> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # Simulations 2.0 — Card Transactions > Marqeta's Simulations API allows you to simulate API calls and review responses. export const EndpointCard = ({method = "API", title, children, href, arrow = true}) => { const METHOD_STYLES = { GET: { bg: "mint-bg-green-400/20 dark:mint-bg-green-400/20", text: "mint-text-green-700 dark:mint-text-green-400", border: "mint-border-green-300 dark:mint-border-green-700" }, POST: { bg: "mint-bg-blue-400/20 dark:mint-bg-blue-400/20", text: "mint-text-blue-700 dark:mint-text-blue-400" }, PUT: { bg: "mint-bg-yellow-400/20 dark:mint-bg-yellow-400/20", text: "mint-text-yellow-700 dark:mint-text-yellow-400" }, PATCH: { bg: "mint-bg-orange-400/20 dark:mint-bg-orange-400/20", text: "mint-text-orange-700 dark:mint-text-orange-400" }, DELETE: { bg: "mint-bg-red-400/20 dark:mint-bg-red-400/20", text: "mint-text-red-700 dark:mint-text-red-400" }, API: { bg: "mint-bg-black", text: "mint-text-white" } }; const MethodBadge = ({method}) => { const style = METHOD_STYLES[method?.toUpperCase()] ?? METHOD_STYLES.GET; return {method?.toUpperCase()} ; }; const content =
{}
{}

{title}

{children &&

{children}

}
; if (!href) return content; return {content} ; }; The Marqeta platform provides you with a production environment and a sandbox. The main difference between the production and sandbox environments is that your production environment communicates with a payment card network. This communication allows your program’s cards to pay for goods and services by initiating live transactions over the card network. There are two types of sandbox environments available: * **Public sandbox:** A single-user environment where you can begin building your program and experiment with the Marqeta platform. * **Private sandbox:** A multi-user environment where you can integrate your application with the Marqeta platform. All funds and transactions are simulated in both types of sandbox environments. Unlike the production environment, a sandbox does not communicate with a card network, so the cards you create within them cannot be used to conduct real-world transactions. Therefore, you must rely on simulated transactions in order to test all objects you create within a sandbox. The sandbox environments provide a set of endpoints that let you simulate various types of card network transactions, such as authorizations, reversals, and balance inquiries. These endpoints are available only within the sandbox, so the details on this page do not apply to production. To use the Simulations API for card transactions: * Create a card in your sandbox environment. * Use the `/simulations/cardtransactions/*` endpoints to simulate transaction event types. Each endpoint is its own event type. * Use the `/webhooks` endpoint to send optional customer notifications for system events. To use the Simulations API for direct deposits, see [Simulations 2.0 — Direct Deposits](/core-api/simulations-direct-deposits/). **Note**\ You can use [Postman](https://www.postman.com) to run requests for [card transaction](/core-api/simulations-card-transactions/) and [direct deposit](/core-api/simulations-direct-deposits/) simulations endpoints. This collection of requests has been saved as a YAML file for your convenience. To access the YAML file, see [Postman Collection for Simulations 2.0](/core-api/postman-collection-simulations/). All card transaction simulations endpoints share the same request/response model, as described below.

Request body

| Fields | Description | | ------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | card\_token

string

Optional | Unique identifier of the card. Useful when a single account holder has multiple cards.

**Allowable Values:**

36 char max | | amount

decimal

Optional | Amount of the transaction.

**Allowable Values:**

0 min

Format: 0.00 | | anticipated\_amount

decimal

Optional | Anticipated amount of the transaction, as provided by the card network.

**Allowable Values:**

Format: 0.00 | | cash\_back\_amount

decimal

Optional | The cashback amount requested.

**Allowable Values:**

Format: 0.00 | | is\_preauthorization

boolean

Optional | Indicates if the transaction is a pre-authorization. Set to true to mark the amount as an authorization only.

**Allowable Values:**

true, false | | card\_acceptor

object

Optional | Contains information about the merchant.

**Allowable Values:**

Valid card\_acceptor object | | card\_acceptor.**mid**

string

Optional | The merchant identifier.

**Allowable Values:**

2–15 chars | | card\_acceptor.**mcc**

string

Optional | Merchant category code (MCC).

**Allowable Values:**

5 char max | | card\_acceptor.**name**

string

Optional | Card acceptor’s name.

**Allowable Values:**

255 char max | | card\_acceptor.**address**

string

Optional | Card acceptor’s address. May be returned if the request uses Transaction Model v1 of the Marqeta Core API. Not returned for Transaction Model v2 requests.

**Allowable Values:**

255 char max | | card\_acceptor.**city**

string

Optional | Card acceptor’s city.

**Allowable Values:**

255 char max | | card\_acceptor.**state**

string

Optional | Two-character state, provincial, territorial, or federal abbreviation.

For a complete list of valid abbreviations, see Valid state, provincial, territorial, and federal abbreviations.

**Allowable Values:**

2 char max | | card\_acceptor.**postal\_code**

string

Optional | Card acceptor’s postal code.

**Allowable Values:**

10 char max | | card\_acceptor.**country\_code**

string

Optional | Card acceptor’s country code. May be returned if the request uses Transaction Model v2 of the Marqeta Core API. Not returned for Transaction Model v1 requests.

**Allowable Values:**

40 char max | | card\_acceptor.**poi**

object

Optional | Contains information about the point of sale, including details about how the card was presented.

Returned if provided by the card network, and if the request uses Transaction Model v1 of the Marqeta Core API. Not returned for Transaction Model v2 requests.

**Allowable Values:**

tid, partial\_approval\_capable, cardholder\_presence, card\_presence, pin\_present, special\_condition\_indicator | | card\_acceptor.poi.**tid**

string

Optional | Card acceptor or terminal identification number.

**Allowable Values:**

255 char max | | card\_acceptor.poi.**partial\_approval\_capable**

string

Optional | Indicates whether the card acceptor or terminal supports partial-approval transactions.

**Allowable Values:**

255 char max | | card\_acceptor.poi.**cardholder\_presence**

string

Optional | Indicates whether the cardholder was present during the transaction.

**Allowable Values:**

255 char max | | card\_acceptor.poi.**card\_presence**

string

Optional | Indicates whether the card was present during the transaction.

**Allowable Values:**

255 char max | | card\_acceptor.poi.**pin\_present**

string

Optional | Indicates whether the cardholder entered a PIN during the transaction.

**Allowable Values:**

255 char max | | card\_acceptor.poi.**special\_condition\_indicator**

string

Optional | Indicates a higher-risk operation, such as a quasi-cash or cryptocurrency transaction.

These transactions typically involve non-financial institutions.

**Allowable Values:**

UNSPECIFIED, CRYPTOCURRENCY\_PURCHASE, QUASI\_CASH, DEBT\_PAYMENT, CENTRAL\_BANK\_DIGITAL\_CURRENCY\_PURCHASE, STABLECOIN\_PURCHASE, BLOCKCHAIN\_NATIVE\_TOKEN\_PURCHASE, NON\_FUNGIBLE\_TOKEN\_PURCHASE | | force\_post

boolean

Optional | Set to true to simulate a forced clearing transaction.

**NOTE:** If you set this field to true, you must also set the original\_transaction\_token field to an existing transaction token (the transaction does not need to be related).

**Allowable Values:**

true, false | | fees

array of objects

Optional | List of fees associated with the transaction.

This array is returned if it exists in the resource.

**Allowable Values:**

Existing fees array | | fees\[].**type**

string

Optional | The type of fee assessed by the card network.

**Allowable Values:**

ISSUER\_FEE, SWITCH\_FEE, PINDEBIT\_ASSOC\_FEE, ACQUIRER\_FEE, INTERCHANGE\_FEE, CUR\_CONV\_CARDHOLDER\_FEE, CUR\_CONV\_ISSUER\_FEE, CROSS\_BORDER\_ISSUER\_FEE | | fees\[].**amount**

decimal

Optional | The amount of the network fee.

**Allowable Values:**

Format: 0.00 | | fees\[].**credit\_debit**

string

Optional | Indicates whether the fee is a credit or a debit.

- **C** indicates a credit
- **D** indicates a debit

The following table lists the default values for fee types:

Fee Type / Default Value
ISSUER\_FEE / C
SWITCH\_FEE / D
PINDEBIT\_ASSOC\_FEE / D
ACQUIRER\_FEE / D
INTERCHANGE\_FEE / C
CUR\_CONV\_CARDHOLDER\_FEE / D
CUR\_CONV\_ISSUER\_FEE / C
CROSS\_BORDER\_ISSUER\_FEE / C

**Allowable Values:**

C, D | | card\_options

object

Optional | Contains attributes that govern card usage.

**Allowable Values:**

Valid card\_options object | | card\_options.**pin**

string

Optional | The PIN for the card.

**Allowable Values:**

4 char max | | card\_options.**cvv**

string

Optional | The CVV2 number for the card.

**Allowable Values:**

3 chars | | card\_options.**card\_present**

boolean

Optional | A value of true requires that the card be present for the transaction.

**Allowable Values:**

true, false | | card\_options.**expiration**

string

Optional | The expiration date of the card.

**Allowable Values:**

4 chars | | card\_options.**billing\_address**

object

Optional | Used for Address Verification System (AVS). The address-related fields in this object are verified against known values.

**Allowable Values:**

Valid billing\_address object | | card\_options.billing\_address.**first\_name**

string

Optional | Cardholder’s first name.

**Allowable Values:**

To pass AVS, the value in this field must match the first name on record. | | card\_options.billing\_address.**last\_name**

string

Optional | Cardholder’s last name.

**Allowable Values:**

To pass AVS, the value in this field must match the last name on record. | | card\_options.billing\_address.**address**

string

Optional | Cardholder’s address.

**Allowable Values:**

To pass AVS, the value in this field must match the address on record. | | card\_options.billing\_address.**zip**

string

Optional | Cardholder’s postal code.

**Allowable Values:**

To pass AVS, the value in this field must match the postal code on record. | | pos

object

Optional | Contains information about the point of sale, including details on how the card was presented. May be returned if the request uses Transaction Model v2 of the Marqeta Core API.

Not returned for Transaction Model v1 requests.

**Allowable Values:**

Valid pos object | | pos.**partial\_approval\_capable**

boolean

Optional | Indicates the capability of the card acceptor or terminal to handle partial approvals.

**Allowable Values:**

true, false | | pos.**special\_condition\_indicator**

string

Optional | Indicates special conditions for the transaction.

**Allowable Values:**

UNSPECIFIED, CRYPTOCURRENCY\_PURCHASE, QUASI\_CASH, DEBT\_PAYMENT, CENTRAL\_BANK\_DIGITAL\_CURRENCY\_PURCHASE, STABLECOIN\_PURCHASE, BLOCKCHAIN\_NATIVE\_TOKEN\_PURCHASE, NON\_FUNGIBLE\_TOKEN\_PURCHASE | | pos.**pan\_entry\_mode**

string

Optional | How the card PAN was captured at the point of sale.

The Marqeta platform supports different values, depending on which card network was specified using the network field. The following table lists the supported PAN capture methods per card network:

**NOTE:** This field does not apply to the Discover card network.

Entry Mode / Visa / Mastercard / Pulse
MAG\_STRIPE / ✓ / ✓ / ✓
MANUAL / ✓ / ✓ / ✓
CARD\_ON\_FILE / ✓ / ✓ / ✓
CHIP\_FALLBACK / ✓ / ✓ / ✓
BAR\_CODE / / / ✓
OCR / / / ✓

**Allowable Values:**

- **MAG\_STRIPE** – Magnetic stripe card’s swipe method was used.
- **MANUAL** – Card PAN was entered manually.
- **CARD\_ON\_FILE** – Merchant initiated the transaction using card information stored on file.
- **CHIP\_FALLBACK** – Chip card was processed as a magnetic stripe transaction.
- **BAR\_CODE** – Bar code was used.
- **OCR** – Optical code reader was used. | | preceding\_related\_transaction\_token

string

Optional | Unique identifier of the card. Useful when a single account holder has multiple cards.

**Allowable Values:**

36 char max | | network

string

Optional | Indicates which card network was used to complete the transaction.

**Allowable Values:**

VISA, MASTERCARD, DISCOVER, PULSE | | sub\_network

string

Optional | Indicates which subnetwork was used to complete the transaction.

**Allowable Values:**

VISANET, VISANETDEBIT, VISAINTERLINK, VISAPLUS, MAESTRO, CIRRUS, MASTERCARDDEBIT | | currency\_conversion

object

Optional | Contains information from the card network about currency conversion, including the original currency of the transaction, the amount of the transaction in the origination currency, and the conversion rate.

Returned if the transaction involves currency conversion.

**Allowable Values:**

Valid currency\_conversion object | | currency\_conversion.**original\_amount**

decimal

Optional | Amount of the transaction in the currency in which it originated. Returned if the transaction involves currency conversion.

**Allowable Values:**

Format: 0.00 | | currency\_conversion.**conversion\_rate**

decimal

Optional | Conversion rate between the origination currency and the settlement currency.

Returned when the transaction currency is different from the origination currency.

**Allowable Values:**

Current conversion rate

**NOTE:** A value of 0 or 1 indicates no conversion; the currencies are the same. | | currency\_conversion.**original\_currency\_code**

string

Optional | The three-digit ISO 4217 currency code.

**Allowable Values:**

Valid three-digit ISO 4217 currency code | | currency\_code

string

Optional | Currency type of the transaction.

**Allowable Values:**

AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD | | account\_funding

object

Optional | Information used when funding an account.

**Allowable Values:**

Valid account\_funding object | | account\_funding.**first\_name**

string

Required | Account holder’s first name.

**Allowable Values:**

To pass AVS, must match the first name on record. | | account\_funding.**last\_name**

string

Optional | Account holder’s last name.

**Allowable Values:**

To pass AVS, must match the last name on record. | | account\_funding.**receiver\_name**

string

Optional | Recipient’s name.

**Allowable Values:**

To pass AVS, must match the name on record. | | account\_funding.**funding\_source**

string

Required | Describes the source of the funding.

**Allowable Values:**

CREDIT, DEBIT, PREPAID, DEPOSIT\_ACCOUNT, CASH, MOBILE\_MONEY\_ACCOUNT, NON\_VISA\_CREDIT, CHECK, ACH | | account\_funding.**receiver\_account\_type**

string

Required | Identifies the account type used for the funding request.

**Allowable Values:**

OTHER, RTN\_BANK\_ACCOUNT, IBAN, CARD\_ACCOUNT, EMAIL, PHONE\_NUMBER, BANK\_ACCOUNT\_NUMBER\_AND\_BANK\_IDENTIFICATION\_CODE, WALLET\_ID, SOCIAL\_NETWORK\_ID | | account\_funding.**transaction\_purpose**

string

Optional | Identifies the purpose of the transaction.

**Allowable Values:**

- FAMILY\_SUPPORT
- REGULAR\_LABOR\_TRANSFERS
- TRAVEL\_AND\_TOURISM
- EDUCATION
- MEDICAL\_TREATMENT
- EMERGENCY\_NEED
- SAVINGS
- GIFTS
- OTHER
- SALARY
- CROWD\_LENDING
- CRYPTO\_CURRENCY | | account\_funding.**transaction\_type**

string

Required | Describes the type of transaction.

**Allowable Values:**

ACCOUNT\_TO\_ACCOUNT, PERSON\_TO\_PERSON, WALLET\_TRANSFER, MONEY\_TRANSFER\_BY\_BANK, BUSINESS\_TO\_BUSINESS, DISBURSEMENT, GOVERNMENT\_DISBURSEMENT, GAMBLING\_PAYOUT, LOYALTY, MERCHANT\_DISBURSEMENT, ONLINE\_GAMBLING\_PAYOUT, PENSION\_DISBURSEMENT, PREPAID\_LOADS, CARD\_BILL\_PAYMENT, BILL\_PAYMENT, CASH\_CLAIM, CASH\_IN, CASH\_OUT, MOBILE\_AIR\_TIME\_PAYMENT, MONEY\_TRANSFER\_BY\_MERCHANT, FACE\_TO\_FACE\_MERCHANT\_PAYMENT, GOVERNMENT\_PAYMENT, PAYMENTS\_GOODS\_SERVICES, FUNDS\_TRANSFER, VISA\_ACCEPT, GENERAL\_BUSINESS\_TO\_BUSINESS\_TRANSFER, BUSINESS\_TO\_BUSINESS\_TRANSFER, CASH\_DEPOSIT, PURCHASE\_REPAYMENT, AFT\_OR\_OCT\_ELIGIBILITY, CONSUMER\_BILL\_PAYMENT, REQUEST\_TO\_PAY, LIQUID\_ASSET, FAST\_REFUND, GAMING\_PAYMENT | | original\_credit

object

Optional | Contains information about an original credit transaction (OCT), which enables the cardholder to receive funds on the specified card from an external source via the card network.

**Allowable Values:**

Existing original\_credit object | | original\_credit.**funding\_source**

string

Optional | Describes the source of the funding.

**Allowable Values:**

CREDIT, DEBIT, PREPAID, DEPOSIT\_ACCOUNT, CASH, MOBILE\_MONEY\_ACCOUNT, NON\_VISA\_CREDIT, CHECK, ACH | | original\_credit.**transaction\_type**

string

Optional | Describes the type of transaction.

**Allowable Values:**

ACCOUNT\_TO\_ACCOUNT, PERSON\_TO\_PERSON, WALLET\_TRANSFER, MONEY\_TRANSFER\_BY\_BANK, BUSINESS\_TO\_BUSINESS, DISBURSEMENT, GOVERNMENT\_DISBURSEMENT, GAMBLING\_PAYOUT, LOYALTY, MERCHANT\_DISBURSEMENT, ONLINE\_GAMBLING\_PAYOUT, PENSION\_DISBURSEMENT, PREPAID\_LOADS, CARD\_BILL\_PAYMENT, BILL\_PAYMENT, CASH\_CLAIM, CASH\_IN, CASH\_OUT, MOBILE\_AIR\_TIME\_PAYMENT, MONEY\_TRANSFER\_BY\_MERCHANT, FACE\_TO\_FACE\_MERCHANT\_PAYMENT, GOVERNMENT\_PAYMENT, PAYMENTS\_GOODS\_SERVICES, FUNDS\_TRANSFER, VISA\_ACCEPT, GENERAL\_BUSINESS\_TO\_BUSINESS\_TRANSFER, BUSINESS\_TO\_BUSINESS\_TRANSFER, CASH\_DEPOSIT, PURCHASE\_REPAYMENT, AFT\_OR\_OCT\_ELIGIBILITY, CONSUMER\_BILL\_PAYMENT, REQUEST\_TO\_PAY, GAMING\_PAYMENT | | original\_credit.**sender\_account\_type**

string

Optional | The type of account from which the OCT draws funds.

**Allowable Values:**

OTHER, RTN\_BANK\_ACCOUNT, IBAN, CARD\_ACCOUNT, EMAIL, PHONE\_NUMBER, BANK\_ACCOUNT\_NUMBER\_AND\_BANK\_IDENTIFICATION\_CODE, WALLET\_ID, SOCIAL\_NETWORK\_ID | | original\_credit.**sender\_name**

string

Optional | Full name of the sender.

**Allowable Values:**

255 char max | | original\_credit.**screening\_score**

string

Optional | Sanctions screening score to assist with meeting Anti-Money Laundering (AML) obligations. Higher scores indicate that the sender’s data more closely resembles an entry on the regulatory watchlist.

A value of 999 means that no screening score is available.

**Allowable Values:**

000-100, 999 | | flex

object

Optional | Requests model to invoke Flexible Credential transactions.

**Allowable Values:**

eligible, eligible\_products | | flex.**eligible**

boolean

Optional | Indicates whether the transaction is eligible for Flexible Credential transactions or not.

**Allowable Values:**

true, false | | flex.**eligible\_products**

array of strings

Optional | Specifies which of the payment instrument’s credentials is eligible for this transaction.

**Allowable Values:**

DEBIT\_TO\_LOAN | | account\_name\_verification

object

Optional | Contains name verification data: the full name entered by the cardholder, name data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match.

**Allowable Values:**

on\_file, request, request\_type, response | | account\_name\_verification.**on\_file**

object

Optional | Contains the name of the cardholder for account name verification.

**Allowable Values:**

first\_name, last\_name, middle\_name | | account\_name\_verification.on\_file.**first\_name**

string

Optional | First name of the cardholder.

**Allowable Values:**

40 char max | | account\_name\_verification.on\_file.**last\_name**

string

Optional | Last name of the cardholder.

**Allowable Values:**

40 char max | | account\_name\_verification.on\_file.**middle\_name**

string

Optional | Middle name of the cardholder.

**Allowable Values:**

40 char max | | account\_name\_verification.**request**

object

Optional | Contains the name of the cardholder for account name verification.

**Allowable Values:**

first\_name, last\_name, middle\_name | | account\_name\_verification.request.**first\_name**

string

Optional | First name of the cardholder.

**Allowable Values:**

40 char max | | account\_name\_verification.request.**last\_name**

string

Optional | Last name of the cardholder.

**Allowable Values:**

40 char max | | account\_name\_verification.request.**middle\_name**

string

Optional | Middle name of the cardholder.

**Allowable Values:**

40 char max | | account\_name\_verification.**request\_type**

string

Optional | *(Mastercard only)* Indicates the type of authentication request.

**Allowable Values:**

SENDER, RECEIVER | | account\_name\_verification.**response**

object

Optional | Contains an assertion as to whether the Marqeta platform’s address verification data matches data provided by the cardholder.

**Allowable Values:**

Existing response object | | account\_name\_verification.response.**code**

string

Required | Four-digit code corresponding with the outcome of the attempted transaction type.

For account name verification, the four digits correspond with assertions that the first, middle, last, and full name of the cardholder on the Marqeta platform match the data provided by the cardholder. 0 indicates no validation was performed, 1 indicates the match was unsuccessful (unmatched), 2 indicates the match was partial, and 3 indicates the match was exact. For example:

Code / First Name / Middle Name / Last Name / Full Name
0000 / Not validated / Not validated / Not validated / Not validated
1111 / Unmatched / Unmatched / Unmatched / Unmatched
3333 / Exact match / Exact match / Exact match / Exact match
1232 / Unmatched / Partial match / Exact match / Partial match

**Allowable Values:**

Four-digit code | | account\_name\_verification.response.**memo**

string

Required | Information on the outcome of the attempted transaction type.

**Allowable Values:**

255 char max | | account\_name\_verification.response.**additional\_information**

string

Optional | Provides information about the relevant velocity control for the transaction, if applicable.

**Allowable Values:**

The additional\_information field returns a string in the following format: \, cumulative transaction amount is \, where X is the cumulative transaction amount value calculated by Marqeta. For example: 500 max spend per day, cumulative transaction amount is 750. | | address\_verification

object

Optional | Contains the address of the cardholder for account address verification.

**Allowable Values:**

postal\_code, street\_address | | address\_verification.**postal\_code**

string

Optional | Postal code of the cardholder.

**Allowable Values:**

10 char max | | address\_verification.**street\_address**

string

Optional | Street address of the cardholder.

**Allowable Values:**

255 char max |

Response body

| Fields | Description | | ---------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | transaction

object

Optional | Contains information about the transaction.

**Allowable Values:**

Existing transaction object | | transaction.**type**

string

Required | Transaction event type.

For more information about the type field, see Transaction events.

**Allowable Values:**

gpa.credit, gpa.credit.pending, gpa.credit.pending.reversal, gpa.credit.reversal, gpa.credit.networkload, gpa.credit.networkload.reversal, gpa.debit.networkload, gpa.debit, gpa.debit.pending, gpa.debit.pending.reversal, gpa.grant, gpa.credit.issueroperator, gpa.debit.issueroperator, gpa.credit.chargeback, gpa.credit.chargeback.reversal, gpa.credit.billpayment, gpa.credit.authorization.billpayment, gpa.credit.authorization.billpayment.reversal, authorization, authorization.advice, authorization.reversal, authorization.clearing, authorization.reversal.issuerexpiration, dispute.credit, dispute.debit, authorization.clearing.chargeback, authorization.clearing.chargeback.reversal, refund, pindebit.atm.withdrawal, pindebit.balanceinquiry, pindebit.cashback, pindebit.checkavs, pindebit, programreserve.credit, programreserve.debit, fee.charge.pending, fee.charge, fee.charge.refund, fee.charge.reversal, funds.expire, reward.earn, transfer.peer, transfer.fee, account.funding.authorization, account.funding.authorization.reversal, account.funding.authorization.clearing, account.funding.auth\_plus\_capture, account.funding.auth\_plus\_capture.reversal, account.credit, account.debit, balanceinquiry, authorization.atm.withdrawal, authorization.pin.change, authorization.pin.unblock, authorization.clearing.atm.withdrawal, authorization.cashback, authorization.clearing.cashback, transfer.program, authorization.quasi.cash, authorization.clearing.quasi.cash, authorization.incremental, gpa.credit.authorization, gpa.credit.authorization.reversal, gpa.debit.authorization, gpa.debit.reversal, original.credit.authorization, original.credit.authorization.reversal, original.credit.authorization.clearing, original.credit.auth\_plus\_capture, original.credit.auth\_plus\_capture.reversal, refund.authorization, refund.authorization.advice, refund.authorization.clearing, refund.authorization.reversal, token.activation-request, token.advice, pindebit.authorization, pindebit.authorization.clearing, pindebit.authorization.reversal, pindebit.authorization.reversal.issuerexpiration, authorization.standin, authorization.clearing.chargeback.completed, authorization.clearing.chargeback.provisional.credit, authorization.clearing.chargeback.provisional.debit, authorization.clearing.chargeback.writeoff, directdeposit.credit, directdeposit.credit.pending, directdeposit.credit.reject, directdeposit.credit.pending.reversal, directdeposit.credit.reversal, directdeposit.debit, directdeposit.debit.pending, directdeposit.debit.reject, directdeposit.debit.reversal, pin.change.reversal, pin.change.reversal.advice, directdeposit.debit.pending.reversal, pindebit.chargeback, pindebit.chargeback.completed, pindebit.chargeback.provisional.credit, pindebit.chargeback.provisional.debit, pindebit.chargeback.reversal, pindebit.chargeback.writeoff, pindebit.pin.change, pindebit.pin.unblock, pindebit.credit.adjustment, pindebit.quasicash, pindebit.quasi.cash, pindebit.refund, pindebit.refund.reversal, pindebit.reversal, pindebit.transfer, pushtocard.debit, pushtocard.reversal, credit.adjustment, debit.adjustment, pin.change.via.api, product.inquiry, transit.offer, transfer.from.checking.hold, transfer.from.checking.clear, transfer.to.checking.open, transfer.to.checking.clear, transfer.to.savings.open, transfer.to.savings.clear, transfer.from.savings.hold, transfer.from.savings.clear, fps.debit.hold, fps.debit.clear, fps.debit.hold.reverse, fps.debit.clear.reverse, fps.credit.open, fps.credit.clear, fps.credit.open.reverse, fps.credit.clear.reverse, interest.posting.clear, interest.posting.clear.reverse, interest.posting.adjustment, unknown | | transaction.**state**

string

Required | Current state of the transaction.

For more information about the state field, see The transaction lifecycle.

**Allowable Values:**

CLEARED, COMPLETION, DECLINED, ERROR, PENDING | | transaction.**token**

string

Required | Unique identifier of the transaction, formatted as a UUID.

**NOTE:** For subsequent related transactions, this token value appears as the preceding\_related\_transaction\_token.

**Allowable Values:**

1–36 chars | | transaction.**user\_token**

string

Optional | Unique identifier of the user who owns the account that funded the transaction. Subsequent related transactions retain the same user\_token, even if the card used to complete the transaction moves to another user.

**Allowable Values:**

36 char max | | transaction.**card\_token**

string

Optional | Unique identifier of the card. Useful when a single account holder has multiple cards.

**Allowable Values:**

36 char max | | transaction.**response**

object

Optional | Contains an assertion as to whether the Marqeta platform’s address verification data matches data provided by the cardholder.

**Allowable Values:**

Existing response object | | transaction.response.**code**

string

Required | Four-digit code corresponding with the outcome of the attempted transaction type.

For card security verification, the code indicates whether the verification check passed and can have these possible values:

- 0000 – passed
- 0001 – did not pass

**Allowable Values:**

Four-digit code | | transaction.response.**memo**

string

Required | Information on the outcome of the attempted transaction type.

**Allowable Values:**

255 char max | | transaction.response.**additional\_information**

string

Optional | Provides information about the relevant velocity control for the transaction, if applicable.

**Allowable Values:**

The additional\_information field returns a string in the following format: \, cumulative transaction amount is \, where X is the cumulative transaction amount value calculated by Marqeta. For example: 500 max spend per day, cumulative transaction amount is 750. | | transaction.**created\_time**

datetime

Optional | Date and time when the Marqeta platform created the transaction entry, in UTC format. For example, when Marqeta processed the clearing record for a refund.

**Allowable Values:**

date-time

**Format:**
yyyy-MM-ddThh:mm:ssZ | | transaction.**user\_transaction\_time**

datetime

Optional | Date and time when the user initiated the transaction, in UTC. For example, when a merchant performed the original authorization for a refund.

**Allowable Values:**

date-time

**Format:**
yyyy-MM-ddThh:mm:ssZ | | transaction.**settlement\_date**

datetime

Optional | Date and time when funds were moved for a transaction, in UTC. For example, in the case of a refund, when funds were credited to the cardholder.

**Allowable Values:**

date-time

**Format:**
yyyy-MM-ddThh:mm:ssZ | | transaction.**amount**

decimal

Required | Amount of the transaction.

**Allowable Values:**

Format: 0.00 | | transaction.**amount\_to\_be\_released**

decimal

Optional | Amount to released following a financial advice.

**Allowable Values:**

Format: 0.00 | | transaction.**anticipated\_amount**

decimal

Optional | Anticipated amount of the transaction, as provided by the card network. This field applies to anticipated amount verification transactions (AAVTs).

**Allowable Values:**

Format: 0.00 | | transaction.**cash\_back\_amount**

decimal

Optional | The cashback amount requested.

**Allowable Values:**

Format: 0.00 | | transaction.**request\_amount**

decimal

Optional | Merchant-requested amount, including any fees. This includes amount and cashback amount.

**Allowable Values:**

Format: 0.00 | | transaction.**gpa**

object

Optional | Contains information about the GPA balances and pending credits.

**Allowable Values:**

- available\_balance
- balances
- cached\_balance
- credit\_balance
- currency\_code
- impacted\_amount
- last\_updated\_time
- ledger\_balance
- pending\_credits | | transaction.gpa.**ledger\_balance**

decimal

Optional | When using standard funding: The funds that are available to spend immediately, including funds from any authorized transactions that have not yet cleared. When using Just-in-Time (JIT) Funding: Authorized funds that are currently on hold, but not yet cleared.

**Allowable Values:**

Format: 0.00 | | transaction.gpa.**available\_balance**

decimal

Optional | Ledger balance minus any authorized transactions that have not yet cleared. Also known as the cardholder’s purchasing power. When using JIT Funding, this balance is usually equal to \$0.00.

**Allowable Values:**

Format: 0.00 | | transaction.gpa.**impacted\_amount**

decimal

Optional | Balance change based on the amount of the transaction.

**Allowable Values:**

Format: 0.00 | | transaction.**currency\_code**

string

Optional | The three-digit ISO 4217 currency code.

**Allowable Values:**

Valid three-digit ISO 4217 currency code | | transaction.**currency\_conversion**

object

Optional | Contains information from the card network about currency conversion, including the original currency of the transaction, the amount of the transaction in the origination currency, and the conversion rate.

Returned if the transaction involves currency conversion.

**Allowable Values:**

Valid currency\_conversion object | | transaction.currency\_conversion.**original\_amount**

decimal

Optional | Amount of the transaction in the currency in which it originated. Returned if the transaction involves currency conversion.

**Allowable Values:**

Format: 0.00 | | transaction.currency\_conversion.**conversion\_rate**

decimal

Optional | Conversion rate between the origination currency and the settlement currency.

Returned when the transaction currency is different from the origination currency.

**Allowable Values:**

Current conversion rate

**NOTE:** A value of 0 or 1 indicates no conversion; the currencies are the same. | | transaction.currency\_conversion.**original\_currency\_code**

string

Optional | The three-digit ISO 4217 currency code.

**Allowable Values:**

Valid three-digit ISO 4217 currency code | | transaction.**preceding\_related\_transaction\_token**

string

Optional | Returned for final transaction types.

Unique identifier of the preceding related transaction. Useful for identifying the transaction that preceded the current one. For example, authorization, a temporary transaction type, precedes and is completed by authorization.clearing, a final transaction type.

In this case, the authorization token is returned with this field. See Transaction events for details on which transaction types are temporary or final.

**Allowable Values:**

Format: UUID | | transaction.**network**

string

Optional | Indicates which card network was used to complete the transaction.

**Allowable Values:**

VISA, MASTERCARD, PULSE, DISCOVER | | transaction.**subnetwork**

string

Optional | Indicates which subnetwork used to complete the transaction.

**Allowable Values:**

VISANET, VISANETDEBIT, VISAINTERLINK, VISAPLUS, MAESTRO, CIRRUS, MASTERCARDDEBIT | | transaction.**acquirer\_fee\_amount**

decimal

Optional | Indicates the amount of the acquirer fee. Account holders are sometimes charged an acquirer fee for card use at places such as ATMs or fuel dispensers.

**Allowable Values:**

Format: 0.00 | | transaction.**fees**

array of objects

Optional | List of fees associated with the transaction.

This array is returned if it exists in the resource.

**Allowable Values:**

Array of existing fees objects | | transaction.fees\[].**type**

string

Optional | The type of fee assessed by the card network.

**Allowable Values:**

ISSUER\_FEE, SWITCH\_FEE, PINDEBIT\_ASSOC\_FEE, ACQUIRER\_FEE, INTERCHANGE\_FEE, CUR\_CONV\_CARDHOLDER\_FEE, CUR\_CONV\_ISSUER\_FEE, CROSS\_BORDER\_ISSUER\_FEE | | transaction.fees\[].**amount**

decimal

Optional | The amount of the network fee.

**Allowable Values:**

Format: 0.00 | | transaction.fees\[].**credit\_debit**

string

Optional | Indicates whether the fee is a credit or a debit.

- **C** indicates a credit
- **D** indicates a debit

The following table lists the default values for fee types:

Fee Type / Default Value
ISSUER\_FEE / C
SWITCH\_FEE / D
PINDEBIT\_ASSOC\_FEE / D
ACQUIRER\_FEE / D
INTERCHANGE\_FEE / C
CUR\_CONV\_CARDHOLDER\_FEE / D
CUR\_CONV\_ISSUER\_FEE / C
CROSS\_BORDER\_ISSUER\_FEE / C

**Allowable Values:**

C, D | | transaction.**flex**

object

Optional | Contains information about a Flexible Credential transaction.

**Allowable Values:**

action, eligible, eligible\_products, secondary\_credential\_identifier, selected\_product | | transaction.flex.**action**

string

Optional | Indicates whether the Flexible Credential transaction object is actionable (inquiry) or merely informative (advice).

**Allowable Values:**

inquiry, advice | | transaction.flex.**eligible**

string

Optional | Indicates whether the transaction is eligible for Flexible Credential transactions or not.

**Allowable Values:**

true, false | | transaction.flex.**eligible\_products**

array of strings

Optional | Specifies which of the payment instrument’s credentials is eligible for this transaction:

- A value of DEBIT indicates the primary credential.
- A value of LOAN indicates the secondary credential.

**Allowable Values:**

DEBIT, LOAN, DEBIT\_TO\_LOAN | | transaction.flex.**secondary\_credential\_identifier**

string

Optional | Identifies the secondary credential used in the transaction, if applicable.

**Allowable Values:**

255 char max | | transaction.flex.**selected\_product**

string

Optional | Indicates the eligible product that was used in the transaction.

**Allowable Values:**

DEBIT, LOAN | | transaction.**fraud**

object

Optional | Contains one or more fraud determinations by the card network that apply either to the transaction or to the cardholder’s account.

**Allowable Values:**

issuer\_processor, network\_fraud\_view, network\_account\_intelligence\_score | | transaction.fraud.**network**

object

Optional | Contains network-provided information about fraud determinations.

**Allowable Values:**

- account\_risk\_score
- account\_risk\_score\_reason\_code
- transaction\_risk\_score
- transaction\_risk\_score\_reason\_code
- transaction\_risk\_score\_reason\_description | | transaction.**card\_acceptor**

object

Optional | Contains information about the merchant.

**Allowable Values:**

Valid card\_acceptor object | | transaction.card\_acceptor.**mid**

string

Optional | The merchant identifier.

**Allowable Values:**

2–15 chars | | transaction.card\_acceptor.**mcc**

string

Optional | Merchant category code (MCC).

**Allowable Values:**

5 char max | | transaction.card\_acceptor.**name**

string

Optional | Card acceptor’s name.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.**address**

string

Optional | Card acceptor’s address. May be returned if the request uses Transaction Model v1 of the Marqeta Core API. Not returned for Transaction Model v2 requests.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.**city**

string

Optional | Card acceptor’s city.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.**state**

string

Optional | Two-character state, provincial, territorial, or federal abbreviation.

For a complete list of valid abbreviations, see Valid state, provincial, territorial, and federal abbreviations.

**Allowable Values:**

2 char max | | transaction.card\_acceptor.**postal\_code**

string

Optional | Card acceptor’s postal code.

**Allowable Values:**

10 char max | | transaction.card\_acceptor.**country\_code**

string

Optional | Card acceptor’s country code. May be returned if the request uses Transaction Model v2 of the Marqeta Core API. Not returned for Transaction Model v1 requests.

**Allowable Values:**

40 char max | | transaction.card\_acceptor.**poi**

object

Optional | Contains information about the point of sale, including details about how the card was presented.

Returned if provided by the card network, and if the request uses Transaction Model v1 of the Marqeta Core API. Not returned for Transaction Model v2 requests.

**Allowable Values:**

tid, partial\_approval\_capable, cardholder\_presence, card\_presence, pin\_present, special\_condition\_indicator | | transaction.card\_acceptor.poi.**tid**

string

Optional | Card acceptor or terminal identification number.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.poi.**partial\_approval\_capable**

string

Optional | Indicates whether the card acceptor or terminal supports partial-approval transactions.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.poi.**cardholder\_presence**

string

Optional | Indicates whether the cardholder was present during the transaction.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.poi.**card\_presence**

string

Optional | Indicates whether the card was present during the transaction.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.poi.**pin\_present**

string

Optional | Indicates whether the cardholder entered a PIN during the transaction.

**Allowable Values:**

255 char max | | transaction.card\_acceptor.poi.**special\_condition\_indicator**

string

Optional | Indicates a higher-risk operation, such as a quasi-cash or cryptocurrency transaction.

These transactions typically involve non-financial institutions.

**Allowable Values:**

UNSPECIFIED, CRYPTOCURRENCY\_PURCHASE, QUASI\_CASH, DEBT\_PAYMENT, CENTRAL\_BANK\_DIGITAL\_CURRENCY\_PURCHASE, STABLECOIN\_PURCHASE, BLOCKCHAIN\_NATIVE\_TOKEN\_PURCHASE, NON\_FUNGIBLE\_TOKEN\_PURCHASE | | transaction.**account\_funding**

object

Optional | Information used when funding an account.

**Allowable Values:**

Valid account\_funding object | | transaction.account\_funding.**first\_name**

string

Required | Account holder’s first name.

**Allowable Values:**

To pass AVS, must match the first name on record. | | transaction.account\_funding.**last\_name**

string

Optional | Account holder’s last name.

**Allowable Values:**

To pass AVS, must match the last name on record. | | transaction.account\_funding.**receiver\_name**

string

Optional | Recipient’s name.

**Allowable Values:**

To pass AVS, must match the name on record. | | transaction.account\_funding.**funding\_source**

string

Required | Describes the source of the funding.

**Allowable Values:**

CREDIT, DEBIT, PREPAID, DEPOSIT\_ACCOUNT, CASH, MOBILE\_MONEY\_ACCOUNT, NON\_VISA\_CREDIT, CHECK, ACH | | transaction.account\_funding.**receiver\_account\_type**

string

Required | Identifies the account type used for the funding request.

**Allowable Values:**

OTHER, RTN\_BANK\_ACCOUNT, IBAN, CARD\_ACCOUNT, EMAIL, PHONE\_NUMBER, BANK\_ACCOUNT\_NUMBER\_AND\_BANK\_IDENTIFICATION\_CODE, WALLET\_ID, SOCIAL\_NETWORK\_ID | | transaction.account\_funding.**transaction\_purpose**

string

Optional | Identifies the purpose of the transaction.

**Allowable Values:**

- FAMILY\_SUPPORT
- REGULAR\_LABOR\_TRANSFERS
- TRAVEL\_AND\_TOURISM
- EDUCATION
- MEDICAL\_TREATMENT
- EMERGENCY\_NEED
- SAVINGS
- GIFTS
- OTHER
- SALARY
- CROWD\_LENDING
- CRYPTO\_CURRENCY | | transaction.account\_funding.**transaction\_type**

string

Required | Describes the type of transaction.

**Allowable Values:**

ACCOUNT\_TO\_ACCOUNT, PERSON\_TO\_PERSON, WALLET\_TRANSFER, MONEY\_TRANSFER\_BY\_BANK, BUSINESS\_TO\_BUSINESS, DISBURSEMENT, GOVERNMENT\_DISBURSEMENT, GAMBLING\_PAYOUT, LOYALTY, MERCHANT\_DISBURSEMENT, ONLINE\_GAMBLING\_PAYOUT, PENSION\_DISBURSEMENT, PREPAID\_LOADS, CARD\_BILL\_PAYMENT, BILL\_PAYMENT, CASH\_CLAIM, CASH\_IN, CASH\_OUT, MOBILE\_AIR\_TIME\_PAYMENT, MONEY\_TRANSFER\_BY\_MERCHANT, FACE\_TO\_FACE\_MERCHANT\_PAYMENT, GOVERNMENT\_PAYMENT, PAYMENTS\_GOODS\_SERVICES, FUNDS\_TRANSFER, VISA\_ACCEPT, GENERAL\_BUSINESS\_TO\_BUSINESS\_TRANSFER, BUSINESS\_TO\_BUSINESS\_TRANSFER, CASH\_DEPOSIT, PURCHASE\_REPAYMENT, AFT\_OR\_OCT\_ELIGIBILITY, CONSUMER\_BILL\_PAYMENT, REQUEST\_TO\_PAY, LIQUID\_ASSET, FAST\_REFUND, GAMING\_PAYMENT | | transaction.**gpa\_order**

object

Optional | Contains information about a GPA order, including fees, funding sources, and addresses. See GPA Orders for more information.

**Allowable Values:**

Existing gpa\_order object | | transaction.gpa\_order.**amount**

decimal

Required | Amount funded.

**Allowable Values:**

Format: 0.00 | | transaction.gpa\_order.**created\_time**

datetime

Required | Date and time when the GPA order was created, in UTC.

**Allowable Values:**

date-time

**Format:**
yyyy-MM-ddThh:mm:ssZ | | transaction.gpa\_order.**currency\_code**

string

Required | The three-digit ISO 4217 currency code.

**Allowable Values:**

Valid three-digit ISO 4217 currency code | | transaction.gpa\_order.**fees**

array of objects

Optional | List of fees associated with the transaction. This array is returned if it exists in the resource.

**Allowable Values:**

Array of existing fees objects | | transaction.gpa\_order.fees\[].**fee**

object

Required | Contains details about the fee.

**Allowable Values:**

active, amount, created\_time, currency\_code, last\_modified\_time, name, real\_time\_assessment, tags, token | | transaction.gpa\_order.fees\[].fee.**active**

boolean

Required | Indicates whether the fee is active.

**Allowable Values:**

true, false | | transaction.gpa\_order.fees\[].fee.**amount**

decimal

Required | Amount of the fee.

**Allowable Values:**

Format: 0.00 | | transaction.gpa\_order.fees\[].fee.**created\_time**

datetime

Required | Date and time when the fees object was created, in UTC.

**Allowable Values:**

Format: yyyy-MM-ddTHH:mm:ssZ | | transaction.gpa\_order.fees\[].fee.**currency\_code**

string

Required | The three-digit ISO 4217 currency code.

**Allowable Values:**

Valid three-digit ISO 4217 currency code | | transaction.gpa\_order.fees\[].fee.**last\_modified\_time**

datetime

Required | Date and time when the GPA order was last modified, in UTC.

**Allowable Values:**

Format: yyyy-MM-ddTHH:mm:ssZ | | transaction.gpa\_order.fees\[].fee.**name**

string

Required | Name of the fee.

**Allowable Values:**

50 char max | | transaction.gpa\_order.fees\[].fee.**real\_time\_assessment**

object

Optional | Controls the assessment of real-time fees.

**Allowable Values:**

domestic\_enabled, international\_enabled, transaction\_type | | transaction.gpa\_order.fees\[].fee.real\_time\_assessment.**domestic\_enabled**

boolean

Optional | Enables fee assessments for cases in which the origin of the transaction acquirer is inside the US.

**Allowable Values:**

true, false | | transaction.gpa\_order.fees\[].fee.real\_time\_assessment.**international\_enabled**

boolean

Optional | Enables fee assessments for cases in which the origin of the transaction acquirer is outside the US.

**Allowable Values:**

true, false | | transaction.gpa\_order.fees\[].fee.real\_time\_assessment.**transaction\_type**

string

Optional | Indicates the type of transactions for which the fee is assessed.

**Allowable Values:**

authorization, pindebit.atm.withdrawal, pindebit | | transaction.gpa\_order.fees\[].fee.**tags**

string

Optional | Descriptive metadata about the fee.

**Allowable Values:**

255 char max | | transaction.gpa\_order.fees\[].fee.**token**

string

Required | Unique identifier of the fees object.

**Allowable Values:**

Existing fees object token | | transaction.gpa\_order.fees\[].**memo**

string

Optional | Additional text that describes the fee transfer.

**Allowable Values:**

1–99 chars | | transaction.gpa\_order.fees\[].**tags**

string

Optional | Descriptive metadata about the fee.

**Allowable Values:**

255 char max | | transaction.gpa\_order.fees\[].**token**

string

Required | Unique identifier of the fee.

**Allowable Values:**

1–36 chars | | transaction.gpa\_order.fees\[].**transaction\_token**

string

Required | Unique identifier of the fee transaction.

**Allowable Values:**

36 char max | | transaction.gpa\_order.**funding**

object

Required | Contains funding information for the transaction, including funding amount, type, and time of transaction, in UTC.

**Allowable Values:**

amount, gateway\_log, source, source\_address | | transaction.gpa\_order.funding.**amount**

decimal

Optional | Amount of funds loaded into the GPA.

**Allowable Values:**

Format: 0.00 | | transaction.gpa\_order.funding.**gateway\_log**

object

Optional | Contains information from the JIT Funding gateway in response to a funding request.

**Allowable Values:**

duration, message, order\_number, response, timed\_out, transaction\_id | | transaction.gpa\_order.funding.gateway\_log.**duration**

integer

Optional | Length of time taken (in milliseconds) by the gateway to respond to a funding request.

**Allowable Values:**

Any integer | | transaction.gpa\_order.funding.gateway\_log.**message**

string

Required | Message about the status of the funding request. Useful for determining whether it was approved and completed successfully, declined by the gateway, or timed out.

**Allowable Values:**

Approved or completed successfully, Declined by gateway, Operation timeout | | transaction.gpa\_order.funding.gateway\_log.**order\_number**

string

Required | Customer order number, same value as transaction.token.

**Allowable Values:**

Existing transaction.token value | | transaction.gpa\_order.funding.gateway\_log.**timed\_out**

boolean

Optional | Whether the gateway sent a response (true) or timed out (false).

**Allowable Values:**

true, false | | transaction.gpa\_order.funding.gateway\_log.**transaction\_id**

string

Required | Customer-defined identifier for the transaction.

**Allowable Values:**

255 char max | | transaction.gpa\_order.funding.**source**

object

Required | Contains funding source information for the transaction, including the funding type and time of transaction, in UTC.

**Allowable Values:**

active, created\_time, is\_default\_account, last\_modified\_time, token, type | | transaction.gpa\_order.funding.source.**active**

boolean

Required | Whether the funding source is active.

**Allowable Values:**

true, false | | transaction.gpa\_order.funding.source.**created\_time**

datetime

Required | Date and time when the funding source was created, in UTC.

**Allowable Values:**

Format: yyyy-MM-ddTHH:mm:ssZ | | transaction.gpa\_order.funding.source.**is\_default\_account**

boolean

Required | Indicates whether the GPA order unload’s funding source is the default funding account.

**Allowable Values:**

true, false | | transaction.gpa\_order.funding.source.**last\_modified\_time**

datetime

Required | Date and time when the funding source was last modified, in UTC.

**Allowable Values:**

Format: yyyy-MM-ddTHH:mm:ssZ | | transaction.gpa\_order.funding.source.**token**

string

Required | Unique identifier of the funding source.

**Allowable Values:**

Format: UUID | | transaction.gpa\_order.funding.source.**type**

string

Required | Funding type of the funding source.

**Allowable Values:**

ach, paymentcard | | transaction.gpa\_order.funding.**source\_address**

object

Optional | Contains information about the billing address of the funding source.

**Allowable Values:**

- active
- address\_1
- address\_2
- business\_token
- city
- country
- created\_time
- first\_name
- is\_default\_address
- last\_modified\_time
- last\_name
- phone
- postal\_code
- state
- token
- user\_token
- zip | | transaction.gpa\_order.funding.source\_address.**active**

boolean

Optional | Whether the address is active.

**Allowable Values:**

true, false | | transaction.gpa\_order.funding.source\_address.**address\_1**

string

Required | Street address of the funding source.

**Allowable Values:**

255 char max | | transaction.gpa\_order.funding.source\_address.**address\_2**

string

Optional | Additional address information for the funding source.

This field is returned if it exists in the resource.

**Allowable Values:**

255 char max | | transaction.gpa\_order.funding.source\_address.**business\_token**

string

Optional | Unique identifier of the business account holder associated with the address. This field is returned if it exists in the resource. It is required if 'user\_token' is not specified.

**Allowable Values:**

1–36 chars | | transaction.gpa\_order.funding.source\_address.**city**

string

Required | City of the funding source.

**Allowable Values:**

40 char max | | transaction.gpa\_order.funding.source\_address.**country**

string

Required | Country of the funding source.

**Allowable Values:**

1–40 chars | | transaction.gpa\_order.funding.source\_address.**created\_time**

datetime

Required | Date and time when the address was created, in UTC.

**Allowable Values:**

Format: yyyy-MM-ddTHH:mm:ssZ | | transaction.gpa\_order.funding.source\_address.**first\_name**

string

Required | First name of the account holder associated with the funding source.

**Allowable Values:**

40 char max | | transaction.gpa\_order.funding.source\_address.**is\_default\_address**

boolean

Optional | Indicates whether this address is the default address used by the funding source.

**Allowable Values:**

true, false | | transaction.gpa\_order.funding.source\_address.**last\_modified\_time**

datetime

Required | Date and time when the address was last modified, in UTC.

This field is returned if it exists in the resource.

**Allowable Values:**

Format: yyyy-MM-ddTHH:mm:ssZ | | transaction.gpa\_order.funding.source\_address.**last\_name**

string

Required | Last name of the account holder associated with the funding source.

**Allowable Values:**

40 char max | | transaction.gpa\_order.funding.source\_address.**phone**

string

Optional | Phone number of the funding source.

This field is returned if it exists in the resource.

**Allowable Values:**

255 char max | | transaction.gpa\_order.funding.source\_address.**postal\_code**

string

Required | Postal code of the funding source.

**Allowable Values:**

10 char max | | transaction.gpa\_order.funding.source\_address.**state**

string

Required | Two-character state, provincial, territorial, or federal abbreviation.

For a complete list of valid abbreviations, see Valid state, provincial, territorial, and federal abbreviations.

**Allowable Values:**

2 char max | | transaction.gpa\_order.funding.source\_address.**token**

string

Required | Unique identifier of the funding\_source\_address object.

**Allowable Values:**

1–36 chars | | transaction.gpa\_order.funding.source\_address.**user\_token**

string

Optional | Unique identifier of the user account holder associated with the address. This field is returned if it exists in the resource. It is required if 'business\_token' is not specified.

**Allowable Values:**

1–36 chars | | transaction.gpa\_order.funding.source\_address.**zip**

string

Required | United States ZIP code of the funding source.

**Allowable Values:**

10 char max | | transaction.gpa\_order.**funding\_source\_address\_token**

string

Optional | Unique identifier of the funding source address to use for this order.

**Allowable Values:**

Existing funding\_source\_address token | | transaction.gpa\_order.**funding\_source\_token**

string

Required | Unique identifier of the funding source to use for this order.

**Allowable Values:**

Existing funding\_source\_address token | | transaction.gpa\_order.**gateway\_message**

string

Optional | Message about the status of the funding request. Useful for determining whether it was approved and completed successfully, declined by the gateway, or timed out.

This field is returned if it exists in the resource.

**Allowable Values:**

Approved or completed successfully, Declined by gateway,Operation timeout | | transaction.gpa\_order.**gateway\_token**

integer

Optional | Unique identifier of the funding source to use for this order.

**Allowable Values:**

Existing gateway\_token | | transaction.gpa\_order.**jit\_funding**

object

Optional | Contains information about the JIT Funding load event, in which funds are loaded into an account.

**Allowable Values:**

- acting\_user\_token
- address\_verification
- amount
- balances
- business\_token
- decline\_reason
- incremental\_authorization\_jit\_funding\_tokens
- memo
- method
- original\_jit\_funding\_token
- tags
- token
- user\_token | | transaction.gpa\_order.jit\_funding.**amount**

decimal

Required | Requested amount of funding.

**Allowable Values:**

0 min | | transaction.gpa\_order.jit\_funding.**balances**

object

Optional | Contains the GPA’s balance details.

**Allowable Values:**

Existing balances object | | transaction.gpa\_order.jit\_funding.**business\_token**

string

Optional | Holder of the business account that was funded.

**Allowable Values:**

36 char max | | transaction.gpa\_order.jit\_funding.**decline\_reason**

string

Optional | Reason why the transaction was declined.

**Allowable Values:**

INVALID\_AMOUNT, INSUFFICIENT\_FUNDS, TRANSACTION\_NOT\_PERMITTED, SUSPECTED\_FRAUD, AMOUNT\_LIMIT\_EXCEEDED, TRANSACTION\_COUNT\_LIMIT\_EXCEEDED, DUPLICATE\_TRANSACTION, INVALID\_MERCHANT, INVALID\_CARD, NO\_CREDIT\_ACCOUNT, EXPIRED\_CARD, NO\_CHECKING\_ACCOUNT, NO\_SAVINGS\_ACCOUNT, STOP\_PAYMENT, REVOCATION\_AUTHORIZATION\_ORDER, REVOCATION\_ALL\_AUTHORIZATION\_ORDER, SOFT\_DECLINE\_AUTHENTICATION\_REQUIRED, CLOSED\_ACCOUNT, SOFT\_DECLINE\_PIN\_REQUIRED, CARD\_NOT\_ACTIVE, CARDHOLDER\_NOT\_ACTIVE | | transaction.gpa\_order.jit\_funding.**incremental\_authorization\_jit\_funding\_tokens**

array of strings

Optional | Array of tokens referencing the JIT Funding tokens of all previous associated incremental authorization JIT Funding requests. Useful for ascertaining the final transaction amount when the original amount was incremented.

**Allowable Values:**

Existing incremental authorization JIT Funding tokens | | transaction.gpa\_order.jit\_funding.**memo**

string

Optional | Additional information that describes the JIT Funding transaction.

**Allowable Values:**

99 char max | | transaction.gpa\_order.jit\_funding.**method**

string

Required | JIT Funding response type. See The jit\_funding object for the purpose, funding event type, and description of each method.

**Allowable Values:**

pgfs.authorization, pgfs.authorization.clearing, pgfs.authorization.advice, pgfs.authorization.incremental, pgfs.authorization.capture, pgfs.authorization.reversal, pgfs.authorization.cashback, pgfs.balanceinquiry, pgfs.auth\_plus\_capture, pgfs.refund, pgfs.refund.authorization, pgfs.refund.authorization.reversal, pgfs.refund.authorization.clearing, pgfs.force\_capture, pgfs.authorization.capture.chargeback, pgfs.authorization.capture.chargeback.reversal, pgfs.pindebit, pgfs.pindebit.chargeback, pgfs.pindebit.chargeback.reversal, pgfs.pindebit.cashback, pgfs.pindebit.refund, pgfs.pindebit.authorization, pgfs.pindebit.authorization.clearing, pgfs.pindebit.authorization.reversal, pgfs.pindebit.atm.withdrawal, pgfs.pindebit.balanceinquiry, pgfs.pindebit.quasi.cash, pgfs.dispute.credit, pgfs.dispute.debit, pgfs.directdeposit.credit, pgfs.directdeposit.debit, pgfs.directdeposit.credit.reversal, pgfs.directdeposit.debit.reversal, pgfs.adjustment.credit, pgfs.adjustment.debit, pgfs.auth\_plus\_capture.standin, pgfs.authorization.standin, pgfs.network.load, pgfs.original.credit.authorization, pgfs.original.credit.auth\_plus\_capture, pgfs.original.credit.authorization.clearing, pgfs.original.credit.authorization.reversal, pgfs.billpayment, pgfs.billpayment.capture, pgfs.billpayment.reversal, pgfs.atm.withdrawal, pgfs.atm.clearing.withdrawal, pgfs.authorization.quasi.cash, pgfs.authorization.clearing.quasi.cash, pgfs.authorization.account\_verification, pgfs.product.inquiry | | transaction.gpa\_order.jit\_funding.**original\_jit\_funding\_token**

string

Optional | 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 | | transaction.gpa\_order.jit\_funding.**tags**

string

Optional | Customer-defined tags related to the JIT Funding transaction.

**Allowable Values:**

255 char max | | transaction.gpa\_order.jit\_funding.**token**

string

Required | Existing JIT Funding token matching the funding.gateway\_log.transaction\_id field of the associated GPA order. Note that the transaction\_id field updates if a subsequent JIT Funding message associated with that GPA order is sent. If multiple JIT Funding messages are associated with the same GPA order, the transaction\_id field matches the token of the most recent message.

**Allowable Values:**

36 char max | | transaction.gpa\_order.jit\_funding.**user\_token**

string

Required | Holder of the user account that was funded.

**Allowable Values:**

36 char max | | transaction.gpa\_order.**last\_modified\_time**

datetime

Required | Date and time when the fees object was last modified, in UTC.

**Allowable Values:**

date-time

**Format:**
yyyy-MM-ddThh:mm:ssZ | | transaction.gpa\_order.**memo**

string

Optional | Additional descriptive text.

This field is returned if it exists in the resource.

**Allowable Values:**

99 char max | | transaction.gpa\_order.**response**

object

Required | Contains an assertion as to whether the Marqeta platform’s address verification data matches data provided by the cardholder.

**Allowable Values:**

Existing response object | | transaction.gpa\_order.response.**code**

string

Required | Four-digit code corresponding with the outcome of the attempted transaction type.

- 0000 – passed
- 0001 – did not pass

**Allowable Values:**

Four-digit code | | transaction.gpa\_order.response.**memo**

string

Required | Information on the outcome of the attempted transaction type.

**Allowable Values:**

255 char max | | transaction.gpa\_order.response.**additional\_information**

string

Optional | Provides information about the relevant velocity control for the transaction, if applicable.

**Allowable Values:**

The additional\_information field returns a string in the following format: \, cumulative transaction amount is \, where X is the cumulative transaction amount value calculated by Marqeta. For example: 500 max spend per day, cumulative transaction amount is 750. | | transaction.gpa\_order.**state**

string

Required | Current status of the funding transaction.

**Allowable Values:**

PENDING, CLEARED, COMPLETION, DECLINED, ERROR,ALL | | transaction.gpa\_order.**tags**

string

Optional | Comma-delimited list of tags describing the order.

This field is returned if it exists in the resource.

**Allowable Values:**

255 char max | | transaction.gpa\_order.**token**

string

Required | Unique identifier of the GPA order.

**Allowable Values:**

36 char max | | transaction.gpa\_order.**transaction\_token**

string

Required | Unique identifier of the transaction being funded.

**Allowable Values:**

Format: UUID | | transaction.gpa\_order.**user\_token**

string

Optional | Unique identifier of the user resource.

This field is returned if it exists in the resource.

**Allowable Values:**

Existing user resource token | | transaction.**original\_credit**

object

Optional | Contains information about an original credit transaction (OCT), which enables the cardholder to receive funds on the specified card from an external source via the card network.

**Allowable Values:**

Existing original\_credit object | | transaction.original\_credit.**funding\_source**

string

Optional | Describes the source of the funding.

**Allowable Values:**

CREDIT, DEBIT, PREPAID, DEPOSIT\_ACCOUNT, CASH, MOBILE\_MONEY\_ACCOUNT, NON\_VISA\_CREDIT, CHECK, ACH | | transaction.original\_credit.**transaction\_type**

string

Optional | Describes the type of transaction.

**Allowable Values:**

ACCOUNT\_TO\_ACCOUNT, PERSON\_TO\_PERSON, WALLET\_TRANSFER, MONEY\_TRANSFER\_BY\_BANK, BUSINESS\_TO\_BUSINESS, DISBURSEMENT, GOVERNMENT\_DISBURSEMENT, GAMBLING\_PAYOUT, LOYALTY, MERCHANT\_DISBURSEMENT, ONLINE\_GAMBLING\_PAYOUT, PENSION\_DISBURSEMENT, PREPAID\_LOADS, CARD\_BILL\_PAYMENT, BILL\_PAYMENT, CASH\_CLAIM, CASH\_IN, CASH\_OUT, MOBILE\_AIR\_TIME\_PAYMENT, MONEY\_TRANSFER\_BY\_MERCHANT, FACE\_TO\_FACE\_MERCHANT\_PAYMENT, GOVERNMENT\_PAYMENT, PAYMENTS\_GOODS\_SERVICES, FUNDS\_TRANSFER, VISA\_ACCEPT, GENERAL\_BUSINESS\_TO\_BUSINESS\_TRANSFER, BUSINESS\_TO\_BUSINESS\_TRANSFER, CASH\_DEPOSIT, PURCHASE\_REPAYMENT, AFT\_OR\_OCT\_ELIGIBILITY, CONSUMER\_BILL\_PAYMENT, REQUEST\_TO\_PAY, GAMING\_PAYMENT | | transaction.original\_credit.**sender\_account\_type**

string

Optional | The type of account from which the OCT draws funds.

**Allowable Values:**

OTHER, RTN\_BANK\_ACCOUNT, IBAN, CARD\_ACCOUNT, EMAIL, PHONE\_NUMBER, BANK\_ACCOUNT\_NUMBER\_AND\_BANK\_IDENTIFICATION\_CODE, WALLET\_ID, SOCIAL\_NETWORK\_ID | | transaction.original\_credit.**sender\_name**

string

Optional | Full name of the sender.

**Allowable Values:**

255 char max | | transaction.original\_credit.**screening\_score**

string

Optional | Sanctions screening score to assist with meeting Anti-Money Laundering (AML) obligations. Higher scores indicate that the sender’s data more closely resembles an entry on the regulatory watchlist.

A value of 999 means that no screening score is available.

**Allowable Values:**

000-100, 999 | | transaction.**account\_name\_verification**

object

Optional | Contains name verification data: the full name entered by the cardholder, name data held by the Marqeta platform, and an assertion by the Marqeta platform as to whether the two sets of data match.

**Allowable Values:**

on\_file, request, request\_type, response | | transaction.account\_name\_verification.**on\_file**

object

Optional | Contains the name of the cardholder for account name verification.

**Allowable Values:**

first\_name, last\_name, middle\_name | | transaction.account\_name\_verification.on\_file.**first\_name**

string

Optional | First name of the cardholder.

**Allowable Values:**

40 char max | | transaction.account\_name\_verification.on\_file.**last\_name**

string

Optional | Last name of the cardholder.

**Allowable Values:**

40 char max | | transaction.account\_name\_verification.on\_file.**middle\_name**

string

Optional | Middle name of the cardholder.

**Allowable Values:**

40 char max | | transaction.account\_name\_verification.**request**

object

Optional | Contains the name of the cardholder for account name verification.

**Allowable Values:**

first\_name, last\_name, middle\_name | | transaction.account\_name\_verification.request.**first\_name**

string

Optional | First name of the cardholder.

**Allowable Values:**

40 char max | | transaction.account\_name\_verification.request.**last\_name**

string

Optional | Last name of the cardholder.

**Allowable Values:**

40 char max | | transaction.account\_name\_verification.request.**middle\_name**

string

Optional | Middle name of the cardholder.

**Allowable Values:**

40 char max | | transaction.account\_name\_verification.**request\_type**

string

Optional | *(Mastercard only)* Indicates the type of authentication request.

**Allowable Values:**

SENDER, RECEIVER | | transaction.account\_name\_verification.**response**

object

Optional | Contains an assertion as to whether the Marqeta platform’s address verification data matches data provided by the cardholder.

**Allowable Values:**

Existing response object | | transaction.account\_name\_verification.response.**code**

string

Required | Four-digit code corresponding with the outcome of the attempted transaction type.

For account name verification, the four digits correspond with assertions that the first, middle, last, and full name of the cardholder on the Marqeta platform match the data provided by the cardholder. 0 indicates no validation was performed, 1 indicates the match was unsuccessful (unmatched), 2 indicates the match was partial, and 3 indicates the match was exact. For example:

Code / First Name / Middle Name / Last Name / Full Name
0000 / Not validated / Not validated / Not validated / Not validated
1111 / Unmatched / Unmatched / Unmatched / Unmatched
3333 / Exact match / Exact match / Exact match / Exact match
1232 / Unmatched / Partial match / Exact match / Partial match

**Allowable Values:**

Four-digit code | | transaction.account\_name\_verification.response.**memo**

string

Required | Information on the outcome of the attempted transaction type.

**Allowable Values:**

255 char max | | transaction.account\_name\_verification.response.**additional\_information**

string

Optional | Provides information about the relevant velocity control for the transaction, if applicable.

**Allowable Values:**

The additional\_information field returns a string in the following format: \, cumulative transaction amount is \, where X is the cumulative transaction amount value calculated by Marqeta. For example: 500 max spend per day, cumulative transaction amount is 750. | | transaction.**address\_verification**

object

Optional | Contains address verification data: the postal code and street address 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:**

on\_file, request, response | | transaction.address\_verification.**on\_file**

object

Optional | Contains the address of the cardholder for account address verification.

**Allowable Values:**

postal\_code, street\_address | | transaction.address\_verification.on\_file.**postal\_code**

string

Optional | Postal code of the cardholder.

**Allowable Values:**

10 char max | | transaction.address\_verification.on\_file.**street\_address**

string

Optional | Street address of the cardholder.

**Allowable Values:**

255 char max | | transaction.address\_verification.**request**

object

Optional | Contains the address of the cardholder for account address verification.

**Allowable Values:**

postal\_code, street\_address | | transaction.address\_verification.request.**postal\_code**

string

Optional | Postal code of the cardholder.

**Allowable Values:**

10 char max | | transaction.address\_verification.request.**street\_address**

string

Optional | Street address of the cardholder.

**Allowable Values:**

255 char max | | transaction.address\_verification.**response**

object

Optional | Contains an assertion as to whether the Marqeta platform’s address verification data matches data provided by the cardholder.

**Allowable Values:**

Existing response object | | transaction.address\_verification.response.**code**

string

Required | Four-digit code corresponding with the outcome of the attempted transaction type.

For address verification responses, the code is an assertion by the Marqeta platform as to whether its address verification data matches that provided by the cardholder:

Code / Address / Postal Code
0000 / Match / Match
0001 / Match / Unmatched
0100 / Unmatched / Match
0101 / Unmatched / Unmatched
0200 / Data not present / Match
0201 / Data not present / Unmatched
0002 / Match / Data not present
0102 / Unmatched / Data not present
0303 / Not validated / Not validated

**Allowable Values:**

Four-digit code | | transaction.address\_verification.response.**memo**

string

Required | Information on the outcome of the attempted transaction type.

**Allowable Values:**

255 char max | | transaction.address\_verification.response.**additional\_information**

string

Optional | Provides information about the relevant velocity control for the transaction, if applicable.

**Allowable Values:**

The additional\_information field returns a string in the following format: \, cumulative transaction amount is \, where X is the cumulative transaction amount value calculated by Marqeta. For example: 500 max spend per day, cumulative transaction amount is 750. |

International card transactions and currency conversion

With Simulations 2.0, you can simulate international card transactions based on currency and location.

Authorization events with currency conversion

You can add currency conversion when simulating an `authorization`-type transaction by including the `currency_conversion` object and related details in a `POST` request to the `/simulations/cardtransactions/authorization` endpoint. For information about the `/simulations/cardtransactions/authorization` endpoint, see [Simulate authorization](/core-api/simulations-card-transactions/#authorization_event). The following example shows an `authorization`-type transaction, with currency conversion, for a United States card transacting in the United Kingdom. See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 37.50, "card_acceptor": { "mid": "11111" }, "network": "VISA", "currency_conversion": { "original_amount": 30.00, "conversion_rate": 1.25, "original_currency_code": "GBP" } } ``` See the full response body structure at [Response body](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization", "state": "PENDING", "token": "**CURRENCY_AUTHORIZATION_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": 0, "memo": "Approved or completed successfully" }, "created_time": "2022-12-06T21:39:43.000Z", "user_transaction_time": "2022-12-06T21:39:43.000Z", "settlement_date": "2022-12-06T00:00:00.000Z", "amount": 37.50, "gpa": { "ledger_balance": 250.00, "available_balance": 212.25, "impacted_amount": -37.50 }, "currency_code": "USD", "currency_conversion": { "original_amount": 30.00, "conversion_rate": 1.25, "original_currency_code": 826 }, "network": "VISA", "subnetwork": "VISANET", "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL" } } } ```

Clearing events with currency conversion

You can add currency conversion when simulating an `authorization.clearing`-type transaction by including the `currency_conversion` object and related details in a `POST` request to the `/simulations/cardtransactions/authorization.clearing` endpoint. For more information about the `/simulations/cardtransactions/authorization.clearing` endpoint, see [Simulate authorization clearing](/core-api/simulations-card-transactions/#authorization_clearing_event). The following example shows an `authorization.clearing`-type transaction, with currency conversion, for a United States card in the United Kingdom. See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "amount": 37.50, "currency_conversion": { "original_amount": 30.00, "conversion_rate": 1.25, "original_currency_code": "GBP" } } ``` See the full response body structure at [Response body](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.clearing", "state": "COMPLETION", "token": "**AUTHORIZATION_CLEARING_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": 0, "memo": "Approved or completed successfully" }, "created_time": "2022-12-06T21:41:48Z", "user_transaction_time": "2022-12-06T21:39:43Z", "settlement_date": "2022-12-06T00:00:00Z", "amount": 37.50, "gpa": { "ledger_balance": 212.25, "available_balance": 212.25, "impacted_amount": -37.50 }, "currency_code": "USD", "currency_conversion": { "original_amount": 30.00, "conversion_rate": 1.25, "original_currency_code": 826 }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Card Acceptor Name", "city": "Seattle", "state": "WA", "country_code": "USA" } } } ```

Transactions with Account Name Inquiry

Account Name Inquiry (ANI) is an account verification feature that is supported by both the Mastercard and Visa card networks. You can simulate the ANI feature with Simulations 2.0. For more information about ANI, see [About Account Name Inquiry](/developer-guides/account-name-inquiry/). You can add account name verification when simulating an `authorization` transaction by including the `account_name_verification` object and related details in a `POST` request to the `/simulations/cardtransactions/authorization` endpoint. For information about the `/simulations/cardtransactions/authorization` endpoint, see [Simulate authorization](/core-api/simulations-card-transactions/#authorization_event).

ANI for Visa

The following example shows an `authorization` transaction, with account name verification, for the Visa network. See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": "0", "card_acceptor": { "mid": "11111" }, "network": "VISA", "account_name_verification": { "request": { "first_name": "first", "middle_name": "middle", "last_name": "last" } } } ``` See the full response body structure at [Response body](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization", "state": "CLEARED", "token": "53f14f73-f830-4086-9ec6-f84ca5a30da9", "user_token": "89d9f7fb-f373-49a1-b28c-85539b1d0ca3", "card_token": "5ab74159-6346-4100-9959-c691c14b2e02", "response": { "code": "1830", "memo": "Card account verification success" }, "created_time": "2024-02-12T20:04:25Z", "user_transaction_time": "2024-02-12T20:04:25Z", "settlement_date": "2024-02-12T00:00:00Z", "amount": "0.00", "request_amount": "0.00", "gpa": { "ledger_balance": "100.00", "available_balance": "100.00" }, "currency_code": "USD", "currency_conversion": { "original_amount": "0.00", "conversion_rate": 1.0, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": "0", "fraud": { "network": { "transaction_risk_score": 29, "account_risk_score": "3" } }, "card_acceptor": { "mid": "000000000011111", "poi": { "tid": "TR100000", "partial_approval_capable": "0", "cardholder_presence": "0", "card_presence": "0", "channel": "OTHER", "processing_type": "MAGSTRIPE", "pin_present": "false" } }, "original_credit": {}, "account_name_verification": { "on_file": { "first_name": "First", "last_name": "Last", "middle_name": "Middle" }, "request": { "first_name": "first", "last_name": "last", "middle_name": "middle" }, "response": { "code": "3333", "memo": "First name match; Middle name match; Last name match; Full name match" } } } } ```

ANI for Mastercard

The following example shows an `authorization` transaction, with account name verification, for the Mastercard network. See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": "0", "card_acceptor": { "mid": "11111" }, "network": "MASTERCARD", "account_name_verification": { "request": { "first_name": "first", "middle_name": "middle", "last_name": "last" }, "request_type": "SENDER" } } ``` See the full response body structure at [Response body](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization", "state": "CLEARED", "token": "044b9543-b7a0-4195-abf8-357f3b67444e", "user_token": "89d9f7fb-f373-49a1-b28c-85539b1d0ca3", "card_token": "5ab74159-6346-4100-9959-c691c14b2e02", "response": { "code": "1830", "memo": "Card account verification success" }, "created_time": "2024-02-12T20:06:48Z", "user_transaction_time": "2024-02-12T20:06:48Z", "settlement_date": "2024-02-12T00:00:00Z", "amount": "0.00", "request_amount": "0.00", "gpa": { "ledger_balance": "100.00", "available_balance": "100.00" }, "currency_code": "USD", "currency_conversion": { "original_amount": "0.00", "conversion_rate": 1.0, "original_currency_code": "840" }, "network": "MASTERCARD", "acquirer_fee_amount": "0", "fraud": { "network": { "transaction_risk_score": 1, "transaction_risk_score_reason_code": "14", "transaction_risk_score_reason_description": "Suspicious grocery store activity" } }, "card_acceptor": { "mid": "000000000011111", "poi": { "tid": "TR100000", "partial_approval_capable": "0", "cardholder_presence": "0", "card_presence": "1", "channel": "OTHER", "processing_type": "MAGSTRIPE", "pin_present": "false" } }, "original_credit": {}, "account_name_verification": { "on_file": { "first_name": "First", "last_name": "Last", "middle_name": "Middle" }, "request": { "first_name": "first", "last_name": "last", "middle_name": "middle" }, "response": { "code": "0003", "memo": "Full name match" } } } } ```

Transactions with Visa Flexible Credential

The Visa Flexible Credential (VFC) feature allows cardholders to use their debit card for Buy Now, Pay Later (BNPL) credit transactions when you approve that transaction from your Just-in-Time Funding Gateway. By integrating VFC in your program, a single card product can toggle between debit and credit payment methods based on each transaction, bringing multiple funding sources to a single card. You can simulate VFC transactions for `authorization`, `authorization.reversal`, `authorization.incremental`, and `refund.authorization transaction` by including the flex object and related details in a `POST` request to the following endpoints: * `/simulations/cardtransactions/authorization` * `/simulations/cardtransactions/authorization.reversal` * `/simulations/cardtransactions/authorization.incremental` * `/simulations/cardtransactions/refund.authorization` For information about the `/simulations/cardtransactions/*` endpoints, see Simulate authorization.

Authorization Transaction with VFC

The following example shows an authorization transaction with VFC for the Visa network.

Sample request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body). ```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": "0", "card_acceptor": { "mid": "11111" }, "network": "VISA", "flex": { "eligible": true, "eligible_products": ["DEBIT_TO_LOAN"] } } ```

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization", "state": "PENDING", "token": "**TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-08-18T22:36:10Z", "user_transaction_time": "2025-08-18T22:36:10Z", "settlement_date": "2025-08-18T00:00:00Z", "amount": "1.00", "anticipated_amount": "10.50", "request_amount": "1.00", "gpa": { "ledger_balance": "239.01", "available_balance": "0.00", "impacted_amount": "-1.00" }, "currency_code": "USD", "currency_conversion": { "original_amount": "1.00", "conversion_rate": 1.0, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": "0", "flex": { "eligible": "true", "selected_product": "DEBIT" }, "fraud": { "network": { "transaction_risk_score": 34, "account_risk_score": "1" } }, "card_acceptor": { "mid": "000000000011111", "poi": { "tid": "TR100000", "partial_approval_capable": "0", "cardholder_presence": "0", "card_presence": "0", "channel": "OTHER", "processing_type": "MANUAL", "pin_present": "false" } }, "gpa_order": { "amount": "1.00", "created_time": "2025-08-18T22:36:10Z", "currency_code": "USD", "funding": { "amount": "1.00", "gateway_log": { "duration": 5, "message": "Approved or completed successfully", "order_number": "f1df3bf5-521f-f4r4-b063-bce75fd7bbef", "timed_out": false, "transaction_id": "eerewaee-9575-4653-te5a-fef5806b9872" }, "source": { "active": true, "created_time": "2025-08-05T17:15:25Z", "is_default_account": false, "last_modified_time": "2025-08-05T17:15:25Z", "token": "**********2a6a", "type": "programgateway" } }, "funding_source_token": "**********xxxx", "jit_funding": { "amount": "1.00", "balances": {}, "method": "pgfs.authorization", "token": "e5bcfaee-9575-4653-883a-fe4re06b9872", "user_token": "3be8da9f-c5db-4052-803d-grewd976f8fb" }, "last_modified_time": "2025-08-18T22:36:10Z", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "state": "PENDING", "token": "3er4430f-6e5e-41b0-b36f-339aea027818", "transaction_token": "41e45761-0a5c-46d8-bee1-dc667cfe323a", "user_token": "3be8da9f-vf45-4052-803d-9fec9976f8fb" }, "original_credit": {} } } ``` For more information about how to incorporate Visa Flexible Credential support in your program, contact your Marqeta representative.

Simulate authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization` Authorization is the process of confirming whether a card is valid, business rules are met, and funds are sufficient, and then placing a temporary hold on those funds. Use this endpoint to simulate an `authorization` type transaction by including the `card_token` and other authorization details in your request. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See [Authorization Event](/core-api/simulations-card-transactions/#authorization_event).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization", "state": "PENDING", "token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2024-12-06T21:39:43Z", "user_transaction_time": "2024-12-06T21:39:43Z", "settlement_date": "2024-12-06T00:00:00Z", "amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": 840 }, "network": "VISA", "subnetwork": "VISANET", "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL" } } } ```

Simulate authorization advice

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.advice` Authorization advice allows an amount to be decreased after the authorization. This endpoint allows you to simulate post-swipe adjustments. Simulate an `authorization.advice` transaction by including the `preceding_related_transaction_token` and other authorization details in your request. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.advice", "state": "PENDING", "token": "**AUTHORIZATION_ADVICE_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T18:25:28Z", "user_transaction_time": "2025-03-07T18:25:22Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 46, "account_risk_score": "9" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate authorization clearing

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.clearing` Clearing is the process of finalizing the hold on funds and posting the transaction on the cardholder’s account. This process is triggered by the merchant’s capture request. This endpoint simulates an `authorization.clearing` type transaction by including the `preceding_related_transaction_token` and `amount` in your request. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See [Authorization Clearing Event](/core-api/simulations-card-transactions/#authorization_clearing_event).

Sample request body

```json JSON lines wrap theme={null} { "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "amount": 10 } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.clearing", "state": "COMPLETION", "token": "**AUTHORIZATION_CLEARING_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2024-12-06T21:41:48Z", "user_transaction_time": "2024-12-06T21:39:43Z", "settlement_date": "2024-12-06T00:00:00Z", "amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": 826 }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Card Acceptor Name", "city": "St. Petersburg", "state": "FL", "country_code": "USA" } } } ```

Simulate authorization reversal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.reversal` A reversal releases the hold that was placed on account funds by an authorization, thus returning the funds to the account. This endpoint simulates an `authorization.reversal` type transaction by including the `original_transaction_token` and `amount` in your request. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "amount": 10 } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.reversal", "state": "CLEARED", "token": "**AUTHORIZATION_REVERSAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully", "created_time": "2025-03-23T19:46:23Z", "user_transaction_time": "2025-03-23T19:46:20Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 16, "account_risk_score": "4" } }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } } ```

Simulate incremental authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.incremental` Use this endpoint to simulate incremental authorization transactions. An incremental authorization is a request to add an additional dollar amount to an ongoing prior authorization. This type of transaction enables you to increase the final amount authorized as conditions change or additional charges accrue. A common use case is adding the gratuity (an incremental authorization) to the original total (a prior authorization) of a restaurant bill. For this use case, you use two endpoints: one to create the authorization, and another to increment it. * Create the authorization using the `/simulations/cardtransactions/authorization` endpoint:\ **Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization` - Increment the authorization using the `/simulations/cardtransactions/authorization.incremental` endpoint:\ **Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.incremental` You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 5, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.incremental", "state": "PENDING", "token": "**AUTHORIZATION_INCREMENTAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-02-22T18:10:12Z", "user_transaction_time": "2025-02-22T18:10:12Z", "settlement_date": "2025-02-22T00:00:00Z", "amount": 5, "request_amount": 5, "gpa": { "ledger_balance": 250, "available_balance": 220, "impacted_amount": -5 }, "currency_code": "USD", "currency_conversion": { "original_amount": 5, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate authorization cash back

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.cashback` Use this endpoint to simulate `authorization.cashback` transactions, which covers authorization for cash back requested at a point-of-sale terminal. This simulation can be used to test dual-message cash back transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" }, "network": "VISA", "cash_back_amount": 10 } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.cashback", "state": "PENDING", "token": "**AUTHORIZATION_CASHBACK_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T19:43:43Z", "user_transaction_time": "2025-03-23T19:43:43Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 20, "cash_back_amount": 10, "request_amount": 20, "gpa": { "ledger_balance": 250, "available_balance": 230, "impacted_amount": -20 }, "currency_code": "USD", "currency_conversion": { "original_amount": 20, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 85, "account_risk_score": "3" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate ATM withdrawal authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.atm.withdrawal` Use this endpoint to simulate `authorization.atm.withdrawal` transactions. In the EU, this includes authorization for withdrawing cash at an ATM. In the US, this event indicates that the cardholder got cash from a bank teller rather than an ATM. This simulation can be used to test dual-message ATM withdrawal transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.atm.withdrawal", "state": "PENDING", "token": "**AUTHORIZATION_ATM_WITHDRAWAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T22:14:46Z", "user_transaction_time": "2025-03-23T22:14:46Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 44, "account_risk_score": "4" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate ATM withdrawal authorization clearing

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.clearing.atm.withdrawal` Use this endpoint to simulate `authorization.clearing.atm.withdrawal` transactions, which completes an authorization for withdrawing cash at an ATM. This simulation can be used to test dual-message ATM withdrawal transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.clearing.atm.withdrawal", "state": "COMPLETION", "token": "**AUTHORIZATION_CLEARING_ATM_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T22:18:31Z", "user_transaction_time": "2025-03-23T22:18:31Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "amount_to_be_released": 0, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705", "country_code": "USA" } } } ```

Simulate quasi-cash authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.quasi.cash` Use this endpoint to simulate `authorization.quasi.cash` transactions. This is for authorization at a point-of-sale terminal for items equivalent to cash, such as traveler’s checks, money orders, foreign currency, or gaming chips. This simulation can be used to test dual-message quasi-cash transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.quasi.cash", "state": "PENDING", "token": "**AUTHORIZATION_QUASI_CASH_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T22:32:51Z", "user_transaction_time": "2025-03-23T22:32:51Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 17, "account_risk_score": "6" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate quasi-cash authorization clearing

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/authorization.clearing.quasi.cash` Use this endpoint to simulate `authorization.clearing.quasi.cash` transactions, which completes an authorization at a point-of-sale terminal for items equivalent to cash, such as traveler’s checks, money orders, foreign currency, or gaming chips. This simulation can be used to test dual-message quasi-cash transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "authorization.clearing.quasi.cash", "state": "COMPLETION", "token": "**AUTHORIZATION_CLEARING_QUASI_CASH_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T22:34:18Z", "user_transaction_time": "2025-03-23T22:34:18Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "amount_to_be_released": 0, "request_amount": 10, "gpa": { "ledger_balance": 80, "available_balance": 80, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705", "country_code": "USA" } } } ```

Simulate AFT authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/account.funding.authorization` Use this endpoint to simulate Account Funding Transactions (AFTs) using `account.funding.authorization`. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "network": "VISA", "account_funding": { "transaction_type": "ACCOUNT_TO_ACCOUNT", "funding_source": "CREDIT", "receiver_account_type": "CARD_ACCOUNT", "first_name": "FirstName", "last_name": "LastName" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "account.funding.authorization", "state": "PENDING", "token": "**ACCOUNT_FUNDING_AUTHORIZATION_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-01-19T00:03:48Z", "user_transaction_time": "2025-01-19T00:03:48Z", "settlement_date": "2025-01-19T00:00:00Z", "amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": 840 }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "card_acceptor": { "mid": "000984172732880", "mcc": 4829, "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": 33705 }, "account_funding": { "receiver_name": "FirstName LastName", "funding_source": "CREDIT", "transaction_type": "ACCOUNT_TO_ACCOUNT" }, "original_credit": { "funding_source": "CREDIT", "transaction_type": "ACCOUNT_TO_ACCOUNT" } } } ```

Simulate AFT authorization clearing

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/account.funding.authorization.clearing` Use this endpoint to simulate `account.funding.authorization.clearing` transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "account.funding.authorization.clearing", "state": "COMPLETION", "token": "**ACCOUNT_FUNDING_AUTHORIZATION_CLEARING_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2024-12-06T21:47:21Z", "user_transaction_time": "2024-12-06T21:45:57Z", "settlement_date": "2024-12-06T00:00:00Z", "amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": 840 }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "card_acceptor": { "mid": "000984172732880", "mcc": "4829", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "country_code": "USA" } } } ```

Simulate AFT authorization reversal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/account.funding.authorization.reversal` Use this endpoint to simulate `account.funding.authorization.reversal` transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "account.funding.authorization.reversal", "state": "CLEARED", "token": "**ACCOUNT_FUNDING_AUTHORIZATION_REVERSAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T21:31:40Z", "user_transaction_time": "2025-03-23T21:31:37Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 44, "account_risk_score": "2" } }, "card_acceptor": { "mid": "000984172732880", "mcc": "4829", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate AFT authorization and capture

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/account.funding.auth_plus_capture` Use this endpoint to simulate `account.funding.auth_plus_capture` transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "network": "VISA", "account_funding": { "transaction_type": "ACCOUNT_TO_ACCOUNT", "funding_source": "CREDIT", "receiver_account_type": "CARD_ACCOUNT", "first_name": "FirstName", "last_name": "LastName" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "account.funding.auth_plus_capture", "state": "COMPLETION", "token": "**ACCOUNT_FUNDING_AUTH_PLUS_CAPTURE_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-04-05T20:23:33Z", "user_transaction_time": "2025-04-05T20:23:33Z", "settlement_date": "2025-04-05T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 15, "account_risk_score": "3" } }, "card_acceptor": { "mid": "000984172732880", "mcc": "4829", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" }, "account_funding": { "receiver_name": "fName lName", "funding_source": "CREDIT", "transaction_type": "ACCOUNT_TO_ACCOUNT" }, "original_credit": { "funding_source": "CREDIT", "transaction_type": "ACCOUNT_TO_ACCOUNT" } } } ```

Simulate AFT authorization and capture reversal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/account.funding.auth_plus_capture.reversal` Use this endpoint to simulate `account.funding.auth_plus_capture.reversal` transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "account.funding.auth_plus_capture.reversal", "state": "COMPLETION", "token": "**ACCOUNT_FUNDING_AUTH_PLUS_CAPTURE_REVERSAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-04-05T20:59:47Z", "user_transaction_time": "2025-04-05T20:59:38Z", "settlement_date": "2025-04-05T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 28, "account_risk_score": "1" } }, "card_acceptor": { "mid": "000984172732880", "mcc": "4829", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate refund

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/refund` Use this endpoint to simulate an offline refund. Refunds are not associated with a token, so a `preceding_related_transaction_token` is not needed. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "refund", "state": "COMPLETION", "token": "**REFUND_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T21:46:29Z", "user_transaction_time": "2025-03-07T21:46:29Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "card_acceptor": { "mid": "11111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705", "country_code": "USA" } } } ```

Simulate refund authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/refund.authorization` Online refund refers to the `refund.authorization` messages that Visa and Mastercard merchants can send to card issuers. These refund authorizations allow merchants to notify customers of a pending refund and give card issuers the opportunity to decline a refund. Like purchase authorizations, refund authorizations are eventually cleared or completed by a `refund.authorization.clearing` event. That refund authorization clearing is automatically accepted and processed by the Marqeta platform, regardless of your funding model. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "network": "VISA", "card_acceptor": { "mid": "11111" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "refund.authorization", "state": "PENDING", "token": "**REFUND_AUTHORIZATION_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T21:48:48Z", "user_transaction_time": "2025-03-07T21:48:48Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 22, "account_risk_score": "2" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate refund authorization reversal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/refund.authorization.reversal` Use this endpoint to reject `refund.authorization` transactions for online refunds. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "refund.authorization.reversal", "state": "CLEARED", "token": "**REFUND_AUTHORIZATION_REVERSAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T21:52:59Z", "user_transaction_time": "2025-03-07T21:52:28Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 13, "account_risk_score": "4" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate refund authorization clearing

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/refund.authorization.clearing` Use this endpoint to simulate online refund clearing. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "refund.authorization.clearing", "state": "COMPLETION", "token": "**REFUND_AUTHORIZATION_CLEARING_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T21:54:58Z", "user_transaction_time": "2025-03-07T21:54:58Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705", "country_code": "USA" } } } ```

Simulate PIN-debit

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit` Use this endpoint to simulate transactions using network debit rails. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "network": "VISA", "card_acceptor": { "mid": "11111" }, "card_options": { "pin": "6011" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit", "state": "COMPLETION", "token": "**PINDEBIT_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN", "card_token": "**CARD_TOKEN", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-14T18:03:15Z", "user_transaction_time": "2025-03-14T18:03:15Z", "settlement_date": "2025-03-14T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 72, "account_risk_score": "9" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit reversal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.reversal` Use this endpoint to simulate transactions using network debit rails. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**PINDEBIT_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.reversal", "state": "CLEARED", "token": "**PINDEBIT_REVERSAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN", "card_token": "**CARD_TOKEN", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-09-19T16:12:59Z", "user_transaction_time": "2025-09-19T16:12:47Z", "settlement_date": "2025-09-19T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**PINDEBIT_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 75, "account_risk_score": "2" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "5542", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.authorization` Use this endpoint to simulate PIN-debit authorization transactions. The typical use case for dual-message PIN-debit transactions is automated fuel dispenser transactions. The pump sends an initial authorization message to the card issuer. When fueling completes, a clearing message is sent with the final amount. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "network": "VISA", "card_acceptor": { "mid": "11111" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.authorization", "state": "PENDING", "token": "**PINDEBIT_AUTHORIZATION_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN", "card_token": "**CARD_TOKEN", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T18:09:02Z", "user_transaction_time": "2025-03-07T18:09:02Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 87, "account_risk_score": "7" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "5542", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit authorization clearing

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.authorization.clearing` Use this endpoint to clear `pindebit.authorization` transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.authorization.clearing", "state": "COMPLETION", "token": "**PINDEBIT_AUTHORIZATION_CLEARING_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN", "card_token": "**CARD_TOKEN", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-02-22T18:08:16Z", "user_transaction_time": "2025-02-22T18:08:15Z", "settlement_date": "2025-02-22T00:00:00Z", "amount": 10, "amount_to_be_released": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "card_acceptor": { "mid": "000000000011111", "mcc": "5542", "country_code": "USA" } } } ```

Simulate PIN-debit authorization reversal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.authorization.reversal` Use this endpoint to reverse `pindebit.authorization` transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.authorization.reversal", "state": "CLEARED", "token": "**PINDEBIT_AUTHORIZATION_REVERSAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN", "card_token": "**CARD_TOKEN", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T18:12:39Z", "user_transaction_time": "2025-03-07T18:12:34Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 250, "available_balance": 250, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 75, "account_risk_score": "2" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "5542", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit cash back

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.cashback` Simulate a PIN-debit transaction for cash back requested at a point-of-sale terminal. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "cash_back_amount": 5, "card_acceptor": { "mid": "11111" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.cashback", "state": "COMPLETION", "token": "**PINDEBIT_CASHBACK_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN", "card_token": "**CARD_TOKEN", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T18:13:49Z", "user_transaction_time": "2025-03-07T18:13:49Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 15, "cash_back_amount": 5, "request_amount": 15, "gpa": { "ledger_balance": 235, "available_balance": 235, "impacted_amount": -15 }, "currency_code": "USD", "currency_conversion": { "original_amount": 15, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 66, "account_risk_score": "5" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit refund

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.refund` Use this endpoint to simulate a PIN-debit transaction refund. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.refund", "state": "COMPLETION", "token": "**PINDEBIT_REFUND_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN", "card_token": "**CARD_TOKEN", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T18:15:15Z", "user_transaction_time": "2025-03-07T18:15:15Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 260, "available_balance": 260, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 77, "account_risk_score": "7" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit ATM withdrawal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.atm.withdrawal` Use this endpoint to simulate a cash withdrawal at an ATM. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "cash_back_amount": 10, "card_acceptor": { "mid": "11111" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.atm.withdrawal", "state": "COMPLETION", "token": "**PINDEBIT_ATM_WITHDRAWAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-07T18:16:25Z", "user_transaction_time": "2025-03-07T18:16:25Z", "settlement_date": "2025-03-07T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 90, "account_risk_score": "1" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit balance inquiry

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.balanceinquiry` Use this endpoint to simulate a balance inquiry via the card network. This is a non-financial transaction. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "account_type": "savings", "card_acceptor": { "mid": "11111", "partial_approval_capable": "true" }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.balanceinquiry", "state": "CLEARED", "token": "**PINDEBIT_BALANCEINQUIRY_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-02-22T18:08:39Z", "user_transaction_time": "2025-02-22T18:08:39Z", "settlement_date": "2025-02-22T00:00:00Z", "amount": 0, "request_amount": 0, "gpa": { "ledger_balance": 250, "available_balance": 250 }, "currency_code": "USD", "currency_conversion": { "original_amount": 0, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 93, "account_risk_score": "1" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate PIN-debit quasi-cash

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/pindebit.quasi.cash` Use this endpoint to simulate `pindebit.quasi.cash` transactions. This PIN-debit transaction occurs at a point-of-sale terminal for items equivalent to cash, such as traveler’s checks, money orders, foreign currency, or gaming chips. This simulation can be used to test single-message cash back transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "pindebit.quasi.cash", "state": "COMPLETION", "token": "**PINDEBIT_QUASI_CASH_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T22:30:08Z", "user_transaction_time": "2025-03-23T22:30:08Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 69, "account_risk_score": "8" } }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate OCT authorization

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/original.credit.authorization` Use this endpoint to simulate `original.credit.authorization` transactions. This is for original credit transaction (OCT) authorization for disbursing funds to a credit card. This simulation can be used to test dual-message OCT transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "card_token": "**CARD_TOKEN**", "card_acceptor": { "mid": "11111" } } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "original.credit.authorization", "state": "PENDING", "token": "**ORIGINAL_CREDIT_AUTHORIZATION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T23:19:25Z", "user_transaction_time": "2025-03-23T23:19:25Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 83, "account_risk_score": "5" } }, "card_acceptor": { "mid": "000000000001234", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate OCT authorization clearing

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/original.credit.authorization.clearing` Use this endpoint to simulate `original.credit.authorization.clearing` transactions, which completes an original credit transaction (OCT) authorization. This simulation can be used to test dual-message OCT transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "original.credit.authorization.clearing", "state": "CLEARED", "token": "**ORIGINAL_CREDIT_AUTHORIZATION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T23:25:44Z", "user_transaction_time": "2025-03-23T23:19:25Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 1, "account_risk_score": "7" } }, "card_acceptor": { "mid": "000000000001234", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate OCT authorization and capture

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/original.credit.auth_plus_capture` Use this endpoint to simulate `original.credit.auth_plus_capture` transactions for single-message original credit transaction (OCT) for disbursing funds to a credit card. This simulation can be used to test single-message OCT transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 10, "card_acceptor": { "mid": "11111" }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "original.credit.auth_plus_capture", "state": "COMPLETION", "token": "**ORIGINAL_CREDIT_AUTH_PLUS_CAPTURE_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T23:28:03Z", "user_transaction_time": "2025-03-23T23:28:03Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 240, "available_balance": 240, "impacted_amount": 10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANETDEBIT", "acquirer_fee_amount": 0, "fraud": { "network": { "transaction_risk_score": 50, "account_risk_score": "7" } }, "card_acceptor": { "mid": "000000000001111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate OCT authorization and capture reversal

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/original.credit.auth_plus_capture.reversal` Use this endpoint to simulate `original.credit.auth_plus_capture.reversal` transactions to reverse the financial impact of a single-message original credit transaction (OCT). This simulation can be used to reverse single-message OCT transactions. You can view the full request body structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/#simulation_request_body) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "amount": 10, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "original.credit.auth_plus_capture.reversal", "state": "COMPLETION", "token": "**ORIGINAL_CREDIT_AUTH_PLUS_CAPTURE_REVERSAL_TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-03-23T23:30:25Z", "user_transaction_time": "2025-03-23T23:28:03Z", "settlement_date": "2025-03-23T00:00:00Z", "amount": 10, "request_amount": 10, "gpa": { "ledger_balance": 100, "available_balance": 80, "impacted_amount": -10 }, "currency_code": "USD", "currency_conversion": { "original_amount": 10, "conversion_rate": 1, "original_currency_code": "840" }, "preceding_related_transaction_token": "**AUTHORIZATION_TRANSACTION_TOKEN**", "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "fraud": { "description": "Contains one or more fraud determinations by the card network that apply either to the transaction or to the cardholder's account.", "x-allowableValues": "Existing `fraud` object", "network": { "description": "Contains network-provided information about fraud determinations.", "x-allowableValues": "- `account_risk_score`\n- `account_risk_score_reason_code`\n- `transaction_risk_score`\n- `transaction_risk_score_reason_code`\n- `transaction_risk_score_reason_description`", "transaction_risk_score": { "description": "Network-provided risk score for the transaction.\nA higher score indicates higher risk.\nThe risk score is useful for making decisions about authorizations.", "x-allowableValues": "Mastercard: 0-99\nVisa: 0-99" }, "account_risk_score": "4" } }, "card_acceptor": { "mid": "000000000001111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL", "postal_code": "33705" } } } ```

Simulate Product Inquiry

**Action:** `POST`\ **Endpoint:** `/simulations/cardtransactions/product.inquiry` Use this endpoint to simulate a `product.inquiry` type transaction. You can view the full [request body](/core-api/simulations-card-transactions/#simulation_request_body) structure on the [Simulations 2.0 — Card Transactions](/core-api/simulations-card-transactions/) page.

Request body

See the full request body structure at [Request body](/core-api/simulations-card-transactions/#simulation_request_body).

Sample request body

```json JSON lines wrap theme={null} { "card_token": "**CARD_TOKEN**", "amount": 0, "card_acceptor": { "mid": "11111" }, "flex": { "eligible": true, "eligible_products": [ "DEBIT_TO_LOAN" ] }, "network": "VISA" } ```

Response body

See [Card Transaction Simulation Response](/core-api/simulations-card-transactions/#simulation_response_body).

Sample response body

```json JSON expandable lines wrap theme={null} { "transaction": { "type": "product.inquiry", "state": "CLEARED", "token": "**TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**", "card_token": "**CARD_TOKEN**", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "created_time": "2025-08-05T22:11:10Z", "user_transaction_time": "2025-08-05T22:11:10Z", "settlement_date": "2025-08-05T00:00:00Z", "amount": "0.00", "request_amount": "0.00", "gpa": { "ledger_balance": "17.01", "available_balance": "0.00" }, "currency_code": "USD", "currency_conversion": { "original_amount": "0.00", "conversion_rate": 1, "original_currency_code": "840" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": "0", "flex": { "eligible": true, "selected_product": "DEBIT" }, "card_acceptor": { "mid": "000000000011111", "mcc": "6411", "name": "Marqeta Storefront", "city": "St. Petersburg", "state": "FL" }, "gpa_order": { "amount": "0.00", "created_time": "2025-08-05T22:11:11Z", "currency_code": "USD", "funding": { "amount": "0.00", "gateway_log": { "duration": 70, "message": "Approved or completed successfully", "order_number": "**ORDER_NUMBER**", "timed_out": false, "transaction_id": "**TRANSACTION_ID**" }, "source": { "active": true, "created_time": "2025-08-05T17:15:25Z", "is_default_account": false, "last_modified_time": "2025-08-05T17:15:25Z", "token": "**SOURCE_TOKEN**", "type": "programgateway" } }, "funding_source_token": "**SOURCE_TOKEN**", "jit_funding": { "amount": "0.00", "balances": {}, "method": "pgfs.product.inquiry", "token": "**JIT_TOKEN**", "user_token": "**USER_TOKEN**" }, "last_modified_time": "2025-08-05T22:11:11Z", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "state": "COMPLETION", "token": "**GPA_ORDER_TOKEN**", "transaction_token": "**TRANSACTION_TOKEN**", "user_token": "**USER_TOKEN**" }, "original_credit": {} } } ``` ## Related topics - [Postman Collection for Simulations 2.0](/docs/core-api/postman-collection-simulations.md) - [Simulations 2.0 — Direct Deposits](/docs/core-api/simulations-direct-deposits.md) - [2023 Release Notes](/docs/developer-guides/release-notes-2023.md) - [2024 Release Notes](/docs/developer-guides/release-notes-2024.md) - [Gateway JIT Funding Implementation Sample Code](/docs/developer-guides/gateway-jit-funding-implementation-sample-code.md)