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NoteThis feature is currently in limited-availability alpha and subject to change. To learn more about the alpha program for this feature, contact your Marqeta representative.
The Marqeta Fraud Intelligence API enables partners to share rich transaction and merchant data beyond standard authorization fields to enhance fraud detection in real time. Inputs can include order details, account metadata, device information, geolocation, and behavioral signals. By combining this additional context with Marqeta’s proprietary fraud models, partners can more accurately detect suspicious activity, reduce false positives, recognize trusted merchants, and improve approval rates for legitimate transactions.

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Submit fraud intelligence data

Action: POST
Endpoint: /fraud-intelligence/card This operation allows you to provide additional context about a transaction. It does not generate a fraud decision or assessment itself; it transmits supplementary data only. Call this API immediately prior to submitting the transaction for authorization.

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Request body

FieldsDescription
transaction_data
object
Required		Core transaction data that goes beyond standard authorization information.
Allowable Values:
bank_identification_number, last_four_card_number, purchase_amount, purchase_currency, transaction_timestamp, retrieval_reference_number
transaction_data.bank_identification_number
string
Required		Unique ID of the institution that issued the credit card used to make the purchase.
Allowable Values:
8 char max
transaction_data.last_four_card_number
string
Required		Last four digits of the cardholder’s credit card number.
Allowable Values:
4 char max
transaction_data.purchase_amount
decimal
Required		Total amount of the purchase.
Allowable Values:
decimal
Format:
0.00
transaction_data.purchase_currency
string
Required		Three-letter ISO 4217 currency code (such as USD or EUR).
Allowable Values:
Valid three-letter ISO 4217 currency code
transaction_data.transaction_timestamp
datetime
Optional		Date and time when the transaction took place, in UTC.
Allowable Values:
Format:
yyyy-MM-ddThh:mm:ssZ
transaction_data.retrieval_reference_number
string
Optional		ISO 8583 Field 37 - Unique reference number for transaction retrieval.
Allowable Values:
12 char max
order_data
object
Optional		Order and purchase details.
Allowable Values:
purchase_date, item_count, order_type, discount_amount, cart_items
order_data.purchase_date
datetime
Optional		Date and time when the purchase took place, in UTC.
Allowable Values:
Format:
yyyy-MM-ddThh:mm:ssZ
order_data.item_count
integer
Optional		Number of items in the order.
Allowable Values:
Any integer
order_data.order_type
string
Optional		Channel through which the order was placed.
Allowable Values:
WEBSITE, MOBILE_APP, PHONE, MAIL_ORDER
order_data.discount_amount
decimal
Optional		Total amount of the discount applied to the order. If a discount was not applied to the order, enter 0.00.
Allowable Values:
decimal
Format:
0.00
order_data.cart_items
array of objects
Optional		List of all items in the shopping cart.
Allowable Values:
Valid array of cart item objects
order_data.cart_items[].item_id
string
Optional		Unique identifier for the item.
Allowable Values:
64 char max
order_data.cart_items[].item_name
string
Optional		Name or title of the item.
Allowable Values:
256 char max
order_data.cart_items[].item_type
string
Optional		Type of item (physical or digital).
Allowable Values:
PHYSICAL, DIGITAL
order_data.cart_items[].quantity
integer
Optional		Quantity of a single item in the cart.
Allowable Values:
Any integer
order_data.cart_items[].unit_price
decimal
Optional		Price per unit of the item.
Allowable Values:
decimal
Format:
0.00
order_data.cart_items[].total_price
decimal
Optional		Total price for this item (unit_price * quantity).
Allowable Values:
decimal
Format:
0.00
risk_data
object
Optional		Risk assessment data from partner systems.
Allowable Values:
merchant_risk_score, transaction_risk_score
risk_data.merchant_risk_score
decimal
Optional		Risk score associated with the merchant, as determined by partner systems.
Allowable Values:
0-999
risk_data.transaction_risk_score
decimal
Optional		Risk score for the specific transaction, as determined by partner systems.
Allowable Values:
0-999
device_data
object
Optional		Fingerprint and browser information of the device used to make the transaction. Used for fraud detection.
Allowable Values:
device_id, device_name, device_fingerprint, ip_address, user_agent, screen_resolution, timezone, language, platform, cookies_enabled, javascript_enabled
device_data.device_id
string
Optional		Unique identifier of the device used to make the transaction.
Allowable Values:
64 char max
device_data.device_name
string
Optional		Name or model of the device used to make the transaction.
Allowable Values:
64 char max
device_data.device_fingerprint
string
Optional		Unique fingerprint hash of the device used to make the transaction.
Allowable Values:
128 char max
device_data.ip_address
string
Optional		Client IP address.
Allowable Values:
39 char max
device_data.user_agent
string
Optional		User agent string of the browser or operating system used to make the transaction.
Allowable Values:
255 char max
device_data.screen_resolution
string
Optional		Screen resolution of the device used to make the transaction.
Allowable Values:
Valid screen resolution (such as 1920x1080)
device_data.timezone
string
Optional		Client timezone in IANA / format.
Allowable Values:
Timezone in IANA format (such as America/New_York)
device_data.language
string
Optional		Browser language setting in ISO 639-1 format.
Allowable Values:
Valid two-letter ISO 639-1 code followed by a two-letter ISO 3166 alpha-2 code if needed (such as en-US)
device_data.platform
string
Optional		Operating system platform of the device used to make the transaction.
Allowable Values:
Valid operating system platform, such as windows or macOS
device_data.cookies_enabled
boolean
Optional		Whether or not cookies are enabled on the device used to make the transaction.
Allowable Values:
true, false
device_data.javascript_enabled
boolean
Optional		Whether or not JavaScript is enabled on the device used to make the transaction.
Allowable Values:
true, false
customer_data
object
Optional		Customer profile and account information.
Allowable Values:
first_name, last_name, email_address, phone
customer_data.first_name
string
Optional		First name of the customer.
Allowable Values:
255 char max
customer_data.last_name
string
Optional		Last name of the customer.
Allowable Values:
255 char max
customer_data.email_address
email_address
Optional		Email address of the customer.
Allowable Values:
Valid email address
customer_data.phone
string
Optional		Phone number of the customer.
Allowable Values:
Valid phone number in E. 164 format (such as +1234567890)
merchant_data
object
Optional		Information about the merchant involved in the transaction.
Allowable Values:
merchant_id, merchant_name, three_d_secure_supported
merchant_data.merchant_id
string
Optional		Alphanumeric string token that uniquely identifies the merchant involved in the transaction.
Allowable Values:
64 char max
merchant_data.merchant_name
string
Optional		Merchant name, as registered with the card network.
Allowable Values:
128 char max
merchant_data.three_d_secure_supported
boolean
Optional		Whether or not the merchant supports 3D Secure authentication.
Allowable Values:
true, false
shipping_data
object
Optional		Details about the type, method, and contact for shipping.
Allowable Values:
delivery_type, delivery_channel, phone, email, address_line_1, address_line_2, address_line_3, city, state, post_code, country
shipping_data.delivery_type
string
Optional		Type of delivery (physical or digital).
Allowable Values:
PHYSICAL, DIGITAL
shipping_data.delivery_channel
string
Optional		Method of delivery.
Allowable Values:
EMAIL, STORE_PICKUP, SAME_DAY, NEXT_DAY, TWO_OR_MORE_DAYS
shipping_data.phone
string
Optional		Phone number of the shipping contact.
Allowable Values:
Valid phone number in E. 164 format (such as +1234567890)
shipping_data.email
email
Optional		Email address of the shipping contact.
Allowable Values:
255 char max
shipping_data.address_line_1
string
Optional		Address line 1.
Allowable Values:
50 char max
shipping_data.address_line_2
string
Optional		Address line 2.
Allowable Values:
50 char max
shipping_data.address_line_3
string
Optional		Address line 3.
Allowable Values:
50 char max
shipping_data.city
string
Optional		City for shipping or billing.
Allowable Values:
50 char max
shipping_data.state
string
Optional		State or province code for the shipping address (such as NY or QC).
Allowable Values:
3 char max
shipping_data.post_code
string
Optional		US ZIP code or regional postal code.
Allowable Values:
255 char max
shipping_data.country
string
Optional		Country code in ISO 3166-1 alpha-2 format (such as “US” for United States).
Allowable Values:
2 char max
billing_data
object
Optional		Information about the shipping or billing address.
Allowable Values:
address_line_1, address_line_2, address_line_3, city, state, post_code, country
billing_data.address_line_1
string
Optional		Address line 1.
Allowable Values:
50 char max
billing_data.address_line_2
string
Optional		Address line 2.
Allowable Values:
50 char max
billing_data.address_line_3
string
Optional		Address line 3.
Allowable Values:
50 char max
billing_data.city
string
Optional		City for shipping or billing.
Allowable Values:
50 char max
billing_data.state
string
Optional		State or province code for the billing address (such as NY or QC).
Allowable Values:
3 char max
billing_data.post_code
string
Optional		US ZIP code or regional postal code.
Allowable Values:
255 char max
billing_data.country
string
Optional		Country code in ISO 3166-1 alpha-2 format (such as “US” for United States).
Allowable Values:
2 char max

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Sample request body

{
  "transaction_data": {
    "bank_identification_number": "123456",
    "last_four_card_number": "1234",
    "purchase_amount": 99.99,
    "purchase_currency": "USD",
    "transaction_timestamp": "2025-01-15T14:30:00Z",
    "retrieval_reference_number": "123456789012"
  },
  "order_data": {
    "purchase_date": "2025-01-15T14:30:00Z",
    "item_count": 2,
    "order_type": "WEBSITE",
    "discount_amount": 10,
    "cart_items": [
      {
        "item_id": "PROD123",
        "item_name": "Wireless Headphones",
        "item_type": "PHYSICAL",
        "quantity": 1,
        "unit_price": 79.99,
        "total_price": 79.99
      },
      {
        "item_id": "PROD456",
        "item_name": "Phone Case",
        "item_type": "PHYSICAL",
        "quantity": 1,
        "unit_price": 29.99,
        "total_price": 29.99
      }
    ]
  },
  "customer_data": {
    "first_name": "John",
    "last_name": "Doe",
    "email_address": "<EMAIL_ADDRESS>",
    "phone": "+1234567890"
  },
  "device_data": {
    "device_id": "dev_abc123xyz789",
    "device_name": "iPhone 15 Pro",
    "device_fingerprint": "fp_9a8b7c6d5e4f3g2h1i0j",
    "ip_address": "203.0.113.10",
    "user_agent": "Mozilla/5.0 (iPhone; CPU iPhone OS 17_0 like Mac OS X)",
    "screen_resolution": "1179x2556",
    "timezone": "America/New_York",
    "language": "en-US",
    "platform": "iOS",
    "cookies_enabled": true,
    "javascript_enabled": true
  },
  "merchant_data": {
    "merchant_id": "MERCH_12345",
    "merchant_name": "Electronics Store Inc",
    "three_d_secure_supported": false
  },
  "shipping_data": {
    "delivery_type": "PHYSICAL",
    "delivery_channel": "NEXT_DAY",
    "phone": "<PHONE_NUMBER>",
    "email": "example@example.com",
    "address_line_1": "123 Main Street",
    "address_line_2": "Apt 4B",
    "city": "New York",
    "state": "NY",
    "post_code": "10001",
    "country": "US"
  },
  "billing_data": {
    "address_line_1": "123 Main Street",
    "city": "New York",
    "state": "NY",
    "post_code": "10001",
    "country": "US"
  },
  "risk_data": {
    "merchant_risk_score": 0.25,
    "transaction_risk_score": 0.15
  }
}
View all 81 lines

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Response body

FieldsDescription
transaction_data_reference_id
string
Conditionally returned		Unique identifier for the submitted transaction data.
Allowable Values:
255 char max

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Sample response body

JSON
{
  "transaction_data_reference_id": "3cb6ec71-7e76-4471-9377-13566e42839b"
}

Related topics

Fraud FeedbackUsing the Fraud Feedback APIReal-Time Decisioning Insights CenterRiskControl OverviewRelease Notes