> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.
# Gateway JIT Funding Messages
> Learn about Gateway Just-in-Time Funding messages sent by the Marqeta platform and how to respond to them appropriately.
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](/developer-guides/about-jit-funding/). For all transaction response fields, see [Transactions](/core-api/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](/developer-guides/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](/core-api/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.
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 JSON expandable lines wrap theme={null}
{
"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 JSON expandable lines wrap theme={null}
{
"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 JSON expandable lines wrap theme={null}
{
"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 JSON expandable lines wrap theme={null}
{
"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 JSON lines wrap theme={null}
{
"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 JSON lines wrap theme={null}
{
"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 JSON lines wrap theme={null}
{
"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](/developer-guides/about-webhooks/). 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 JSON expandable lines wrap theme={null}
{
"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 JSON lines wrap theme={null}
{
"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](/developer-guides/about-webhooks/) and [Transactions](/core-api/transactions/)). The following sample code snippet shows these fields in the context of a transaction:
```json JSON expandable lines wrap theme={null}
{
"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 ...
}
```