Gateway JIT Funding Messages

To participate in Gateway Just-in-Time (JIT) Funding decisions, your system must handle messages sent by the Marqeta platform and return the appropriate response. The Marqeta platform and your system exchange messages of the following types:

JIT Funding requests are actionable messages sent by the Marqeta platform to an endpoint on your system referred to as the JIT Funding gateway. These synchronous messages request permission to fund a specific transaction or to answer a balance inquiry.
JIT Funding responses are sent by your JIT Funding gateway to the Marqeta platform in response to a funding request or balance inquiry. Your gateway endpoint must respond to each funding request by approving or denying funding for the associated transaction. Your gateway must respond to each balance inquiry with the currently available balance for the account associated with the specified card. If you deny funding for the associated transaction, your JIT Funding response can include a descriptive decline reason. In addition, you can inject custom metadata into each response. Messages sent to the Marqeta platform must use the HTTPS protocol.
JIT Funding notifications are informative messages sent by the Marqeta platform to your webhook endpoint (not the JIT Funding gateway endpoint). These asynchronous messages contain the entire transaction and inform you about its ultimate outcome. Use JIT Funding notifications to validate that the Marqeta platform receives and correctly processes each of your funding responses.

These messages apply only to Gateway JIT Funding setups. For more information about JIT Funding, see About Just-in-Time Funding. For all transaction response fields, see Transactions.

The jit_funding object

Each JIT Funding message sent to your system contains a jit_funding object embedded in a gpa_order or gpa_order_unload object. Messages containing the gpa_order object indicate a load event, where funds are loaded into an account, while those containing the gpa_order_unload object indicate an unload event, where funds are removed from an account. The jit_funding object contains information about the funding event, including the associated user token and transaction amount. The method field indicates the type of transaction and whether the message is an actionable funding request sent to your gateway endpoint or an informative message sent to your webhook endpoint. Your gateway’s JIT Funding response must include the jit_funding object with the method found in the matching request. The following table summarizes the available methods:

Method	Purpose	Funding Event	Description
pgfs.adjustment.credit	Informative	Load	The Marqeta platform made a balance adjustment by crediting the program gateway funding source.
pgfs.adjustment.debit	Informative	Unload	The Marqeta platform made a balance adjustment by debiting the GPA.
pgfs.auth_plus_capture	Actionable	Load	Request for authorization to fund a user’s GPA and capture those funds. Used when the Marqeta platform receives a single-message financial transaction, such as a PIN debit, an ATM withdrawal, or a financial advice.
pgfs.auth_plus_capture.reversal	Informative	Load	A previously approved `pgfs.auth_plus_capture` was fully or partially reversed.
pgfs.auth_plus_capture.standin	Informative	Load	An authorization to fund a user’s GPA and capture those funds was approved by network stand-in processing. Used when the Marqeta platform receives a single-message financial transaction, such as a PIN debit, an ATM withdrawal, or a financial advice.
pgfs.authorization	Actionable	Load	Request for authorization to fund a user’s GPA.
pgfs.authorization.account_verification	Actionable	N/A	An authorization request for account verification. Also known as a zero-dollar authorization. An account verification request allows acquirers to verify a card without putting a hold on funds. Account verification requests are declined before reaching your JIT Funding gateway if the card or cardholder is suspended or terminated. You can approve an account verification request, or decline it using one of the decline reasons listed in the `decline_reason` field of the JIT Funding object. For example, you could use the decline reason `INVALID_MERCHANT` to decline an account verification request from an unauthorized retailer. If you do not include a specific decline reason in your response, Marqeta uses the decline reason “Decline account verification request.” To validate an anticipated amount verification transaction (AAVT), your Gateway JIT Funding response must include the `anticipated_amount_supported` field. A value of `true` indicates that the cardholder has sufficient funds for the transaction, and a value of `false` indicates that the cardholder does not have sufficient funds.
pgfs.authorization.capture	Informative	Load	Funds have been captured for the original authorization.
pgfs.authorization.capture.chargeback	Informative	Unload	A chargeback was performed. Funds have been refunded to the `refunds_destination` configured on the card product. In the case of JIT Funding, the `refunds_destination` is set to `GATEWAY`, which results in the funds being returned to the Program Gateway Funding Source.
pgfs.authorization.capture.chargeback.reversal	Informative	Load	A chargeback was reversed, debiting funds from the funding source.
pgfs.authorization.incremental	Actionable	Load	Request for authorization to fund a user’s GPA for the purpose of increasing the amount of a previous authorization. This method adds to the previous amount rather than replacing it.
pgfs.authorization.reversal	Informative	Load	A previously approved authorization for JIT Funding was fully or partially reversed.
pgfs.authorization.standin	Informative	Load	An authorization to fund a user’s GPA was approved by network stand-in processing.
pgfs.balanceinquiry	Actionable	N/A	Request for balance information, often the result of a cardholder request at an ATM. No funding event.
pgfs.force_capture	Informative	Load	This method indicates one of the following: - Although the GPA had sufficient funds for the original authorization, it had insufficient funds for clearing. In this case, JIT Funding was not performed at authorization, so JIT Funding is forced at clearing time. - The merchant force-posted the transaction and funds were provided through JIT Funding.
pgfs.original.credit.authorization	Actionable	Unload	Request for authorization to credit the GPA.
pgfs.original.credit.authorization.clearing	Informative	Load	Funds have been cleared for the OCT authorization.
pgfs.original.credit.authorization.reversal	Informative	Unload	A previously approved OCT authorization was fully or partially reversed.
pgfs.original.credit.auth_plus_capture	Actionable	Load	Request for authorization to credit the GPA and capture those funds.
pgfs.original.credit.auth_plus_capture.reversal	Informative	Unload	A previously approved `pgfs.original.credit.auth_plus_capture` was fully or partially reversed.
pgfs.pindebit.chargeback	Informative	Unload	A chargeback was performed. Funds have been refunded to the `refunds_destination` configured on the card product. In the case of JIT Funding, the `refunds_destination` is set to `GATEWAY`, which results in the funds being returned to the Program Gateway Funding Source.
pgfs.pindebit.chargeback.reversal	Informative	Load	A chargeback was reversed, debiting funds from the funding source.
pgfs.product.inquiry	Actionable	Load	A zero-dollar authorization request to determine Visa Flexible Credential eligibility.
pgfs.refund	Informative	Unload	A merchant refund was performed. Funds have been refunded to the `refunds_destination` configured on the card product. In the case of JIT Funding, the `refunds_destination` can only be set to `GATEWAY`, which results in the funds being returned to the Program Gateway Funding Source.
pgfs.refund.authorization	Actionable	Unload	Request to your JIT gateway for authorization to credit the cardholder’s GPA.
pgfs.refund.authorization.reversal	Informative	Unload	The financial impact of a merchant refund was reversed.

The jit_funding object also contains an address_verification object. This object stores address data provided by the purchaser and address data held on the Marqeta platform, as well as the address match determination made by the Marqeta platform. You can use this data to help make funding decisions in response to JIT Funding requests. For more information on how to use this object, see Using AVS with JIT Funding.

JIT Funding requests

The Marqeta platform sends JIT Funding requests to your gateway endpoint. Each request includes an abbreviated form of the related transaction (unless it is a non-financial balance inquiry, in which case there is no associated transaction). The request’s gpa_order.jit_funding object contains the details necessary for JIT Funding, including the amount of requested funding (note that other amount fields within the body might indicate different values).

Note
Each transaction and related JIT Funding request include only a subset of available fields, depending on the merchant, card network, or product/service purchased. For information about transaction fields, see Transactions.

Partial approval

The JIT Funding request message includes the partial_approval_capable field of the associated transaction. This field indicates whether your JIT Funding response can approve some amount less than the requested amount (partial_approval_capable is true) or must approve the entire amount (partial_approval_capable is false). For example, if you receive a JIT Funding request for

100, and `partial_approval_capable` is `true`, your response can approve a smaller amount, such as

50. In your response, include the partial approval amount in the jit_funding.amount field, just as you would when approving the whole amount.

Note
Support for partial approval is dependent on the merchant.

Headers

Each JIT Funding request includes the following HTTP headers that inform your system about the details of the incoming request.

Name	Description	Allowable Values
`x-marqeta-request-trace-id`	The universally unique identifier of the JIT Funding request.	Existing UUID
`x-marqeta-jit-funding-gateway-version`	The version of your JIT Funding gateway.	1.0, 2.0, 3.0
`x-marqeta-transactions-model-version`	The version of the Transaction Model returned by the Core API.	1.0, 2.0

The gpa_order.jit_funding object

Fields	Description
token string Returned	Existing JIT Funding token matching the `funding.gateway_log.transaction_id` field of the associated GPA order. Note that the `transaction_id` field updates if a subsequent JIT Funding message associated with that GPA order is sent. If multiple JIT Funding messages are associated with the same GPA order, the `transaction_id` field matches the token of the most recent message. Allowable Values: 36 char max
method string Returned	JIT Funding request type. See The jit_funding object for the purpose, funding event type, and description of each method. Allowable Values: `pgfs.authorization`, `pgfs.balanceinquiry`, `pgfs.authorization.incremental`, `pgfs.authorization.capture`, `pgfs.authorization.reversal`, `pgfs.auth_plus_capture`, `pgfs.refund`, `pgfs.force_capture`, `pgfs.authorization.capture.chargeback`, `pgfs.authorization.capture.chargeback.reversal`, `pgfs.pindebit.chargeback`, `pgfs.pindebit.chargeback.reversal`, `pgfs.dispute.credit`, `pgfs.dispute.debit`, `pgfs.directdeposit.credit`, `pgfs.directdeposit.debit`, `pgfs.directdeposit.credit.reversal`, `pgfs.directdeposit.debit.reversal`, `pgfs.adjustment.credit`, `pgfs.adjustment.debit`, `pgfs.auth_plus_capture.standin`, `pgfs.authorization.standin`, `pgfs.network.load`, `pgfs.original.credit.authorization`, `pgfs.original.credit.auth_plus_capture`, `pgfs.refund.authorization`, `pgfs.refund.authorization.reversal`, `pgfs.billpayment`, `pgfs.billpayment.capture`, `pgfs.billpayment.reversal`, `pgfs.authorization.account_verification`
user_token string Returned	Holder of the user account to be funded. Allowable Values: Existing user token.
business_token string Returned	Holder of the business account to be funded. Allowable Values: Existing business token
acting_user_token string Conditionally returned	User who conducted the transaction. Can be a child user configured to share its parent’s account balance. Allowable Values: 36 char max
amount decimal Returned	Requested amount of funding. NOTE: This field’s value can differ from the transaction’s top-level `amount` value, which defines the authorization amount. These values differ when the account being funded has a positive account balance. Associated fees can also cause these fields to differ. Allowable Values: 0 min
address_verification object Conditionally returned	Contains address verification data consisting of address data entered by the cardholder, address data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: `gateway`, `issuer`, `request`
original_jit_funding_token string Conditionally returned	Unique identifier of the first associated JIT Funding message. Useful for correlating related JIT Funding messages (that is, those associated with the same GPA order). Not included in the first of any set of related messages. Allowable Values: 36 char max

The gpa_order.jit_funding.address_verification object

Fields	Description
request object Conditionally returned	Contains address verification data provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: `postal_code`, `street_address`, `zip`
issuer object Conditionally returned	Contains both address verification data held by the Marqeta platform and an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: `on_file`, `response`

The gpa_order.jit_funding.address_verification.request object

Fields	Description
street_address string Conditionally returned	Street address provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 40 char max
postal_code string Conditionally returned	Postal code provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 10 char max

The gpa_order.jit_funding.address_verification.issuer object

Fields	Description
on_file object Conditionally returned	Contains address verification data stored on the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: `postal_code`, `street_address`, `zip`
response object Conditionally returned	Contains an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: `code`, `memo`

The gpa_order.jit_funding.address_verification.issuer.on_file object

Fields	Description
street_address string Conditionally returned	Street address provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. This field is a concatenation of the `address1` and `address2` fields associated with the cardholder. Allowable Values: 40 char max
postal_code string Conditionally returned	Postal code provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 10 char max

The gpa_order.jit_funding.address_verification.issuer.response object

Fields	Description
code string Returned	Assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes: Code / Address / Postal Code `0000` / Match / Match `0001` / Match / Not matched `0100` / Not matched / Match `0101` / Not matched / Not matched `0200` / Data Not Present / Match `0201` / Data Not Present / Not matched `0002` / Match / Data Not Present `0102` / Not matched / Data Not Present `0303` / Not Validated / Not Validated
memo string Returned	Free-form comments included in the transaction data for authorization and authorization completion transactions. This field should contain additional information about address verification. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max

Sample request (returned fields)

The following sample JIT Funding request contains only returned fields. These fields are present in every JIT Funding request.

JSON

{
  "type": "authorization",
  "state": "PENDING",
  "token": "198d1132-b34e-4445-a5ca-2e0fe4a55e26",
  "user_token": "user-158634",
  "acting_user_token": "user-158634",
  "card_token": "card-158634",
  "gpa": {
    "currency_code": "USD",
    "ledger_balance": 252.93,
    "available_balance": 0.00,
    "credit_balance": 0.00,
    "pending_credits": 0.00,
    "balances": {
      "USD": {
        "currency_code": "USD",
        "ledger_balance": 252.93,
        "available_balance": 0.00,
        "credit_balance": 0.00,
        "pending_credits": 0.00
      }
    }
  },
  "gpa_order": {
    "token": "b849f8a2-77a6-4745-bbb3-1dd8710427fa",
    "amount": 29.74,
    "transaction_token": "198d1132-b34e-4445-a5ca-2e0fe4a55e26",
    "state": "PENDING",
    "funding": {
      "amount": 29.74,
      "source": {
        "type": "programgateway",
        "token": "**********6a19",
        "active": true,
        "name": "jit funding source name",
        "is_default_account": false,
        "created_time": "2022-11-09T09:36:09Z",
        "last_modified_time": "2023-01-15T19:38:55Z"
      }
    },
    "funding_source_token": "**********6a19",
    "jit_funding": {
      "token": "0b199f94-2d5c-4fc4-9357-be998eaeebfd",
      "method": "pgfs.authorization",
      "user_token": "user-158634",
      "acting_user_token": "user-158634",
      "amount": 29.74
    },
    "user_token": "user-158634",
    "currency_code": "USD"
  },
  "created_time": "2022-09-25T23:41:25Z",
  "user_transaction_time": "2022-09-25T23:41:25Z",
  "amount": 29.74,
  "currency_code": "USD",
  "network": "MASTERCARD",
  "card_acceptor": {
    "mid": "4445001899609",
    "mcc": "5411",
    "name": "WHOLEFDS EGW 101",
    "city": "EDGEWATER",
    "state": "NJ",
    "postal_code": "07020",
    "country_code": "USA"
  },
  "acquirer": {
         "institution_country": "840",
         "institution_id_code": "375321467",
         "retrieval_reference_number": "526051868288",
         "system_trace_audit_number": "676127"
  },
  "fraud": {
         "network": {
             "transaction_risk_score": 86,
             "account_risk_score": 2
         }
  },
  "pos": {
         "pan_entry_mode": "MAG_STRIPE",
         "pin_entry_mode": "TRUE",
         "terminal_id": "TR100000",
         "terminal_attendance": "ATTENDED",
         "card_holder_presence": false,
         "card_presence": false,
         "partial_approval_capable": false,
         "purchase_amount_only": false,
         "is_recurring": false
  }
}

Sample request (with selection of conditionally returned fields)

The following sample JIT Funding request contains returned fields, plus a selection of conditionally returned objects and fields such as gpa_order.jit_funding.original_jit_funding_token, gpa_order.jit_funding.address_verification, and digital_wallet_token.

JSON

{
  "type": "authorization.incremental",
  "state": "PENDING",
  "token": "9699f5fc-3516-49c1-93a1-f6a9e6635bdf",
  "user_token": "0146434d-3c22-4906-a538-b61d39cf6f71",
  "acting_user_token": "0146434d-3c22-4906-a538-b61d39cf6f71",
  "card_token": "028b20b2-215f-4ab4-a334-f08d99def0e4",
  "preceding_related_transaction_token": "9b8444db-d4f8-43a7-9eeb-80c0bf90833f",
  "gpa": {
    "currency_code": "USD",
    "ledger_balance": 60.00,
    "available_balance": 0.00,
    "credit_balance": 0.00,
    "pending_credits": 0.00,
    "balances": {
      "USD": {
        "currency_code": "USD",
        "ledger_balance": 60.00,
        "available_balance": 0.00,
        "credit_balance": 0.00,
        "pending_credits": 0.00
      }
    }
  },
  "gpa_order": {
    "token": "a3abe952-bd25-48b8-8511-7d6350c15bf3",
    "amount": 1.00,
    "transaction_token": "9699f5fc-3516-49c1-93a1-f6a9e6635bdf",
    "state": "PENDING",
    "funding": {
      "amount": 1.00,
      "source": {
        "type": "programgateway",
        "token": "**********d27e",
        "active": true,
        "name": "Program Gateway Funding Source",
        "is_default_account": false,
        "created_time": "2022-08-24T21:52:36Z",
        "last_modified_time": "2022-08-24T21:52:36Z"
      }
    },
    "funding_source_token": "**********d27e",
    "jit_funding": {
      "token": "9f4ec793-2dfc-4a41-aac2-dbdb348f335e",
      "method": "pgfs.authorization.incremental",
      "user_token": "0146434d-3c22-4906-a538-b61d39cf6f71",
      "acting_user_token": "0146434d-3c22-4906-a538-b61d39cf6f71",
      "amount": 1.00,
      "original_jit_funding_token": "2c4f1443-a82b-446f-8fbc-366ddc5c9c9f",
      "address_verification": {
        "request": {
          "street_address": "",
          "postal_code": "94702"
        },
        "issuer": {
          "on_file": {
            "street_address": "",
            "postal_code": "94702"
          },
          "response": {
            "code": "0200",
            "memo": "Address not present and postal code match"
          }
        }
      }
    },
    "user_token": "0146434d-3c22-4906-a538-b61d39cf6f71",
    "currency_code": "USD",
  },
  "digital_wallet_token": {
    "token": "4c72bc11-1574-48c3-8cba-586072a7432f",
    "card_token": "IC_4e3omf16hwgbfpt7pumg6tfky",
    "state": "ACTIVE",
    "state_reason": "Digital wallet token provisioned to digital wallet",
    "fulfillment_status": "PROVISIONED",
    "issuer_eligibility_decision": "0000",
    "created_time": "2023-04-03T03:03:30Z",
    "last_modified_time": "2023-04-11T01:48:18Z",
    "token_service_provider": {
      "token_reference_id": "DNITHE301909311006593051",
      "pan_reference_id": "V-8679093106555599781122",
      "token_requestor_id": "40010030273",
      "token_requestor_name": "APPLE_PAY",
      "token_type": "DEVICE_SECURE_ELEMENT",
      "token_pan": "411111______1111",
      "token_expiration": "1223",
      "token_score": "14",
      "token_eligibility_decision": "DECISION_GREEN"
    },
    "device": {
      "type": "MOBILE_PHONE",
      "language_code": "eng",
      "device_id": "0423117BE44E80018327074341948822B514D73218EB41DE",
      "phone_number": "14088581301",
      "name": "iPhone",
      "location": "+35.96/-78.85",
      "ip_address": "101.203.084.990"
    },
    "wallet_provider_profile": {
      "account": {
        "email_address": "testUser@email.com",
        "score": "03"
      },
      "risk_assessment": {
        "score": "DECISION_YELLOW",
        "version": "0001.00"
      },
      "device_score": "03",
      "pan_source": "MOBILE_BANKING_APP",
      "reason_code": "0103040D"
    },
    "address_verification": {
      "name": "",
      "street_address": "180 Grand Ave",
      "zip": "**MASKED**"
    }
  },
  "created_time": "2022-09-29T21:35:03Z",
  "user_transaction_time": "2022-09-29T21:35:03Z",
  "settlement_date": "2022-09-29T00:00:00Z",
  "request_amount": 1.00,
  "amount": 1.00,
  "issuer_interchange_amount": 0.00,
  "currency_code": "USD",
  "network": "MASTERCARD",
  "acquirer_fee_amount": 0.00,
  "card_acceptor": {
    "mid": "123456890",
    "mcc": "6411",
    "name": "Marqeta Storefront",
    "address": "330 Central Ave.",
    "city": "St. Petersburg",
    "state": "FL",
    "postal_code": "33705",
    "country_code": "USA"
  },
  "acquirer": {
         "institution_country": "840",
         "institution_id_code": "375321467",
         "retrieval_reference_number": "526051868288",
         "system_trace_audit_number": "676127"
   },
   "card_security_code_verification": {
         "type": "CVV1",
         "response": {
             "code": "0000",
             "memo": "Card security code match"
         }
   },
   "fraud": {
         "network": {
             "transaction_risk_score": 86,
             "account_risk_score": 2
         }
   },
   "pos": {
         "pan_entry_mode": "MAG_STRIPE",
         "pin_entry_mode": "TRUE",
         "terminal_id": "TR100000",
         "terminal_attendance": "ATTENDED",
         "card_holder_presence": false,
         "card_presence": false,
         "partial_approval_capable": false,
         "purchase_amount_only": false,
         "is_recurring": false
   },
   "transaction_metadata": {
         "payment_channel": "OTHER"
   }
 }

Sample request for account verification

The following sample is a JIT Funding request for account verification, also known as a “zero-dollar authorization.”

JSON

{
  "type": "authorization",
  "state": "CLEARED",
  "token": "my_jit_funding_request_token",
  "user_token": "my_user_token",
  "acting_user_token": "my_user_token",
  "card_token": "my_user_card_token",
  "gpa": {
    "currency_code": "USD",
    "ledger_balance": 0.00,
    "available_balance": 0.00,
    "credit_balance": 0.00,
    "pending_credits": 0.00,
    "balances": {
      "USD": {
        "currency_code": "USD",
        "ledger_balance": 0.00,
        "available_balance": 0.00,
        "credit_balance": 0.00,
        "pending_credits": 0.00
      }
    }
  },
  "gpa_order": {
    "token": "my_gpa_order_token",
    "amount": 0.00,
    "transaction_token": "my_transaction_token",
    "state": "PENDING",
    "funding": {
      "amount": 0.00,
      "source": {
        "type": "programgateway",
        "token": "my_funding_source_token",
        "active": true,
        "name": "JIT Test PGFS",
        "is_default_account": false,
        "created_time": "2022-07-09T19:09:46Z",
        "last_modified_time": "2022-07-09T19:09:46Z"
      }
    },
    "funding_source_token": "my_funding_source_token",
    "jit_funding": {
      "token": "my_jit_funding_token",
      "method": "pgfs.authorization.account_verification",
      "user_token": "my_user_token",
      "acting_user_token": "my_user_token",
      "amount": 0.00
    },
    "user_token": "my_user_token",
    "currency_code": "USD"
  },
  "created_time": "2022-07-09T19:09:49Z",
  "user_transaction_time": "2022-07-09T19:09:49Z",
  "settlement_date": "2022-07-09T07:00:00Z",
  "anticipated_amount": 10.01,
  "request_amount": 0.00,
  "amount": 0.00,
  "currency_code": "USD",
  "network": "MASTERCARD",
  "subnetwork": "MASTERCARDDEBIT",
  "acquirer": {
    "institution_country": "840",
    "institution_id_code": "591987000",
    "retrieval_reference_number": "755916520361",
    "system_trace_audit_number": "046214"
  },
  "user": {
    "metadata": {}
  },
  "card": {
    "last_four": "5432",
    "metadata": {}
  },
  "fraud": {
    "network": {
      "transaction_risk_score": 53,
      "transaction_risk_score_reason_code": "19",
      "transaction_risk_score_reason_description": "Score forced to be 1 because the transaction being scored was a 04xx message"
    }
  },
  "issuer_received_time": "2022-07-09T12:09:49.796Z",
  "issuer_payment_node": "033bd94b1168d7e4f0d644c3c95e35bf",
  "network_reference_id": "MD08381635020709",
  "acquirer_reference_data": "MD0838163502",
  "card_acceptor": {
    "mid": "000457368260828",
    "mcc": "6411",
    "network_mid": "000457368260828",
    "name": "Marqeta Storefront",
    "city": "Oakland",
    "state": "CA",
    "poi": {
      "tid": "TR100000",
      "partial_approval_capable": "0",
      "cardholder_presence": "0",
      "card_presence": "1",
      "channel": "OTHER",
      "processing_type": "MAGSTRIPE",
      "pin_present": "false"
    }
  }
}

JIT Funding responses

Your JIT Funding gateway must respond to each JIT Funding request and either approve or deny the requested funding. Ensure that your response body adheres to the specifications in this section. You must include all required fields regardless of whether you approve or deny the transaction. Balance inquiries require an additional balances object in the response.

Approving or denying the request

Use the following HTTP response codes to indicate whether you approve or deny the funding request.

To approve funding for the JIT Funding request: Set the HTTP response code to “200 OK”.
To deny funding for the JIT Funding request: Set the HTTP response code to “402 Request Failed”.

Response body field details

Fields	Description
jit_funding object Required	The top-level element of the response. All other fields are contained within this element. NOTE: JIT Funding responses are sent by your gateway to the Marqeta platform in response to a funding request. As such, you must provide this object in your response to the Marqeta platform; the platform does not supply it for you. Allowable Values: Existing `jit_funding` object

The jit_funding object

Fields	Description
token string Required	Identifies the JIT Funding request and response. Allowable Values: Must match request
method string Required	Identifies the JIT Funding response type. Allowable Values: Must match request
user_token string Required	Identifies the holder of the user account to be funded. Include either a `user_token` or `business_token` field. Allowable Values: Must match request
business_token string Required	Identifies the holder of the business account to be funded. Include either a `user_token` or `business_token` field. Allowable Values: Must match request
acting_user_token string Optional	Identifies the user who conducted the transaction. This user can be a child user configured to share its parent’s account balance. Allowable Values: Must match request when present
amount decimal Conditionally required	The requested amount of funding. This field is required for the `pgfs.balanceinquiry` method. - If `partial_approval_capable` is `false`, the response amount must match the request amount. - If `partial_approval_capable` is `true`, the response amount must be less than or equal to the request amount and greater than zero. WARNING: The JIT Funding request contains multiple `amount` fields. Ensure that you use the value from `gpa_order.jit_funding.amount`. Do not use the value from the top-level `amount` field (or any other `amount` field) because those fields might contain a value different from the `gpa_order.jit_funding.amount` field. In particular, `amount` fields will differ if the account being funded has a positive account balance before JIT Funding is requested. Associated fees can also cause `amount` field values to differ. Allowable Values: Format: 0.00 (response must include two decimal places)
anticipated_amount_supported boolean Optional	Validate an anticipated amount verification transaction (AAVT). - Return a value of `true` if the cardholder’s balance matches or exceeds the anticipated amount. - Return a value of `false` if the cardholder’s balance is below the anticipated amount. Allowable Values: `true`, `false`
original_jit_funding_token string Optional	The token of the first associated JIT Funding message. This token enables you to correlate related JIT Funding messages (that is, those associated with the same GPA order). This field is not included in the first of any set of related messages. Allowable Values: Must match request when present
address_verification.gateway object Optional	Contains gateway-held address verification data and the gateway’s assertion as to whether its data matches the data provided by the cardholder. Include this object only if you want to override the assertion provided in the JIT Funding request. Allowable Values: Existing `jit_funding.address_verification.gateway` object
balances object Optional	Contains balance information, by currency. Allowable Values: Only include this object in response to an ATM balance inquiry or an ATM withdrawal. In all other scenarios it is ignored.
tags string Optional	A comma-delimited list of tags. Allowable Values: 255 char max
memo string Optional	Free-form comments included in the transaction data for authorization and authorization completion transactions. This field should contain additional information about the funding event. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max
decline_reason string Optional	A descriptive reason for declining the transaction. Allowable Values: `AMOUNT_LIMIT_EXCEEDED`, `BLOCKED_BY_CARDHOLDER`, `BLOCKED_BY_ISSUER`, `BLOCKED_MERCHANT_BY_CARDHOLDER`, `CARD_NOT_ACTIVE`, `CARDHOLDER_NOT_ACTIVE`, `CLOSED_ACCOUNT`, `DUPLICATE_TRANSACTION`, `EXPIRED_CARD`, `INSUFFICIENT_FUNDS`, `INVALID_AMOUNT`, `INVALID_CARD`, `INVALID_MERCHANT`, `NO_CHECKING_ACCOUNT`, `NO_CREDIT_ACCOUNT`, `NO_SAVINGS_ACCOUNT`, `REVOCATION_AUTHORIZATION_ORDER`, `REVOCATION_ALL_AUTHORIZATION_ORDER`, `SOFT_DECLINE_AUTHENTICATION_REQUIRED`, `SOFT_DECLINE_PIN_REQUIRED`, `STOP_PAYMENT`, `SUSPECTED_FRAUD`, `TRANSACTION_COUNT_LIMIT_EXCEEDED`, `TRANSACTION_NOT_PERMITTED`

The jit_funding.address_verification.gateway object

Fields	Description
on_file object Optional	Contains address verification data held by the gateway. Allowable Values: `street_address`, `postal_code`
response object Optional	Contains the gateway’s assertion as to whether its address verification data matches the cardholder’s. Allowable Values: `code`, `memo`

The jit_funding.address_verification.gateway.on_file object

Fields	Description
street_address string Optional	Street address provided by the gateway. Allowable Values: 40 char max
postal_code string Optional	Postal code provided by the gateway. Allowable Values: 9 char max

The jit_funding.address_verification.gateway.response object

Fields	Description
code string Optional	The gateway’s assertion as to whether the address verification data provided by the gateway and cardholder match. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes: Code / Address / Postal Code `0000` / Match / Match `0001` / Match / Not matched `0100` / Not matched / Match `0101` / Not matched / Not matched `0200` / Data Not Present / Match `0201` / Data Not Present / Not matched `0002` / Match / Data not present `0102` / Not matched / Data not present `0303` / Not Validated / Not validated
memo string Optional	Free-form comments included in the transaction data for authorization and authorization completion transactions. This field should contain additional information about address verification. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max

The jit_funding.balances object

The balances object contains one or more objects for each currency of funds held by the associated account. For example, if an account only holds a balance in USD, there is one sub-object: USD. When responding to balance inquiries, you must include the jit_funding.balances object containing fields matching the request’s gpa.balances object. In the case of an ATM withdrawal, you should include the jit_funding.balances object in your JIT Funding response to display the current account balance, otherwise a balance of $0 is shown to the cardholder. You must populate the balances object with the correct amounts from your ledger. You should not include the amount field in your response.

Note
Your gateway must handle scenarios where cardholders make purchases and balance inquiries in quick succession.

Each currency-specific sub-object of jit_funding.balances contains the following fields:

Fields	Description
currency_code string Required	The three-digit ISO 4217 currency code of the balance. Allowable Values: Valid three-digit ISO 4217 currency code
ledger_balance decimal Optional	Authorized funds that are currently on hold, but not yet cleared. Allowable Values: Format: 0.00
available_balance decimal Required	The ledger balance minus any authorized transactions that have not yet cleared. Also known as the cardholder’s purchasing power. If you are using JIT Funding, this balance is usually 0.00. Allowable Values: Format: 0.00
credit_balance decimal Optional	Not currently used. Allowable Values: Not applicable
pending_credits decimal Optional	ACH loads that have been accepted, but for which the funding time has not yet elapsed. Allowable Values: Format: 0.00

Sample responses for authorizations

JSON

{
  "jit_funding": {
    "token": "b0a889ec-d7e2-4744-bc09-aa86b0738500",
    "method": "pgfs.authorization",
    "user_token": "0146434d-3c22-4906-a538-b61d39cf6f71",
    "amount": 1.00,
    "address_verification": {
      "gateway": {
        "on_file": {
          "street_address": "199 Elm Street Apt #3",
          "postal_code": "94612"
        },
        "response": {
          "code": "0100",
          "memo": "Address and postal code match"
        }
      }
    },
    "original_jit_funding_token": "a1a879ec-d7e2-4744-rc08-ca24b0738537",
    "tags": "groceries, 77.44, countryside foods",
    "memo": "Order # 12345 – Funding for 77.44 for employee R.Smith. 77.44 for groceries at Countryside Foods"
  }
}

JSON

{
  "jit_funding": {
    "token": "my_jit_funding_response_token",
    "method": "pgfs.authorization.account_verification",
    "user_token": "my_user_token",
    "acting_user_token": "my_user_token",
    "amount": 0.00,
    "memo": "MEMO: Fri Jul 09 12:09:50 PDT 2021",
    "tags": "TAGS: Fri Jul 09 12:09:50 PDT 2021"
  }
}

Sample response for balance inquiries

JSON

{
  "jit_funding": {
    "token": "b0a889ec-d7e2-4744-bc09-aa86b0738500",
    "method": "pgfs.balanceinquiry",
    "user_token": "0146434d-3c22-4906-a538-b61d39cf6f71",
    "balances": {
      "USD": {
        "currency_code": "USD",
        "ledger_balance": 100.00,
        "available_balance": 100.00,
        "pending_credits": 0.00
      }
    }
  }
}

Sample response for an ATM withdrawal

JSON

{
  "jit_funding": {
    "token": "6b958ef3-7e65-4e8f-9161-d0812be7a19b",
    "method": "pgfs.authorization",
    "user_token": "668f4550-4cc3-40e6-ac7e-1e70da332b3e",
    "acting_user_token": "668f4550-4cc3-40e6-ac7e-1e70da332b3e",
    "amount": 86.14,
    "tags": "auth_method=1",
    "balances": {
      "USD": {
        "currency_code": "USD",
        "ledger_balance": 86.14,
        "available_balance": 13.86
      }
    }
  }
}

JIT Funding notifications

The transaction that triggered the JIT Funding request and all associated transactions are sent to your system as webhook notifications. The JIT Funding notification body contains the entire transaction. To implement JIT Funding notifications, you must complete the following tasks:

Set up a webhook endpoint in your system to receive JIT Funding notifications.
Respond to each notification message with an HTTP response code of “200 OK” and an empty response body. (The Marqeta platform resends the message until it receives the appropriate response.)

You should use JIT Funding notifications to validate that the Marqeta platform receives and correctly processes each of your JIT Funding responses. Doing so safeguards against a situation where the Marqeta platform times out because of a delayed JIT Funding response and declines an authorization for which you already approved JIT Funding. In a case such as this, you need to know that the authorization was not approved and ensure that your cardholder is not debited for the transaction.

The gpa_order.jit_funding object

Fields	Description
token string Returned	Existing JIT Funding token matching the `funding.gateway_log.transaction_id` field of the associated GPA order. Note that the `transaction_id` field updates if a subsequent JIT Funding message associated with that GPA order is sent. If multiple JIT Funding messages are associated with the same GPA order, the `transaction_id` field matches the token of the most recent message. Allowable Values: 36 char max
method string Returned	JIT Funding response type. Allowable Values: `pgfs.authorization`, `pgfs.balanceinquiry`, `pgfs.authorization.incremental`, `pgfs.authorization.capture`, `pgfs.authorization.reversal`, `pgfs.auth_plus_capture`, `pgfs.refund`, `pgfs.force_capture`, `pgfs.authorization.capture.chargeback`, `pgfs.authorization.capture.chargeback.reversal`, `pgfs.pindebit.chargeback`, `pgfs.pindebit.chargeback.reversal`, `pgfs.dispute.credit`, `pgfs.dispute.debit`, `pgfs.directdeposit.credit`, `pgfs.directdeposit.debit`, `pgfs.directdeposit.credit.reversal`, `pgfs.directdeposit.debit.reversal`, `pgfs.adjustment.credit`, `pgfs.adjustment.debit`, `pgfs.auth_plus_capture.standin`, `pgfs.authorization.standin`, `pgfs.network.load`, `pgfs.original.credit.authorization`, `pgfs.original.credit.auth_plus_capture`, `pgfs.refund.authorization`, `pgfs.refund.authorization.reversal`, `pgfs.billpayment`, `pgfs.billpayment.capture`, `pgfs.billpayment.reversal`, `pgfs.authorization.account_verification`, `pgfs.product.inquiry`
business_token string Returned	Identifies the holder of the business account that was funded. Either a `user_token` or `business_token` field is present, not both. Allowable Values: Existing business token
user_token string Returned	Identifies the holder of the user account that was funded. Either a `user_token` or `business_token` field is present, not both. Allowable Values: Existing user token
acting_user_token string Returned	Identifies the user who conducted the transaction. This user can be a child user configured to share its parent’s account balance. Allowable Values: Existing user token
amount decimal Returned	Amount of funding requested. NOTE: This field’s value can differ from the transaction’s top-level `amount` field (or any other `amount` field) within the transaction. In particular, these fields will differ if the account being funded already has a positive account balance. Associated fees can also cause these fields to differ. Allowable Values: 0 min
address_verification object Conditionally returned	Contains address verification data consisting of address data entered by the cardholder, address data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: `gateway`, `issuer`, `request`
original_jit_funding_token string Conditionally returned	Unique identifier of the first associated JIT Funding message. Useful for correlating related JIT Funding messages (that is, those associated with the same GPA order). Not included in the first of any set of related messages. Allowable Values: Existing JIT Funding message token from the `jit_funding.token` field
incremental_authorization_jit_funding_tokens array of strings Conditionally returned	Array of tokens referencing the `jit_funding.token` field of all previous associated `pgfs.authorization.incremental` JIT Funding requests. This field enables you to ascertain the final transaction amount when the original amount was incremented. It is present in JIT Funding notifications of type `pgfs.authorization.capture` and `pgfs.authorization.reversal` (for partial reversals only) if the amount of the initial authorization was increased by way of a `pgfs.authorization.incremental` JIT Funding request. Allowable Values: Valid array of existing JIT Funding request tokens from the `jit_funding.token` field

The gpa_order.jit_funding.address_verification object

Fields	Description
request object Conditionally returned	Contains address verification data provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing `gpa_order.jit_funding.address_verification.request` object
issuer object Conditionally returned	Contains both address verification data held by the Marqeta platform and an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing `gpa_order.jit_funding.address_verification.issuer` object
gateway object Conditionally returned	Contains address verification data consisting of address data entered by the cardholder, address data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match. Allowable Values: `on_file`, `response`
request object Conditionally returned	Contains address verification data provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing `gpa_order.jit_funding.address_verification.request` object.

The gpa_order.jit_funding.address_verification.issuer object

Fields	Description
on_file object Conditionally returned	Contains address verification data held by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing `gpa_order.jit_funding.address_verification.issuer.on_file` object.
response object Conditionally returned	Contains an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: `code`, `memo`

The gpa_order.jit_funding.address_verification.issuer.on_file object

Fields	Description
street_address string Conditionally returned	Street address provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. This field is a concatenation of the `address1` and `address2` fields associated with the cardholder. Allowable Values: 40 char max
postal_code string Conditionally returned	Postal code provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 9 char max

The gpa_order.jit_funding.address_verification.issuer.response object

Fields	Description
code string Conditionally returned	Assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes: Code / Address / Postal Code `0000` / Match / Match `0001` / Match / Not matched `0100` / Not matched / Match `0101` / Not matched / Not matched `0200` / Data Not Present / Match `0201` / Data Not Present / Not matched `0002` / Match / Data Not Present `0102` / Not matched / Data Not Present `0303` / Not Validated / Not Validated
memo string Conditionally returned	Free-form comments included in the transaction data for authorization and authorization completion transactions. Returned depending on the merchant, card network, or product/service purchased. This field should contain additional information about address verification. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max

The gpa_order.jit_funding.address_verification.gateway object

Fields	Description
on_file object Conditionally returned	Contains address verification information. Allowable Values: `postal_code`, `street_address`, `zip`
response object Conditionally returned	Contains the Marqeta platform’s assertion as to whether its address verification data matches that provided by the cardholder. Allowable Values: `additional_information`, `code`, `memo`

The gpa_order.jit_funding.address_verification.gateway.on_file object

Fields	Description
jit_funding.address_verification.gateway.on_file.postal_code string Conditionally returned	Postal code provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 10 char max
jit_funding.address_verification.gateway.on_file.street_address string Conditionally returned	Street address provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. This field is a concatenation of the `address1` and `address2` fields associated with the cardholder. Allowable Values: 40 char max
jit_funding.address_verification.gateway.on_file.zip string Conditionally returned	United States ZIP code of the address. Allowable Values: 10 char max

The gpa_order.jit_funding.address_verification.gateway.response object

Fields	Description
jit_funding.address_verification.gateway.response.code string Returned	Assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes: Code / Address / Postal Code `0000` / Match / Match `0001` / Match / Not matched `0100` / Not matched / Match `0101` / Not matched / Not matched `0200` / Data Not Present / Match `0201` / Data Not Present / Not matched `0002` / Match / Data Not Present `0102` / Not matched / Data Not Present `0303` / Not Validated / Not Validated
jit_funding.address_verification.gateway.response.memo string Returned	Information on the outcome of the attempted transaction type. Allowable Values: 255 char max

The gpa_order.jit_funding.address_verification.request object

Fields	Description
street_address string Conditionally returned	Street address provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 40 char max
postal_code string Conditionally returned	Postal code provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 9 char max

The gpa_order_unload.jit_funding object

Fields	Description
token string Returned	Identifies the JIT Funding notification. Allowable Values: Matches the `funding.gateway_log.transaction_id` field of the associated GPA order. Note that the `transaction_id` field updates if a subsequent JIT Funding message associated with that GPA order is sent. If multiple JIT Funding messages are associated with the same GPA order, the `transaction_id` field matches the token of the most recent message.
method string Returned	Identifies the JIT Funding notification type. Allowable Values: `pgfs.adjustment.debit`, `pgfs.authorization.capture.chargeback`, `pgfs.refund`, `pgfs.refund.authorization.reversal`
business_token string Returned	Identifies the holder of the account that was JIT funded. Either a `user_token` or `business_token` field is present, not both. Allowable Values: Existing business token
user_token string Returned	Identifies the holder of the account that was JIT funded. Either a `user_token` or `business_token` field is present, not both. Allowable Values: Existing user token
acting_user_token string Returned	Identifies the user who conducted the transaction. This user can be a child user configured to share its parent’s account balance. Allowable Values: Existing user token
amount decimal Returned	Requested amount of JIT Funding. NOTE: This field’s value can differ from the transaction’s top-level `amount` field (or any other `amount` field) within the transaction. In particular, these fields will differ if the account being funded already has a positive balance. Associated fees can also cause these fields to differ. Allowable Values: 0 min
original_jit_funding_token string Conditionally returned	The token of the first associated JIT Funding message. This enables you to correlate related JIT Funding messages (that is, those associated with the same GPA order). This field is not included in the first of any set of related messages. Allowable Values: Existing JIT Funding message token (from the `jit_funding.token` field)

Sample notification

JSON

{
     "type": "authorization",
     "state": "PENDING",
     "token": "3fce1245-6fc8-4da6-aab2-0fb43b8a5c85",
     "user_token": "b2d2c739-a9fe-4af0-9f34-964aae4c3e31",
     "acting_user_token": "b2d2c739-a9fe-4af0-9f34-964aae4c3e31",
     "card_token": "72e72093-f7cb-45fc-aec0-35523eb52c15",
     "gpa": {
         "currency_code": "USD",
         "ledger_balance": 10.00,
         "available_balance": 0.00,
         "credit_balance": 0.00,
         "pending_credits": 0.00,
         "impacted_amount": -10.00,
         "balances": {
             "USD": {
                 "currency_code": "USD",
                 "ledger_balance": 10.00,
                 "available_balance": 0.00,
                 "credit_balance": 0.00,
                 "pending_credits": 0.00,
                 "impacted_amount": -10.00
             }
         }
     },
     "gpa_order": {
         "token": "097f4264-54f0-4c1d-8f5c-a85b2f83d787",
         "amount": 10.00,
         "created_time": "2022-07-10T18:13:26Z",
         "last_modified_time": "2022-07-10T18:13:26Z",
         "transaction_token": "0ca8d264-6f6b-46fa-a6f7-21ec6342a76e",
         "state": "PENDING",
         "response": {
             "code": "0000",
             "memo": "Approved or completed successfully"
         },
         "funding": {
             "amount": 10.00,
             "source": {
                 "type": "programgateway",
                 "token": "**********4ebf",
                 "active": true,
                 "name": "PGFS for simulating transactions",
                 "is_default_account": false,
                 "created_time": "2022-07-10T18:13:25Z",
                 "last_modified_time": "2022-07-10T18:13:25Z"
             },
             "gateway_log": {
                 "order_number": "3fce1245-6fc8-4da6-aab2-0fb43b8a5c85",
                 "transaction_id": "your-jit-funding-token",
                 "message": "Approved or completed successfully",
                 "duration": 244,
                 "timed_out": false,
                 "response": {
                     "code": "200",
                     "data": {
                         "jit_funding": {
                             "token": "your-jit-funding-token",
                             "method": "pgfs.authorization",
                             "user_token": "your-jit-funding-user",
                             "amount": 10.00,
                             "original_jit_funding_token": "your-jit-funding-token"
                         }
                     }
                 }
             }
         },
         "funding_source_token": "**********4ebf",
         "jit_funding": {
             "token": "b6086727-1513-419e-8b11-c550572274ce",
             "method": "pgfs.authorization",
             "user_token": "b2d2c739-a9fe-4af0-9f34-964aae4c3e31",
             "acting_user_token": "b2d2c739-a9fe-4af0-9f34-964aae4c3e31",
             "amount": 10.00
         },
         "user_token": "b2d2c739-a9fe-4af0-9f34-964aae4c3e31",
         "currency_code": "USD"
     },
     "duration": 426,
     "created_time": "2022-07-10T18:13:26Z",
     "user_transaction_time": "2022-07-10T18:13:26Z",
     "settlement_date": "2022-07-10T00:00:00Z",
     "request_amount": 10.00,
     "amount": 10.00,
     "issuer_interchange_amount": 0.00,
     "currency_code": "USD",
     "approval_code": "736660",
     "response": {
         "code": "0000",
         "memo": "Approved or completed successfully"
     },
     "network": "VISA",
     "subnetwork": "VISANET",
     "acquirer_fee_amount": 0.00,
     "acquirer": {
         "system_trace_audit_number": "035956"
     },
     "user": {
         "metadata": {}
     },
     "card": {
         "metadata": {}
     },
     "card_security_code_verification": {
         "type": "CVV1",
         "response": {
             "code": "0000",
             "memo": "Card security code match"
         }
     },
     "fraud": {
         "network": {
             "transaction_risk_score": 86,
             "account_risk_score": 2
         }
     },
     "card_acceptor": {
         "mid": "11111",
         "mcc": "6411",
         "name": "Aegis Fleet Services",
         "street_address": "111 Main St",
         "city": "Berkeley",
         "state": "CA",
         "postal_code": "94702",
         "country_code": "USA"
     },
     "pos": {
         "partial_approval_capable": true,
         "purchase_amount_only": false,
         "is_recurring": false
     }
 }

Reconciliation with custom mapping

Through customization of the JIT Funding response, you can facilitate end-to-end reconciliation of JIT Funding-related activities in your system. The JIT Funding response originates from your system. The response contains two optional fields that you can use to inject custom metadata from your system into your JIT Funding-enabled authorization and authorization completion transactions. This mechanism enables you to map elements of your system (such as order numbers, invoice numbers, loan identifiers) to purchases (as represented by transactions).

Note
These two optional fields only appear in the transaction notifications for certain transaction events: authorizations and authorization completion.

The following sample code snippet shows these two optional fields in the JIT Funding response. The tags field is intended for holding a comma-delimited list of tags, whereas the memo field is intended for holding a free-form note containing additional information you would like included in your transaction data. Do not put personally identifiable information (PII) data here.

JSON

{
  "jit_funding": {
    ...
    "tags": "travel, gas, 32.45, vegas",
    "memo": "Order # 12345 -  Funding for employee M.Jones. $32.45 in gas for conference in Vegas."
  }
}

The authorization or authorization completion transaction stores the custom metadata contained in these fields for access throughout the transaction’s lifecycle. You can access this metadata via webhook notifications or by querying the /transactions endpoint (see Webhooks and Transactions). The following sample code snippet shows these fields in the context of a transaction:

JSON

{
  "token": "8f5067b5-9c04-4ecb-818e-3c215182b935",
  "type": "authorization",
  "state": "PENDING",
  "duration": 502,
  "amount": 9.88,
  "response": {
    "code": "0000",
    "memo": "Approved or completed successfully"
  },
  // ... snip ...
  "gpa_order": {
    // ... snip ...
      "gateway_log": {
        "message": "Approved or completed successfully",
        "duration": 377,
        "order_number": "8984484",
        "transaction_id": "4674c07b-23f7-45a5-bc04-95efdc2fe45b",
        "timed_out": false,
        "response": {
          "code": "200",
          "data": {
            "jit_funding": {
              "token": "4674c07b-23f7-45a5-bc04-95efdc2fe45b",
              "method": "pgfs.authorization",
              "amount": 9.88,
              "user_token": "132076",
              "tags": "travel, gas, 32.45, vegas",
              "memo": "Order # 12345 -  Funding for employee M.Jones. $32.45 in gas for conference in Vegas."
            }
          }
        }
      }
    // ... snip ...
  // ... snip ...
}

​The jit_funding object

​JIT Funding requests

​Partial approval

​Headers

​The gpa_order.jit_funding object

​The gpa_order.jit_funding.address_verification object

​The gpa_order.jit_funding.address_verification.request object

​The gpa_order.jit_funding.address_verification.issuer object

​The gpa_order.jit_funding.address_verification.issuer.on_file object

​The gpa_order.jit_funding.address_verification.issuer.response object

​Sample request (returned fields)

​Sample request (with selection of conditionally returned fields)

​Sample request for account verification

​JIT Funding responses

​Approving or denying the request

​Response body field details

​The jit_funding object

​The jit_funding.address_verification.gateway object

​The jit_funding.address_verification.gateway.on_file object

​The jit_funding.address_verification.gateway.response object

​The jit_funding.balances object

​Sample responses for authorizations

​Sample response for balance inquiries

​Sample response for an ATM withdrawal

​JIT Funding notifications

​The gpa_order.jit_funding object

​The gpa_order.jit_funding.address_verification object

​The gpa_order.jit_funding.address_verification.issuer object

​The gpa_order.jit_funding.address_verification.issuer.on_file object

​The gpa_order.jit_funding.address_verification.issuer.response object

​The gpa_order.jit_funding.address_verification.gateway object

​The gpa_order.jit_funding.address_verification.gateway.on_file object

​The gpa_order.jit_funding.address_verification.gateway.response object

​The gpa_order.jit_funding.address_verification.request object

​The gpa_order_unload.jit_funding object

​Sample notification

​Reconciliation with custom mapping

The jit_funding object

JIT Funding requests

Partial approval

Headers

The gpa_order.jit_funding object

The gpa_order.jit_funding.address_verification object

The gpa_order.jit_funding.address_verification.request object

The gpa_order.jit_funding.address_verification.issuer object

The gpa_order.jit_funding.address_verification.issuer.on_file object

The gpa_order.jit_funding.address_verification.issuer.response object

Sample request (returned fields)

Sample request (with selection of conditionally returned fields)

Sample request for account verification

JIT Funding responses

Approving or denying the request

Response body field details

The jit_funding object

The jit_funding.address_verification.gateway object

The jit_funding.address_verification.gateway.on_file object

The jit_funding.address_verification.gateway.response object

The jit_funding.balances object

Sample responses for authorizations

Sample response for balance inquiries

Sample response for an ATM withdrawal

JIT Funding notifications

The gpa_order.jit_funding object

The gpa_order.jit_funding.address_verification object

The gpa_order.jit_funding.address_verification.issuer object

The gpa_order.jit_funding.address_verification.issuer.on_file object

The gpa_order.jit_funding.address_verification.issuer.response object

The gpa_order.jit_funding.address_verification.gateway object

The gpa_order.jit_funding.address_verification.gateway.on_file object

The gpa_order.jit_funding.address_verification.gateway.response object

The gpa_order.jit_funding.address_verification.request object

The gpa_order_unload.jit_funding object

Sample notification

Reconciliation with custom mapping