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August 3, 2019

Push-to-Card Payments (Beta)

The /pushtocards endpoint enables you to create a Push-to-Card payment card and disburse funds to it.

Note
This feature is currently in beta and subject to change. It also requires additional activation steps. To learn more about the Beta program for this feature and about activating it for your program, contact your Marqeta representative.

A Push-to-Card payment card represents an external (non-Marqeta) card to which you want to disburse funds. You must add the details of this payment card to the Marqeta platform before disbursing funds.

A disbursement draws funds from your Push-to-Card funding reserve balance and sends (or "pushes") the funds to the payment card. Each disbursement requires an existing Push-to-Card payment card. A disbursement is not linked to any purchase. This type of disbursement is also known as an original credit transaction (OCT).

Note
Marqeta-issued cards and Push-to-Card payment cards are not interchangeable. Marqeta-issued cards are represented by the card object and enable users to make payments. Push-to-Card payment cards are represented by the paymentcard object and can only receive funds disbursed using the /pushtocards endpoint.

Create Push-to-Card payment card

Action: POST
Endpoint: /pushtocards/paymentcard

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Create a Push-to-Card payment card. A payment card represents a non-Marqeta card to which you can disburse funds. Each payment card must be associated with an existing user token.

Body field details

Fields Description

token

string, optional

The unique identifier of the payment card.

If you do not include a token, the system generates one automatically. This token is necessary for use in other API 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:

36 char max

user_token

string, required

The payment card holder’s user token.

Allowable Values:

An existing user token.

To obtain a user token, send a GET request to the /users endpoint.

name_on_card

string, required

The payment card holder’s name as it appears on the card.

Allowable Values:

50 char max

pan

string, required

The payment card’s primary account number.

Allowable Values:

19 char max

cvv

string, required

The payment card’s security code.

Allowable Values:

3 char max

exp_date

string, required

The payment card’s expiration date.

Allowable Values:

mmyy

address_1

string, required

The payment card holder’s street address.

Allowable Values:

255 char max

address_2

string, optional

Additional address information.

Allowable Values:

255 char max

city

string, required

The city that corresponds to the payment card holder’s address.

Allowable Values:

40 char max

state

string, required

The state that corresponds to the payment card holder’s address.

Allowable Values:

2 char max

postal_code

string, required

The postal code that corresponds to the payment card holder’s address.

Allowable Values:

10 char max

country

string, required

The country that corresponds to the payment card holder’s address.

Allowable Values:

40 char max

Sample request body

{
  "user_token": "myUser",
  "name_on_card": "John Smith",
  "pan": "1234123412341234",
  "cvv": "123",
  "exp_date": "0120",
  "address_1": "123 Main Street",
  "city": "Oakland",
  "state": "CA",
  "postal_code":  "94601",
  "country": "USA"
}

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Sample response body

{
  "created_time": "2018-02-22T18:16:32Z",
  "last_modified_time": "2018-02-22T18:16:36Z",
  "address_1": "123 Main Street",
  "city": "Oakland",
  "state": "CA",
  "postal_code": "94601",
  "country": "USA",
  "last_four": "1234",
  "token": "8fdc41ee-95c5-4a06-83a3-3e6f2537b787",
  "fast_fund_transfer_eligible": false,
  "gambling_fund_transfer_eligible": false,
  "name_on_card": "John Smith"
}

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List Push-to-Card payment cards

Action: GET
Endpoint: /pushtocards/paymentcard?user_token={token}

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List existing Push-to-Card payment cards associated with a specific user.

Query parameters

Fields Description

user_token

string, required

Identifies the user whose payment cards you want to list.

Allowable Values:

An existing user token.

To obtain a user token, send a GET request to /users.

Response body details

Fields Description

token

string, optional

The unique identifier of the payment card.

Allowable Values:

36 char max

user_token

string, optional

The payment card holder’s user token.

Allowable Values:

An existing user token.

name_on_card

string, optional

The payment card holder’s name as it appears on the card.

Allowable Values:

50 char max

address_1

string, optional

The payment card holder’s street address.

Allowable Values:

255 char max

address_2

string, optional

Additional address information.

Allowable Values:

255 char max

city

string, optional

The city that corresponds to the payment card holder’s address.

Allowable Values:

40 char max

state

string, optional

The state that corresponds to the payment card holder’s address.

Allowable Values:

2 char max

postal_code

string, optional

The postal code that corresponds to the payment card holder’s address.

Allowable Values:

10 char max

country

string, optional

The country that corresponds to the payment card holder’s address.

Allowable Values:

40 char max

last_four

string, optional

The last four digits of the payment card number.

Allowable Values:

4 char max

fast_fund_transfer_eligible

boolean, optional

Indicates whether the external payment card issuer supports funding within 30 minutes for this payment card.

Allowable Values:

true, false

gambling_fund_transfer_eligible

boolean, optional

Indicates whether the external payment card issuer supports gambling-related funding for this card.

Allowable Values:

true, false

Sample response body

{
  "count": 1,
  "start_index": 0,
  "end_index": 0,
  "is_more": false,
  "data": [
    {
      "created_time": "2018-02-22T18:16:32Z",
      "last_modified_time": "2018-02-22T18:16:36Z",
      "address_1": "123 Main Street",
      "city": "Oakland",
      "state": "CA",
      "postal_code": "94601",
      "country": "USA",
      "last_four": "1234",
      "token": "8fdc41ee-95c5-4a06-83a3-3e6f2537b787",
      "fast_fund_transfer_eligible": false,
      "gambling_fund_transfer_eligible": false,
      "name_on_card": "John Smith"
    }
  ]
}

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Retrieve Push-to-Card payment card

Action: GET
Endpoint: /pushtocards/paymentcard/{token}

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Retrieve details about a specific Push-to-Card payment card.

URL path parameters

Fields Description

token

string, required

Identifies the payment card to retrieve.

Allowable Values:

An existing payment card.

To obtain a paymentcard token, send a GET request to /pushtocards/paymentcard.

Sample response body

{
  "created_time": "2018-02-22T18:16:32Z",
  "last_modified_time": "2018-02-22T18:16:36Z",
  "address_1": "123 Main Street",
  "city": "Oakland",
  "state": "CA",
  "postal_code": "94601",
  "country": "USA",
  "last_four": "1234",
  "token": "8fdc41ee-95c5-4a06-83a3-3e6f2537b787",
  "fast_fund_transfer_eligible": false,
  "gambling_fund_transfer_eligible": false,
  "name_on_card": "John Smith"
}

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Create Push-to-Card disbursement

Action: POST
Endpoint: /pushtocards/disburse

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Create a Push-to-Card disbursement. A Push-to-Card disbursement represents an original credit transaction, which enables you to draw funds from your Push-to-Card funding reserve balance and send them to an external, non-Marqeta payment card.

Body field details

Fields Description

token

string, optional

The unique identifier of the disbursement.

If you do not include a token, the system generates one automatically. This token is necessary for use in other API 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:

36 char max

currency_code

string, required

The 3-character ISO 4217 currency code for the disbursement.

Allowable Values:

3 char max

amount

int, required

The amount of the disbursement.

Note: The maximum amount that you can disburse is determined by your program and/or the recipient financial institution.

Allowable Values:

1 min, 50000 max

payment_instrument_token

string, required

The token of the Push-to-Card payment card.

Allowable Values:

An existing Push-to-Card payment card token.

tags

string, optional

An arbitrary identifier.

Allowable Values:

255 char max

memo

string, optional

A message describing the disbursement.

Allowable Values:

255 char max

Sample request body

{
  "currency_code": "840",
  "amount": 10.00,
  "payment_instrument_token": "8b2bz20d-7cdc-492b-81z4-77a295z1e471"
}

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Sample response body

{
  "created_time": "2018-02-22T18:17:19Z",
  "last_modified_time": "2018-02-22T18:17:19Z",
  "token": "e50d56cb-9aeb-4a13-a6c4-ed1f089a5ea5",
  "currency_code": "USD",
  "amount": 10.00,
  "status": "success",
  "payment_instrument_token": "8b2bz20d-7cdc-492b-81z4-77a295z1e471"
}

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List Push-to-Card disbursements

Action: GET
Endpoint: /pushtocards/disburse

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List all disbursements made to Push-to-Card payment cards.

Sample response body

{
  "count": 2,
  "start_index": 0,
  "end_index": 1,
  "is_more": false,
   "data": [
    {
      "created_time": "2018-02-22T18:18:58Z",
      "last_modified_time": "2018-02-22T18:18:58Z",
      "token": "4fc83b87-816e-4f67-8819-3a22d912943c",
      "amount": 5.25,
      "status": "success",
      "payment_instrument_token": "8fdc41ee-95c5-4a06-83a3-3e6f2537b787"
    },
    {
      "created_time": "2018-02-22T18:17:19Z",
      "last_modified_time": "2018-02-22T18:17:19Z",
      "token": "e50d56cb-9aeb-4a13-a6c4-ed1f089a5ea5",
      "currency_code": "USD",
      "amount": 10.00,
      "status": "success",
      "payment_instrument_token": "8b2bz20d-7cdc-492b-81z4-77a295z1e471"
     }
  ]
}

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Retrieve Push-to-Card disbursement

Action: GET
Endpoint: /pushtocards/disburse/{token}

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Retrieve the details of a specific Push-to-Card disbursement.

URL path parameters

Fields Description

token

string, required

Identifies the disbursement to retrieve.

Allowable Values:

An existing disbursement token.

To obtain a disbursement token, send a GET request to /pushtocards/disburse.

Sample response body

{
  "created_time": "2018-02-22T18:17:19Z",
  "last_modified_time": "2018-02-22T18:17:19Z",
  "token": "e50d56cb-9aeb-4a13-a6c4-ed1f089a5ea5",
  "currency_code": "USD",
  "amount": 10.00,
  "status": "success",
  "payment_instrument_token": "8b2bz20d-7cdc-492b-81z4-77a295z1e471"
}

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