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August 3, 2019

Transaction Data for JIT Funding Decisions

If you have enabled Gateway JIT Funding for your program, the Marqeta platform sends funding requests to your system for each transaction. Some transaction types, such as authorizations, are actionable, meaning your system must respond programmatically to the request and approve or deny the funding. (Other transaction types, such as refunds or reversals, are informative only, meaning your system receives a funding notification but does not need to send a response.)

To aid in your system’s decisioning process, the Marqeta platform includes data in the request about the transaction being funded. This data describes aspects of the transaction that indicate to your system whether it is advisable to approve or deny the funding request.

The message sent to your JIT Funding gateway endpoint includes the following key objects for decisioning:

  • jit_funding

  • fraud

  • cardholder_authentication_data

  • card_security_code_verification

  • transaction_metadata

In addition to your system’s programmatic responses to JIT Funding requests, you can configure the following restrictions for your program on the Marqeta platform:

  • Spend controls — Limits when, where, and how much a user can spend with their card. For more information, see Controlling Spending.

  • Address Verification System (AVS) — Verifies that the address provided by the card holder matches the address on file. For more information, see About Address Verification.

The Marqeta platform processes these restrictions before sending a JIT Funding request to your gateway endpoint.

JIT Funding
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The jit_funding object contains information about the funding event, including the associated user token and transaction amount. The method field indicates the type of transaction and whether the message is an actionable funding request sent to your gateway endpoint or an informative message sent to your webhook endpoint.

Actionable transaction types
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Your system must programmatically approve or deny JIT Funding requests for the following types of transactions:

  • pgfs.authorization

  • pgfs.authorization.incremental

  • pgfs.auth_plus_capture

  • pgfs.billpayment

  • pgfs.billpayment.capture

For more information about the jit_funding object, as well as the differences between actionable and informative transaction types, see Gateway JIT Funding Messages.

Fraud
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The fraud object contains fraud-related data elements from the card network and the Marqeta platform (when FraudStream is enabled).

Fraud data elements from the card network can include the following fields:

Name Type Description Allowable Values

transaction_risk_score

int

(Visa and Mastercard) Transaction fraud risk score calculated by the card network; a higher score indicates higher risk.

1-99

account_risk_score

int

(Visa only) Account holder risk condition code evaluated by the card network; a higher score indicates a greater likelihood that the card number is compromised.

1-9

transaction_risk_score_reason_code

string

(Mastercard only) Unique code that describes the main driver of the transaction_risk_score.

1-29

transaction_risk_score_reason_description

string

(Mastercard only) Description of the transaction_risk_score_reason_code.

(Various strings)

Fraud data elements from the Marqeta platform can include the following fields:

Name Type Description Allowable Values

score

int

Transaction risk score calculated by Marqeta; a higher score indicates higher risk.

1-99

risk_level

string

Estimate of the risk level of the transaction, based on the Marqeta risk score.

LOW, MEDIUM, HIGH

recommended_action

string

Flags transactions based on the rules defined for the program within FraudStream. When a rule is triggered, the value is “DECLINE”.

APPROVE, DECLINE, NOT_PERFORMED

rule_violations

array

FraudStream rules that were flagged at transaction time.

(Array of strings)

The following code block shows a sample fraud object as it would appear in a JIT Funding request:

"fraud": {
  "network": {
    "transaction_risk_score": 97,
    "account_risk_score": 7
  },
  "issuer_processor":{
    "score": "64",
    "risk_level": "MEDIUM",
    "recommended_action": "DECLINE",
    "rule_violations":
      [
        "24hr.velocity.exceeded"
      ]
  }
}

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Cardholder authentication data
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The cardholder_authentication_data object contains information about additional authentication performed for e-commerce transactions. For example, a transaction participant (such as the card network) can request additional verification during the transaction process, such as the card holder’s name or date of birth.

Name Type Description Allowable Values

electronic_commerce_indicator

string

Status of verification attempt.

authentication_successful, authentication_attempted, no_authentication

verification_result

string

Result of the verification attempt.

verified, failed, not_verified, not_present, not_provided

verification_value_created_by

string

Transaction participant who determined the verification result.

issuer_acs, issuer_attempts_server, network, network_attempts_server

The following code block shows a sample cardholder_authentication_data object as it would appear in a JIT Funding request:

"cardholder_authentication_data": {
  "electronic_commerce_indicator": "authentication_successful",
  "verification_result": "verified",
  "verification_value_created_by": "issuer_acs"
}

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Card security code verification
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The card_security_code_verification object contains information about a verification check performed on the card’s security code.

The type field indicates the type of security code and can have the following possible values:

  • CVV1 – The security code stored in the magnetic stripe on the card.

  • CVV2 – The security code printed on the card.

  • ICVV – The security code stored on the chip of the card.

  • DCVV – A dynamic security code used in some contactless payments when a card or device is tapped on the card reader.

The response.code field indicates whether the verification check passed and can have one of the following values:

  • 0000 – Passed

  • 0001 – Did not pass

Name Type Description Allowable Values

type

string

Type of security code verified.

CVV1, CVV2, ICVV, DCVV

response.code

string

Indicates whether the verification check passed.

0000, 0001

response.memo

string

Free-form description of the verification result.

The following code block shows a sample card_security_code_verification object as it would appear in a JIT Funding request:

"card_security_code_verification": {
  "type": "CVV1",
  "response": {
    "code": "0000",
    "memo": "Card security code match"
  }
}

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Transaction metadata
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The transaction_metadata object contains additional merchant-provided details about a transaction. It also includes sub-objects for more detailed information about transit and air travel purchases.

Note
Transaction metadata is only included when provided by the merchant.
Name Type Description Allowable Values

transaction_category

string

Type of product or service being purchased.

RETAIL_SALE, BILL_PAY, HOTEL, RESTAURANT, AUTO_RENTAL, AIRLINE, PAYMENT, HOSPITALIZATION_COLLEGE, PHONE_MAIL_ECOMMERCE, ATM, HEALTH_CARE, TRANSIT

authorization_life_cycle

int

Number of days until pre-authorization expires.

lodging_auto_rental_start_date

date

Pick-up date for an auto rental, or check-in date for lodging.

The transaction_metadata.transit sub-object can contain the following fields related to transportation other than air travel:

Name Type Description Allowable Values

transaction_type

string

Type of transit transaction performed.

PRE_FUNDED, REAL_TIME_AUTHORIZED, POST_AUTHORIZED_AGGREGATED, AUTHORIZED_AGGREGATED_SPLIT_CLEARING, OTHER, DEBIT_RECOVERY

transportation_mode

string

Mode of transportation purchased.

BUS, TRAIN, WATER_BORNE_VEHICLE, TOLL, PARKING, TAXI, PARA_TRANSIT, SELF_DRIVE_VEHICLE, COACH, LOCOMOTIVE, POWERED_MOTOR_VEHICLE, TRAILER, INTER_CITY, CABLE_CAR

The transaction_metadata.airline sub-object can contain the following fields related to air travel:

Name Type Description

passenger_name

string

Name of passenger for air travel.

depart_date

date

Date of departure for air travel.

origination_city

string

Three-letter airport code for the city of departure.

The following code block shows a sample of the transaction_metadata object as it would appear in a JIT Funding request:

"transaction_metadata": {
  "transaction_category": "AUTO_RENTAL",
  "authorization_life_cycle": "10",
  "lodging_auto_rental_start_date": "10/19/2018"
  "transit": {
    "transaction_type": "PRE_FUNDED",
    "transportation_mode": "BUS"
  },
  "airline": {
    "passenger_name": "Madison Aguilar",
    "depart_date": "10/19/2016",
    "origination_city": "SJC"
  }
}

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