> ## 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.

# Visa Flexible Credential (VFC)

> Simulate Visa Flexible Credential transactions, including product inquiries, in the sandbox.

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**](https://www.marqeta.com/docs/core-api/simulations-card-transactions/visa-flexible-credential-simulations/simulate-product-inquiry.md) | 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](https://www.marqeta.com/docs/core-api/simulations-card-transactions/authorizations/simulate-authorization-v2.md).

## Authorization Transaction with VFC

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

> [!NOTE]
>
> **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 JSON lines wrap theme={null}
{
   "card_token": "**CARD_TOKEN**",
   "amount": 1,
   "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": "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": {}
 }
}
```


## Related topics

- [Card Network Certifications 2022](https://www.marqeta.com/docs/developer-guides/card-network-certifications-2022.md)
- [Card Network Certifications 2025](https://www.marqeta.com/docs/developer-guides/card-network-certifications-2025.md)
- [Simulate Product Inquiry](https://www.marqeta.com/docs/core-api/simulations-card-transactions/visa-flexible-credential-simulations/simulate-product-inquiry.md)
- [Visa Alias Payment Credentials Overview](https://www.marqeta.com/docs/core-api/digital-wallets-management/visa-alias-payment-credentials.md)
- [2024 Release Notes](https://www.marqeta.com/docs/developer-guides/release-notes-2024.md)