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If you have enabled Gateway Just-in-Time (JIT) Funding for your program, the Marqeta platform sends funding requests to your system for each transaction. Some transaction types, such as authorizations, are actionable, meaning your system must respond programmatically to the request and approve or deny the funding. Other transaction types, such as refunds or reversals, are informative only, meaning your system receives a funding notification but does not need to send a response. To aid in your system’s decisioning process, the Marqeta platform includes data in the request about the transaction being funded. This data describes aspects of the transaction that indicate to your system whether it is advisable to approve or deny the funding request. The message sent to your JIT Funding gateway endpoint includes the following key objects for decisioning:
  • jit_funding
  • fraud
  • cardholder_authentication_data
  • card_security_code_verification
  • transaction_metadata
In addition to your system’s programmatic responses to JIT Funding requests, you can configure the following restrictions for your program on the Marqeta platform:
  • Spend controls — Limits when, where, and how much a user can spend with their card. For more information, see Controlling Spending.
  • Address Verification System (AVS) — Verifies that the address provided by the cardholder matches the address on file. For more information, see About Address Verification.
The Marqeta platform processes these restrictions before sending a JIT Funding request to your gateway endpoint.

JIT Funding

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.

Actionable transaction types

Your system must programmatically approve or deny JIT Funding requests for the following types of transactions:
  • pgfs.authorization
  • pgfs.authorization.incremental
  • pgfs.auth_plus_capture
  • pgfs.billpayment
  • pgfs.billpayment.capture
  • pgfs.original.credit.authorization
  • pgfs.original.credit.auth_plus_capture
For more information about the jit_funding object, as well as the differences between actionable and informative transaction types, see Gateway JIT Funding Messages.

Fraud

The fraud object contains fraud-related data elements from the card network and the Marqeta platform when Real-Time Decisioning is enabled.

issuer_processor object

The issuer_processor object is part of the fraud object in the /transactions endpoint.

riskcontrol_tags object

Note
This object will be deprecated in the future. Instead, use the triggered_rules object.
When a rule from your own custom-defined operational models is triggered, it generates a tag for your downstream actions. This information, including the tag, rule name, and associated multiple values, is contained in the riskcontrol_tags object as part of the fraud object in the /transactions endpoint.

triggered_rules object

This object provides a list of rules triggered by a fraud event along with the information on tags and rule characteristics.

tags object

This object provides a list of tags along with the names and values defined in the triggered rules. The following code block shows a sample fraud object as it would appear in a JIT Funding request:
JSON

Cardholder authentication data

The cardholder_authentication_data object contains information about additional authentication performed for e-commerce transactions. For example, a transaction participant (such as the card network) can request additional verification during the transaction process, such as the cardholder’s name or date of birth. The following code block shows a sample cardholder_authentication_data object as it would appear in a JIT Funding request:
JSON

Card network field data for cardholder authentication

We include these tables of cardholder authentication field data for the Mastercard and Visa card networks to help clarify the cardholder authentication data results you may see in JIT Funding transactions.

Mastercard field data

This table shows cardholder authentication field data from the Mastercard network.

Visa field data

This table shows cardholder authentication field data from the Visa network.

Card security code verification

The card_security_code_verification object contains information about a verification check performed on the card’s security code. The type field indicates the type of security code and can have the following possible values:
  • CVV1 – The security code stored in the magnetic stripe on the card.
  • CVV2 – The security code printed on the card.
  • ICVV – The security code stored on the chip of the card.
  • DCVV – A dynamic security code used in some contactless payments when a card or device is tapped on the card reader.
The response.code field indicates whether the verification check passed and can have one of the following values:
  • 0000 – Passed
  • 0001 – Did not pass
The following code block shows a sample card_security_code_verification object as it would appear in a JIT Funding request:
JSON

Transaction metadata

The transaction_metadata object contains additional merchant-provided details about a transaction. It also includes sub-objects for more detailed information about transit and air travel purchases.
Note
Transaction metadata is only included when provided by the merchant.
The transaction_metadata.transit object can contain the following fields related to transportation other than air travel: The transaction_metadata.airline object can contain the following fields related to air travel: The following code block shows a sample of the transaction_metadata object as it would appear in a JIT Funding request:
JSON

Marqeta state and territorial identifiers

Marqeta may send you a numeric United States state or territorial identifier rather than an alpha-2 abbreviations in your JIT Funding requests. The following table maps the numeric identifiers to their corresponding alpha-2 abbreviations and state or territorial names.