATTORNEY` - `BLOCKED` - `CEASE_AND_DESIST` - `OPT_OUT`
data[].state string Returned	Current state of the substatus. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
data[].is_active boolean Returned	Denotes whether a substatus is active. Allowable Values: `true`, `false`
data[].attributes array of objects Conditionally returned	Additional dynamic attributes related to the substatus. If the substatus is `BANKRUPTCY`, `SCRA`, or `POWER_OF_ATTORNEY`, then attributes are present. Allowable Values: `key`, `value`
data[].attributes[].key string Conditionally returned	The name of the attribute. Marqeta provides several preconfigured attributes, as described in the following list. - chapter: If the substatus is `BANKRUPTCY`, then this value defines the chapter. - military_start_date: If the substatus is `SCRA`, then this value defines the military start date. - end_date: If the substatus is `POWER_OF_ATTORNEY`, then the end date attribute is present. This specifies the date when the power of attorney document is no longer valid. - poa_details: If the substatus is `POWER_OF_ATTORNEY`, then the Power of Attorney details attribute is applicable. This attribute specifies the range of actions that the agent with Power of Attorney is able to perform on the account. By default the range is `UNRESTRICTED`. - agent_name: If the substatus is `POWER_OF_ATTORNEY`, then the agent name is present. This attribute specifies the name of the agent with Power of Attorney for the user. - agent_address: If the substatus is `POWER_OF_ATTORNEY`, then the agent address attribute is present. This attribute specifies the address of the agent with Power of Attorney for the user. - agent_id_type: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification type attribute is present. This specifies the type of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_value: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification value attribute is present. This attribute specifies the value of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_expiration_date: If the substatus is `POWER_OF_ATTORNEY`, then the attribute for the Power of Attorney identification expiration date attribute is present. This attribute specifies the expiration date of the identification method used to identify the agent with Power of Attorney for the user. Allowable Values: - `chapter` - `military_start_date` - `end_date` - `poa_details` - `agent_name` - `agent_address` - `agent_id_type` - `agent_id_value` - `agent_id_expiration_date`
data[].attributes[].value string Conditionally returned	The value of the attribute. Allowable Values: - chapter:`CHAPTER_7`, `CHAPTER_11`, `CHAPTER_12`, `CHAPTER_13` - military_start_date: yyyy-MM-ddThh:mm:ssZ format - end_date: yyyy-MM-ddThh:mm:ssZ format - poa_details: string (255 char max) - agent_name: string (255 char max) - agent_address: string (255 char max) - agent_id_type:`SSN`, `TIN`, `SIN`, `NIN`, `PASSPORT_NUMBER`, `DRIVERS_LICENSE`, `BUSINESS_LICENSE`, `BUSINESS_NUMBER`, `BUSINESS_TAX_ID`, `TAXPAYER_REFERENCE` - agent_id_value: string (255 char max) - agent_id_expiration_date: yyyy-MM-ddThh:mm:ssZ format
data[].created_time datetime Conditionally returned	Date and time when the substatus was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the substatus was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].events array of objects Conditionally returned	List of events related to the substatus. Allowable Values: Valid array of one or more substatus events
data[].events[].state string Returned	The state of the event. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
data[].events[].channel string Returned	The channel through which the event occurred. Allowable Values: `ADMIN`, `API`, `FRAUD`, `SYSTEM`
data[].events[].reason string Conditionally returned	Reason for the event. Allowable Values: 255 char max
data[].events[].effective_date datetime Returned	Effective date of the event, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].events[].created_time datetime Returned	Creation time of the event. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Retrieve substatus

Action: GET
Endpoint: /credit/substatuses/{substatus_token} Retrieve a user or account substatus.

URL path parameters

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

Response body

Fields	Description
token string Returned	Unique identifier of the credit substatus. Allowable Values: 36 char max
resource_type string Returned	Type of resource to which the substatus is applied. Allowable Values: `ACCOUNT`, `USER`, `BUSINESS`
resource_token string Returned	Unique identifier of the resource. Allowable Values: 36 char max
substatus string Returned	Type of substatus. Allowable Values: 36 char max - `HARDSHIP` - `FRAUD` - `MLA` - `SCRA` - `DECEASED` - `BANKRUPTCY` - `POWER_OF_ATTORNEY` - `BLOCKED` - `CEASE_AND_DESIST` - `OPT_OUT`
state string Returned	Current state of the substatus. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
is_active boolean Returned	Denotes whether a substatus is active. Allowable Values: `true`, `false`
attributes array of objects Conditionally returned	Additional dynamic attributes related to the substatus. If the substatus is `BANKRUPTCY`, `SCRA`, or `POWER_OF_ATTORNEY`, then attributes are present. Allowable Values: `key`, `value`
attributes[].key string Conditionally returned	The name of the attribute. Marqeta provides several preconfigured attributes, as described in the following list. - chapter: If the substatus is `BANKRUPTCY`, then this value defines the chapter. - military_start_date: If the substatus is `SCRA`, then this value defines the military start date. - end_date: If the substatus is `POWER_OF_ATTORNEY`, then the end date attribute is present. This specifies the date when the power of attorney document is no longer valid. - poa_details: If the substatus is `POWER_OF_ATTORNEY`, then the Power of Attorney details attribute is applicable. This attribute specifies the range of actions that the agent with Power of Attorney is able to perform on the account. By default the range is `UNRESTRICTED`. - agent_name: If the substatus is `POWER_OF_ATTORNEY`, then the agent name is present. This attribute specifies the name of the agent with Power of Attorney for the user. - agent_address: If the substatus is `POWER_OF_ATTORNEY`, then the agent address attribute is present. This attribute specifies the address of the agent with Power of Attorney for the user. - agent_id_type: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification type attribute is present. This specifies the type of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_value: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification value attribute is present. This attribute specifies the value of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_expiration_date: If the substatus is `POWER_OF_ATTORNEY`, then the attribute for the Power of Attorney identification expiration date attribute is present. This attribute specifies the expiration date of the identification method used to identify the agent with Power of Attorney for the user. Allowable Values: - `chapter` - `military_start_date` - `end_date` - `poa_details` - `agent_name` - `agent_address` - `agent_id_type` - `agent_id_value` - `agent_id_expiration_date`
attributes[].value string Conditionally returned	The value of the attribute. Allowable Values: - chapter:`CHAPTER_7`, `CHAPTER_11`, `CHAPTER_12`, `CHAPTER_13` - military_start_date: yyyy-MM-ddThh:mm:ssZ format - end_date: yyyy-MM-ddThh:mm:ssZ format - poa_details: string (255 char max) - agent_name: string (255 char max) - agent_address: string (255 char max) - agent_id_type:`SSN`, `TIN`, `SIN`, `NIN`, `PASSPORT_NUMBER`, `DRIVERS_LICENSE`, `BUSINESS_LICENSE`, `BUSINESS_NUMBER`, `BUSINESS_TAX_ID`, `TAXPAYER_REFERENCE` - agent_id_value: string (255 char max) - agent_id_expiration_date: yyyy-MM-ddThh:mm:ssZ format
created_time datetime Conditionally returned	Date and time when the substatus was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the substatus was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
events array of objects Conditionally returned	List of events related to the substatus. Allowable Values: Valid array of one or more substatus events
events[].state string Returned	The state of the event. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
events[].channel string Returned	The channel through which the event occurred. Allowable Values: `ADMIN`, `API`, `FRAUD`, `SYSTEM`
events[].reason string Conditionally returned	Reason for the event. Allowable Values: 255 char max
events[].effective_date datetime Returned	Effective date of the event, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
events[].created_time datetime Returned	Creation time of the event. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "substatus_token",
  "resource_type": "USER",
  "resource_token": "my_user_token",
  "substatus": "SCRA",
  "state": "ACTIVE",
  "is_active": true,
  "attributes": [
    {
      "key": "military_start_date",
      "value": "2024-04-02T11:23:23Z"
    }
  ],
  "created_time": "2024-04-02T11:23:23Z",
  "updated_time": "2024-04-02T11:23:23Z",
  "events": [
    {
      "state": "ACTIVE",
      "channel": "ADMIN",
      "reason": "Documents submitted and verified",
      "effective_date": "2024-04-02T11:23:23Z",
      "created_time": "2024-04-02T11:23:23Z"
    }
  ]
}

Update substatus

Action: PUT
Endpoint: /credit/substatuses/{substatus_token} Updating a substatus registers a new event that changes the substatus’ state.

URL path parameters

Fields	Description
substatus_token string Required	Unique identifier of the account substatus resource to retrieve. Send a `GET` request to `/credit/substatuses` to retrieve existing substatus tokens. Allowable Values: Existing substatus token

Request body

Fields	Description
state string Required	New state of the substatus. - `INACTIVE` is a valid state for substatuses `HARDSHIP`, `FRAUD`, `MLA`, `SCRA`, `DECEASED`, `BLOCKED`, `CEASE_AND_DESIST`, `OPT_OUT`, and `POWER_OF_ATTORNEY`. - `DECEASED_CONFIRMED` is a valid state for substatus `DECEASED`. - `FRAUD_CONFIRMED` is a valid state for substatus `FRAUD`. - `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, and `BANKRUPTCY_DISMISSED_INACTIVE` states are applicable to `BANKRUPTCY`. Allowable Values: `INACTIVE`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`, `DECEASED_CONFIRMED`, `FRAUD_CONFIRMED`
channel string Optional	The mechanism by which a state designation was applied to a substatus. If no value is set, then it defaults to `API`. - `ADMIN` - Indicates that the state of the substatus was added through the Marqeta Dashboard. - `API` - Indicates that you initiated the update of the substatus through the Core API. Use this value when creating a card transition with an API `POST` request. - `FRAUD` - Indicates that either Marqeta or the card network has determined that the account is fraudulent. - `SYSTEM` - Indicates that the substatus update was initiated by Marqeta. For example, Marqeta determined during application decisioning that the applicant is `MLA`. Allowable Values: `ADMIN`, `API`, `FRAUD`, `SYSTEM`
reason string Optional	Reason for applying the state to the substatus. Allowable Values: 1–255 chars
effective_date datetime Optional	Date and time when the state of the substatus is effective, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample request body

JSON

{
  "state": "INACTIVE",
  "channel": "ADMIN",
  "reason": "Remove substatus from account",
  "effective_date": "2024-04-09T11:23:23Z"
}

Response body

Fields	Description
token string Returned	Unique identifier of the credit substatus. Allowable Values: 36 char max
resource_type string Returned	Type of resource to which the substatus is applied. Allowable Values: `ACCOUNT`, `USER`, `BUSINESS`
resource_token string Returned	Unique identifier of the resource. Allowable Values: 36 char max
substatus string Returned	Type of substatus. Allowable Values: 36 char max - `HARDSHIP` - `FRAUD` - `MLA` - `SCRA` - `DECEASED` - `BANKRUPTCY` - `POWER_OF_ATTORNEY` - `BLOCKED` - `CEASE_AND_DESIST` - `OPT_OUT`
state string Returned	Current state of the substatus. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
is_active boolean Returned	Denotes whether a substatus is active. Allowable Values: `true`, `false`
attributes array of objects Conditionally returned	Additional dynamic attributes related to the substatus. If the substatus is `BANKRUPTCY`, `SCRA`, or `POWER_OF_ATTORNEY`, then attributes are present. Allowable Values: `key`, `value`
attributes[].key string Conditionally returned	The name of the attribute. Marqeta provides several preconfigured attributes, as described in the following list. - chapter: If the substatus is `BANKRUPTCY`, then this value defines the chapter. - military_start_date: If the substatus is `SCRA`, then this value defines the military start date. - end_date: If the substatus is `POWER_OF_ATTORNEY`, then the end date attribute is present. This specifies the date when the power of attorney document is no longer valid. - poa_details: If the substatus is `POWER_OF_ATTORNEY`, then the Power of Attorney details attribute is applicable. This attribute specifies the range of actions that the agent with Power of Attorney is able to perform on the account. By default the range is `UNRESTRICTED`. - agent_name: If the substatus is `POWER_OF_ATTORNEY`, then the agent name is present. This attribute specifies the name of the agent with Power of Attorney for the user. - agent_address: If the substatus is `POWER_OF_ATTORNEY`, then the agent address attribute is present. This attribute specifies the address of the agent with Power of Attorney for the user. - agent_id_type: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification type attribute is present. This specifies the type of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_value: If the substatus is `POWER_OF_ATTORNEY`, then the agent identification value attribute is present. This attribute specifies the value of the identification method used to identify the agent with Power of Attorney for the user. - agent_id_expiration_date: If the substatus is `POWER_OF_ATTORNEY`, then the attribute for the Power of Attorney identification expiration date attribute is present. This attribute specifies the expiration date of the identification method used to identify the agent with Power of Attorney for the user. Allowable Values: - `chapter` - `military_start_date` - `end_date` - `poa_details` - `agent_name` - `agent_address` - `agent_id_type` - `agent_id_value` - `agent_id_expiration_date`
attributes[].value string Conditionally returned	The value of the attribute. Allowable Values: - chapter:`CHAPTER_7`, `CHAPTER_11`, `CHAPTER_12`, `CHAPTER_13` - military_start_date: yyyy-MM-ddThh:mm:ssZ format - end_date: yyyy-MM-ddThh:mm:ssZ format - poa_details: string (255 char max) - agent_name: string (255 char max) - agent_address: string (255 char max) - agent_id_type:`SSN`, `TIN`, `SIN`, `NIN`, `PASSPORT_NUMBER`, `DRIVERS_LICENSE`, `BUSINESS_LICENSE`, `BUSINESS_NUMBER`, `BUSINESS_TAX_ID`, `TAXPAYER_REFERENCE` - agent_id_value: string (255 char max) - agent_id_expiration_date: yyyy-MM-ddThh:mm:ssZ format
created_time datetime Conditionally returned	Date and time when the substatus was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the substatus was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
events array of objects Conditionally returned	List of events related to the substatus. Allowable Values: Valid array of one or more substatus events
events[].state string Returned	The state of the event. Allowable Values: `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE`
events[].channel string Returned	The channel through which the event occurred. Allowable Values: `ADMIN`, `API`, `FRAUD`, `SYSTEM`
events[].reason string Conditionally returned	Reason for the event. Allowable Values: 255 char max
events[].effective_date datetime Returned	Effective date of the event, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
events[].created_time datetime Returned	Creation time of the event. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "substatus_token",
  "resource_type": "ACCOUNT",
  "resource_token": "my_account_token",
  "substatus": "FRAUD",
  "state": "INACTIVE",
  "is_active": false,
  "attributes": [],
  "created_time": "2024-04-02T11:23:23Z",
  "updated_time": "2024-04-02T11:23:23Z",
  "events": [
    {
      "state": "ACTIVE",
      "channel": "SYSTEM",
      "reason": "Fraud system detected suspicious activity",
      "effective_date": "2024-04-02T11:23:23Z",
      "created_time": "2024-04-02T11:23:23Z"
    },
    {
      "state": "INACTIVE",
      "channel": "ADMIN",
      "reason": "Verified non-fraud with cardholder",
      "effective_date": "2024-04-02T11:23:23Z",
      "created_time": "2024-04-02T11:23:23Z"
    }
  ]
}

Resend credit event notification

Action: POST
Endpoint: /credit/webhooks/{event_type}/{resource_token} Resends a credit event notification to your webhook endpoint. Although you send this request as a POST, all parameters are passed in the URL and the body is empty. The event notification is resent to your webhook endpoint and also returned in the response to this request. For details on how to configure your webhook endpoint, see the About Webhooks tutorial. For the complete /webhooks endpoint reference, see Webhooks.

URL path parameters

Fields	Description
event_type string Required	Specifies the type of event you want to resend. Allowable Values: `ledgerentry`, `journalentry`, `accounttransition`, `accountstatement`, `paymenttransition`, `delinquencytransition`, `paymentreminders`, `substatus`, `accountsignupbonus`
resource_token string Required	Unique identifier of the resource for which you want to resend a notification. - Send a `GET` request to `/credit/accounts/{account_token}/journalentries` to retrieve existing journal entry tokens. - Send a `GET` request to `/credit/accounts/{account_token}/ledgerentries` to retrieve existing ledger entry tokens. - Send a `GET` request to `/accounts/{account_token}/accounttransitions` to retrieve existing account transition tokens. - Send a `GET` request to `/credit/accounts/{account_token}/payments/{payment_token}` to retrieve existing payment transition tokens. - Send a `GET` request to `/accounts/{account_token}/statements` to retrieve existing statement summary tokens. - Send a `GET` request to `/accounts/{account_token}/delinquencystate/transitions` to retrieve existing delinquency state transition tokens. - Send a `GET` request to `/accounts/{account_token}/statements/{statement_summary_token}/paymentreminders/{token}` to retrieve existing payment reminder tokens. - Send a `GET` request to `/credit/substatuses` to retrieve existing substatus tokens. - Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens and identify the specific account for the resend event. Allowable Values: Existing journal entry token, ledger entry token, account transition token, payment transition token, statement summary token, delinquency transition token, or substatus token

Response body

Fields	Description
unused string Conditionally returned	Event notification that was resent to your webhook endpoint. Allowable Values: Valid event notification

Sample response body

The following code block shows a sample of a resent creditaccounttransitions event.

JSON

{
  "token": "my_credit_account_transition_token1234",
  "account_token": "my_credit_account_token1234",
  "original_status": "UNACTIVATED",
  "status": "ACTIVE",
  "created_time": "2024-08-18T20:25:10.408Z"
}

The following code block shows a sample of a resent creditaccountstatements event.

JSON

{
  "token": "my_credit_account_statement_token",
  "account_token": "my_credit_account_token",
  "opening_balance": 496.45,
  "closing_balance": 506.41,
  "credit_limit": 500,
  "available_credit": 0,
  "past_due_amount": 10,
  "purchases": 0,
  "interest": 4.96,
  "fees": 15,
  "credits": 0,
  "payments": 10,
  "days_in_billing_cycle": 31,
  "cycle_type": "REVOLVING",
  "opening_date": "2025-03-01T05:00:00.000Z",
  "closing_date": "2025-04-01T03:59:59.999Z",
  "created_time": "2023-08-18T22:04:31.261Z"
}

The following code block shows a sample of a resent creditjournalentries event.

JSON

{
  "token": "my_journal_entry_token1234",
  "related_token": null,
  "root_token": null,
  "account_token": "my_credit_account_token1234",
  "card_token": "my_credit_card_token1234",
  "status": "PENDING",
  "group": "PURCHASE",
  "type": "authorization",
  "id": "12345678",
  "amount": 10,
  "currency_code": "USD",
  "memo": "Jane's Bakery",
  "request_time": "2024-08-18T22:06:52.000Z",
  "impact_time": "2024-08-18T22:07:21.422Z",
  "created_time": "2024-08-18T22:07:21.422Z",
  "dispute_token": null,
  "detail_token": "my_detail_token1234",
  "detail_object": {
    "type": "authorization",
    "state": "PENDING",
    "identifier": "234",
    "token": "my_detail_token1234",
    "user_token": "my_user_token",
    "acting_user_token": "my_user_token",
    "card_token": "my_credit_card_token1234",
    "gpa": {
      "currency_code": "USD",
      "ledger_balance": 510.87,
      "available_balance": 0,
      "credit_balance": 0,
      "pending_credits": 0,
      "impacted_amount": -10,
      "balances": {
        "USD": {
          "currency_code": "USD",
          "ledger_balance": 510.87,
          "available_balance": 0,
          "credit_balance": 0,
          "pending_credits": 0,
          "impacted_amount": -10
        }
      }
    },
    "gpa_order": {
      "token": "my_gpa_order_token1234",
      "amount": 10,
      "created_time": "2024-08-18T22:06:53Z",
      "last_modified_time": "2024-08-18T22:06:53Z",
      "transaction_token": "my_transaction_token1234",
      "state": "PENDING",
      "response": {
        "code": "0000",
        "memo": "Approved or completed successfully"
      },
      "funding": {
        "amount": 10,
        "source": {
          "type": "programgateway",
          "token": "**********1ab2",
          "active": true,
          "name": "credit_backed_funding_source",
          "is_default_account": false,
          "created_time": "2024-10-14T17:26:35Z",
          "last_modified_time": "2024-10-14T17:26:35Z"
        },
        "gateway_log": {
          "order_number": "my_gateway_token12345",
          "transaction_id": "my_transaction_id1234",
          "message": "Approved or completed successfully",
          "duration": 485,
          "timed_out": false,
          "response": {
            "code": "200",
            "data": {
              "jit_funding": {
                "token": "my_jit_funding_token1234",
                "method": "pgfs.authorization",
                "user_token": "my_user_token",
                "acting_user_token": "my_user_token",
                "amount": 10
              }
            }
          }
        }
      },
      "funding_source_token": "**********1ab2",
      "jit_funding": {
        "token": "my_transaction_id1234",
        "method": "pgfs.authorization",
        "user_token": "my_user_token",
        "acting_user_token": "my_user_token",
        "amount": 10
      },
      "user_token": "my_user_token",
      "currency_code": "USD"
    },
    "duration": 837,
    "created_time": "2024-08-18T22:06:52Z",
    "user_transaction_time": "2024-08-18T22:06:52Z",
    "settlement_date": "2024-08-18T00:00:00Z",
    "request_amount": 10,
    "amount": 10,
    "currency_code": "USD",
    "approval_code": "974406",
    "response": {
      "code": "0000",
      "memo": "Approved or completed successfully"
    },
    "network": "DISCOVER",
    "acquirer_fee_amount": 0,
    "acquirer": {
      "system_trace_audit_number": "376582"
    },
    "user": {
      "metadata": {
        "key1": "value1",
        "key2": "value2",
        "notification_email": "user@domain.com",
        "notification_language": "spa"
      }
    },
    "card": {
      "last_four": "9949",
      "metadata": {}
    },
    "issuer_received_time": "2024-08-18T22:06:52.771Z",
    "issuer_payment_node": "f8205a67b12b90d695b15704a64c074b",
    "network_reference_id": "484311571095",
    "card_acceptor": {
      "mid": "1234",
      "mcc": "6411",
      "name": "Jane's Bakery",
      "street_address": "1989 Fillmore St",
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94115",
      "country_code": "USA"
    },
    "pos": {
      "pin_present": false,
      "partial_approval_capable": true,
      "purchase_amount_only": false,
      "is_recurring": false,
      "is_installment": false
    }
  }
}

The following code block shows a sample of a resent creditledgerentries event.

JSON

{
  "token": "my_ledger_entry_token1234",
  "related_token": null,
  "root_token": null,
  "account_token": "my_credit_account_token1234",
  "card_token": "my_credit_card_token1234",
  "status": "PENDING",
  "group": "PURCHASE",
  "type": "authorization",
  "id": "12345678",
  "amount": 10,
  "currency_code": "USD",
  "memo": "Jane's Bakery",
  "request_time": "2024-08-18T22:06:52.000Z",
  "impact_time": "2024-08-18T22:07:21.422Z",
  "created_time": "2024-08-18T22:07:21.422Z",
  "dispute_token": null,
  "detail_token": "my_detail_token1234",
  "detail_object": {
    "type": "authorization",
    "state": "PENDING",
    "identifier": "234",
    "token": "my_detail_token1234",
    "user_token": "my_user_token",
    "acting_user_token": "my_user_token",
    "card_token": "my_credit_card_token1234",
    "gpa": {
      "currency_code": "USD",
      "ledger_balance": 510.87,
      "available_balance": 0,
      "credit_balance": 0,
      "pending_credits": 0,
      "impacted_amount": -10,
      "balances": {
        "USD": {
          "currency_code": "USD",
          "ledger_balance": 510.87,
          "available_balance": 0,
          "credit_balance": 0,
          "pending_credits": 0,
          "impacted_amount": -10
        }
      }
    },
    "gpa_order": {
      "token": "my_gpa_order_token1234",
      "amount": 10,
      "created_time": "2024-08-18T22:06:53Z",
      "last_modified_time": "2024-08-18T22:06:53Z",
      "transaction_token": "my_transaction_token1234",
      "state": "PENDING",
      "response": {
        "code": "0000",
        "memo": "Approved or completed successfully"
      },
      "funding": {
        "amount": 10,
        "source": {
          "type": "programgateway",
          "token": "**********1ab2",
          "active": true,
          "name": "credit_backed_funding_source",
          "is_default_account": false,
          "created_time": "2024-10-14T17:26:35Z",
          "last_modified_time": "2024-10-14T17:26:35Z"
        },
        "gateway_log": {
          "order_number": "my_gateway_token12345",
          "transaction_id": "my_transaction_id1234",
          "message": "Approved or completed successfully",
          "duration": 485,
          "timed_out": false,
          "response": {
            "code": "200",
            "data": {
              "jit_funding": {
                "token": "my_jit_funding_token1234",
                "method": "pgfs.authorization",
                "user_token": "my_user_token",
                "acting_user_token": "my_user_token",
                "amount": 10
              }
            }
          }
        }
      },
      "funding_source_token": "**********1ab2",
      "jit_funding": {
        "token": "my_transaction_id1234",
        "method": "pgfs.authorization",
        "user_token": "my_user_token",
        "acting_user_token": "my_user_token",
        "amount": 10
      },
      "user_token": "my_user_token",
      "currency_code": "USD"
    },
    "duration": 837,
    "created_time": "2024-08-18T22:06:52Z",
    "user_transaction_time": "2024-08-18T22:06:52Z",
    "settlement_date": "2024-08-18T00:00:00Z",
    "request_amount": 10,
    "amount": 10,
    "currency_code": "USD",
    "approval_code": "974406",
    "response": {
      "code": "0000",
      "memo": "Approved or completed successfully"
    },
    "network": "DISCOVER",
    "acquirer_fee_amount": 0,
    "acquirer": {
      "system_trace_audit_number": "376582"
    },
    "user": {
      "metadata": {
        "key1": "value1",
        "key2": "value2",
        "notification_email": "user@domain.com",
        "notification_language": "spa"
      }
    },
    "card": {
      "last_four": "9949",
      "metadata": {}
    },
    "issuer_received_time": "2024-08-18T22:06:52.771Z",
    "issuer_payment_node": "f8205a67b12b90d695b15704a64c074b",
    "network_reference_id": "484311571095",
    "card_acceptor": {
      "mid": "1234",
      "mcc": "6411",
      "name": "Jane's Bakery",
      "street_address": "1989 Fillmore St",
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94115",
      "country_code": "USA"
    },
    "pos": {
      "pin_present": false,
      "partial_approval_capable": true,
      "purchase_amount_only": false,
      "is_recurring": false,
      "is_installment": false
    }
  }
}

The following code block shows a sample of a resent creditpaymenttransitions event.

JSON

{
  "token": "my_payment_transition_token1234",
  "account_token": "my_credit_account_token1234",
  "payment_token": "my_credit_account_payment_token1234",
  "status": "COMPLETED",
  "refund_details": null,
  "created_time": "2024-08-17T18:26:47.591Z"
}

The following code block shows a sample of a resent creditdelinquencytransitions event.

JSON

{
  "token": "my_delinquency_transition_token1234",
  "account_token": "my_credit_account_token1234",
  "transition_trigger_reason": "STATEMENT_GENERATION",
  "transition_trigger_time": "2024-03-01 04:59:59.999",
  "original_status": "CURRENT",
  "status": "DELINQUENT",
  "impact_time": "2024-03-01 04:59:59.999",
  "total_past_due": 100,
  "current_due": 40,
  "total_due": 140,
  "oldest_payment_due_date": "2023-02-01 04:59:59.999",
  "bucket_count": 2,
  "is_rolled_back": false,
  "created_time": "2024-03-01 04:59:59.999",
  "updated_time": "2024-03-01 04:59:59.999"
}

The following code block shows a sample of a resent substatus event.

JSON

{
  "token": "substatus_token",
  "resource_type": "ACCOUNT",
  "resource_token": "my_account_token",
  "substatus": "FRAUD",
  "state": "INACTIVE",
  "is_active": false,
  "attributes": [],
  "created_time": "2024-04-02T11:23:23Z",
  "updated_time": "2024-04-02T11:23:23Z",
  "events": [
    {
      "state": "ACTIVE",
      "channel": "SYSTEM",
      "reason": "Fraud system detected suspicious activity",
      "effective_date": "2024-04-02T11:23:23Z",
      "created_time": "2024-04-02T11:23:23Z"
    },
    {
      "state": "INACTIVE",
      "channel": "ADMIN",
      "reason": "Verified non-fraud with cardholder",
      "effective_date": "2024-04-02T11:23:23Z",
      "created_time": "2024-04-02T11:23:23Z"
    }
  ]
}

The following code block shows a sample of a resent accountsignupbonus event.

JSON

{
  "token": "my_accountsignupbonus_token",
  "account_token": "my_account_token",
  "type": "STATEMENT_CREDIT",
  "status": "ISSUED",
  "accrual_start_time": "2024-04-02T11:23:23Z",
  "maturity_time": "2024-04-02T11:23:23Z",
  "spend_total": 10,
  "reward_token": "my_reward_token",
  "journal_entry_token": "my_journal_entry_token"
}

​Create substatus

​Request body

​Sample request body

​Response body

​Sample response body

​List substatuses

​URL query parameters

​Response body

​Retrieve substatus

​URL path parameters

​Response body

​Sample response body

​Update substatus

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

​Resend credit event notification

​URL path parameters

​Response body

​Sample response body

Create substatus

Request body

Sample request body

Response body

Sample response body

List substatuses

URL query parameters

Response body

Retrieve substatus

URL path parameters

Response body

Sample response body

Update substatus

URL path parameters

Request body

Sample request body

Response body

Sample response body

Resend credit event notification

URL path parameters

Response body

Sample response body