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This feature is currently in beta and subject to change. To learn more about the Beta program for this feature, contact your Marqeta representative.
The Authorization and Clearing Comparison report provides insights into all cleared signature transactions, comparing the initial authorized amount with the amount cleared. The primary use of this report is to identify fraudulent transactions where merchants or cardholders increase the amount to be cleared outside of the cardholder’s consent, such as tips, or the cost of the goods.

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Report impact and benefits

Before this report became available, to conduct this analysis required downloading the Authorization report and the Clearing report, and then performing a comparison/lookup outside of the Marqeta Dashboard. Authorization and Clearing Comparison report significantly reduces the time to value to identify the clearing differences per transaction all within the Marqeta Dashboard.

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Use cases

Authorization and Clearing Comparison report has multiple use cases. The following main use cases enable you to:
  • Identify daily early signs of bad merchant behavior and stop suspected fraud by updating velocity controls and declining transactions at that merchant.
  • Detect and investigate suspected fraudulent merchants and or cardholders early on.
  • Review behavior of card products that may regularly add on to the authorized amount in the form of tips or increased price of goods.

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Accessing the report

To access the Authorization and Clearing Comparison report, open the Marqeta Dashboard, then go to Reports > Insights > Authorizations and Clearing Comparison Detail.

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Identifying recent friendly fraud transactions

To identify recent friendly fraud transactions, create a Saved Report as follows:
1
In the Marqeta Dashboard, go to Reports > Insights > Authorizations and Clearing Comparison Detail.
2
Select Customize report:
3
Under Filters, choose Delta Percentage > 20 and Network Type = Signature.
4
Under Sort, choose Delta Percentage DESC. In the Date Range Selector, choose your desired date range (Recommended: Last 7 Days).
5
Select the ellipsis icon in the upper right and select Save current report.

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DiVA API

Endpoint: /views/activitybalances/day
JSON
"columns": [
        {
            "column_name": "program",
            "display_name": "Program",
            "description": "The name of the card program.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "bank",
            "display_name": "Bank",
            "description": "The bank under which the program operates.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "currency",
            "display_name": "Currency",
            "description": "The abbreviated currency code.",
            "column_type": "VARCHAR(10)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "network",
            "display_name": "Network",
            "description": "The card network on which a transaction took place.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "sub_network",
            "display_name": "Sub Network",
            "description": "The subnetwork used by a transaction (VisaPlus, VisaNet, VisaInterlink, VisaNet Debit, MAestro, Cirrus, or Pulse).",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "network_type",
            "display_name": "Network Type",
            "description": "The network type for the transaction: Pindebit or Signature",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "authorization_date",
            "display_name": "Authorization Date",
            "description": "The date a transaction was authorized.",
            "column_type": "DATE",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "post_date",
            "display_name": "Post Date",
            "description": "The date a transaction was posted by the network.",
            "column_type": "DATE",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "initiating_transaction_token",
            "display_name": "Initiating Transaction Token",
            "description": "The token identifying the initial transaction in a chain of transactions (usually an authorization).",
            "column_type": "INT",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "transaction_status",
            "display_name": "Transaction Status",
            "description": "The status of the transaction.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "merchant",
            "display_name": "Merchant",
            "description": "The merchant associated with the transaction; where a transaction took place.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "clean_merchant",
            "display_name": "Clean Merchant",
            "description": "A human-readable merchant name when available.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "merchant_country",
            "display_name": "Merchant Country",
            "description": "The country of a merchant location where a transaction has taken place.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "merchant_state",
            "display_name": "Merchant State",
            "description": "The state or province of a merchant location where a transaction has taken place.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "merchant_city",
            "display_name": "Merchant City",
            "description": "The city of a merchant location where a transaction has taken place.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "merchant_category_code",
            "display_name": "Merchant Category Code",
            "description": "The merchant category code (MCC) associated with a transaction.",
            "column_type": "INT",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "merchant_category_code_group",
            "display_name": "Merchant Category Code Group",
            "description": "The merchant category code (MCC) group associated with a transaction.",
            "column_type": "VARCHAR(2000)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "acting_user_token",
            "display_name": "Acting User Token",
            "description": "The unique user token of a cardholder. This can be seen in the user view and transaction level views.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "acting_card_token",
            "display_name": "Acting Card Token",
            "description": "The token identifying a card within a card program. This can be seen in the cards view and transaction level views.",
            "column_type": "VARCHAR(128)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "authorized_amount",
            "display_name": "Amount at point of Authorization",
            "description": "The authorized amount or sum total amount of multiple, relevant authorizations.",
            "column_type": "NUMBER(14, 2)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": "SUM"
        },
        {
            "column_name": "cleared_amount",
            "display_name": "Cleared Amount",
            "description": "The amount of cleared per transaction.",
            "column_type": "NUMBER(14, 2)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": "SUM"
        },
        {
            "column_name": "auth_cleared_delta",
            "display_name": "Delta Amount",
            "description": "The delta amount by subtracting Authorized Amount from Cleared Amount.",
            "column_type": "NUMBER(14, 2)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": "SUM"
        },
        {
            "column_name": "auth_cleared_delta_percentage",
            "display_name": "Delta Percentage",
            "description": "The delta amount by subtracting Authorized Amount from Cleared Amount in percentage compared to initial Authorized Amount.",
            "column_type": "NUMBER(14, 2)",
            "filterable": true,
            "return_by_default": true,
            "pii": false,
            "aggregation": "AVG"
        },
        {
            "column_name": "core_api_initiating_transaction_token",
            "display_name": "Core Api Initiating Transaction Token",
            "description": "",
            "column_type": "VARCHAR(36)",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "shard_id",
            "display_name": "Shard Id",
            "description": "Program Shard Id",
            "column_type": "INT",
            "filterable": true,
            "return_by_default": false,
            "pii": false,
            "aggregation": null
        },
        {
            "column_name": "report_load_timestamp",
            "display_name": "Report Load Timestamp",
            "description": "UTC time when the record was loaded into Marqeta's reporting system",
            "column_type": "TIMESTAMP_NTZ",
            "filterable": true,
            "return_by_default": false,
            "pii": true
        }
    ]

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