Visa Flexible Credential (VFC)

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.

Available operations

Operation	Method	Endpoint
Simulate product inquiry	POST	`/simulations/cardtransactions/product.inquiry`

Use the product inquiry endpoint to simulate a product.inquiry transaction for a VFC-enabled 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.

Note
Authorization Transaction with VFC is only available for simulating in the Private sandbox. For more information about how to incorporate Visa Flexible Credential support in your program, contact your Marqeta representative.

Sample request body

JSON

{
   "card_token": "**CARD_TOKEN**",
   "amount": 1,
   "card_acceptor": {
       "mid": "11111"
   },
   "network": "VISA",
   "flex": {
       "eligible": true,
       "eligible_products": ["DEBIT_TO_LOAN"]
   }
}

Sample response body

JSON

{
 "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": "2026-10-26T19:20:41Z",
   "user_transaction_time": "2026-10-26T19:20:41Z",
   "settlement_date": "2026-10-26T00:00:00Z",
   "amount": "1.00",
   "request_amount": "1.00",
   "gpa": {
     "ledger_balance": "29725.38",
     "available_balance": "502.00",
     "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": 42,
       "account_risk_score": "5"
     }
   },
   "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": "2026-10-26T19:20:42Z",
     "currency_code": "USD",
     "funding": {
       "amount": "1.00",
       "gateway_log": {
         "duration": 54,
         "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": "**********2a6a",
         "type": "programgateway"
       }
     },
     "funding_source_token": "**********2a6a",
     "jit_funding": {
       "amount": "1.00",
       "balances": {},
       "method": "pgfs.authorization",
       "token": "**JIT_FUNDING_TOKEN**",
       "user_token": "**USER_TOKEN**"
     },
     "last_modified_time": "2026-10-26T19:20:42Z",
     "response": {
       "code": "0000",
       "memo": "Approved or completed successfully"
     },
     "state": "PENDING",
     "token": "**GPA_ORDER_TOKEN**",
     "transaction_token": "**TOKEN**",
     "user_token": "**USER_TOKEN**"
   },
   "original_credit": {}
 }
}

Getting Started

Testing

Card Issuing

Card Processing

Accounts & Money Movement

Risk, Fraud, and Disputes

Cardholder User Experience

Visa Flexible Credential (VFC)

Available operations

Authorization Transaction with VFC

Sample request body

Sample response body

​Available operations

​Authorization Transaction with VFC

​Sample request body

​Sample response body

Available operations

Authorization Transaction with VFC

Sample request body

Sample response body