Marqeta in Europe Responsibility Matrix

This page outlines the distribution of responsibilities between you and Marqeta when using either Powered By Marqeta (PxM) or Managed By Marqeta (MxM) for your card program. These responsibilities may change, depending on the contractual agreements between you and Marqeta.

Responsibility	Powered By	Managed By
Defining the Bank Identification Number (BIN) configuration with the card network/scheme	You	Marqeta
Approving and managing the card program with the card network/scheme	You	Marqeta
Approving and managing the card program with the issuing bank	You	Marqeta
Ensuring program compliance with regional regulations	You	Marqeta
Ensuring program compliance with bank and card network mandates	You	Marqeta
Configuring the customer processing environment	Marqeta	Marqeta
Configuring funding methodology	You	Marqeta
Configuring webhooks	You	Marqeta
Issuing and fulfilling cards	You	Marqeta
Managing Know Your Customer (KYC)	You	Marqeta
Managing card inventory and fulfillment providers	You	Marqeta
Managing tokenization with the card network	You	Marqeta
Engaging with the digital wallet providers	You	Marqeta
Reconciling with the card network	You	Marqeta
Monitoring transactions for fraud or money laundering	You	Marqeta
Managing disputes	You	Marqeta
Providing access to Marqeta APIs to ensure core functionality for integration	Marqeta	Marqeta
Processing card network/scheme events such as authorization and clearing	Marqeta	Marqeta
Processing real-time authorization requests from the card network and responding within the allotted time to secure successful transactions	Marqeta	Marqeta
Processing network clearing events daily and distributing events to webhooks to complete ledger events and aid reconciliation	Marqeta	Marqeta
Providing Tier II technical support	Marqeta	Marqeta
Sending daily card network reporting files to the issuing bank	Marqeta	Marqeta
Sending crucial information regarding webhooks to keep your system synced with Marqeta	Marqeta	Marqeta
Providing JIT Funding requests to process customer responses into network-specific approvals	Marqeta	Marqeta
Queuing and transmitting daily card orders to the card vendor	Marqeta	Marqeta
Creating and maintaining new or existing card products	You	Marqeta
Providing Commando Mode solutions when the customer JIT gateway fails to improve authorization rates	Marqeta	Marqeta
Hosting and configuring a Three-Domain Secure (3DS) authentication platform to secure ecommerce transactions	Marqeta	Marqeta
Hosting and configuring tokenization solutions for managing tokens and digital wallet payments	Marqeta	Marqeta
Providing access to the Marqeta Dashboard to complete core customer service functionalities for cardholders	Marqeta	Marqeta
Providing fraud monitoring rules and solutions to enhance risk management	Marqeta	Marqeta
Installing and maintaining Marqeta Bank Identification Number (BIN) configurations, as well as enabling BIN ranges to transact on the Marqeta platform as your program grows and scales	Marqeta	Marqeta

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