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5 minute read
July 28, 2022

Card Network Certifications 2021

October 2021

Visa Network Certification

The Marqeta platform is certified with the October 2021 VisaNet Business Enhancements, effective October 2021.

Marqeta changes to support this release of Visa
Article 2.9 — Changes to Support Purpose of Payment Code for Original Credit Transactions

The original_credit object for Visa original credit transactions now includes the transaction_purpose field in JIT Gateway messages, webhooks, and GET /transactions API responses.

For detailed information about this field, see the original_credit object in Transactions.

Article 9.1.2 — Mandate to Support Acceptance Environment Authentication Outage Indicator Field for Issuers in the Europe Region

Visa now requires issuers Europe to support the Acceptance Environment Authentication Outage indicator field and values. The Acceptance Environment Authentication Outage indicator indicates that authentication was attempted for a transaction but there was an outage in the authentication flow between the merchant, gateway 3D Secure server, and the Visa Directory Server. In such cases, authentication requests fail.

To support Visa’s Acceptance Environment Authentication Outage indicator, Marqeta now includes a new enumerated value in the cardholder_authentication_data.verification_result field: not_verified_authentication_outage.

For detailed information about this new enumerated value, see the cardholder_authentication_data object in Transactions.

Article 11.2.2 — Changes to Support Deferred Original Credit Transactions

The original_credit object now includes the deferred_hold_by field in JIT Gateway messages, webhooks, and GET /transactions API responses. This field is included to support changes Visa has made to deferred original credit transaction (OCT) processing. The original_credit object includes the deferred_hold_by field when original credit transactions are deferred by the acquirer or Visa.

For detailed information about this new field, see the original_credit object in Transactions.

New CVV2 Decline Response Code

Marqeta now sends a new transaction response code to indicate declines on card-not-present transactions that fail CVV2 validation: 1915: Invalid CVV2.

Mastercard Network Certification

The Marqeta platform is certified on Mastercard Release 21.Q4, effective October 2021.

Marqeta changes to support this release of Mastercard
Article AN-4742 — Support for Mastercard Payment Account References (PAR)

Mastercard has increased the availability of the Payment Account Reference (PAR) to help link Mastercard Primary Account Number (PAN)-based transactions to associated payment token transactions without using the PAN as the linkage mechanism. Marqeta now stores the PAR value sent for both PAN-based and token-based transactions to our database for future reporting and inclusion in webhooks.

Articles AN-4536, AN-4630, AN-4761, AN-4782 — Support for new Decline Reason Code Service, Update to Dual Message Best Practices and Use of Data Element 39 Response Codes for CVC 2 Declines

Effective 2 November 2021, Mastercard implements a new Decline Reason Code Service and best practices for CVC2 decline response codes. Marqeta supports this new Decline Reason Code Service and follows the best practices specified by Mastercard.

To support these changes, Marqeta now sends a new Transaction response code: 1915: Invalid CVV2.

For detailed information about transaction response codes, see the response codes table.

Article AN-4776 — Data Enhancements for Mastercard MoneySend and Funding Transactions

Mastercard now lets merchants use MoneySend Payments to issue fast refunds. Participating merchants can inform cardholders that funds will be available in near real time on either the card that was used for the original purchase transaction or on a different card.

Marqeta includes two new enumerated values for the original_credit.transaction_purpose field to indicate MoneySend Payments refund: refund_to_original_card and refund_to_new_card.

For detailed information about these new enumerated values, see the original_credit object in Transactions.

Article AN-4779 — Deferred Authorization Indicator Value

Point-of-sale (POS) terminals support offline processing for air travel transactions, service maintenance, technological interruptions stemming from inclement weather, and so on. Mastercard now indicates such deferred authorizations to inform issuers when authorization requests are sent on a deferred basis to account for any discrepancy between the time that the transaction occurred and the time that the authorization request was received

To support Mastercard’s deferred authorization indicators, Marqeta now includes the field is_deferred_authorization in the transaction_metadata object in webhooks and GET /transactions API responses.

For detailed information about the is_deferred_authorization field, see the transaction_metadata object in Transactions.

Mastercard changes with no impact on Marqeta
Article AN-4748 — Enhancement for Reversal Advice Messages for Financial Transaction Requests

Effective October 2021, Mastercard enhanced the Single Message System to send an Acquirer Reversal Advice/0420 message for timeouts on the Financial Transaction Request Response/0210 message for stand-in enabled issuers. Sending an Acquirer Reversal Advice/0420 message for timeout conditions on a Financial Transaction Request Response/0210 message helps issuers and processors better track financial transactions when the customer has opted in for stand-in services.

Mastercard enhanced the Single Message System to send an Acquirer Reversal Advice/0420 message when the Single Message System detects a timeout condition on the Financial Transaction Request Response/0210 message from the issuer. For customers that have opted in for stand-in services, the Single Message System will send the Acquirer Reversal Advice/0420 message during Store-and-Forward (SAF) processing to align with current processing for customers that have not opted in for stand-in service.

Article AN-4752 — Accelerated card payments through faster clearing cycle

Effective October 2021, Mastercard accelerated the processing of clearing data by introducing additional clearing cycle cutoffs to allow clearing data to be processed and shared faster, enabling faster transaction posting for consumers and faster funds availability for merchants.

April 2021

Visa Network Certification

The Marqeta platform is certified with the April 2021 VisaNet Business Enhancements, effective April 2021.

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

The April 2021 VisaNet Business Enhancements include new extended stand-in processing reason codes. Marqeta captures these new codes for future use, but does not include in webhooks at this time.

Article 2.7 — Changes to credit voucher and merchandise return authorization processing

With the April 2021 VisaNet Business Enhancements, Visa now sends return authorization messages to issuers and cardholders when merchants process return transactions.

When Visa uses stand-in processing for a return authorization, it sends the response code 9038 — Merchandise return authorization processed in STIP.

Visa will always decline a return authorization on prepaid non-reloadable cards.

Visa changes with no impact on Marqeta

The following changes in the April 2021 VisaNet Business Enhancements do not affect you or the Marqeta platform, and are presented here for information purposes only.

Article 2.6 — New stand-in processing reason code for non-reloadable prepaid cards

The April 2021 VisaNet Business Enhancements include the new stand-in processing reason code 9064 — Transaction declined, invalid payment channel for card type to identify a merchant-initiated transaction for an installment or recurring payment on a non-reloadable prepaid card. This new code maps to the normalized value others in the standin_reason field of transaction webhooks.

Article 2.8 — Changes to support new business application identifier for original credit transactions

The April 2021 VisaNet Business Enhancements include the new business application identifier (BAI) CD for cash deposits. This BAI is normalized as original_credit.transaction_type = cash_deposit in Marqeta webhooks.

Article 2.9 — Changes to support credit settlement risk exposure monitoring

The April 2021 VisaNet Business Enhancements include processing rules for declined transactions that do not meet credit settlement risk criteria, as well as one new and one redefined reason code:

  • New code: 9303 — Exceeds acquirer settlement risk exposure cap

  • Redefined code: 9302 — Exceeds issuer settlement risk exposure cap

Article 2.11 — Changes to mobile push payment interchange fee processing

With the April 2021 VisaNet Business Enhancements, Mobile push payments are now assessed interchange fees for either "card present" or "card not present" transactions as appropriate.

Article 6.1.1 — Mandated support for the Merchant Verification Value in the Asia Pacific region

The April 2021 VisaNet Business Enhancements require the MVV for purchase and credit voucher V.I.P. Authorization Only transactions in the Asia Pacific region. Marqeta already supports these changes.

Article 6.1.2 — Changes to automated fuel dispenser transactions in Australia and New Zealand

The April 2021 VisaNet Business Enhancements implement changes to automated fuel dispenser transaction in Australia and New Zealand. Marqeta already supports these changes.

Mastercard Network Certification

The Marqeta platform is certified on Mastercard Release 21.Q2, effective April 2021.

Marqeta changes to support this release of Mastercard

Mastercard release 21.Q2 enhances MoneySend and account funding transactions. To support these enhancements, Marqeta now includes the transaction_purpose element in the transactions.original_credit object.

You can see these new elements and objects in Transactions.

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