Gateway JIT Funding Messages
To participate in Gateway Just-in-Time (JIT) Funding decisions, your system must handle messages sent by the Marqeta platform and return the appropriate response.
The Marqeta platform and your system exchange messages of the following types:
-
JIT Funding requests are actionable messages sent by the Marqeta platform to an endpoint on your system referred to as the JIT Funding gateway. These synchronous messages request permission to fund a specific transaction or to answer a balance inquiry.
-
JIT Funding responses are sent by your JIT Funding gateway to the Marqeta platform in response to a funding request or balance inquiry. Your gateway endpoint must respond to each funding request by approving or denying funding for the associated transaction. Your gateway must respond to each balance inquiry with the currently available balance for the account associated with the specified card. If you deny funding for the associated transaction, your JIT Funding response can include a descriptive decline reason. In addition, you can inject custom metadata into each response. Messages sent to the Marqeta platform must use the HTTPS protocol.
-
JIT Funding notifications are informative messages sent by the Marqeta platform to your webhook endpoint (not the JIT Funding gateway endpoint). These asynchronous messages contain the entire transaction and inform you about its ultimate outcome. Use JIT Funding notifications to validate that the Marqeta platform receives and correctly processes each of your funding responses.
These messages apply only to Gateway JIT Funding setups. For more information about JIT Funding, see About Just-in-Time Funding. For all transaction response fields, see Transactions.
The jit_funding object
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Each JIT Funding message sent to your system contains a jit_funding object embedded in a gpa_order or gpa_order_unload object.
Messages containing the gpa_order object indicate a load event, where funds are loaded into an account, while those containing the gpa_order_unload object indicate an unload event, where funds are removed from an account.
The jit_funding object contains information about the funding event, including the associated user token and transaction amount.
The method field indicates the type of transaction and whether the message is an actionable funding request sent to your gateway endpoint or an informative message sent to your webhook endpoint.
Your gateway’s JIT Funding response must include the jit_funding object with the method found in the matching request.
The following table summarizes the available methods:
| Method | Purpose | Funding Event | Description |
|---|---|---|---|
pgfs.adjustment.credit |
Informative |
Load |
The Marqeta platform made a balance adjustment by crediting the program gateway funding source. |
pgfs.adjustment.debit |
Informative |
Unload |
The Marqeta platform made a balance adjustment by debiting the GPA. |
pgfs.auth_plus_capture |
Actionable |
Load |
Request for authorization to fund a user’s GPA and capture those funds. Used when the Marqeta platform receives a single-message financial transaction, such as a PIN debit, an ATM withdrawal, or a financial advice. |
pgfs.auth_plus_capture.reversal |
Informative |
Load |
A previously approved |
pgfs.auth_plus_capture.standin |
Informative |
Load |
An authorization to fund a user’s GPA and capture those funds was approved by network stand-in processing. Used when the Marqeta platform receives a single-message financial transaction, such as a PIN debit, an ATM withdrawal, or a financial advice. |
pgfs.authorization |
Actionable |
Load |
Request for authorization to fund a user’s GPA. |
pgfs.authorization.account_verification |
Actionable |
Load |
An authorization request for account verification. Also known as a zero-dollar authorization. An account verification request allows acquirers to verify a card without putting a hold on funds. Account verification requests are declined before reaching your JIT funding gateway if the card or cardholder is suspended or terminated. You can approve an account verification request, or decline it using one of the decline reasons listed in the |
pgfs.authorization.capture |
Informative |
Load |
Funds have been captured for the original authorization. |
pgfs.authorization.capture.chargeback |
Informative |
Unload |
A chargeback was performed.
Funds have been refunded to the |
pgfs.authorization.capture.chargeback.reversal |
Informative |
Load |
A chargeback was reversed, debiting funds from the funding source. |
pgfs.authorization.incremental |
Actionable |
Load |
Request for authorization to fund a user’s GPA for the purpose of increasing the amount of a previous authorization. This method adds to the previous amount rather than replacing it. |
pgfs.authorization.reversal |
Informative |
Load |
A previously approved authorization for JIT Funding was fully or partially reversed. |
pgfs.authorization.standin |
Informative |
Load |
An authorization to fund a user’s GPA was approved by network stand-in processing. |
pgfs.force_capture |
Informative |
Load |
This method indicates one of the following:
|
pgfs.original.credit.authorization |
Actionable |
Unload |
Request for authorization to credit the GPA. |
pgfs.original.credit.authorization.clearing |
Informative |
Load |
Funds have been cleared for the OCT authorization. |
pgfs.original.credit.authorization.reversal |
Informative |
Unload |
A previously approved OCT authorization was fully or partially reversed. |
pgfs.original.credit.auth_plus_capture |
Actionable |
Load |
Request for authorization to credit the GPA and capture those funds. |
pgfs.original.credit.auth_plus_capture.reversal |
Informative |
Unload |
A previously approved |
pgfs.balanceinquiry |
Actionable |
n/a |
Request for balance information, often the result of a cardholder request at an ATM. No funding event. |
pgfs.pindebit.chargeback |
Informative |
Unload |
A chargeback was performed.
Funds have been refunded to the |
pgfs.pindebit.chargeback.reversal |
Informative |
Load |
A chargeback was reversed, debiting funds from the funding source. |
pgfs.refund |
Informative |
Unload |
A merchant refund was performed.
Funds have been refunded to the |
pgfs.refund.authorization |
Actionable |
Unload |
Request to your JIT gateway for authorization to credit the cardholder’s GPA. |
pgfs.refund.authorization.reversal |
Informative |
Unload |
The financial impact of a merchant refund was reversed. |
The jit_funding object also contains an address_verification object.
This object stores address data provided by the purchaser and address data held on the Marqeta platform, as well as the address match determination made by the Marqeta platform.
You can use this data to help make funding decisions in response to JIT Funding requests.
For more information on how to use this object, see Using AVS with JIT Funding.
JIT Funding requests
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The Marqeta platform sends JIT Funding requests to your gateway endpoint.
Each request includes an abbreviated form of the related transaction (unless it is a non-financial balance inquiry, in which case there is no associated transaction).
The request’s gpa_order.jit_funding object contains the details necessary for JIT Funding, including the amount of requested funding (note that other amount fields within the body might indicate different values).
Note
Each transaction and related JIT Funding request include only a subset of available fields, depending on the merchant, card network, or product/service purchased.
Partial approval
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The JIT Funding request message includes the partial_approval_capable field of the associated transaction.
This field indicates whether your JIT Funding response can approve some amount less than the requested amount (partial_approval_capable is true) or must approve the entire amount (partial_approval_capable is false).
For example, if you receive a JIT Funding request for $100, and partial_approval_capable is true, your response can approve a smaller amount, such as $50.
In your response, include the partial approval amount in the jit_funding.amount field, just as you would when approving the whole amount.
Note
Support for partial approval is dependent on the merchant.
Headers
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Each JIT Funding request includes the following HTTP headers that inform your system about the details of the incoming request.
| Name | Description | Allowable Values |
|---|---|---|
|
The universally unique identifier of the JIT Funding request. |
Existing UUID |
|
The version of your JIT Funding gateway. |
1.0, 2.0, 3.0 |
|
The version of the Transaction Model returned by the Core API. |
1.0, 2.0 |
The gpa_order.jit_funding object
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| Fields | Description |
|---|---|
token
string
|
Existing JIT Funding token matching the Allowable Values: 36 char max |
method
string
|
JIT Funding request type. See The jit_funding object for the purpose, funding event type, and description of each method. Allowable Values:
|
user_token
string
|
Holder of the user account to be funded. Allowable Values: Existing user token. |
business_token
string
|
Holder of the business account to be funded. Allowable Values: Existing business token |
acting_user_token
string
|
User who conducted the transaction. Can be a child user configured to share its parent’s account balance. Allowable Values: 36 char max |
amount
decimal
|
Requested amount of funding. NOTE: This field’s value can differ from the transaction’s top-level Allowable Values: 0 min |
address_verification
object
|
Contains address verification data consisting of address data entered by the cardholder, address data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match. Returned depending on the merchant, card network, or product/service purchased. Allowable Values:
|
original_jit_funding_token
string
|
Unique identifier of the first associated JIT Funding message. Useful for correlating related JIT Funding messages (that is, those associated with the same GPA order). Not included in the first of any set of related messages. Allowable Values: 36 char max |
The gpa_order.jit_funding.address_verification object
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| Fields | Description |
|---|---|
request
object
|
Contains address verification data provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values:
|
issuer
object
|
Contains both address verification data held by the Marqeta platform and an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values:
|
The gpa_order.jit_funding.address_verification.request object
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| Fields | Description |
|---|---|
street_address
string
|
Street address provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 40 char max |
postal_code
string
|
Postal code provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 10 char max |
The gpa_order.jit_funding.address_verification.issuer object
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| Fields | Description |
|---|---|
on_file
object
|
Contains address verification data stored on the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values:
|
response
object
|
Contains an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values:
|
The gpa_order.jit_funding.address_verification.issuer.on_file object
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| Fields | Description |
|---|---|
street_address
string
|
Street address provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. This field is a concatenation of the Allowable Values: 40 char max |
postal_code
string
|
Postal code provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 10 char max |
The gpa_order.jit_funding.address_verification.issuer.response object
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| Fields | Description | ||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
code
string
|
Assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes:
|
||||||||||||||||||||||||||||||
memo
string
|
Free-form comments included in the transaction data for authorization and authorization completion transactions. This field should contain additional information about address verification. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max |
Sample request (returned fields)
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The following sample JIT Funding request contains only returned fields. These fields are present in every JIT Funding request.
Sample request (with selection of conditionally returned fields)
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The following sample JIT Funding request contains returned fields, plus a selection of conditionally returned objects and fields such as gpa_order.jit_funding.original_jit_funding_token, gpa_order.jit_funding.address_verification, and digital_wallet_token.
JIT Funding responses
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Your JIT Funding gateway must respond to each JIT Funding request and either approve or deny the requested funding.
Ensure that your response body adheres to the specifications in this section. You must include all required fields regardless of whether you approve or deny the transaction. Balance inquiries require an additional balances object in the response.
Approving or denying the request
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Use the following HTTP response codes to indicate whether you approve or deny the funding request.
-
To approve funding for the JIT Funding request: Set the HTTP response code to "200 OK".
-
To deny funding for the JIT Funding request: Set the HTTP response code to "402 Request Failed".
Response body field details
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| Fields | Description |
|---|---|
jit_funding
object
|
The top-level element of the response. All other fields are contained within this element. NOTE: JIT Funding responses are sent by your gateway to the Marqeta platform in response to a funding request. As such, you must provide this object in your response to the Marqeta platform; the platform does not supply it for you. Allowable Values: Existing |
The jit_funding object
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| Fields | Description |
|---|---|
token
string
|
Identifies the JIT Funding request and response. Allowable Values: Must match request |
method
string
|
Identifies the JIT Funding response type. Allowable Values: Must match request |
user_token
string
|
Identifies the holder of the user account to be funded. Include either a Allowable Values: Must match request |
business_token
string
|
Identifies the holder of the business account to be funded. Include either a Allowable Values: Must match request |
acting_user_token
string
|
Identifies the user who conducted the transaction. This user can be a child user configured to share its parent’s account balance. Allowable Values: Must match request when present |
amount
decimal
|
The requested amount of funding.
This field is required for the
WARNING: The JIT Funding request contains multiple Allowable Values: Format: 0.00 (response must include two decimal places) |
original_jit_funding_token
string
|
The token of the first associated JIT Funding message. This token enables you to correlate related JIT Funding messages (that is, those associated with the same GPA order). This field is not included in the first of any set of related messages. Allowable Values: Must match request when present |
address_verification.gateway
object
|
Contains gateway-held address verification data and the gateway’s assertion as to whether its data matches the data provided by the cardholder. Include this object only if you want to override the assertion provided in the JIT Funding request. Allowable Values: Existing |
balances
object
|
Contains balance information, by currency. Allowable Values: Only include this object in response to an ATM balance inquiry or an ATM withdrawal. In all other scenarios it is ignored. |
tags
string
|
A comma-delimited list of tags. Allowable Values: 255 char max |
memo
string
|
Free-form comments included in the transaction data for authorization and authorization completion transactions. This field should contain additional information about the funding event. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max |
decline_reason
string
|
A descriptive reason for declining the transaction. Allowable Values:
|
The jit_funding.address_verification.gateway object
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| Fields | Description |
|---|---|
on_file
object
|
Contains address verification data held by the gateway. Allowable Values:
|
response
object
|
Contains the gateway’s assertion as to whether its address verification data matches the cardholder’s. Allowable Values:
|
The jit_funding.address_verification.gateway.on_file object
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| Fields | Description |
|---|---|
street_address
string
|
Street address provided by the gateway. Allowable Values: 40 char max |
postal_code
string
|
Postal code provided by the gateway. Allowable Values: 9 char max |
The jit_funding.address_verification.gateway.response object
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| Fields | Description | ||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
code
string
|
The gateway’s assertion as to whether the address verification data provided by the gateway and cardholder match. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes:
|
||||||||||||||||||||||||||||||
memo
string
|
Free-form comments included in the transaction data for authorization and authorization completion transactions. This field should contain additional information about address verification. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max |
The jit_funding.balances object
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The balances object contains one or more objects for each currency of funds held by the associated account.
For example, if an account only holds a balance in USD, there is one sub-object: USD.
When responding to balance inquiries, you must include the jit_funding.balances object containing fields matching the request’s gpa.balances object.
In the case of an ATM withdrawal, you should include the jit_funding.balances object in your JIT funding response to display the current account balance, otherwise a balance of $0 is shown to the cardholder.
You must populate the balances object with the correct amounts from your ledger.
You should not include the amount field in your response.
Note
Your gateway must handle scenarios where cardholders make purchases and balance inquiries in quick succession.Each currency-specific sub-object of jit_funding.balances contains the following fields:
| Fields | Description |
|---|---|
currency_code
string
|
The three-digit ISO 4217 currency code of the balance. Allowable Values: Valid three-digit ISO 4217 currency code |
ledger_balance
decimal
|
Authorized funds that are currently on hold, but not yet cleared. Allowable Values: Format: 0.00 |
available_balance
decimal
|
The ledger balance minus any authorized transactions that have not yet cleared. Also known as the cardholder’s purchasing power. If you are using JIT Funding, this balance is usually 0.00. Allowable Values: Format: 0.00 |
credit_balance
decimal
|
Not currently used. Allowable Values: Not applicable |
pending_credits
decimal
|
ACH loads that have been accepted, but for which the funding time has not yet elapsed. Allowable Values: Format: 0.00 |
Sample responses for authorizations
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JIT Funding notifications
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The transaction that triggered the JIT Funding request and all associated transactions are sent to your system as webhook notifications. The JIT Funding notification body contains the entire transaction.
To implement JIT Funding notifications, you must complete the following tasks:
-
Set up a webhook endpoint in your system to receive JIT Funding notifications.
-
Respond to each notification message with an HTTP response code of "200 OK" and an empty response body. (The Marqeta platform resends the message until it receives the appropriate response.)
You should use JIT Funding notifications to validate that the Marqeta platform receives and correctly processes each of your JIT Funding responses. Doing so safeguards against a situation where the Marqeta platform times out because of a delayed JIT Funding response and declines an authorization for which you already approved JIT Funding. In a case such as this, you need to know that the authorization was not approved and ensure that your cardholder is not debited for the transaction.
The gpa_order.jit_funding object
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| Fields | Description |
|---|---|
token
string
|
Existing JIT Funding token matching the Allowable Values: 36 char max |
method
string
|
JIT Funding response type. Allowable Values:
|
business_token
string
|
Identifies the holder of the business account that was funded. Either a Allowable Values: Existing business token |
user_token
string
|
Identifies the holder of the user account that was funded. Either a Allowable Values: Existing user token |
acting_user_token
string
|
Identifies the user who conducted the transaction. This user can be a child user configured to share its parent’s account balance. Allowable Values: Existing user token |
amount
decimal
|
Amount of funding requested. NOTE: This field’s value can differ from the transaction’s top-level Allowable Values: 0 min |
address_verification
object
|
Contains address verification data consisting of address data entered by the cardholder, address data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match. Returned depending on the merchant, card network, or product/service purchased. Allowable Values:
|
original_jit_funding_token
string
|
Unique identifier of the first associated JIT Funding message. Useful for correlating related JIT Funding messages (that is, those associated with the same GPA order). Not included in the first of any set of related messages. Allowable Values: Existing JIT Funding message token from the |
incremental_authorization_jit_funding_tokens
array of strings
|
Array of tokens referencing the Allowable Values: Valid array of existing JIT Funding request tokens from the |
The gpa_order.jit_funding.address_verification object
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| Fields | Description |
|---|---|
request
object
|
Contains address verification data provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing |
issuer
object
|
Contains both address verification data held by the Marqeta platform and an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing |
gateway
object
|
Contains address verification data consisting of address data entered by the cardholder, address data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match. Allowable Values:
|
request
object
|
Contains address verification data provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing |
The gpa_order.jit_funding.address_verification.issuer object
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| Fields | Description |
|---|---|
on_file
object
|
Contains address verification data held by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: Existing |
response
object
|
Contains an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values:
|
The gpa_order.jit_funding.address_verification.issuer.on_file object
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| Fields | Description |
|---|---|
street_address
string
|
Street address provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. This field is a concatenation of the Allowable Values: 40 char max |
postal_code
string
|
Postal code provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 9 char max |
The gpa_order.jit_funding.address_verification.issuer.response object
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| Fields | Description | ||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
code
string
|
Assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes:
|
||||||||||||||||||||||||||||||
memo
string
|
Free-form comments included in the transaction data for authorization and authorization completion transactions. Returned depending on the merchant, card network, or product/service purchased. This field should contain additional information about address verification. Do not put personally identifiable information (PII) data here. Allowable Values: 99 char max |
The gpa_order.jit_funding.address_verification.gateway object
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| Fields | Description |
|---|---|
on_file
object
|
Contains address verification information. Allowable Values:
|
response
object
|
Contains the Marqeta platform’s assertion as to whether its address verification data matches that provided by the cardholder. Allowable Values:
|
The gpa_order.jit_funding.address_verification.gateway.on_file object
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| Fields | Description |
|---|---|
jit_funding.address_verification.gateway.on_file.postal_code
string
|
Postal code provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 10 char max |
jit_funding.address_verification.gateway.on_file.street_address
string
|
Street address provided by the Marqeta platform. Returned depending on the merchant, card network, or product/service purchased. This field is a concatenation of the Allowable Values: 40 char max |
jit_funding.address_verification.gateway.on_file.zip
string
|
United States ZIP code of the address. Allowable Values: 10 char max |
The gpa_order.jit_funding.address_verification.gateway.response object
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| Fields | Description | ||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
jit_funding.address_verification.gateway.response.code
string
|
Assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder. The assertion is presented as a four-digit code. Allowable Values: One of the following assertion codes:
|
||||||||||||||||||||||||||||||
jit_funding.address_verification.gateway.response.memo
string
|
Information on the outcome of the attempted transaction type. Allowable Values: 255 char max |
The gpa_order.jit_funding.address_verification.request object
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| Fields | Description |
|---|---|
street_address
string
|
Street address provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 40 char max |
postal_code
string
|
Postal code provided by the cardholder. Returned depending on the merchant, card network, or product/service purchased. Allowable Values: 9 char max |
The gpa_order_unload.jit_funding object
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| Fields | Description |
|---|---|
token
string
|
Identifies the JIT Funding notification. Allowable Values: Matches the |
method
string
|
Identifies the JIT Funding notification type. Allowable Values:
|
business_token
string
|
Identifies the holder of the account that was JIT funded. Either a Allowable Values: Existing business token |
user_token
string
|
Identifies the holder of the account that was JIT funded. Either a Allowable Values: Existing user token |
acting_user_token
string
|
Identifies the user who conducted the transaction. This user can be a child user configured to share its parent’s account balance. Allowable Values: Existing user token |
amount
decimal
|
Requested amount of JIT funding. NOTE: This field’s value can differ from the transaction’s top-level Allowable Values: 0 min |
original_jit_funding_token
string
|
The token of the first associated JIT Funding message. This enables you to correlate related JIT Funding messages (that is, those associated with the same GPA order). This field is not included in the first of any set of related messages. Allowable Values: Existing JIT Funding message token (from the |
Reconciliation with custom mapping
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Through customization of the JIT Funding response, you can facilitate end-to-end reconciliation of JIT Funding-related activities in your system.
The JIT Funding response originates from your system. The response contains two optional fields that you can use to inject custom metadata from your system into your JIT Funding-enabled authorization and authorization completion transactions. This mechanism enables you to map elements of your system (such as order numbers, invoice numbers, loan identifiers) to purchases (as represented by transactions).
Note
These two optional fields only appear in the transaction notifications for certain transaction events: authorizations and authorization completion.The following sample code snippet shows these two optional fields in the JIT Funding response.
The tags field is intended for holding a comma-delimited list of tags, whereas the memo field is intended for holding a free-form note containing additional information you would like included in your transaction data.
Do not put personally identifiable information (PII) data here.
The authorization or authorization completion transaction stores the custom metadata contained in these fields for access throughout the transaction’s lifecycle.
You can access this metadata via webhook notifications or by querying the /transactions endpoint (see Webhooks and Transactions).
The following sample code snippet shows these fields in the context of a transaction: