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When returning a response to a Gateway Just-in-Time (JIT) Funding request, you can overwrite Marqeta’s proposed name-matching result. To overwrite the name-matching result, you must return the updated cardholder name and corresponding response code in your JIT Funding response. Participating in the ANI decision-making process is optional. Those who choose to participate must support the Just-in-Time (JIT) request model. As part of transacting under the JIT model, you receive a synchronous JIT request with Marqeta’s proposed match result. You can choose to approve the proposed results or to overwrite the results by returning different values in the response back to Marqeta. ANI JIT messages are only exchanged between you and Marqeta if ANI is requested, and the JIT request uses the same account_name_verification model.
Note
This functionality is only available if your program is configured for Gateway JIT Funding. If you are preloading funds or using Managed JIT Funding, which do not rely on interacting with your system, you cannot overwrite Marqeta’s name-matching results.
At the end of this guide, you should understand:
  • The role of ANI in JIT Funding requests.
  • How to overwrite the name-matching results and match determination using your gateway endpoint’s JIT Funding response.

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Prerequisites

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Concepts

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Account Name Inquiry

Account Name Inquiry (ANI) allows originating institutions to verify that the name users are providing during their card registration matches the name associated with the card on file by the card issuer. You can choose to participate in the ANI process by supporting the JIT request model. As part of transacting under the JIT model, you can receive a synchronous JIT request with Marqeta’s proposed match result, and you can choose to confirm the proposed results or overwrite the match results by returning a different result to Marqeta. For more information on ANI, see the About Account Name Inquiry guide.

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Just-in-Time Funding

If your card product is configured to use JIT Funding, you are eligible to participate in the ANI decision-making process. If you choose to participate, your system’s gateway endpoint receives a JIT request with the ANI fields to confirm or overwrite Marqeta’s proposed name-matching result. JIT ANI requests include ANI data in the account_name_verification object. For more information about JIT Funding, see the About Just-in-Time Funding guide.

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The account_name_verification object

The account_name_verification object contains cardholder name data provided by the merchant, cardholder name data held by Marqeta, and the Marqeta platform’s match determination. If your system’s name data is different than what is provided by the Marqeta platform, you can overwrite the ANI match determination by including the account_name_verification.gateway object in your JIT ANI response. You must include the updated cardholder name data you hold in your system and the corresponding response code.
Tip
You should only include the account_name_verification.gateway object if you intend to overwrite the ANI match determination made by the Marqeta platform.

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Examples

The following section shows you examples related to overwriting Marqeta’s proposed ANI name-matching results. This scenario shows the JIT ANI request, approval response, and overwrite response.

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JIT ANI request

The JIT ANI request from Marqeta uses the account_name_verification model. The on_file and response models are added to the issuer model to separate Marqeta’s information (i.e., issuer) and your response (i.e., gateway). Below is an example of the ANI portion of the JIT request:
JSON
"account_name_verification": {
  "request": {
    "first_name": "John",
    "middle_name": "A",
    "last_name": "Smith"
    "card_name": "JOHN A SMITH"
  },
  "issuer": {
    "on_file": {
      "first_name": "John",
      "middle_name": "A",
      "last_name": "Smith"
      "card_name": "JOHN A SMITH"
    },
    "response": {
      "code": "####",
      "memo": "Match"
    }
  }
}

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JIT ANI approval response

If you approve Marqeta’s proposed name-matching result, a successful approval response is returned. See the example below:
JSON
{
  "jit_funding": {
    "token": "ac93792f-f3b4-42e7-a4d8-2c2c62864905",
    "method": "pgfs.authorization.account_verification",
    "user_token": "jit_User_001",
    "acting_user_token": "jit_User_001",
    "amount": 0,
    "memo": "GJIT Endpoint",
    "tags": "tags, can, be, up, to, 255, chars, max"
  }
}

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JIT ANI overwrite response

If you do not approve Marqeta’s proposed name-matching result and want to overwrite it, you should return the overwrite response. Use account_name_verification.gateway to provide the name-matching result data. Below is an example of the ANI portion of the JIT response:
JSON
"account_name_verification": {
  "gateway": {
    "on_file": {
      "first_name": "Mike",
      "middle_name": "B",
      "last_name": "Smith"
      "card_name": "MIKE B SMITH"
    },
    "response": {
      "code": "####",
      "memo": "Partial Match"
    }
  }
}

Related topics

Just-in-Time Funding OverviewProgram Funding SourcesAbout Just-in-Time FundingLedger Management with JIT FundingInstant Funding