Authorizations and clearings
An authorization occurs when a cardholder attempts to make a payment. If the authorization is successful, a clearing transaction follows, which actually moves the necessary funds.
The merchant initiates the purchase attempt and sends an authorization message to the card network.
The Marqeta platform sends a JIT Funding request to your gateway and includes relevant transaction data to assist in your decision-making process.
The Marqeta platform sends a notification to you via a webhook that you can use to validate the authorization and update the account’s balance.
PIN Debit and ATM Debit transactions
A PIN debit transaction occurs when a cardholder uses their PIN at a point of sale to make a purchase.
The Marqeta platform sends a JIT Funding request to your gateway and includes relevant transaction data to assist in your decision-making process.
The Marqeta platform sends a PIN debit notification to you via a webhook that you can use to validate the PIN debit details and update the account’s balance.
The Marqeta platform sends a JIT Funding request to your gateway and includes relevant transaction data to assist in your decision-making process.
The Marqeta platform sends an ATM withdrawal notification to you via a webhook that you can use to validate the ATM withdrawal details and update the account’s balance.
Refunds
A refund occurs when a cardholder requests that the merchant return money from a previous transaction after the clearing process has completed.
The Marqeta platform sends a refund notification to you via a webhook. Your system updates the account balance data it holds using transaction data in the notification.
Reversals
A reversal occurs when a merchant cancels a transaction after the authorization succeeds but before the clearing process occurs.
The Marqeta platform sends a reversal notification to you via a webhook. Your system updates the account balance data it holds using transaction data in the notification.
Tips (Gratuities)
A tip transaction occurs when an original authorization amount is updated with a new amount, such as when a cardholder makes a purchase at a restaurant and then adds a tip on top of the authorization amount. In this scenario, adding a tip does not require a second authorization.
The merchant initiates the purchase attempt and sends an authorization message to the card network.
The Marqeta platform sends a JIT Funding request to your gateway and includes relevant transaction data to assist in your decision-making process.
The Marqeta platform sends a notification to you via a webhook that you can use to validate the authorization and update account balances.
The card network creates a clearing record that replaces the authorization amount with the new amount that includes the tip.
The Marqeta platform sends a clearing notification to you via a webhook. Your system makes any necessary updates to the account balance data it holds.
Automated fuel dispenser (AFD) transactions
An automated fuel dispenser (AFD) transaction occurs when a cardholder purchases fuel directly from the fuel dispenser.
Before the cardholder pumps the fuel, the merchant initiates a fuel transaction and sends an authorization request to the card network.
The Marqeta platform sends a JIT Funding request to your gateway and includes relevant transaction data to assist in your decision-making process.
If the authorization request is successful, the Marqeta platform sends an authorization response to the card network.
The Marqeta platform sends a notification to you via a webhook that you can use to validate the authorization and update account balances.
The card network sends an authorization advice message to the Marqeta platform to update the original authorization to the final amount of the fuel purchase.