Program Funding Sources

Use the /fundingsources/program endpoint to create a program funding source. A program funding source represents a bank account from which funds are drawn for Managed Just-in-Time (JIT) Funding transactions. For more information about JIT Funding, see About Just-in-Time Funding. In the sandbox environment, each program funding source you create simulates funds for use in test transactions. In production environments, program funding sources are created by Marqeta and draw funds from a bank account you set up in conjunction with Marqeta.

Note
Your program funding source must be approved by Marqeta and the issuing bank. If you are using a third-party service to collect user funds, Marqeta and the issuing bank require specific reporting to ensure compliance with applicable rules and regulations. Contact Marqeta for more information.

Create program source

Action: POST
Endpoint: /fundingsources/program Create a program funding source.

Request body

Fields	Description
active boolean Optional	Indicates whether the program funding source is active. Allowable Values: `true`, `false` Default value: `false`
name string Required	Name of the program funding source. Allowable Values: 1–50 chars
token string Optional	Unique identifier of the funding source. If you do not include a token, the system will generate one automatically. As this token is necessary for use in other calls, we recommend that you define a simple and easy to remember string rather than letting the system generate a token for you. This value cannot be updated. Allowable Values: 1–36 chars

Sample request body

JSON

{
  "token": "my_programfundingsource_token",
  "name": "my_programfundingsource_name",
  "active": true
}

Response body

Fields	Description
account string Returned	Account identifier. Allowable Values: 255 char max
active boolean Conditionally returned	Indicates whether the program funding source is active. This field is returned if it exists in the resource. Allowable Values: `true`, `false`
created_time datetime Returned	Date and time when the resource was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Returned	Date and time when the resource was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
name string Returned	Name of the program funding source. Allowable Values: 1–50 chars
token string Returned	Unique identifier of the funding source. Allowable Values: 1–36 chars

Sample response body

JSON

{
  "name": "my_programfundingsource_name",
  "active": true,
  "token": "my_programfundingsource_token",
  "account": "12.003.001.000147",
  "created_time": "2023-02-25T20:46:04Z",
  "last_modified_time": "2023-02-25T20:46:04Z"
}

Create ACH program source

Action: POST
Endpoint: /fundingsources/program/ach Create an ACH program funding source.

Request body

Fields	Description
account_number string Required	ACH account number. Allowable Values: 36 char max
account_type string Required	Type of account. Allowable Values: `checking`, `savings`, `corporate`, `loan`
bank_name string Optional	Name of the bank holding the account. Allowable Values: 255 char max
is_default_account boolean Optional	If there are multiple funding sources, this field specifies which source is used by default in funding calls. If there is only one funding source, the system ignores this field and always uses that source. Allowable Values: `true`, `false` Default value: `false`
name_on_account string Required	Name on the ACH account. Allowable Values: 1–50 chars
routing_number string Required	Routing number for the ACH account. Allowable Values: 9 digits
token string Optional	Unique identifier of the funding source. If you do not include a token, the system will generate one automatically. This token is necessary for use in other calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated. Allowable Values: 1–36 chars
verification_notes string Optional	Free-form text field for holding notes about verification. This field is returned only if `verification_override = true`. Allowable Values: 255 char max
verification_override boolean Optional	Allows the ACH funding source to be used, regardless of its verification status. Set this field to `true` if you can attest that you have verified the account on your own and that it will not be returned by the Federal Reserve. NOTE: When using `PLAID` to validate a funding source, this field is always set to `true`. Allowable Values: `true`, `false` Default value: `false`

Sample request body

JSON

{
  "name_on_account": "John Doe",
  "account_number": "888271159",
  "routing_number": "121000357",
  "account_type": "checking",
  "is_default_account": true,
  "verification_override": true,
  "verification_notes": "testing"
}

Response body

Fields	Description
account_suffix string Returned	ACH account identifier appended to the bank account number. Allowable Values: 255 char max
account_type string Returned	Type of account. Allowable Values: `checking`, `savings`, `corporate`, `loan`
active boolean Returned	Specifies whether the account is active. Allowable Values: `true`, `false`
bank_name string Conditionally returned	Name of the bank holding the account. This field is returned if it exists in the resource. Allowable Values: 255 char max
created_time datetime Returned	Date and time when the resource was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
date_sent_for_verification datetime Conditionally returned	Date and time in UTC when the request for account validation was sent to the third-party partner. This field is returned if it exists in the resource. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
date_verified datetime Conditionally returned	Date and time when the account was verified, in UTC. This field is returned if it exists in the resource. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
is_default_account boolean Conditionally returned	If there are multiple funding sources, this field specifies which source is used by default in funding calls. If there is only one funding source, the system ignores this field and always uses that source. Allowable Values: `true`, `false`
last_modified_time datetime Returned	Date and time when the resource was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
name_on_account string Returned	Name on the ACH account. Allowable Values: 1–50 chars
token string Returned	Unique identifier of the funding source. Allowable Values: Existing funding source token
verification_notes string Conditionally returned	Free-form text field for holding notes about verification. This field is returned only if `verification_override = true`. Allowable Values: 255 char max
verification_override boolean Conditionally returned	Allows the ACH funding source to be used regardless of its verification status. This field is returned if it exists in the resource. NOTE: When using `PLAID` to validate a funding source, this field is always set to `true`. Allowable Values: `true`, `false`
verification_status string Conditionally returned	Account verification status. This field is returned if it exists in the resource. Allowable Values: `ACH_FAILED`, `ACH_VERIFIED`, `VERIFICATION_PENDING`

Sample response body

JSON

{
  "token": "my_program_ach_source_token",
  "name_on_account": "John Doe",
  "account_type": "checking",
  "account_suffix": "1156",
  "is_default_account": true,
  "active": true,
  "verification_status": "ACH_VERIFIED",
  "created_time": "2023-02-27T18:40:27Z",
  "last_modified_time": "2023-02-27T18:40:27Z"
}

List ACH program sources

Action: GET
Endpoint: /fundingsources/program/ach List ACH program funding sources.

URL query parameters

Fields	Description
count integer Optional	Number of resources to retrieve. Allowable Values: 1-10
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: Any integer Default value: 0
fields string Optional	Comma-delimited list of fields to return (`field_1,field_2`, and so on). Leave blank to return all fields. Allowable Values: Comma-delimited list of fields, or blank
sort_by string Optional	Field on which to sort. Use any field in the resource model, or one of the system fields `lastModifiedTime` or `createdTime`. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. Allowable Values: `createdTime`, `lastModifiedTime`, or any field in the resource model Default value: `-lastModifiedTime`
active boolean Optional	If `true`, returns ACH funding sources from active programs only. If `false`, returns all ACH funding sources. Allowable Values: `true`, `false`

Response body

Fields	Description
count integer Conditionally returned	Number of resources to retrieve. This field is returned if there are resources in your returned array. Allowable Values: 1-10
data array of objects Conditionally returned	Array of ACH funding source objects. Objects are returned as appropriate to your query. Allowable Values: Array of one or more ACH funding source objects
data[].account_suffix string Returned	ACH account identifier appended to the bank account number. Allowable Values: 255 char max
data[].account_type string Returned	Type of account. Allowable Values: `checking`, `savings`, `corporate`, `loan`
data[].active boolean Returned	Specifies whether the account is active. Allowable Values: `true`, `false`
data[].bank_name string Conditionally returned	Name of the bank holding the account. This field is returned if it exists in the resource. Allowable Values: 255 char max
data[].created_time datetime Returned	Date and time when the resource was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].date_sent_for_verification datetime Conditionally returned	Date and time in UTC when the request for account validation was sent to the third-party partner. This field is returned if it exists in the resource. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].date_verified datetime Conditionally returned	Date and time when the account was verified, in UTC. This field is returned if it exists in the resource. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].is_default_account boolean Conditionally returned	If there are multiple funding sources, this field specifies which source is used by default in funding calls. If there is only one funding source, the system ignores this field and always uses that source. Allowable Values: `true`, `false`
data[].last_modified_time datetime Returned	Date and time when the resource was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].name_on_account string Returned	Name on the ACH account. Allowable Values: 1–50 chars
data[].token string Returned	Unique identifier of the funding source. Allowable Values: Existing funding source token
data[].verification_notes string Conditionally returned	Free-form text field for holding notes about verification. This field is returned only if `verification_override = true`. Allowable Values: 255 char max
data[].verification_override boolean Conditionally returned	Allows the ACH funding source to be used regardless of its verification status. This field is returned if it exists in the resource. NOTE: When using `PLAID` to validate a funding source, this field is always set to `true`. Allowable Values: `true`, `false`
data[].verification_status string Conditionally returned	Account verification status. This field is returned if it exists in the resource. Allowable Values: `ACH_FAILED`, `ACH_VERIFIED`, `VERIFICATION_PENDING`
end_index integer Conditionally returned	Sort order index of the last resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer
is_more boolean Conditionally returned	A value of `true` indicates that more unreturned resources exist. A value of `false` indicates that no more unreturned resources exist. This field is returned if there are resources in your returned array. Allowable Values: `true`, `false`
start_index integer Conditionally returned	Sort order index of the first resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer

Retrieve program source

Action: GET
Endpoint: /fundingsources/program/{token} Retrieve a specific program funding source, whether active or inactive.

URL path parameters

Fields	Description
token string Required	Unique identifier of the program funding source. Allowable Values: Existing program funding source token

Response body

Fields	Description
account string Returned	Account identifier. Allowable Values: 255 char max
active boolean Conditionally returned	Indicates whether the program funding source is active. This field is returned if it exists in the resource. Allowable Values: `true`, `false`
created_time datetime Returned	Date and time when the resource was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Returned	Date and time when the resource was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
name string Returned	Name of the program funding source. Allowable Values: 1–50 chars
token string Returned	Unique identifier of the funding source. Allowable Values: 1–36 chars

Sample response body

JSON

{
  "name": "my_programfundingsource_name",
  "active": true,
  "token": "my_programfundingsource_token",
  "account": "12.003.001.000147",
  "created_time": "2023-02-25T20:46:04Z",
  "last_modified_time": "2023-02-25T20:46:04Z"
}

Update program source

Action: PUT
Endpoint: /fundingsources/program/{token} Update a program funding source.

URL path parameters

Fields	Description
token string Required	Unique identifier of the program funding source. Allowable Values: Existing program funding source token

Request body

Fields	Description
active boolean Optional	Indicates whether the program funding source is active. Allowable Values: `true`, `false` Default value: `false`
name string Optional	Name of the program funding source. Allowable Values: 1–50 chars

Sample request body

JSON

{
  "name": "your_programfundingsource_name",
  "active": false
}

Response body

Fields	Description
account string Returned	Account identifier. Allowable Values: 255 char max
active boolean Conditionally returned	Indicates whether the program funding source is active. This field is returned if it exists in the resource. Allowable Values: `true`, `false`
created_time datetime Returned	Date and time when the resource was created, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Returned	Date and time when the resource was last modified, in UTC. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
name string Returned	Name of the program funding source. Allowable Values: 1–50 chars
token string Returned	Unique identifier of the funding source. Allowable Values: 1–36 chars

Sample response body

JSON

{
  "name": "your_programfundingsource_name",
  "active": true,
  "token": "my_programfundingsource_token",
  "account": "12.003.001.000147",
  "created_time": "2023-02-25T20:46:04Z",
  "last_modified_time": "2023-02-25T20:50:00Z"
}

Core API Basics

SDKs

Credentials

Account Holders

Funding

Just-in-Time Funding

Cards

Digital Wallets

Spend Control

Accounts

Transactions

3D Secure

Real-Time Decisioning

Disputes

Digital Banking

Credit Programs

Credit Account Management

Credit Account Servicing

Credit Reward Accounts

Testing

Webhooks

​Create program source

​Request body

​Sample request body

​Response body

​Sample response body

​Create ACH program source

​Request body

​Sample request body

​Response body

​Sample response body

​List ACH program sources

​URL query parameters

​Response body

​Retrieve program source

​URL path parameters

​Response body

​Sample response body

​Update program source

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

Create program source

Request body

Sample request body

Response body

Sample response body

Create ACH program source

Request body

Sample request body

Response body

Sample response body

List ACH program sources

URL query parameters

Response body

Retrieve program source

URL path parameters

Response body

Sample response body

Update program source

URL path parameters

Request body

Sample request body

Response body

Sample response body