October 2021
Visa network certification
The Marqeta platform is certified with the October 2021 VisaNet Business Enhancements, effective October 2021.Marqeta changes to support this release of Visa
Theoriginal_credit object for Visa OCTs now includes the transaction_purpose field in JIT gateway messages, webhooks, and GET /transactions API responses.
For detailed information about this field, see the original_credit object in Transactions.
Visa now requires issuers in Europe to support the Acceptance Environment Authentication Outage indicator field and values. The Acceptance Environment Authentication Outage indicator shows that authentication was attempted for a transaction, but there was an outage in the authentication flow between the merchant, gateway 3D Secure server, and the Visa Directory Server. In such cases, authentication requests fail.
To support Visa’s Acceptance Environment Authentication Outage indicator, Marqeta now includes a new enumerated value in the cardholder_authentication_data.verification_result field: not_verified_authentication_outage.
For detailed information about this new enumerated value, see the cardholder_authentication_data object in Transactions.
The original_credit object now includes the deferred_hold_by field in JIT gateway messages, webhooks, and GET /transactions API responses. This field is included to support changes Visa has made to deferred OCT processing. The original_credit object includes the deferred_hold_by field when OCTs are deferred by the acquirer or Visa.
For detailed information about this new field, see the original_credit object in Transactions.
Marqeta now sends a new transaction response code to indicate declines on card-not-present transactions that fail CVV2 validation: 1915: Invalid CVV2.
Mastercard network certification
The Marqeta platform is certified on Mastercard Release 21.Q4, effective October 2021.Marqeta changes to support this release of Mastercard
Mastercard has increased the availability of the Payment Account Reference (PAR) to help link Mastercard Primary Account Number (PAN)-based transactions to associated payment token transactions without using the PAN as the linkage mechanism. Marqeta now stores the PAR value sent for both PAN-based and token-based transactions to our database for future reporting and inclusion in webhooks. Effective 2 November 2021, Mastercard implements a new Decline Reason Code Service and best practices for CVC2 decline response codes. Marqeta supports this new Decline Reason Code Service and follows the best practices specified by Mastercard. To support these changes, Marqeta now sends a new transaction response code:1915: Invalid CVV2.
For detailed information about transaction response codes, see the response codes table.
Mastercard now lets merchants use MoneySend Payments to issue fast refunds. Participating merchants can inform cardholders that funds will be available in near real time on either the card that was used for the original purchase transaction or on a different card.
Marqeta includes two new enumerated values for the original_credit.transaction_purpose field to indicate MoneySend Payments refund: refund_to_original_card and refund_to_new_card.
For detailed information about these new enumerated values, see the original_credit object in Transactions.
Point-of-sale (POS) terminals support offline processing for air travel transactions, service maintenance, technological interruptions stemming from inclement weather, and so on. Mastercard now indicates such deferred authorizations to inform issuers when authorization requests are sent on a deferred basis to account for any discrepancy between the time when the transaction occurred and the time when the authorization request was received.
To support Mastercard’s deferred authorization indicators, Marqeta now includes the field is_deferred_authorization in the transaction_metadata object in webhooks and GET /transactions API responses.
For detailed information about the is_deferred_authorization field, see the transaction_metadata object in Transactions.
Mastercard changes with no impact on Marqeta
Effective October 2021, Mastercard enhanced the Single Message System to send an Acquirer Reversal Advice/0420 message for timeouts on the Financial Transaction Request Response/0210 message for stand-in enabled issuers. Sending an Acquirer Reversal Advice/0420 message for timeout conditions on a Financial Transaction Request Response/0210 message helps issuers and processors better track financial transactions when the customer has opted in for stand-in services. Mastercard enhanced the Single Message System to send an Acquirer Reversal Advice/0420 message when the Single Message System detects a timeout condition on the Financial Transaction Request Response/0210 message from the issuer. For customers that have opted in for stand-in services, the Single Message System will send the Acquirer Reversal Advice/0420 message during Store-and-Forward (SAF) processing to align with current processing for customers that have not opted in for stand-in service. Effective October 2021, Mastercard accelerated the processing of clearing data by introducing additional clearing cycle cutoffs to allow clearing data to be processed and shared faster, enabling faster transaction posting for consumers and faster funds availability for merchants.April 2021
Visa Network Certification
The Marqeta platform is certified with the April 2021 VisaNet Business Enhancements, effective April 2021.Marqeta changes to support this release of Visa
The April 2021 VisaNet Business Enhancements include new extended stand-in processing reason codes. Marqeta captures these new codes for future use, but does not include them in webhooks at this time. With the April 2021 VisaNet Business Enhancements, Visa now sends return authorization messages to issuers and cardholders when merchants process return transactions. When Visa uses stand-in processing for a return authorization, it sends the response code9038 — Merchandise return authorization processed in STIP.
Visa will always decline a return authorization on prepaid non-reloadable cards.
Visa changes with no impact on Marqeta
The following changes in the April 2021 VisaNet Business Enhancements do not affect you or the Marqeta platform, and are presented here for information purposes only. The April 2021 VisaNet Business Enhancements include the new stand-in processing reason code9064 — Transaction declined, invalid payment channel for card type to identify a merchant-initiated transaction for an installment or recurring payment on a non-reloadable prepaid card. This new code maps to the normalized value others in the standin_reason field of transaction webhooks.
The April 2021 VisaNet Business Enhancements include the new business application identifier (BAI) for cash deposits: CD. This BAI is normalized as original_credit.transaction_type = cash_deposit in Marqeta webhooks.
The April 2021 VisaNet Business Enhancements include processing rules for declined transactions that do not meet credit settlement risk criteria, as well as one new and one redefined reason code:
-
New code:
9303 — Exceeds acquirer settlement risk exposure cap -
Redefined code:
9302 — Exceeds issuer settlement risk exposure cap
Mastercard network certification
The Marqeta platform is certified on Mastercard Release 21.Q2, effective April 2021.Marqeta changes to support this release of Mastercard
Mastercard Release 21.Q2 enhances MoneySend and account funding transactions. To support these enhancements, Marqeta now includes thetransaction_purpose element in the transactions.original_credit object.
You can see these new elements and objects in Transactions.