> ## 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.

# Card Network Certifications 2021

> Learn about the certifications earned by Marqeta for each of the supported card networks.

<h2 id="_october_2021">
  October 2021
</h2>

<h3 id="_visa_network_certification">
  Visa network certification
</h3>

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

<h4 id="_marqeta_changes_to_support_this_release_of_visa">
  Marqeta changes to support this release of Visa
</h4>

<h5 id="_article_2_9_changes_to_support_purpose_of_payment_code_for_original_credit_transactions_octs">
  Article 2.9 — Changes to support purpose of payment code for original credit transactions (OCTs)
</h5>

The `original_credit` object for Visa OCTs 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](/core-api/transactions/).

<h5 id="_article_9_1_2_mandate_to_support_acceptance_environment_authentication_outage_indicator_field_for_issuers_in_the_europe_region">
  Article 9.1.2 — Mandate to support Acceptance Environment Authentication Outage indicator field for issuers in the Europe region
</h5>

Visa now requires issuers in Europe to support the Acceptance Environment Authentication Outage indicator field and values. The Acceptance Environment Authentication Outage indicator shows 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](/core-api/transactions/).

<h5 id="_article_11_2_2_changes_to_support_deferred_octs">
  Article 11.2.2 — Changes to support deferred OCTs
</h5>

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 OCT processing. The `original_credit` object includes the `deferred_hold_by` field when OCTs are deferred by the acquirer or Visa.

For detailed information about this new field, see the `original_credit` object in [Transactions](/core-api/transactions/).

<h5 id="_new_cvv2_decline_response_code">
  New CVV2 decline response code
</h5>

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

<h3 id="_mastercard_network_certification">
  Mastercard network certification
</h3>

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

<h4 id="_marqeta_changes_to_support_this_release_of_mastercard">
  Marqeta changes to support this release of Mastercard
</h4>

<h5 id="_article_an_4742_support_for_mastercard_payment_account_references_par">
  Article AN-4742 — Support for Mastercard payment account references (PAR)
</h5>

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.

<h5 id="_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_cvc2_declines">
  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 CVC2 declines
</h5>

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](/core-api/transactions/).

<h5 id="_article_an_4776_data_enhancements_for_mastercard_moneysend_and_funding_transactions">
  Article AN-4776 — Data enhancements for Mastercard MoneySend and funding transactions
</h5>

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](/core-api/transactions/).

<h5 id="_article_an_4779_deferred_authorization_indicator_value">
  Article AN-4779 — Deferred authorization indicator value
</h5>

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 when the transaction occurred and the time when 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](/core-api/transactions/).

<h4 id="_mastercard_changes_with_no_impact_on_marqeta">
  Mastercard changes with no impact on Marqeta
</h4>

<h5 id="_article_an_4748_enhancement_for_reversal_advice_messages_for_financial_transaction_requests">
  Article AN-4748 — Enhancement for Reversal Advice Messages for Financial Transaction Requests
</h5>

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.

<h5 id="_article_an_4752_accelerated_card_payments_through_faster_clearing_cycle">
  Article AN-4752 — Accelerated card payments through faster clearing cycle
</h5>

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.

<h2 id="_april_2021">
  April 2021
</h2>

<h3 id="_visa_network_certification_2">
  Visa Network Certification
</h3>

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

<h4 id="_marqeta_changes_to_support_this_release_of_visa_2">
  Marqeta changes to support this release of Visa
</h4>

<h5 id="_article_1_1_new_extended_reason_codes_for_stand_in_processing">
  Article 1.1 — New extended reason codes for stand-in processing
</h5>

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 them in webhooks at this time.

<h5 id="_article_2_7_changes_to_credit_voucher_and_merchandise_return_authorization_processing">
  Article 2.7 — Changes to credit voucher and merchandise return authorization processing
</h5>

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.

<h4 id="_visa_changes_with_no_impact_on_marqeta">
  Visa changes with no impact on Marqeta
</h4>

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.

<h5 id="_article_2_6_new_stand_in_processing_reason_code_for_non_reloadable_prepaid_cards">
  Article 2.6 — New stand-in processing reason code for non-reloadable prepaid cards
</h5>

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.

<h5 id="_article_2_8_changes_to_support_new_business_application_identifier_for_octs">
  Article 2.8 — Changes to support new business application identifier for OCTs
</h5>

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

<h5 id="_article_2_9_changes_to_support_credit_settlement_risk_exposure_monitoring">
  Article 2.9 — Changes to support credit settlement risk exposure monitoring
</h5>

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`

<h5 id="_article_2_11_changes_to_mobile_push_payment_interchange_fee_processing">
  Article 2.11 — Changes to mobile push payment interchange fee processing
</h5>

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

<h5 id="_article_6_1_1_mandated_support_for_the_merchant_verification_value_mvv_in_the_asia_pacific_region">
  Article 6.1.1 — Mandated support for the merchant verification value (MVV) in the Asia Pacific region
</h5>

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.

<h5 id="_article_6_1_2_changes_to_automated_fuel_dispenser_transactions_in_australia_and_new_zealand">
  Article 6.1.2 — Changes to automated fuel dispenser transactions in Australia and New Zealand
</h5>

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

<h3 id="_mastercard_network_certification_2">
  Mastercard network certification
</h3>

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

<h4 id="_marqeta_changes_to_support_this_release_of_mastercard_2">
  Marqeta changes to support this release of Mastercard
</h4>

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](/core-api/transactions/).


## Related topics

- [Card Network Certifications 2026](/docs/developer-guides/card-network-certifications.md)
- [Card Network Certifications 2022](/docs/developer-guides/card-network-certifications-2022.md)
- [Card Network Certifications 2023](/docs/developer-guides/card-network-certifications-2023.md)
- [Card Network Certifications 2024](/docs/developer-guides/card-network-certifications-2024.md)
- [Card Network Certifications 2025](/docs/developer-guides/card-network-certifications-2025.md)