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5 minute read
July 28, 2022

Card Network Certifications 2022

April 2022

Visa Network Certification

The Marqeta platform is certified with the April 2022 VisaNet Business Enhancements, effective April 2022.

Marqeta changes to support this release of Visa
Article 1.1 — New extended reason codes for stand-in processing

The April 2022 VisaNet Business Enhancements

Article 2.8 — Changes to credit voucher and merchandise return authorization processing

To support April 2022 VisaNet Business Enhancements article 2.8, Marqeta requires a change to your JIT Gateway decline response codes for credit voucher and merchandise return authorization transactions (both represented by the refund.authorization transaction type on the Marqeta platform).

Beginning in release 22.3, your JIT Gateway should only use these codes in the decline_reason field when declining refund.authorization transactions: INVALID_MERCHANT, INVALID_AMOUNT, INVALID_CARD, CLOSED_ACCOUNT, SUSPECTED_FRAUD.

If your JIT Gateway declines refund.authorization transactions with a decline_reason not included in the preceding list, Visa would usually reject that authorization response from Marqeta and process the transaction using stand-in processing (STIP). To avoid processing these transactions in STIP, Marqeta will now respond to Visa with response code 93 - Transaction cannot be completed whenever we decline transactions for any reasons other than the ones listed above.

Article 3.2 — New data standards for OCT transactions

To support April 2022 VisaNet Business Enhancements article 3.2 data standards for original credit transactions (OCT), the Marqeta platform now includes the transfer_service_provider_name and payment_facilitator_name fields in the card_acceptor object in transaction webhooks, JIT funding messages, and GET /transactions payloads.

Article 3.9 — Include account funding object in transaction response payloads

To support April 2022 VisaNet Business Enhancements article 3.9, the Marqeta platform includes the account_funding object in transaction response payloads of JIT Funding messages, webhooks, and GET /transactions API requests.

Article 3.10 — E-commerce transactions in transaction payloads

To support April 2022 VisaNet Business Enhancements article 3.10, secure electronic commerce transactions now appear in transaction payloads with an electronic_commerce_indicator value of authentication_successful and a verification_result value of not_present.

Visa changes with no impact on Marqeta

The following changes in the April 2022 VisaNet Business Enhancements do not affect you or the Marqeta platform, and are presented here for information purposes only.

Article 11.3.1 — Interlink support mandates

The April 2022 VisaNet Business Enhancements mandates that Interlink issuers support changes for original credit transactions (OCTs) and fast funds processing for Interlink-only products received on network 0003 (Interlink).

Mastercard Network Certification

The Marqeta platform is certified on Mastercard Release 22.Q2, effective April 2022.

Marqeta changes to support this release of Mastercard
Article AN-4224 — Merchant country of origin field

To support Mastercard Article AN-4224, Marqeta now includes a new field in the transaction payload of Gateway JIT messages, webhooks, and GET /transactions requests that contains the details of a government-controlled merchant’s country-of-origin code. This new field is named country_of_origin and is included in the existing card_acceptor object.

A merchant’s country of origin can be different from the country in which the merchant is located. For example, embassies are physically located in countries that are not their country of origin: a Mexican embassy might be physically located in Singapore, but the country of origin is Mexico.

This field is included when the cardholder conducts a transaction with a government-controlled merchant using a Marqeta-issued card.

Article AN-5926 — Response code best practices for dual-message transactions

Marqeta supports the response code dual-message best practices for expired cards as specified in Mastercard article AN-5926.

Article AN-5305 — Cash-to-card capability in Switzerland

Marqeta supports Mastercard’s domestic cash-to-card capability in Switzerland using the MoneySend Payment Transaction as specified in article AN-5305. The new service enables cardholders to add cash to Debit Mastercard and Maestro cards at cash deposit-taking ATMs in Switzerland.

When Marqeta receives an ATM cash deposit as an Original Credit Transaction (OCT), we populate the original_credit.transaction_type with the value cash_in.

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