> ## 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.
# Card Network Certifications 2023
> Learn about the certifications earned by Marqeta for each of the supported card networks.
October 2023
Visa network certification
The Marqeta platform is certified with the October 2023 VisaNet Business Enhancements, effective 14 October 2023.
Marqeta changes to support this release of Visa
Article 2.2 — Mandatory changes to Visa Resolve Online
The Marqeta platform supports VisaNet Business Enhancement article 2.2, which implements Visa Resolve Online (VROL) version 23.2.
VROL version 23.2 includes mandatory changes to the Disputes questionnaire as well as to processing rules.
For detailed descriptions of the changes to the Marqeta platform to support this article, see [Processing changes for Visa disputes](/developer-guides/release-notes-2023/#_processing_changes_for_visa_disputes).
Visa changes with no impact on Marqeta
Article 2.7 — Changes to Exception File processing, new clearing file, and mandated use of the Visa Account Screen
The Marqeta platform supports VisaNet Business Enhancement article 2.7, which renames the Exception File and requires issuers to support the new Visa Account Screen, including automatic enrollment in the Automatic Cardholder Database Update (Auto-CDB) service.
No public-facing changes to the Marqeta platform were necessary to support this mandate.
Article 2.9 — Support for Visa Direct fraud reporting
The Marqeta platform supports VisaNet Business Enhancement article 2.9, which requires issuers to submit fraud reports on account funding transactions (AFTs).
No changes to the Marqeta platform were necessary to support this mandate.
Article 3.6 — Original credit transaction data must include merchant city
The Marqeta platform supports VisaNet Business Enhancement article 3.6, which requires that original credit transaction (OCT) payloads include a populated merchant address. You can see this address information in the `original_credit.sender_city` field in the transaction payload.
No changes to the Marqeta platform were necessary to support this mandate.
Mastercard network certification
The Marqeta platform is certified on Mastercard Release 23.Q4, effective 7 November 2023.
Marqeta changes to support this release of Mastercard
AN 7112 — Accountholder Authentication Value Verification Service enhancement
The Marqeta platform supports Mastercard article AN 7112, which enhances the On-behalf Service (OBS) 05 Mastercard Identity Check AAV (Accountholder Authentication Value) Verification Service and OBS 06 Mastercard Identity Check AAV Verification in Stand-In Processing with a new service result value. The new value indicates that the AAV is incorrectly formatted.
To reflect this change, Marqeta now includes a new value of `not_verified_formatting_error` in the `cardholder_authentication_data.verification_result` field in transaction response payloads.
Mastercard changes with no impact on Marqeta
AN 6791 — New digital commerce solutions indicators
The Marqeta platform supports Mastercard article AN 6791, which introduces new digital commerce solutions indicators.
No changes to the Marqeta platform were necessary to support this mandate.
AN 7108 — Increased Fraud Notification Service chargeback counters
The Marqeta platform supports Mastercard article AN 7108, which increases the Fraud Notification Service chargeback counter from 15 to 35. This change increases your chargeback opportunities when you are trying to recover losses to fraud.
No changes to the Marqeta platform were necessary to support this mandate.
AN 7402 — Account status inquiry enhanced to enable name validation
The Marqeta platform supports Mastercard article AN 7402, which enhances account status inquiries to enable name validation in a future Mastercard release.
No changes to the Marqeta platform were necessary to support this mandate.
AN 7404 — Mastercard Send enhanced to support additional service results
The Marqeta platform supports Mastercard article AN 7404, which enhances Mastercard Send to include new reason codes and descriptions for declined Funding, Moneysend Payment, and Gaming and Gambling Payments transactions that exceeded the Mastercard Send program limits.
No changes to the Marqeta platform were necessary to support this mandate.
AN 7404 — Repurposing advice detail codes
The Marqeta platform supports Mastercard article AN 7405, which repurposes two unused advice detail code values for Account Balance Listing and Dynamic Decisioning during a network stand-in processing event.
No changes to the Marqeta platform were necessary to support this mandate.
AN 7413 — Updated message reason code in multi-clearing scenarios
The Marqeta platform supports Mastercard article AN 7413, which changes the message reason code data element from optional to conditional in multi-clearing scenarios, and adds new message reason codes for first presentment messages.
No changes to the Marqeta platform were necessary to support this mandate.
Pulse network certification
The Marqeta platform is certified on Pulse Release R23.2, v1.0, effective 8 October 2023. No changes to the Marqeta platform were necessary to support this certification.
April 2023
Visa network certification
The Marqeta platform is certified with the April 2023 VisaNet Business Enhancements, effective 23 April 2023.
Marqeta changes to support this release of Visa
Article 2.2 — Support for Visa Resolve Online 23.1
The Marqeta platform supports VisaNet Business Enhancement article 2.2, which implements Visa Resolve Online (VROL) version 23.1. VROL 23.1 includes new Compelling Evidence 3.0 rules, with updates to the pre-dispute and post-dispute services.
For information about Marqeta’s support for Visa disputes, including Compelling Evidence 3.0 rules, see [Managing Visa Disputes (Beta)](/developer-guides/managing-visa-disputes/).
Article 2.5 — Change to minor units for Icelandic krona
The Marqeta platform supports VisaNet Business Enhancement article 2.5, which changes the minor units for the Icelandic krona from two to zero per the ISO standard.
Article 3.6 — Changes to address verification service codes
The Marqeta platform supports VisaNet Business Enhancement article 3.6, which removes redundant address certification service (AVS) code values that are sent to the card network.
No public-facing changes to the Marqeta platform were necessary to support this mandate.
Visa changes with no impact on Marqeta
Article 1.1 — Support account funding transactions in Canada, CEMEA, LAC, and US regions
The Marqeta platform supports VisaNet Business Enhancement article 1.1, which requires issuers to support domestic and cross-border account funding transactions (AFTs) in the regions of Canada; Central Europe, Middle East, and Africa (CEMEA); Latin America and Caribbean (LAC); and the United States (US).
No changes to the Marqeta platform were necessary to support this mandate.
Article 2.8 — Expands estimated and incremental authorization to all MCCs for purchase transactions
The Marqeta platform supports VisaNet Business Enhancement article 2.8, which allows merchants to use estimated and incremental authorizations for purchase transactions at all MCCs, excluding certain transactions.
No changes to the Marqeta platform were necessary to support this mandate.
Article 2.13 — New merchant category codes (MCC)
The Marqeta platform supports VisaNet Business Enhancement article 2.13, which adds a new lodging MCC and a new store MCC.
No changes to the Marqeta platform were necessary to support this mandate.
| MCC | Merchant Name | Required Name in VisaNet |
| ---- | --------------- | ------------------------ |
| 3839 | Kyoritsu Hotels | KYORITSUHOTELS |
Article 3.8 — Changes to support card-present data elements in original credit transactions (OCTs)
The Marqeta platform supports VisaNet Business Enhancement article 3.8, which sends card-present data fields to issuers in the Europe and US regions in OCTs initiated for cash deposits and gambling payouts.
No changes to the Marqeta platform were necessary to support this mandate.
Article 3.9 — Coming support for additional account name inquiries
The Marqeta platform will support VisaNet Business Enhancement article 3.9 in the October 2023 release, which introduces the ability to match on a cardholder’s first, middle, and last names separately.
Article 3.16 — Changes to token provisioning for deleted device tokens
The Marqeta platform supports VisaNet Business Enhancement article 3.16, which implements changes to the token provisioning process so that when a device token is deleted and the cardholder provisions the same PAN back to the same device, the original token will be returned to the device.
No changes to the Marqeta platform were necessary to support this mandate.
Article 5.7 — Visa Direct velocity limits and maximum transaction amount increases
The Marqeta platform supports VisaNet Business Enhancement article 5.7, which increases the default maximum transaction amounts and velocity limits for OCTs and AFTs in the regions of Canada, LAC, and the US.
No changes to the Marqeta platform were necessary to support this mandate.
Mastercard network certification
The Marqeta platform is certified on Mastercard Release 23.Q2, effective April 2023.
Marqeta changes to support this release of Mastercard
AN 6022 — New transaction data elements
The Marqeta platform supports Mastercard Release 23.Q2 AN 6022, which introduces three new transaction data elements in the `card_acceptor` object: `customer_service_phone`, `phone`, and `url`.
AN 6788 — Change to minor units for Icelandic krona
The Marqeta platform supports Mastercard Release 23.Q2 AN 6788, which changes the minor units for the Icelandic krona from two to zero per the ISO standard.