> ## 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. # RiskControl Schema > Learn about the RiskControl schema.
**Note** The information provided on this page is confidential, intended only for Marqeta customers who have implemented RiskControl Real-Time Decisioning. The following tables describe the derived types used by Real-Time Decisioning. A derived type is a JSON object that is referenced by Real-Time Decisioning in an `eventType` attribute. A derived type object typically corresponds to a bundle of information, such as an address or transaction. Attributes are subfields of the derived type. Most of the types are derived from the `transactions` object. For information on the `transactions` object, see [Transactions](/core-api/transactions/). Every transaction processed by Real-Time Decisioning is classified as an event. For example, an authorization transaction in the authorization flow will be classified as a `TRANSACTION_RT` event.

TRANSACTION\_RT and TRANSACTION event types

The following sections describe the derived types for `TRANSACTION_RT` and `TRANSACTION` Real-Time Decisioning event types.

TransactionModel

The following are attributes of the `TransactionModel` derived type. | Attribute | Type | Required? | Description | | -------------------------------------- | -------- | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token | string | Yes | A Marqeta-created UUID to uniquely identify this transaction.

**Note**: For subsequent related transactions, this token value appears as the `preceding_related_transaction_token`.

**Schema:**
`event.transaction.token`

**Expected Values:**
36 char max | | user | object | No | Contains customer-provided information about the cardholder that performed the transaction. Null if `business` is not null.

**Schema:**
`event.transaction.user`

**Expected Values:**
See the UserCardHolderResponse object. | | business | object | No | Contains customer-provided information about the business that funded the transaction. Null if `user` is not null.

**Schema:**
`event.transaction.business`

**Expected Values:**
See the BusinessCardHolderResponse object. | | acting\_user | object | Yes | The user that initiated the transaction.

**Schema:**
`event.transaction.acting_user`

**Expected Values:**
See the UserCardHolderResponse object. | | card | object | Yes | The card involved with the transaction.

**Schema:**
`event.transaction.card`

**Expected Values:**
See the CardResponse object. | | type | string | Yes | A Marqeta code defining the type of transaction.

**Schema:**
`event.transaction.type`

**Expected Values:**
See Transaction types supported by Real-Time Decisioning. | | status | string | Yes | The transaction status. Current state of the transaction. For more information about the Status field, see The transaction lifecycle.

**Schema:**
`event.transaction.state`

**Expected Values:**
`PENDING`, `CLEARED`, `COMPLETION`, `DECLINED`, `ERROR`, `ALL` | | created\_time | datetime | Yes | Date and time when the Marqeta platform created the transaction entry, in UTC.

**Schema:**
`event.transaction.created_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | user\_transaction\_time | datetime | Yes | Date and time when the user initiated the transaction, in UTC.

**Schema:**
`event.transaction.user_transaction_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | settlement\_date | string | No | Date and time when funds were moved for a transaction, in UTC.

**Schema:**
`event.transaction.settlement_date`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | request\_amount | number | No | Amount used for clearing or settling transactions to compare to the original authorization amount.

**Schema:**
`event.transaction.request_amount`

**Expected Values:**
Format: 0.00 | | amount | number | Yes | Amount of the transaction.

**Schema:**
`event.transaction.amount`

**Expected Values:**
Format: 0.00 | | cash\_back\_amount | number | No | Amount of cash back requested by the cardholder during the transaction. Included in the total transaction amount.

**Schema:**
`event.transaction.cash_back_amount`

**Expected Values:**
Format: 0.00 | | currency\_conversion | object | Yes | Contains information about currency conversion.

**Schema:**
`event.transaction.currency_conversion`

**Expected Values:**
See the CurrencyConversion object. | | currency\_code | string | Yes | Currency type of the transaction.

**Schema:**
`event.transaction.currency_code`

**Expected Values:**
Valid three-character ISO-4217 currency code. | | approval\_code | string | No | Unique identifier assigned to an authorization, printed on the receipt at point of sale.

**Schema:**
`event.transaction.approval_code`

**Expected Values:**
255 char max | | preceding\_related\_transaction\_token | string | No | Returned for final transaction types. Unique identifier of the preceding related transaction. Useful for identifying the transaction that preceded the current one. For which transaction types are temporary or final, see Transaction events in Event Types.

**Schema:**
`event.transaction.preceding_related_transaction_token`

**Expected Values:**
UUID | | amount\_to\_be\_released | number | No | Amount of original authorization to be released. This field appears in final clearing transactions where the clearing amount is lower than the authorization amount.

**Schema:**
`event.transaction.amount_to_be_released`

**Expected Values:**
Format: 0.00 | | card\_acceptor | object | Yes | Contains information about the merchant.

**Schema:**
`event.transaction.card_acceptor`

**Expected Values:**
See the TransactionCardAcceptor object. | | gpa | object | No | General purpose account (GPA) balances for a user or business.

**Schema:**
`event.transaction.gpa`

**Expected Values:**
See the CardholderBalance object. | | network | string | No | The card network handling the transaction.

**Schema:**
`event.transaction.network`

**Expected Values:**
`DISCOVER`, `MASTERCARD`, `PULSE`, `VISA`, `MARQETA` | | pos | object | No | Point-of-sale details associated with this transaction, including details on how the card was presented. May be returned if the request uses Transaction Model v2 of the Marqeta Core API. Not returned for v1 requests.

**Schema:**
`event.transaction.pos`

**Expected Values:**
See the Pos object. | | acquirer | object | Yes | Contains information about the merchant’s financial institution.

**Schema:**
`event.transaction.acquirer`

**Expected Values:**
See the Acquirer object. | | polarity | string | No | Indicates whether the transaction is credit or debit.

**Schema:**
`event.transaction.polarity`

**Expected Values:**
`CREDIT`, `DEBIT`, `PENDING_CREDIT`, `PENDING_DEBIT` | | address\_verification\_response\_code | string | No | Four-digit code corresponding with the outcome of the attempted transaction type.

`card_security_code_verification.response.code` indicates whether the verification check passed and can have these possible values:

0000 - passed

0001 - did not pass

**Schema:**
`event.transaction.address_verification_response_code`

**Expected Values:**
Four-digit code | | card\_security\_code\_verification | object | No | Contains information about a verification check performed on the card’s security code.

**Schema:**
`event.transaction.card_security_code_verification`

**Expected Values:**
See the CardSecurityCodeVerification object. | | network\_reference\_id | string | No | Network-assigned unique identifier of the transaction. Useful for settlement and reconciliation.

**Schema:**
`event.transaction.network_reference_id`

**Expected Values:**
255 char max | | acquirer\_reference\_id | string | No | Acquirer-assigned unique identifier of the transaction. Useful for settlement and reconciliation.

**Schema:**
`event.transaction.acquirer_reference_id`

**Expected Values:**
255 char max | | network\_transaction\_risk\_score | integer | No | Network risk score associated with transaction.

**Schema:**
`event.transaction.network_transaction_risk_score`

**Expected Values:**
0 - 99 | | network\_account\_risk\_score | integer | No | Network (Mastercard or Visa) risk score associated with account.

**Schema:**
`event.transaction.network_account_risk_score`

**Expected Values:**
0 - 99 | | is\_force\_post | boolean | No | True if transaction is a force post, which can happen in debit card transactions.

**Schema:**
`event.transaction.is_force_post`

**Expected Values:**
`true`, `false` | | transaction\_attributes | object | No | Additional transaction attributes. A key-value pair that allows passing of custom data from the Core API data attributes to the Fraud engine.

**Schema:**
`event.transaction.transaction_attributes`

**Expected Values:**
See the keyValuePair object. | | transaction\_metadata | object | No | Contains merchant-provided metadata related to the transaction, including details about lodging- and transit-related purchases. Returned if provided by the card network, and the request uses Transaction Model v2 of the Marqeta Core API. Not returned for Transaction Model v1 requests.

**Schema:**
`event.transaction.transaction_metadata`

**Expected Values:**
See the TransactionMetadata object. | | declined\_reason | string | No | Populated for `TRANSACTION` event types.

**Schema:**
`event.transaction.declined_reason`

**Expected Values:**
See Transaction response codes. | | digital\_wallet\_token | object | No | Contains information about the digital wallet that funded the transaction. Returned for all transactions funded by a digital wallet or related to digital wallet token provisioning.

**Schema:**
`event.transaction.digital_wallet_token`

**Expected Values:**
See the DigitalWalletToken object. | | address\_verification | object | No | Contains address verification data consisting of address data entered by the cardholder, address data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match.

**Schema:**
`event.transaction.address_verification`

**Expected Values:**
See the AddressVerification object. | | cardholder\_authentication\_data | object | No | Contains 3-D Secure verification data.

**Schema:**
`event.transaction.cardholder_authentication_data`

**Expected Values:**
See the CardholderAuthenticationData object. | | subnetwork | string | No | The subnetwork that was used to complete the transaction.

**Schema:**
`event.transaction.subnetwork`

**Expected Values:**
`VISANET`, `VISANETDEBIT`, `VISAINTERLINK`, `VISAPLUS`, `MAESTRO`, `CIRRUS`, `MASTERCARDDEBIT`, `GATEWAY_JIT`, `MANAGED_JIT` | | network\_metadata | object | No | Contains network-related metadata for the transaction, including details about the card program and the card product. May be returned if the request uses Transaction Model v2 of the Marqeta Core API. Not returned for v1 requests.

**Schema:**
`event.transaction.network_metadata`

**Expected Values:**
See the NetworkMetadata object. |

UserCardHolderResponse

The following are attributes of the `UserCardHolderResponse` derived type. | Attribute | Type | Required? | Description | | ----------------------- | -------- | --------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token | string | Yes | The unique identifier of the cardholder.

**Schema:**
`event.transaction.user.token`
`event.transaction.acting_user.token`

**Expected Values:**
1-36 chars | | active | boolean | Yes | Specifies if the cardholder is in the `ACTIVE` state on the Marqeta platform.

**Schema:**
`event.transaction.user.active`
`event.transaction.acting_user.active`

**Expected Values:**
`true`, `false` | | gender | string | No | Cardholder’s gender.

**Schema:**
`event.transaction.user.gender`
`event.transaction.acting_user.gender`

**Expected Values:**
`M`, `F` | | first\_name | string | No | Cardholder’s first name.

**Schema:**
`event.transaction.user.first_name`
`event.transaction.acting_user.first_name`

**Expected Values:**
40 char max | | middle\_name | string | No | Cardholder’s middle name.

**Schema:**
`event.transaction.user.middle_name`
`event.transaction.acting_user.middle_name`

**Expected Values:**
40 char max | | last\_name | string | No | Cardholder’s last name.

**Schema:**
`event.transaction.user.last_name`
`event.transaction.acting_user.last_name`**Expected Values:**
40 char max | | email | string | No | Email address of the cardholder.

**Schema:**
`event.transaction.user.email`
`event.transaction.acting_user.email`

**Expected Values:**
1-255 chars | | address1 | string | No | Cardholder’s address.

**Schema:**
`event.transaction.user.address1`
`event.transaction.acting_user.address1`

**Expected Values:**
255 char max | | address2 | string | No | Additional address information for the cardholder.

**Schema:**
`event.transaction.user.address2`
`event.transaction.acting_user.address2`

**Expected Values:**
255 char max | | city | string | No | City where the cardholder resides.

**Schema:**
`event.transaction.user.city`
`event.transaction.acting_user.city`

**Expected Values:**
40 char max | | state | string | No | State in which the cardholder resides.

**Schema:**
`event.transaction.user.state`
`event.transaction.acting_user.state`

**Expected Values:**
32 char max | | zip | string | No | ZIP code of the cardholder’s address.

**Schema:**
`event.transaction.user.zip`

**Expected Values:**
10 char max | | postal\_code | string | No | Postal code of the cardholder’s address.

**Schema:**
`event.transaction.user.postal_code`

**Expected Values:**
10 char max | | country | string | No | Country in which the cardholder resides.

**Schema:**
`event.transaction.user.country`

**Expected Values:**
40 char max | | phone | string | No | Cardholder’s telephone number (including area code), prepended by the + symbol and the 1- to 3-digit country calling code.

**Schema:**
`event.transaction.user.phone`

**Expected Values:**
255 char max

Format: +15105551212 or +35552260859 | | parent\_token | string | No | Unique identifier of a parent user or business, if any.

**Schema:**
`event.transaction.user.parent_token`

**Expected Values:**
1-36 chars | | uses\_parent\_account | boolean | No | Indicates whether the child shares balances with the parent (`true`), or the child’s balances are independent of the parent (`false`).

**Schema:**
`event.transaction.user.uses_parent_account`

**Expected Values:**
`true`, `false` | | corporate\_card\_holder | boolean | No | Indicates if the card belongs to a business.

**Schema:**
`event.transaction.user.corporate_card_holder`

**Expected Values:**
`true`, `false` | | nationality | string | No | Cardholder’s nationality.

**Schema:**
`event.transaction.user.nationality`

**Expected Values:**
255 char max | | company | string | No | Company name.

**Schema:**
`event.transaction.user.company`

**Expected Values:**
255 char max | | created\_time | datetime | No | The date and time when the resource was created, in UTC.

**Schema:**
`event.transaction.user.created_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | last\_modified\_time | datetime | Yes | The date and time when the resource was last updated, in UTC.

**Schema:**
`event.transaction.user.last_modified_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | status | string | Yes | Specifies the status of the cardholder on the Marqeta platform.

**Schema:**
`event.transaction.user.status`

**Expected Values:**
`UNVERIFIED`, `LIMITED`, `ACTIVE`, `SUSPENDED`, `CLOSED` | | birth\_date | date | No | Cardholder’s date of birth.

**Schema:**
`event.transaction.user.birth_date`

**Expected Values:**
Format: yyyy-MM-dd | | person\_token | string | No | A unique UUID across all users and programs for the person associated with this user.

**Schema:**
`event.transaction.user.person_token`

**Expected Values:**
36 char max |

BusinessCardHolderResponse

The following are attributes of the `BusinessCardHolderResponse` derived type. | Attribute | Type | Required? | Description | | -------------------------------- | ---------------- | --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token | string | Yes | Unique identifier of the business resource.

**Schema:**
`event.transaction.business.token`

**Expected Values:**
1-36 chars | | active | boolean | Yes | Specifies if the business is in the ACTIVE state on the Marqeta platform.

**Schema:**
`event.transaction.business.active`

**Expected Values:**
`true`, `false` | | created\_time | datetime | No | Date and time when the business was created, in UTC.

**Schema:**
`event.transaction.business.created_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | last\_modified\_time | datetime | Yes | Date and time when the business was last modified, in UTC.

**Schema:**
`event.transaction.business.last_modified_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | status | string | Yes | Specifies the state of the business on the Marqeta platform.

**Schema:**
`event.transaction.business.status`

**Expected Values:**
`UNVERIFIED`, `LIMITED`, `ACTIVE`, `SUSPENDED`, `CLOSED` | | business\_type | string | No | Indicates the type of business, for example B2B (business-to-business) or B2C (business-to-consumer).

**Schema:**
`event.transaction.business.business_type`

**Expected Values:**
255 char max | | primary\_contact | object | No | Describes the business' primary contact person.

**Schema:**
`event.transaction.business.primary_contact`

**Expected Values:**
`department`, `email`, `extension`, `fax`, `full_name`, `mobile`, `phone`, `title` | | phone | string | No | 10-digit telephone number of business.

**Schema:**
`event.transaction.business.phone`

**Expected Values:**
Format: 510-555-1212 or 5105551212 | | website | string | No | URL of the business' website.

**Schema:**
`event.transaction.business.website`

**Expected Values:**
255 char max | | date\_established | datetime | No | Date the business was established.

**Schema:**
`event.transaction.business.date_established`

**Expected Values:**
Format: yyyy-MM-dd or yyyy-MM-ddThh:mm:ssZ | | international\_office\_locations | string | No | Locations of the business' offices outside the US.

**Schema:**
`event.transaction.business.international_office_locations`

**Expected Values:**
255 char max | | office\_location | address | No | Address associated with the business.

**Schema:**


**Expected Values:**
`address1`, `address2`, `city`, `country`, `postal_code`, `state`, `zip` | | metadata | array of strings | No | Metadata associated with the business.

**Schema:**
`event.transaction.business.metadata`

**Expected Values:**
Existing `metadata` object | | business\_name\_dba | string | No | Fictitious or "doing business as" (DBA) name of the business.

**Schema:**
`event.transaction.business.business_name_dba`

**Expected Values:**
Existing DBA name of the business | | business\_name\_legal | string | No | Legal name of the business.

**Schema:**
`event.transaction.business.business_name_legal`

**Expected Values:**
Existing legal name of the business | | ip\_address | string | No | IP address of the business.

**Schema:**
`event.transaction.business.ip_address`

**Expected Values:**
39 char max | | beneficial\_owner1 | object | No | Contains information about the beneficial owner of the business, if applicable.

**Schema:**
`event.transaction.business.beneficial_owner1`

**Expected Values:**
`first_name`, `getdob`, `home`, `last_name`, `middle_name`, `phone`, `title` | | beneficial\_owner2 | string | No | Contains information about the beneficial owner of the business, if applicable.

**Schema:**
`event.transaction.business.beneficial_owner2`

**Expected Values:**
`first_name`, `getdob`, `home`, `last_name`, `middle_name`, `phone`, `title` | | beneficial\_owner3 | string | No | Contains information about the beneficial owner of the business, if applicable.

**Schema:**
`event.transaction.business.beneficial_owner3`

**Expected Values:**
`first_name`, `getdob`, `home`, `last_name`, `middle_name`, `phone`, `title` | | beneficial\_owner4 | string | No | Contains information about the beneficial owner of the business, if applicable.

**Schema:**
`event.transaction.business.beneficial_owner4`

**Expected Values:**
`first_name`, `getdob`, `home`, `last_name`, `middle_name`, `phone`, `title` |

CardResponse

The following are attributes of the `CardResponse` derived type. | Attribute | Type | Required? | Description | | -------------------- | -------- | --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | created\_time | datetime | No | The date and time, in UTC, when Marqeta created the card record.

**Schema:**
`event.transaction.card.created_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | last\_modified\_time | datetime | Yes | The date and time of when the card record was last modified.

**Schema:**
`event.transaction.card.last_modified_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | token | string | Yes | A Marqeta-created UUID to uniquely identify the card.

**Schema:**
`event.transaction.card.token`

**Expected Values:**
Existing card token | | user\_token | string | Yes | Unique identifier of the cardholder.

**Schema:**
`event.transaction.card.user_token`

**Expected Values:**
Existing user token | | card\_product | object | No | A Marqeta created UUID to uniquely identify the card product.

**Schema:**


**Expected Values:**
See the CardProduct object. | | status | string | Yes | Indicates the state of the card.

**Schema:**
`event.transaction.card.status`

**Expected Values:**
`ACTIVE`, `SUSPENDED`, `TERMINATED`, `UNSUPPORTED`, `UNACTIVATED`, `LIMITED` | | state\_reason | string | No | Descriptive reason for why the card is in its current state. For example, "Card activated by cardholder".

**Schema:**
`event.transaction.card.state_reason`

**Expected Values:**
255 char max | | fulfillment\_status | string | Yes | Card fulfillment status.

**Schema:**
`event.transaction.card.fulfillment_status`

**Expected Values:**
`ISSUED`, `ORDERED`, `REORDERED`, `REJECTED`, `SHIPPED`, `DELIVERED`, `DIGITALLY_PRESENTED`. | | type | string | No | The type of card.

**Schema:**
`event.transaction.card.type`

**Expected Values:**
`CREDIT` or `DEBIT` | | expiration | string | No | Expiration date in MMyy format.

**Schema:**
`event.transaction.expiration`

**Expected Values:**
Format: MMyy | | bin | string | No | The first eight digits of the primary account number (PAN).

**Schema:**
`event.transaction.card.bin`

**Expected Values:**
A valid card Buyer’s Identification Number |

CurrencyConversion

The following is an attribute of the `CurrencyConversion` derived type. | Attribute | Type | Required? | Description | | --------- | ------ | --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | network | object | Yes | Contains information from the card network about currency conversion, including the original currency of the transaction, the amount of the transaction in the original currency, and the conversion rate.

**Schema:**
`event.transaction.currency_conversion.network`

**Expected Values:**
See the Network object. |

Network

The following are attributes of the `Network` derived type. | Attribute | Type | Required? | Description | | ------------------------ | ------ | --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | original\_amount | number | Yes | Amount of the transaction in the currency in which it originated.

**Schema:**
`event.transaction.network.original_amount`

**Expected Values:**
Decimal amount. | | conversion\_rate | number | No | Returned when the transaction currency is different from the origination currency.

Conversion rate between the origination currency and the settlement currency.

**Schema:**
`event.transaction.network.conversion_rate`

**Expected Values:**
Current conversion rate. A value of 0 or 1 indicates no conversion; the currencies are the same. | | original\_currency\_code | string | Yes | The original currency code.

**Schema:**
`event.transaction.network.original_currency_code`

**Expected Values:**
Valid three-digit ISO 4217 currency code |

TransactionCardAcceptor

The following are attributes of the `TransactionCardAcceptor` derived type. | Attribute | Type | Required? | Description | | ------------ | ---------------- | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | mid | string | Yes | Merchant identifier.

**Schema:**
`event.transaction.card_acceptor.mid`

**Expected Values:**
255 char max | | mcc | string | Yes | Merchant category code (MCC).

**Schema:**
`event.transaction.card_acceptor.mcc`

**Expected Values:**
255 char max | | network\_mid | string | No | The merchant identifier on the card network.

**Schema:**
`event.transaction.card_acceptor.network_mid`

**Expected Values:**
255 char max | | mcc\_groups | array of strings | No | An array of merchant category code groups.

**Schema:**
`event.transaction.card_acceptor.mcc_groups`

**Expected Values:**
Valid array of one or more `mcc_groups` | | name | string | No | Card acceptor’s name.

**Schema:**
`event.transaction.card_acceptor.name`

**Expected Values:**
50 char max | | address | string | No | Card acceptor’s address. May be returned if the request uses Transaction Model v1 of the Marqeta Core API. Not returned for v2 requests.

**Schema:**
`event.transaction.card_acceptor.address`

**Expected Values:**
255 char max | | city | string | No | Card acceptor’s city.

**Schema:**
`event.transaction.card_acceptor.city`

**Expected Values:**
40 char max | | state | string | No | Two-character state, province, territorial, or federal abbreviation.

For a complete list of valid state, provincial, territorial, and federal abbreviations, see Valid state, provincial, territorial, and federal abbreviations.

Note: Non-US merchants may return more than 2 char for this field.

**Schema:**
`event.transaction.card_acceptor.state`

**Expected Values:**
2 char max | | postal\_code | string | No | Card acceptor’s postal code.

**Schema:**
`event.transaction.card_acceptor.postal_code`

**Expected Values:**
255 char max | | country | string | No | Card acceptor’s country code. M ay be returned if the request uses Transaction Model v2 of the Marqeta Core API. Not returned for v1 requests.

**Schema:**
`event.transaction.card_acceptor.country_code`

**Expected Values:**
Valid three-digit ISO 3166 country code | | poi | object | No | Information about the terminal where the transaction occurred.

**Schema:**
`event.transaction.card_acceptor.poi`

**Expected Values:**
See the Terminal object. |

Terminal

The following are attributes of the `Terminal` derived type. | Attribute | Type | Required? | Description | | -------------------------- | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | tid | string | Yes | Card acceptor or terminal identification number.

**Schema:**
`event.transaction.card_acceptor.poi.tid`

**Expected Values:**
255 char max | | partial\_approval\_capable | string | Yes | Whether the card acceptor or terminal is capable of partial approvals.

**Schema:**
`event.transaction.card_acceptor.poi.partial_approval_capable`

**Expected Values:**
`true`, `false` | | cardholder\_presence | string | No | Indicates if the cardholder is present.

**Schema:**
`event.transaction.card_acceptor.poi.cardholder_presence`

**Expected Values:**
`UNSPECIFIED`, `ATTENDED`, `UNATTENDED`, `NO_TERMINAL` | | card\_presence | string | No | Whether the card was present during the transaction.

**Schema:**
`event.transaction.card_acceptor.poi.card_presence`

**Expected Values:**
`true`, `false` | | channel | string | No | Channel from which the transaction was originated.

**Schema:**
`event.transaction.card_acceptor.poi.channel`

**Expected Values:**
`OTHER`, `ATM`, `ECOMMERCE`, `MAIL`, `PHONE`, `MOTO` | | pin\_present | string | No | Indicates whether a PIN was presented during the transaction.

**Schema:**
`event.transaction.card_acceptor.poi.pin_present`

**Expected Values:**
`true`, `false` | | processing\_type | string | No | The processing type.

**Schema:**
`event.transaction.card_acceptor.poi.processing_type`

**Expected Values:**
|

CardholderBalance

The following are attributes of the `CardholderBalance` derived type. | Attribute | Type | Required? | Description | | ------------------- | -------- | --------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | currency\_code | string | Yes | Currency code for the balance.

**Schema:**
`event.transaction.gpa.currency_code`

**Expected Values:**
Three-digit ISO-4217 currency code. | | available\_balance | number | No | Ledger balance minus any authorized transactions that have not yet cleared. Also known as the cardholder’s purchasing power. When using JIT Funding, this balance is usually equal to \$0.00.

**Schema:**
`event.transaction.gpa.available_balance`

**Expected Values:**
Format: 0.00 | | credit\_balance | number | No | Not currently in use.

**Schema:**
`event.transaction.gpa.credit_balance`

**Expected Values:**
Not applicable | | pending\_credits | number | No | ACH loads that have been accepted, but for which the funding time has not yet elapsed.

**Schema:**
`event.transaction.gpa.pending_credits`

**Expected Values:**
Format: 0.00 | | impacted\_amount | number | No | Balance change based on the amount of the transaction.

**Schema:**
`event.transaction.gpa.impacted_amount`

**Expected Values:**
Format: 0.00 | | last\_updated\_time | datetime | No | Date and time when the resource was last updated, in UTC.

**Schema:**
`event.transaction.gpa.last_updated_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ |

Pos

The following are attributes of the `Pos` derived type. | Attribute | Type | Required? | Description | | ---------------------------------- | ------- | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | pan\_entry\_mode | string | No | Method used for capturing the card primary account number (PAN) during the transaction.

**Schema:**
`event.transaction.pos.pan_entry_mode`

**Expected Values:**
`UNKNOWN`, `MANUAL`, `MAG_STRIPE`, `MAG_STRIPE_CONTACTLESS`, `BAR_CODE`, `OCR`, `MICR`, `CHIP`, `CHIP_CONTACTLESS`, `CARD_ON_FILE`, `CHIP_FALLBACK`, `OTHER` | | pin\_entry\_mode | string | No | Whether the card acceptor or terminal can capture card personal identification numbers (PINs).

**Note**: This field does not indicate whether a PIN was entered.

**Schema:**
`event.transaction.pos.pin_entry_mode`

**Expected Values:**
`UNKNOWN`, `TRUE`, `FALSE`, `DEFECTIVE` | | terminal\_id | string | No | Card acceptor or terminal identification number.

**Schema:**
`event.transaction.pos.terminal_id`

**Expected Values:**
255 char max | | terminal\_attendance | string | No | Whether the card acceptor/terminal was attended.

**Schema:**
`event.transaction.pos.terminal_attendance`

**Expected Values:**
`UNSPECIFIED`, `ATTENDED`, `UNATTENDED`, `NO_TERMINAL` | | card\_holder\_presence | boolean | No | Whether the cardholder was present during the transaction.

**Schema:**
`event.transaction.pos.card_holder_presence`

**Expected Values:**
`true`, `false` | | cardholder\_authentication\_method | string | No | Method used to authenticate the cardholder.

**Schema:**
`event.transaction.pos.cardholder_authentication_method`

**Expected Values:**
`UNSPECIFIED_METHOD`, `NON_AUTHENTICATED`, `SIGNATURE`, `PIN`, `ID_VERIFIED` | | card\_presence | boolean | No | Indicates whether the card was present during the transaction.

**Schema:**
`event.transaction.pos.card_presence`

**Expected Values:**
`true`, `false` | | pin\_present | boolean | No | Indicates whether a PIN was presented during the transaction.

**Schema:**
`event.transaction.pos.pin_present`

**Expected Values:**
`true`, `false` | | terminal\_type | string | No | Type of card acceptor/terminal.

**Schema:**
`event.transaction.pos.terminal_type`

**Expected Values:**
`AUTO_DISPENSER_WITH_PIN`, `SELF_SERVICE`, `LIMITED_AMOUNT`, `IN_FLIGHT`, `ECOMMERCE`, `TRANSPONDER` | | country\_code | string | No | Country code of the card acceptor or terminal.

**Schema:**
`event.transaction.pos.country_code`

**Expected Values:**
Valid three-digit ISO 3166 country code | | zip | string | No | United States ZIP code of the card acceptor or terminal.

**Schema:**
`event.transaction.pos.zip`

**Expected Values:**
10 char max | | partial\_approval\_capable | boolean | No | Indicates whether the card acceptor or terminal is capable of partial approvals.

**Schema:**
`event.transaction.pos.partial_approval_capable`

**Expected Values:**
`true`, `false` | | purchase\_amount\_only | boolean | No | Whether the card acceptor/terminal supports purchase-only approvals.

**Schema:**
`event.transaction.pos.purchase_amount_only`

**Expected Values:**
true`, `false\` | | is\_recurring | boolean | No | Whether the transaction is recurring.

**Schema:**
`event.transaction.pos.is_recurring`

**Expected Values:**
`true`, `false` | | is\_installment | boolean | No | Whether the transaction is an installment payment.

**Schema:**
`event.transaction.pos.is_installment`

**Expected Values:**
`true`, `false` |

Acquirer

The following are attributes of the `Acquirer` derived type. | Attribute | Type | Required? | Description | | ---------------------------- | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | institution\_country | string | No | Country code of the merchant’s financial institution.

**Schema:**
`event.transaction.acquirer.institution_country`

**Expected Values:**
Valid three-digit ISO 3166 country code | | network\_international\_id | string | No | The international network identifier.

**Schema:**
`event.transaction.acquirer.network_international_id`

**Expected Values:**
255 char max | | institution\_id\_code | string | Yes | Identifier code of the merchant’s financial institution.

**Schema:**
`event.transaction.acquirer.institution_id_code`

**Expected Values:**
255 char max | | retrieval\_reference\_number | string | Yes | Retrieval reference number of the merchant’s financial institution.

**Schema:**
`event.transaction.acquirer.retrieval_reference_number`

**Expected Values:**
255 char max | | system\_trace\_audit\_number | string | No | System trace audit number of the merchant’s financial institution.

**Schema:**
`event.transaction.acquirer.system_trace_audit_number`

**Expected Values:**
255 char max |

CardSecurityCodeVerification

The following are attributes of the `CardSecurityCodeVerification` derived type. | Attribute | Type | Required? | Description | | -------------- | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | type | string | No | The card security code verification type:

**Schema:**
`event.transaction.card_security_code_verification.type`

**Expected Values:**
`CVV1`, `CVV2`, `ICVV` | | response\_code | string | No | The Marqeta response code `0000` indicates success/verified; all other values indicate failure.

**Schema:**
`event.transaction.card_security_code_verification.response_code`

**Expected Values:**
`0000` - passed `0001` - did not pass |

DigitalWalletToken

The following are attributes of the `DigitalWalletToken` derived type. | Attribute | Type | Required? | Description | | ----------------------------- | -------- | --------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token | string | No | Unique identifier of the digital wallet token.

**Schema:**
`event.transaction.digital_wallet_token.token`

**Expected Values:**
Existing digital wallet token | | card\_token | string | No | Unique identifier of the card.

**Schema:**
`event.transaction.digital_wallet_token.card_token`

**Expected Values:**
Existing card token | | state | string | No | State of the digital wallet token. See Transitioning token states.

**Schema:**
`event.transaction.digital_wallet_token.state`

**Expected Values:**
`REQUESTED`, `REQUEST_DECLINED`, `ACTIVE`, `SUSPENDED`, `TERMINATED` | | state\_reason | string | No | Reason why the digital wallet token transitioned to its current state.

**Schema:**
`event.transaction.digital_wallet_token.state_reason`

**Expected Values:**
255 char max | | fulfillment\_status | string | No | Digital wallet token’s provisioning status. For fulfillment status descriptions, see Create digital wallet token transition.

**Schema:**
`event.transaction.digital_wallet_token.fulfillment_status`

**Expected Values:**
`DECISION_RED`, `DECISION_YELLOW`, `DECISION_GREEN`, `REJECTED`, `PROVISIONED` | | issuer\_eligibility\_decision | string | No | The Marqeta platform’s decision as to whether the digital wallet token should be provisioned:

`0000` – The token should be provisioned.

`token.activation.verification.required` – Provisioning is pending; further action is required for completion.

For all other values, check the value of the `fulfillment_status` field to definitively ascertain the provisioning outcome.

**Note**: The value `invalid.cid` indicates an invalid CVV2 number.

**Schema:**
`event.transaction.digital_wallet_token.issuer_eligibility_decision`

**Expected Values:**
`0000`, `cardaccount.verified`, `card.suspicious`, `token.activation.verification.required`, `token.activation-request.decline`, `card.not.active`, `invalid.cid`, `card.expired`, `card.suspended`, `cardholder.not.active` | | created\_time | datetime | No | Date and time when the digital wallet token object was created, in UTC.

**Schema:**
`event.transaction.digital_wallet_token.created_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | last\_modified\_time | datetime | No | The date and time when the digital wallet was last modified.

**Schema:**
`event.transaction.digital_wallet_token.last_modified_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | token\_service\_provider | object | No | Contains information held and provided by the token service provider (card network).

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider`

**Expected Values:**
See the TokenServiceProvider object. | | device | object | No | Contains information related to the device being provisioned.

**Schema:**
`event.transaction.digital_wallet_token.device`

**Expected Values:**
`device_id`, `ip_address`, `language_code`, `location`, `name`, `phone_number`, `token`, `type` | | wallet\_provider\_profile | object | No | Contains information held and provided by the digital wallet provider. See the WalletProviderProfile object.

**Schema:**
`event.transaction.digital_wallet_token.wallet_provider_profile`

**Expected Values:**
`account`, `device_score`, `pan_source`, `reason_code`, `recommendation_reasons`, `risk_assessment` | | address | object | No | Contains information about the digital wallet user’s address.

**Schema:**
`event.transaction.digital_wallet_token.address`

**Expected Values:**
See the Address object. | | user | object | No | Contains information about the cardholder. See the UserCardHolderResponse object. |

CardholderAuthenticationData

The following are attributes of the `CardholderAuthenticationData` derived type. | Attribute | Type | Required? | Description | | -------------------------------- | ------ | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | electronic\_commerce\_indicator | string | No | Status of the 3D Secure authentication attempt, as provided by a transaction participant.

`authentication_attempted`: Merchant attempted to authenticate, but either the issuer or the cardholder does not participate in 3D Secure.

`authentication_successful`: Cardholder authentication successful.

`no_authentication`: Non-authenticated e-commerce transaction.

**Schema:**
`event.transaction.cardholder_authentication_data.electronic_commerce_indicator`

**Expected Values:**
`authentication_successful`, `authentication_attempted`, `no_authentication` | | verification\_result | string | No | The result of the verification attempt, as provided by a transaction participant.

**Schema:**
`event.transaction.cardholder_authentication_data.verification_result`

**Expected Values:**
`verified`, `verified_amount_less_than_20_percent`, `verified_amount_greater_than_20_percent`, `failed`, `not_verified`, `not_present`, `not_provided`, `not_verified_authentication_outage` | | verification\_value\_created\_by | string | No | Transaction participant who determined the verification result.

**Schema:**
`event.transaction.cardholder_authentication_data.verification_value_created_by`

**Expected Values:**
`issuer_acs`, `issuer_attempts_server`, `network`, `network_attempts_server` | | three\_ds\_message\_version | string | No | The 3D Secure message version used for authentication.

**Schema:**
`event.transaction.cardholder_authentication_data.three_ds_message_version`

**Expected Values:**
`1.0.2`, `2.1.0`, `2.2.0` | | authentication\_method | string | No | The 3D Secure authentication method.

**Schema:**
`event.transaction.cardholder_authentication_data.authentication_method`

**Expected Values:**
`null`, `AUDIO_CALL`, `BEHAVIORAL_BIOMETRICS`, `BIOMETRIC_FACE`, `BIOMETRIC_FINGERPRINT`, `DECOUPLED`, `DELEGATED_TRUSTED_AUTHENTICATION`, `IN_APP_LOGIN`, `KNOWLEDGE_BASED`, `OTP_SMS`, `OTP_EMAIL`, `SECURE_PAYMENT_CONFM`, `VIDEO_CALL`, `VOICE_RECOGNITION`, `WEB_AUTHN`, `OTHER` | | authentication\_status | string | No | The 3D Secure authentication status.

**Schema:**
`event.transaction.cardholder_authentication_data.authentication_status`

**Expected Values:**
`CANCELLED`, `FAILED`, `NOT_AUTHENTICATED`, `SUCCESS, SUCCESSFUL_NON_PAYMENT` |

CardProduct

The following are attributes of the `CardProduct` derived type. | Attribute | Type | Required? | Description | | ----------- | ------- | --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token | string | No | The card product token.

**Schema:**
`event.transaction.card.card_product.token`

**Expected Values:**
1-36 chars | | name | string | No | Name of the card product.

**Schema:**
`event.transaction.card.card_product.name`

**Expected Values:**
1-40 chars | | active | boolean | No | Indicates whether the card product is active.

**Schema:**
`event.transaction.card.card_product.name`

**Expected Values:**
`true`, `false` | | start\_date | string | No | Date when the card product becomes active.

**Schema:**
`event.transaction.card.card_product.start_date`

**Expected Values:**
Format: yyyy-DD-mm | | end\_date | string | No | End date of the range over which the card product is active.

**Schema:**
`event.transaction.card.card_product.end_date`

**Expected Values:**
Format: yyyy-DD-mm | | config | object | No | Contains information about the configuration of the card product.

**Schema:**
`event.transaction.card.card_product.config`

**Expected Values:**
See the CardProductConfig object. |

PrimaryContact

The following are attributes of the `PrimaryContact` derived type. | Attribute | Type | Required? | Description | | ---------- | ------ | --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | full\_name | string | No | Full name of the primary contact.

**Schema:**
`businesses/primary_contact.full_name`

**Expected Values:**
255 char max | | title | string | No | Title of the primary contact.

**Schema:**
`businesses/primary_contact.title`

**Expected Values:**
255 char max | | department | string | No | Business department of the primary contact.

**Schema:**
`businesses/primary_contact.department`

**Expected Values:**
255 char max | | phone | string | No | Phone number of the primary contact.

**Schema:**
`businesses/primary_contact.full_name`

**Expected Values:**
255 char max

Format: 510-555-1212 or 5105551212 | | extension | string | No | Phone extension of the primary contact.

**Schema:**
`businesses/primary_contact.extension`

**Expected Values:**
255 char max | | fax | string | No | Fax number of the primary contact.

**Schema:**
`businesses/primary_contact.fax`

**Expected Values:**
255 char max | | mobile | string | No | Mobile phone number of the primary contact.

**Schema:**
`businesses/primary_contact.mobile`

**Expected Values:**
255 char max

Format: 510-555-1212 or 5105551212 | | email | string | No | Email address of the primary contact.

**Schema:**
`businesses/primary_contact.email`

**Expected Values:**
255 char max |

BeneficialOwner

The following are attributes of the `BeneficialOwner` derived type. | Attribute | Type | Required? | Description | | ------------ | ------ | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | first\_name | string | No | First name of the beneficial owner.

**Schema:**
`businesses/beneficial_owner1.first_name`

**Expected Values:**
2 char min, 36 char max for KYC verification (US-based accounts only); 255 char max otherwise | | middle\_name | string | No | Middle name of the beneficial owner.

**Schema:**
`businesses/beneficial_owner1.middle_name`

**Expected Values:**
255 char max | | last\_name | string | No | Last name of the beneficial owner.

**Schema:**
`businesses/beneficial_owner1.last_name`

**Expected Values:**
2 char min, 48 char max for KYC verification (US-based accounts only); 255 char max otherwise | | title | string | No | Title of the beneficial owner.

**Schema:**
`businesses/beneficial_owner1.title`

**Expected Values:**
255 char max | | home | object | No | Address associated with the business.

**Schema:**
`businesses/beneficial_owner1.home`

**Expected Values:**
See Address. | | phone | string | No | Ten-digit phone number of the beneficial owner.

**Schema:**
`businesses/beneficial_owner1.phone`

**Expected Values:**
Format: 510-555-1212 or 5105551212 |

Address

The following are attributes of the `Address` derived type. | Attribute | Type | Required? | Description | | ------------ | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | address1 | string | No | Cardholder’s address.

**Schema:**
`event.transaction.home.address1`

**Expected Values:**
255 char max | | address2 | string | No | Additional address information for the cardholder.

**Schema:**
`event.transaction.home.address2`

**Expected Values:**
255 char max | | city | string | No | City where the cardholder resides.

**Schema:**
`event.transaction.home.city`

**Expected Values:**
40 char max | | title | string | No | The beneficial owner’s title.

**Schema:**
`event.transaction.home.title`

**Expected Values:**
255 char max | | state | string | No | State in which the cardholder resides.

**Schema:**
`event.transaction.home.state`

**Expected Values:**
2 char max | | zip | string | No | United States ZIP code of the cardholder’s address.

**Schema:**
`event.transaction.home.zip`

**Expected Values:**
10 char max | | postal\_code | string | No | Postal code of the cardholder’s address.

**Schema:**
`event.transaction.home.postal_code`

**Expected Values:**
10 char max | | country | string | No | Country where the cardholder resides.

**Schema:**
`event.transaction.home.country`

**Expected Values:**
40 char max |

TokenServiceProvider

The following are attributes of the `TokenServiceProvider` derived type. | Attribute | Type | Required? | Description | | ---------------------------- | ------ | --------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token\_reference\_id | string | No | Unique identifier of the digital wallet token within the card network.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_reference_id`

**Expected Values:**
Existing Token Reference ID | | pan\_reference\_id | string | No | Unique identifier of the digital wallet token primary account number (PAN) within the card network.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.pan_reference_id`

**Expected Values:**
Existing PAN Reference ID | | correlation\_id | string | No | Unique value representing a tokenization request (Mastercard only).

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.correlation_id`

**Expected Values:**
Existing correlation identifier | | token\_requestor\_id | string | No | Unique numerical identifier of the token requestor within the card network. These ID numbers map to `token_requestor_name` field values.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_requestor_id`

**Expected Values:**
11 char max

**Example Values**
Mastercard – `50110030273`, `50120834693`, `50139059239`

Visa – `40010030273`, `40010075001`, `40010075338`, `40010075449`, `40010075839`, `40010043095` | | token\_requestor\_name | string | No | Name of the token requestor within the card network.

**Note**: The list of example values for this field is maintained by the card networks and is subject to change.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_requestor_name`

**Expected Values:**
255 char max | | token\_type | string | No | Type of the digital wallet token.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_type`

**Expected Values:**
`MERCHANT_CARD_ON_FILE`, `DEVICE_SECURE_ELEMENT`, `DEVICE_CLOUD_BASED`, `ECOMMERCE_DIGITAL_WALLET` | | token\_bin | string | No | The token BIN.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_bin`

**Expected Values:**
| | token\_expiration | string | No | Expiration date of the digital wallet token.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_expiration`

**Expected Values:**
Format: MMyy | | token\_score | string | No | Token score assigned by the digital wallet.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_score`

**Expected Values:**
25 char max | | token\_assurance\_level | string | No | (Mastercard only) Represents the confidence level in the digital wallet token.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_assurance_level`

**Expected Values:**
0-99 | | token\_eligibility\_decision | string | No | Digital wallet’s decision as to whether the digital wallet token should be provisioned.

**Schema:**
`event.transaction.digital_wallet_token.token_service_provider.token_eligibility_decision`

**Expected Values:**
`DECISION_RED`, `DECISION_YELLOW`, `DECISION_GREEN` |

Device

The following are attributes of the `Device` derived type. | Attribute | Type | Required? | Description | | -------------- | ------ | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token | string | No | Unique identifier of the device object.

**Schema:**
`event.transaction.digital_wallet_token.device.token`

**Expected Values:**
36 char max | | type | string | No | Type of device provisioned.

**Schema:**
`event.transaction.digital_wallet_token.device.type`

**Expected Values:**
`MOBILE_PHONE`, `WATCH`, `TABLET`, `MOBILE_PHONE_OR_TABLET`, `VEHICLE`, `APPLIANCE`, `LAPTOP`, `GAMING_DEVICE`, `UNKNOWN` | | language\_code | string | No | Language the device is configured to use.

**Schema:**
`event.transaction.digital_wallet_token.device.language_code`

**Expected Values:**
50 char max | | device\_id | string | No | Identity number of the device.

**Schema:**
`event.transaction.digital_wallet_token.device.device_id`

**Expected Values:**
20 char max | | phone\_number | string | No | Device’s telephone number.

**Schema:**
`event.transaction.digital_wallet_token.device.phone_number`

**Expected Values:**
50 char max | | name | string | No | Name of the device.

**Schema:**
`event.transaction.digital_wallet_token.device.name`

**Expected Values:**
50 char max | | location | string | No | Geographic coordinates of the device.

**Schema:**
`event.transaction.digital_wallet_token.device.location`

**Expected Values:**
Latitude and longitude in `DDD.DD/DDD.DD` format.

**Note**: Both the longitude and latitude are prefixed with either a `+` or `-` symbol, for example: `+42.29/-71.07`. | | ip\_address | string | No | Device’s IP address.

**Schema:**
`event.transaction.digital_wallet_token.device.ip_address`

**Expected Values:**
50 char max |

CardProductConfig

The following are attributes of the `CardProductConfig` derived type. | Attribute | Type | Required? | Description | | --------------------- | ------ | --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | poi | object | No | Contains information that governs the point of interaction.

**Schema:**
`event.transaction.card.card_product.config.poi`

**Expected Values:**
See the Poi object. | | transaction\_controls | object | No | Contains transactional characteristics of card usage.

**Schema:**
`event.transaction.card.card_product.config.transaction_controls`

**Expected Values:**
See the TransactionControls object. | | jit\_funding | string | No | Contains JIT Funding information.

**Schema:**
`event.transaction.card.card_product.config.jit_funding`

**Expected Values:**
See the JitFunding object. |

WalletProviderProfile

The following are attributes of the `WalletProviderProfile` derived type. | Attribute | Type | Required? | Description | | ----------------------- | ---------------- | --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | device\_score | string | No | Score from the digital wallet provider.

**Schema:**
`event.transaction.digital_wallet_token.wallet_provider_profile.account.score`

**Expected Values:**
50 char max | | pan\_source | string | No | Source from which the digital wallet provider obtained the card primary account number (PAN).

**Schema:**
`event.transaction.digital_wallet_token.wallet_provider_profile.pan_source`

**Expected Values:**
`KEY_ENTERED`, `ON_FILE`, `MOBILE_BANKING_APP` | | reason\_code | string | No | Reason for the wallet provider’s provisioning decision.

01 - Cardholder’s wallet account is too new relative to launch.

02 - Cardholder’s wallet account is too new relative to provisioning request.

03 - Cardholder’s wallet account/card pair is newer than date threshold.

04 - Changes made to account data within the account threshold.

05 - Suspicious transactions linked to this account.

06 - Account has not had activity in the last year.

07 - Suspended cards in the secure element.

08 - Device was put in lost mode in the last seven days for longer than the duration threshold.

09 - The number of provisioning attempts on this device in 24 hours exceeds threshold.

0A - There have been more than the threshold number of different cards attempted at provisioning to this phone in 24 hours.

0B - The card provisioning attempt contains a distinct name in excess of the threshold.

0C - The device score is less than 3.

0D - The account score is less than 4.

0E - Device provisioning location outside of the cardholder’s wallet account home country.

0G - Suspect fraud.

**Schema:**
`event.transaction.digital_wallet_token.wallet_provider_profile.reason_code`

**Expected Values:**
01, 02, 03, 04, 05, 06, 07, 08, 09, 0A, 0B, 0C, 0D, 0E, 0G | | recommendation\_reasons | array of strings | No | Array of recommendation reasons from the digital wallet provider.

**Schema:**
`event.transaction.digital_wallet_token.wallet_provider_profile.recommendation_reasons`

**Expected Values:**
Valid array of one or more recommendation reasons |

Poi

The following are attributes of the `Poi` derived type. | Attribute | Type | Required? | Description | | --------- | ------- | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | other | string | No | Contains information about the other POI.

**Schema:**
`event.transaction.card.card_product.config.poi.other`

**Expected Values:**
See the OtherPoi object. | | ecommerce | boolean | No | Indicates if the POI is ecommerce.

**Schema:**
`event.transaction.card.card_product.config.poi.ecommerce`

**Expected Values:**
`true`, `false` | | atm | boolean | No | Indicates if the POI is an ATM.

**Schema:**
`event.transaction.card.card_product.config.poi.atm`

**Expected Values:**
`true`, `false` |

OtherPoi

The following are attributes of the `OtherPoi` derived type. | Attribute | Type | Required? | Description | | ------------------------------ | ------- | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | allow | boolean | No | If set to `true`, card transactions at points of interaction other than e-commerce or ATMs are allowed. This group includes points of sale (POS).

**Schema:**
`event.transaction.card.card_product.config.poi.other.allow`

**Expected Values:**
`true`, `false` | | card\_presence\_required | boolean | No | If set to `true`, cards of this card product type are required to be present during the transaction, such as in IVR scenarios.

**Schema:**
`event.transaction.card.card_product.config.poi.other.card_presence_required`

**Expected Values:**
`true`, `false` | | cardholder\_presence\_required | boolean | No | If set to `true`, the cardholder is required to be present during the transaction, such as in a restaurant where the card is present but the cardholder might not be present when the card is swiped.

**Schema:**
`event.transaction.card.card_product.config.poi.other.cardholder_presence_required`

**Expected Values:**
`true`, `false` |

TransactionControls

The following are attributes of the `TransactionControls` derived type. | Attribute | Type | Required? | Description | | ---------------------------------------------------------------- | ------- | --------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | accepted\_countries\_token | string | No | Determines the list of countries in which a card can perform transactions.

If set to `accept_us_only`, allows transactions only within the US.

If set to `decline_ofac_countries`, allows international transactions except with countries that the Financial Action Task Force (FATF) and Office of Foreign Assets Control (OFAC) have identified as high risk.

Users with the Admin role can create and update additional lists of accepted countries for transactions at the `/acceptedcountries` endpoint.

**Schema:**
`cevent.transaction.card.card_product.config.transaction_control.accepted_countries_token`

**Expected Values:**
`accept_us_only`, `decline_ofac_countries`, additional Admin-defined tokens | | always\_require\_pin | boolean | No | If set to `true`, cards of this card product type require a personal identification number (PIN).

**Schema:**
`event.transaction.card.card_product.config.transaction_control.always_require_pin`

**Expected Values:**
`true`, `false` | | allow\_gpa\_auth | boolean | No | If set to `true`, transactions can be authorized using GPA funds.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.allow_gpa_auth`

**Expected Values:**
`true`, `false` | | require\_card\_not\_present\_card\_security\_code | boolean | No | A value of `true` indicates that if `card_presence_required` is true, the card’s security code is required.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.require_card_not_present_card_security_code`

**Expected Values:**
`true`, `false` | | allow\_mcc\_group\_authorization\_controls | boolean | No | Indicates whether to allow MCC group authorization controls within the card product.

The MCC group authorization\_controls object allows you to automatically increase authorization holds and to specify authorization expiration times based on merchant type. By default, these settings apply to all cards in your program. You can, however, exempt cards associated with a particular card product by setting this field to `false`.

**Note**: Partial authorizations are disallowed if this field is set to `true`.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.allow_mcc_group_authorization_controls`

**Expected Values:**
`true`, `false` | | allow\_first\_pin\_set\_via\_financial\_transaction (deprecated) | boolean | No | Allows cardholders to define a personal identification number (PIN) as they complete their first PIN-debit transaction.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.allow_first_pin_set_via_financial_transaction`

**Expected Values:**
`true`, `false` | | ignore\_card\_suspended\_state | boolean | No | Allows transactions to be approved even if the card’s `state = SUSPENDED`. When this field is set to `true`, the card behaves as if its `state = ACTIVE`.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.ignore_card_suspended_state`

**Expected Values:**
`true`, `false` | | allow\_chip\_fallback | boolean | No | Indicates whether to allow transactions where a Europay Mastercard and Visa (EMV) chip-enabled card was processed using the magstripe as fallback.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.allow_chip_fallback`

**Expected Values:**
`true`, `false` | | allow\_network\_load | boolean | No | Indicates whether card network loads are allowed. The associated card’s state must be `ACTIVE` or the load will be rejected.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.allow_network_load`

**Expected Values:**
`true`, `false` | | allow\_network\_load\_card\_activation | boolean | No | Indicates whether card network loads are allowed. Sets the associated card’s state to `ACTIVE` if its current state is `INACTIVE`.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.allow_network_load_card_activation`

**Expected Values:**
`true`, `false` | | allow\_quasi\_cash | boolean | No | Indicates whether quasi-cash transactions are allowed. In a quasi-cash transaction, the cardholder purchases an item that can be directly converted to cash, such as traveler’s checks, money orders, casino chips, or lottery tickets.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.allow_quasi_cash`

**Expected Values:**
`true`, `false` | | enable\_partial\_auth\_approval | boolean | No | Set to true to enable partial authorizations.

When this setting is `false` and the requested authorization amount exceeds available funds, the transaction is declined. When this setting is `true` and the requested authorization amount exceeds available funds, the transaction is authorized for the amount of available funds.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.enable_partial_auth_approval`

**Expected Values:**
`true`, `false` | | address\_verification | object | No | Contains configuration options for AVS.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.address_verification`

**Expected Values:**
See the AvsControls object. | | notification\_language | string | No | Specifies the language for 3D Secure and digital wallet token notifications sent to cardholders under this card program. By default, notifications are sent in English (`eng`). You can also send notifications to your cardholders in Czech (`ces`), Dutch (`nld`), French (`fra`), German (`deu`), Greek (`ell`), Italian (`ita`), Polish (`pol`), Portuguese (`prt`), Romanian (`ron`), Spanish (`spa`), or Swedish (`swe`). If this field is blank, cardholders receive notifications in English.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.notification_language`

**Expected Values:**
`ces`, `nld`, `fra`, `deu`, `ell`, `ita`, `pol`, `prt`, `ron`, `spa`, `swe` | | strong\_customer\_authentication\_limits | object | No | Contains information about strong customer authentication (SCA) behavior for contactless point-of-sale (POS) and low-value payment (LVP) e-commerce transactions.

**Schema:**
`cevent.transaction.card.card_product.config.transaction_control.strong_customer_authentication_limits`

**Expected Values:**
See the StrongCustomerAuthenticationLimits object. |

JitFunding

The following are attributes of the `JitFunding` derived type. | Attribute | Type | Required? | Description | | ------------------------------- | ------ | --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | payment\_funding\_source | object | No | Enables and configures a payment funding source.

**Schema:**
`event.transaction.card.card_product.config.jit_funding.payment_funding_source`

**Expected Values:**
See the JitFundingPaymentcardFundingSource object. | | programgateway\_funding\_source | object | No | Enables and configures a program gateway funding source.

**Schema:**
`event.transaction.card.card_product.config.jit_funding.programgateway_funding_source`

**Expected Values:**
See the JitFundingProgramgatewayFundingSource object. | | program\_funding\_source | object | No | Enables and configures a program funding source.

**Schema:**
`event.transaction.card.card_product.config.jit_funding.program_funding_source`

**Expected Values:**
See the JitFundingProgramFundingSource object. |

AvsControls

The following are attributes of the `AvsControls` derived type. | Attribute | Type | Required? | Description | | -------------- | ------ | --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | av\_messages | object | No | Contains verification options for account verification messages. These are \$0 messages typically used to store cards on file at a merchant.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.address_verification.av_messages`

**Expected Values:**
See the AvsControlOptions object. | | auth\_messages | object | No | Contains verification options for authorization messages. These messages pertain to actual purchases and are for amounts greater than \$0.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.address_verification.auth_messages`

**Expected Values:**
One or more verification options. See the AvsControlOptions object. |

AvsControlOptions

The following are attributes of the `AvsControlOptions` derived type. | Attribute | Type | Required? | Description | | -------------------------------------- | ------- | --------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | validate | boolean | No | Indicates whether or not to require validation of account verification or authorization messages.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.address_verification.av_messages.validate`

**Expected Values:**
| | decline\_on\_address\_number\_mismatch | boolean | No | Indicates whether or not to decline account verification or authorization messages whose address number does not match the address number on file.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.address_verification.av_messages.decline_on_address_number_mismatch`

**Expected Values:**
| | decline\_on\_postal\_code\_mismatch | boolean | No | Indicates whether or not to decline account verification or authorization messages whose postal code does not match the postal code on file.

**Schema:**


**Expected Values:**
|

StrongCustomerAuthenticationLimits

The following are attributes of the `StrongCustomerAuthenticationLimits` derived type. | Attribute | Type | Required? | Description | | -------------------------------------------- | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | sca\_contactless\_transaction\_limit | string | No | Specifies the maximum allowable amount for a single contactless point-of-sale (POS) transaction, above which the cardholder receives a strong customer authentication (SCA) challenge.

A value of 0 in this field means that the amount of any single contactless POS transaction performed by the cardholder does not impact the decision of whether or not an SCA challenge is served.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.sca_contactless_transaction_limit`

**Expected Values:**
Format: 0.00 | | sca\_contactless\_cumulative\_amount\_limit | string | No | Specifies the cumulative limit of transactions the cardholder can perform before receiving an SCA challenge.

A value of `0` in this field means that the cumulative amount spent in contactless POS transactions performed by the cardholder does not impact the decision of whether or not an SCA challenge is served.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.sca_contactless_cumulative_amount_limit`

**Expected Values:**
Format: 0.00 | | sca\_contactless\_transactions\_count\_limit | string | No | Specifies the number of contactless POS transactions the cardholder can perform before receiving an SCA challenge.

A value of `0` in this field means that the number of contactless POS transactions performed by the cardholder does not impact the decision of whether or not an SCA challenge is served.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.sca_contactless_transactions_count_limit`

**Expected Values:**
Any integer, such as `5`. | | sca\_contactless\_transactions\_currency | string | No | Specifies the currency type for contactless POS transactions.

This field is required if either the `sca_contactless_transaction_limit` field or the `sca_contactless_cumulative_amount_limit` field in this object contains a value, even if that value is `0`.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.sca_contactless_transactions_currency`

**Expected Values:**
Valid three-digit ISO 4217 currency type, such as EUR. | | sca\_lvp\_transaction\_limit | string | No | Specifies the maximum allowable amount for a single low-value payment (LVP) e-commerce transaction, above which the cardholder receives a strong customer authentication (SCA) challenge.

If the field is blank, the amount of any single LVP e-commerce transaction performed by the cardholder does not impact the decision of whether or not an SCA challenge is served.

**Schema:**
`cevent.transaction.card.card_product.config.transaction_control.sca_lvp_transaction_limit`

**Expected Values:**
Format: 0.00 | | sca\_lvp\_transactions\_count\_limit | string | No | Specifies the number of LVP e-commerce transactions the cardholder can perform before receiving an SCA challenge.

If the field is blank, the total number of LVP e-commerce transactions performed by the cardholder does not impact the decision of whether or not an SCA challenge is served.

**Schema:**
`cevent.transaction.card.card_product.config.transaction_control.sca_lvp_transactions_count_limit`

**Expected Values:**
An integer, such as `5`. | | sca\_lvp\_transactions\_currency | string | No | Specifies the currency type for LVP e-commerce transaction limits.

This field is required if any one of the `sca_lvp_transaction_limit`, `sca_lvp_cumulative_amount_limit`, or `sca_lvp_transactions_count_limit` fields in this object contains a value, even if that value is `0`.

**Schema:**
`event.transaction.card.card_product.config.transaction_control.sca_lvp_transactions_currency`

**Expected Values:**
Valid three-digit ISO 4217 currency type, such as `EUR`. |

JitFundingPaymentcardFundingSource

The following are attributes of the `JitFundingPaymentcardFundingSource` derived type. | Attribute | Type | Required? | Description | | -------------------- | ------- | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | enabled | boolean | No | Specifies whether JIT Funding is enabled or disabled for the program gateway funding source. A value of true indicates that the program gateway funding source is enabled and will be debited when swipes occur.

**Schema:**
`cardproducts/config.jit_funding.paymentcard_funding_source.enabled`

**Expected Values:**
`true`, `false` | | refunds\_destination | string | No | Specifies the return destination for refunds in the case of a transaction reversal. `PROGRAM_FUNDING_SOURCE` returns funds to the program funding source. `GPA` returns the funds to the user’s GPA.

**Schema:**
`cardproducts/config.jit_funding.program_funding_source.refunds_destination`

**Expected Values:**
`GATEWAY`, `GPA`, `WATERFALL` |

JitFundingProgramgatewayFundingSource

The following are attributes of the `JitFundingProgramgatewayFundingSource` derived type. | Attribute | Type | Required? | Description | | ---------------------- | ------- | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | enabled | boolean | No | Specifies whether JIT Funding is enabled or disabled for the program gateway funding source. A value of `true` indicates that the program gateway funding source is enabled and will be debited when swipes occur.

**Schema:**
`cardproducts/config.jit_funding.programgateway_funding_source.enabled`

**Expected Values:**
`true`, `false` | | funding\_source\_token | string | No | Unique identifier of the already existing funding source. Required if JIT Funding is enabled.

**Schema:**
`cardproducts/config.jit_funding.programgateway_funding_source.funding_source_token`

**Expected Values:**
36 char max | | refunds\_destination | string | No | Specifies the return destination for refunds in the case of a transaction reversal. In most cases, you should set the value to `GATEWAY`, which returns funds to the program gateway funding source. Setting to `GPA` returns the funds to the user’s GPA, which creates a positive account balance and introduces the potential of a transaction being authorized without a JIT Funding request being sent to the gateway.

**Schema:**
`cardproducts/config.jit_funding.programgateway_funding_source.refunds_destination`

**Expected Values:**
`GATEWAY`, `GPA`, `WATERFALL` | | always\_fund | boolean | No | If set to `true`, this card product is always funded from this program gateway funding source.

**Schema:**
`cardproducts/config.jit_funding.programgateway_funding_source.always_fund`

**Expected Values:**
`true`, `false` |

JitFundingProgramFundingSource

The following are attributes of the `JitFundingProgramFundingSource` derived type. | Attribute | Type | Required? | Description | | -------------------- | ------- | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | enabled | boolean | No | Specifies whether JIT Funding is enabled or disabled for the program funding source. A value of `true` indicates that the program funding source is enabled and will be debited when swipes occur.

**Schema:**
`cardproducts/config.jit_funding.program_funding_source.enabled`

**Expected Values:**
`true`, `false` | | refunds\_destination | string | No | Specifies the return destination for refunds in the case of a transaction reversal. `PROGRAM_FUNDING_SOURCE` returns funds to the program funding source. `GPA` returns the funds to the user’s GPA.

**Schema:**
`cardproducts/config.jit_funding.program_funding_source.refunds_destination`

**Expected Values:**
`GATEWAY`, `GPA`, `WATERFALL` |

AddressVerification

The following are attributes of the `AddressVerification` derived type. | Attribute | Type | Required? | Description | | --------------- | ------ | --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | name | string | No | Name of the addressee.

**Schema:**
`event.transaction.address_verification.name`

**Expected Values:**
| | street\_address | string | No | Street name and number of the address.

**Schema:**
`event.transaction.address_verification.on_file.street_address`

**Expected Values:**
40 char max | | zip | string | No | United States ZIP code of the address.

**Schema:**
`event.transaction.address_verification.on_file.zip`

**Expected Values:**
10 char max | | postal\_code | string | No | Postal code of the address.

**Schema:**
`event.transaction.address_verification.on_file.postal_code`

**Expected Values:**
10 char max |

NetworkMetadata

The following are attributes of the `NetworkMetadata` derived type. | Attribute | Type | Required? | Description | | ----------------------------- | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | product\_id | string | No | Product identification value assigned by the card network to each card product. Can be used to track card-level activity by individual account number for premium card products.

**Schema:**
`event.transaction.network_metadata.product_id`

**Expected Values:**
`AMERICAN_EXPRESS`, `DINERS`, `DISCOVER`, `FLEXIBLE_RATE_B2B_VIRTUAL_PROGRAM`, `JCB`, `MASTERCARD`, `PRIVATE_LABEL`, `PRIVATE_LABEL_BASIC`, `PRIVATE_LABEL_ENHANCED`, `PRIVATE_LABEL_PREMIUM`, `PRIVATE_LABEL_SPECIALIZED`, `PRIVATE_LABEL_STANDARD`, `PROPRIETARY`, `PROPRIETARY_ATM`, `V_PAY`, `VISA_B2B_VIRTUAL_PAYMENTS``VISA_BUSINESS`, `VISA_BUSINESS_ENHANCED/VISA_PLATINUM_BUSINESS`, `VISA_BUSINESS_REWARDS`, `VISA_CLASSIC`, `VISA_COMMERCIAL_AGRICULTURE`, `VISA_COMMERCIAL_MARKETPLACE`, `VISA_COMMERCIAL_TRANSPORT`, `VISA_CORPORATE_T&E`, `VISA_ELECTRON`, `VISA_FLEXIBLE_CREDENTIAL`, `VISA_GOLD`, `VISA_GOVERNMENT_CORPORATE_T&E`, `VISA_GOVERNMENT_PURCHASING`, `VISA_GOVERNMENT_PURCHASING_WITH_FLEET`, `VISA_HEALTHCARE`, `VISA_INFINITE`, `VISA_INFINITE_BUSINESS`, `VISA_INFINITE_PRIVILEGE`, `VISA_PLATINUM`, `VISA_PURCHASING`, `VISA_PURCHASING_WITH_FLEET/VISA_FLEET_(CANADA_ONLY)`, `VISA_REWARDS`, `VISA_SELECT`, `VISA_SIGNATURE`, `VISA_SIGNATURE_BUSINESS`, `VISA_SIGNATURE_PREFERRED`, `VISA_TRADITIONAL`, `VISA_TRADITIONAL_REWARDS`, `VISA_TRAVELMONEY`, `VISA_ULTRA_HIGH_NET_WORTH_(UHNW)` | | program\_id | string | No | Program identification number used with `product_id` that identifies the programs associated with a card within a program registered by the issuer with the card network.

**Schema:**
`event.transaction.network_metadata.program_id`

**Expected Values:**
255 char max | | spend\_qualifier | string | No | Indicates whether or not the base spend-assessment threshold defined by the card network has been met.

**Schema:**
`event.transaction.network_metadata.spend_qualifier`

**Expected Values:**
255 char max | | surcharge\_free\_atm\_network | string | No | Name of the surcharge-free ATM network used to complete the transaction.

**Schema:**
`event.transaction.network_metadata.surcharge_free_atm_network`

**Expected Values:**
`AllPoint`, `MoneyPass`, `MoneyPass Pulse Select` |

TransactionMetadata

The following are attributes of the `TransactionMetadata` derived type. | Attribute | Type | Required? | Description | | ---------------------------------- | ------- | --------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | transaction\_category | string | No | Industry for which the transaction was originated.

**Schema:**
`event.transaction.transaction_metadata.cross_border_transaction`

**Expected Values:**
`RETAIL_SALE`, `BILL_PAY`, `HOTEL`, `HEALTH_CARE`, `RESTAURANT`, `AUTO_RETAIL`, `AIRLINE`, `PAYMENT`, `HOSPITALIZATION_COLLEGE`, `PHONE_MAIL_ECOMMERCE`, `ATM`, `TRANSIT` | | payment\_channel | string | No | Channel from which the transaction originated.

**Schema:**
`event.transaction.transaction_metadata.payment_channel`

**Expected Values:**
`OTHER`, `ATM`, `ECOMMERCE`, `MAIL`, `PHONE`, `MOTO` | | cross\_border\_transaction | boolean | No | Whether the transaction is cross-border, such as when the merchant and the cardholder are located in two different countries.

**Schema:**
`event.transaction.transaction_metadata.cross_border_transaction`

**Expected Values:**
`true`, `false` | | authorization\_life\_cycle | string | No | Number of days the pre-authorization is in effect.

**Schema:**
`event.transaction.transaction_metadata.authorization_life_cycle`

**Expected Values:**
Any integer | | is\_lodging\_auto\_rental | boolean | No | Whether the transaction is a lodging or vehicle rental.

**Schema:**
`event.transaction.transaction_metadata.is_lodging_auto_rental`

**Expected Values:**
`true`, `false` | | lodging\_auto\_rental\_start\_date | string | No | Date and time when the lodging check-in or vehicle rental began.

**Schema:**
`event.transaction.transaction_metadata.lodging_auto_rental_start_date`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | transit | string | No | Contains merchant-provided, transit-related metadata related to the transaction.

**Schema:**
`event.transaction.transaction_metadata.transit`

**Expected Values:**
See the Transit object. | | airline | string | No | Contains information about airline-related transactions.

**Schema:**
`event.transaction.transaction_metadata.airline`

**Expected Values:**
See the Airline object. | | moto\_indicator | string | No | Indicates the type of mail or telephone order transaction.

**Schema:**
`event.transaction.transaction_metadata.moto_indicator`

**Expected Values:**
`UNKNOWN`, `MANUAL`, `RECURRING`, `INSTALLMENT`, `OTHERS` |

Transit

The following are attributes of the `Transit` derived type. | Attribute | Type | Required? | Description | | -------------------- | ------ | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | transaction\_type | string | No | Type of transit transaction.

**Schema:**
`event.transaction.transaction_metadata.transaction_type`

**Expected Values:**
`PRE_FUNDED`, `REAL_TIME_AUTHORIZED`, `POST_AUTHORIZED_AGGREGATED`, `AUTHORIZED_AGGREGATED_SPLIT_CLEARING`, `DEBIT_RECOVERY`, `OTHER` | | transportation\_mode | string | No | Mode of transportation.

**Schema:**
`event.transaction.transaction_metadata.transportation_mode`

**Expected Values:**
`BUS`, `TRAIN`, `WATER_BORNE_VEHICLE`, `TOLL`, `PARKING`, `TAXI`, `PARA_TRANSIT`, `SELF_DRIVE_VEHICLE`, `COACH`, `LOCOMOTIVE`, `POWERED_MOTOR_VEHICLE`, `TRAILER`, `INTER_CITY`, `CABLE_CAR` |

Airline

The following are attributes of the `Airline` derived type. | Attribute | Type | Required? | Description | | ----------------- | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | passenger\_name | string | No | The name of the passenger.

**Schema:**
`event.transaction.transaction_metadata.airline.passenger_name`

**Expected Values:**
255 char max | | depart\_date | string | No | The date and time of departure.

**Schema:**
`event.transaction.ttransaction_metadata.airline.depart_date`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | origination\_city | string | No | The city where the flight originates.

**Schema:**
`event.transaction.transaction_metadata.airline.origination_city`

**Expected Values:**
255 char max |

CARD\_FRAUD event types

The following section describes the schemas for `CARD_FRAUD` Real-Time Decsioning event types.

CardFraud

The following are attributes of the `CardFraud` derived type. | Attribute | Type | Required? | Description | | ------------- | -------- | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | token | string | Yes | A Marqeta-created UUID to uniquely identify this fraud event.

**Schema:**
`event.fraud.transaction.token`

**Expected Values:**
36 char max | | transaction | object | Yes | The transaction associated with the fraud event.

**Schema:**
`event.fraud.transaction`

**Expected Values:**
See the TransactionModel object. | | is\_fraud | boolean | No | Indicates if fraud is suspected in the transaction.

**Schema:**
`event.fraud.is_fraud`

**Expected Values:**
`true`, `false` | | status | string | Yes | The fraud status of the transaction.

**Schema:**
`event.fraud.status`

**Expected Values:**
`CONFIRMED`, `DISPUTED` | | actor | string | No | The actor for this transaction.

**Schema:**
`event.fraud.actor`

**Expected Values:**
`UNKNOWN`, `THIRD_PARTY_FRAUD`, `CARD_USER_FRAUD` | | created\_time | datetime | No | The date and time when Marqeta created this chargeback event.

**Schema:**
`event.fraud.transaction.created_time`

**Expected Values:**
Format: yyyy-MM-ddThh:mm:ssZ | | amount | number | No | The amount of the fraud event.

**Schema:**
`event.fraud.transaction.amount`

**Expected Values:**
Format: 0.00 | | source | string | No | The source of the fraud event:

`API` – Marqeta Customer facing API

`REVIEW_MANAGER` – Marqeta Review Manager

`NETWORK` – The card network

`HISTORICAL` – Historical data download for training

**Schema:**


**Expected Values:**
`API`, `REVIEW_MANAGER`, `NETWORK`, `HISTORICAL` |

keyValuePair

The following are attributes of the `keyValuePair` derived type. | Attribute | Type | Required? | Description | | --------- | ------ | --------- | ------------ | | key | string | No | 255 char max | | value | string | No | 255 char max |