Data Products and Insights

Data Products and Insights provides several reports for improving the customer experience for your cardholders. These reports include the following:

Report	Description
Bank Files	Provides partner banks with daily cardholder activity and compliance information. See Bank Files.
Authorization and Clearing Comparison Detail	Links authorizations to clearing details. See Authorization and Clearing Comparison Detail.
Quarterly Network Reports	Provides programs with access to quarterly reporting for Visa and Mastercard. See Quarterly Network Reports.

To take advantage of any of these reports, contact your Marqeta representative.

Bank Files

Data Products and Insights provides Bank Files, which are records of all activity and incremental adjustments that have occurred for transactions, accounts, and cards. Bank Files are sent to partners and customers daily, and the transfer methods used to download Bank Files are PCI-compliant.

Accessing Bank Files

To access Bank Files:

Go to the Marqeta Dashboard.

Select Data & Insights in the upper-left corner.

Select Reports in the sidebar.

Select Insights - Bank Files.

Use cases

This report provides banks with program details to facilitate money movement and monitor activity and cardholder demographics in order to comply with BSA/AML and KYC/KYB regulations.

Download bank files

To do this in the Marqeta Dashboard:

Select Data & Insights in the upper-left corner, then select Reports in the sidebar.

From the dropdown list at the top, select Insights - Bank Files.

Select Customize Report and ensure that you have no filters selected.

Select the report you would like to run.

Select the date range.

Select Download Current Report at the top right. The system prompts you with an option to either download it as a .csv or .csv.gz file.

To do this using the DiVA API, use the following cURL command:

cURL

curl --location 'https://diva-api.marqeta.com/data/v2/views/bankfiles/postedtransactions?'
\--header 'Content-Type: application/json'
\-u "login:password"

Authorization and Clearing Comparison Detail

The Authorization and Clearing Comparison Detail report links authorizations to clearing details. This report significantly reduces the time required to identify the clearing differences per transaction. The Authorization and Clearing Comparison report provides insights into all cleared Signature transactions comparing the initial authorized amount vs the amount cleared. The primary use case of this report is to identify fraudulent transactions where merchants or cardholders increase the amount to be cleared outside of the cardholder’s consent (for example, tips) or the cost of the goods.

Accessing the report

Go to the Marqeta Dashboard.

Select Data & Insights in the upper-left corner.

Select Reports in the sidebar.

Select Insights - Authorizations and Clearing Comparison Detail.

The Authorizations and Clearing Comparison Detail report includes the following fields:

Field	Description
Program	The name of the card program.
Bank	The bank under which the program operates.
Currency	The abbreviated currency code.
Network	The card network on which a transaction took place.
Sub Network	The subnetwork used by a transaction (VisaPlus, VisaNet, VisaInterlink, VisaNet Debit, Maestro, Cirrus, or Pulse).
Network Type	The network type for the transaction: Pindebit or Signature
Authorization Date	The date a transaction was authorized.
Post Date	The date a transaction was posted by the network.
Initiating Transaction Token	The token identifying the initial transaction in a chain of transactions (usually an authorization).
Transaction Status	The status of the transaction.
Merchant	The merchant associated with the transaction; where a transaction took place.
Clean Merchant	A human-readable merchant name when available.
Merchant Country	The country of a merchant location where a transaction has taken place.
Merchant State	The state or province of a merchant location where a transaction has taken place.
Merchant City	The city of a merchant location where a transaction has taken place.
Merchant Category Code	The merchant category code (MCC) associated with a transaction.
Merchant Category Code Group	The merchant category code (MCC) group associated with a transaction.
Acting User Token	The unique user token of a cardholder. This can be seen in the user view and transaction level views.
Acting Card Token	The token identifying a card within a card program. This can be seen in the cards view and transaction level views.
Amount at point of Authorization	The authorized amount or sum total amount of multiple, relevant authorizations.
Cleared Amount	The amount of cleared per transaction.
Delta Amount	The delta amount, calculated by subtracting Authorized Amount from Cleared Amount.
Delta percentage	The delta amount, calculated by subtracting Authorized Amount from Cleared Amount in percentage compared to initial Authorized Amount.
Core Api Initiating Transaction Token	The token of the initiating Core API transaction.
Shard Id	The program Shard Id.
Report Load Timestamp	UTC time when the record was loaded into Marqeta’s reporting system.

Use cases

This report has multiple use cases to reduce operational time to derive information and socialize fraud activity. Described are some typical use cases.

Identify daily early signs of bad merchant behavior and stop suspected fraud by updating velocity controls and declining transactions at that merchant.
Detect and investigate suspected fraudulent merchants or cardholders early on.
Review behavior of card products that may regularly add on to the authorized amount in the form of tips or increased price of goods.

How to use the Authorizations and Clearing Comparison Detail report

To identify anomalies or large deltas between authorizations and clearing amounts, review the Amount at point of Authorization, Cleared Amount, Delta Amount, and Delta percentage fields. Use the following steps to create and save a report that includes this information:

Select Customize report.

Under Filter:

Select Delta Percentage > and enter the value 20.
Select Network Type, select =, and then enter Signature.

Under Sort, select Delta Percentage and then select DESC

In the Date Range Selector, choose your desired date range (Last 7 Days recommended).

Select the Three Vertical Dots button in the upper-right corner and then select Save current report.

DiVA API

To generate this report using the DiVA API, send a request to the https://diva-api.marqeta.com/data/v2/views/authorizationclearing/detail endpoint as in the following example:

cURL

curl --location 'https://diva-api.marqeta.com/data/v2/views/authorizationclearing/detail?program=my_program&fields=acting_card_token,authorized_amount,auth_cleared_delta_percentage' \
--header 'https://diva-api.marqeta.com/data/v2/views/authorizationclearing/detail' \
-u "login:password"

Sample JSON response

JSON

{
    "total": 4,
    "is_more": false,
    "count": 0,
    "info": {},
    "start_date": null,
    "end_date": null,
    "last_load_time": "2023-10-25T19:32:21Z",
    "estimated_next_load_time": "2023-10-26T08:40:53Z",
    "schema": [
        {
            "field": "acting_card_token",
            "type": "character varying(128)",
            "display": "Acting Card Token",
            "description": "The token identifying a card within a card program. This can be seen in the cards view and transaction level views.",
            "units": null,
            "has_total": false,
            "is_filter_only": false
        },
        {
            "field": "authorized_amount",
            "type": "numeric(14,2)",
            "display": "Amount at point of Authorization",
            "description": "The amount the transaction was authorized for. Matches Transaction Amount column in Authorizations Detail",
            "units": null,
            "has_total": false,
            "is_filter_only": false
        },
        {
            "field": "auth_cleared_delta_percentage",
            "type": "numeric(14,2)",
            "display": "Delta Percentage",
            "description": "The percentage that the Auth Cleared Delta is compared to the initial Authorized Amount. The value listed is a percentage. e.g. 100 = 100%",
            "units": null,
            "has_total": false,
            "is_filter_only": false
        },
        {
            "field": "program",
            "type": "character varying(128)",
            "display": "Program",
            "description": "The name of the card program.",
            "units": null,
            "has_total": false,
            "is_filter_only": false
        }
    ],
    "records": [
        {
            "acting_card_token": "acting_card_token",
            "authorized_amount": "26.47",
            "auth_cleared_delta_percentage": "37.78",
            "program": "my_program"
        },
        {
            "acting_card_token": "acting_card_token",
            "authorized_amount": "8.99",
            "auth_cleared_delta_percentage": "22.25",
            "program": "my_program"
        }

        ...

        {
            "acting_card_token": "acting_card_token",
            "authorized_amount": "25.00",
            "auth_cleared_delta_percentage": "20.00",
            "program": "my_program"
        }
    ]
}

Quarterly Network Reports

Quarterly Network Reports (QNRs) are regulatory reports administered by Visa and Mastercard. Marqeta’s QNRs provide programs with access to quarterly reporting for both Visa and Mastercard, with all current requirements set forth by the card networks. The networks require that banks report card program metrics by the 15th day of the first month of every quarter. Marqeta commits to delivering QNRs to enrolled programs by the 10th day of the first month of every quarter. These reports contain data elements related to card and account activity as they apply to the card programs. This data includes, but is not limited to, total number of cards active in the cycle, transactional volumes, number of digital or tokenized cards, and total accounts open. Networks regularly update the data required in each report, and it is the responsibility of the program manager to monitor these changes and supply accurate data based on current requirements with the networks.

Accessing the Quarterly Network Report

To access the Quarterly Network Report:

Go to the Marqeta Dashboard.

Select Data & Insights in the upper-left corner.

Select Reports in the sidebar.

Select Insights - Quarterly Network Reports.

Use cases

This report provides accurate and easy access to data, as required by the card network and banking entities.

Downloading the Quarterly Network Report

To do this in the Marqeta Dashboard:

Select Data & Insights in the upper-left corner.

Select Reports in the sidebar.

Select Insights - Quarterly Network Reports.

Select Customize Report and ensure that you have no filters selected.

Select your desired date range.

Select Download Current Report at the top right. The system prompts you with an option to either download it as a .csv or .csv.gz file.

To do this using the DiVA API, use the following cURL command:

cURL

curl --location 'https://diva-api.marqeta.com/data/v2/views/quarterlynetworkreports/visa/csv?program=my_program' \
--header 'Content-Type: application/json' \
-u "login:password"

This returns a token similar to the following, which you will use to get the .csv file.

cURL

{"token": "0898539f190ac0ca7c9dcf71dd743ddbb8403e1e.csv.gz"}

To get the Visa-specific .csv file:

cURL

curl --location 'https://diva-api.marqeta.com/data/v2/download?token=0898539f190ac0ca7c9dcf71dd743ddbb8403e1e.csv.gz' \
--header 'Content-Type: application/gz' \
-u "login:password" \
--output insights_quarterly-network-reports-visa_visa.csv.gz

To unzip the file: gunzip insights_quarterly-network-reports-visa_visa.csv.gz. You can then view the file:

cURL

cat insights_quarterly-network-reports-visa_visa.csv

To get the Mastercard-specific .csv file:

cURL

curl --location 'https://diva-api.marqeta.com/data/v2/download?token=0898539f190ac0ca7c9dcf71dd743ddbb8403e1e.csv.gz' \
--header 'Content-Type: application/gz' \
-u "login:password" \
--output insights_quarterly-network-reports-mastercard_mastercard.csv.gz

To unzip the file: gunzip insights_quarterly-network-reports-mastercard_mastercard.csv.gz. You can then view the file:

cURL

cat insights_quarterly-network-reports-mastercard_mastercard.csv

Guides

​Bank Files

​Accessing Bank Files

​Use cases

​Download bank files

​Authorization and Clearing Comparison Detail

​Accessing the report

​Use cases

​How to use the Authorizations and Clearing Comparison Detail report

​DiVA API

​Quarterly Network Reports

​Accessing the Quarterly Network Report

​Use cases

​Downloading the Quarterly Network Report

Bank Files

Accessing Bank Files

Use cases

Download bank files

Authorization and Clearing Comparison Detail

Accessing the report

Use cases

How to use the Authorizations and Clearing Comparison Detail report

DiVA API

Quarterly Network Reports

Accessing the Quarterly Network Report

Use cases

Downloading the Quarterly Network Report