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The Transaction details page provides information that you can use to investigate issues that may have occurred during a transactions. Some instances of transactions that may warrant investigation:
  • An unexpected transaction due to a false post—that is, a clearing without a preceding approval or linked approval.
  • Why a clearing occurred that should not have cleared.
  • Why a transaction was declined.
This information is useful for your customer support agents when a cardholder calls to inquire why a transaction did or did not complete.

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Accessing transaction details

To access Transaction details:
1
Open the Marqeta Dashboard.
2
Select Dashboard in the upper-left corner, then select Customers > Users from the sidebar.
3
Select a customer from the list.
4
Select the Transactions tab.
5
Select a row to display the details for that transaction.
To view reference information for the fields displayed on the Transaction details page, see Transaction details.

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Core details of a transaction

The following sections of the Transaction details page provide the core information essential for investigating a transaction:
  • Transaction summary
  • POS details
  • Related transactions

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Transaction summary

The summary at the top provides an overview of the transaction and merchant, including the transaction type, current transaction state, and reason for the current state.
Transaction details
For more information on transaction events and response codes, see Transaction response codes.

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POS details

Point-of-sale information is displayed in the POS details section. This includes information such as whether the cardholder was physically present during the transaction, whether a chip was used, and the merchant ID. More information is provided in the Additional details panel on the right.
POS details

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Related transactions

The Related transactions section provides a historical log in chronological order, allowing you to follow the sequence of linked transactions that led to the current transaction state. To view more information on the related transaction, select the transaction row.
Related transactions

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Determining the cause of a declined transaction

When a transaction is declined, you many need to determine the cause. The TRANSACTION DETAILS area in the summary provides basic information about the decline authorization, including the reason for the decline, reason code, and a short description. For a list of reason codes and descriptions, see Transaction response codes.
Declined transaction
The POS details and JIT Funding sections also include useful information about the declined transaction. For JIT transactions, the Decline reason field provides the reason that the transaction was declined, such as insufficient funds. Additional information may be available in the Memo and Tags fields if provided by your organization.

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Investigating approved transactions

In some cases, a transaction may have been unexpectedly approved. Some examples are:
  • Skipped authorization
  • Commando mode approval
  • 3DS authentication was exempted
  • Merchant chose to push the transaction through
For these transactions, begin with the reason, response code, and description displayed in the TRANSACTION DETAILS of the summary. For a list of reason codes and descriptions, see Transaction response codes.

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JIT Funding transactions

The JIT Funding section shows the result of a JIT Funding transaction, including the customer response. Authorization JIT transactions have a programgateway funding type. The following shows the JIT Funding section:
JIT details
The Memo and Tags fields may be set by your company to indicate internal decline reasons.
Note
For Visa transactions, the Network Reference ID is prepended with 0002. When researching a transaction with the Visa network, remove the prefix to get the Visa transaction ID.

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Timed-out transactions

Because the card network requires a timely response from the Marqeta platform, there is a timeout limit on the response from your gateway. If your gateway doesn’t respond to the JIT Funding request within three seconds, the Marqeta platform declines the transaction to the network. If a JIT transaction has timed out, the Timed out field is set to true. Time details are shown in the DURATIONS area. For more information, see Identifying and resolving timeouts.

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E-commerce transactions

For e-commerce transactions, the Payment channel in POS details is set to Ecommerce. The following additional fields are displayed in CARDHOLDER AUTHENTICATION section of the POS details section.
  • Electronic commerce indicator – The level of verification performed: Authentication successful, Authentication attempted, or No authentication
  • Authentication method – The 3D Secure authentication method: Audio call, Behavioral biometrics, Biometric face, Biometric fingerprint, Decoupled, Delegated trusted authentication, In app login, Knowledge based, OTP SMS, OTP email, Secure payment confirmation, Video call, Voice recognition, Web authentication, or Other
  • Authentication status – The 3D Secure authentication status: Cancelled, Failed, Not authenticated, Success, or Successful non payment
  • 3DS version – The 3DS version used for authentication.
E-commerce transaction

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Token e-commerce transactions

Token e-commerce authorizations have an Ecommerce payment channel displayed in the POS detail section with additional displayed fields in Cardholder authentication data section. When the authorization type is a token e-commerce authorization, the Digital Wallet token and Device sections are displayed, which provides information about the digital wallet and device used for the transaction.
Digital wall details
Useful information includes the Score field in the RISK ASSESSMENT area, which shows the digital wallet’s decision whether the digital wallet token should be provisioned: Decision red, Decision yellow, or Decision green.

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Address verification

The ADDRESS VERIFICATION area at the bottom of the Digital wallet token section displays address verification data. The address is displayed if the address is verified. If the address cannot be verified and the transaction declined, a memo indicates specifically how the address was different and the outcome.
Address verification details

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Multi-currency amounts

The Amounts section provides details on the transaction amounts, resulting balances, settlement, and currencies.
Amounts
Multi-currency transactions can involve up to three currencies: that used by the card, the local transaction, and the settlement currency. In this scenario, the transaction may authorize in one currency, clear in another, and settle in a third currency. For additional information about the conversion, see the Cross border issuer fee and Interchange fee fields in the POS details section.

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Transaction response codes

A transaction response code is used to describe the outcome of a transaction attempt. Use the response codes displayed in the Transaction response codes section of the About Transactions guide to help you understand a transaction’s outcome. For more information on the various types of events that the Marqeta platform supports, see the Transaction events section of the Event Types page.

Related topics

Managing Customers in the Marqeta DashboardAbout TransactionsHome in the Marqeta DashboardTransactions OverviewReports in the Marqeta Dashboard