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Fraud feedback via two-way SMS

Marqeta now enables cardholders to provide feedback via two-way SMS for transactions that have been flagged as potentially fraudulent by the Marqeta Real-Time Decisioning (RTD) platform.Through the GENERATE_SMS supplementary action available in the RTD platform, you can now configure your RTD rules to send a cardholder an SMS to confirm whether a transaction was genuine or fraudulent. The Marqeta RTD system directly receives the cardholder’s response.If the cardholder confirms that the transaction was genuine, the Marqeta system will automatically allow the cardholder to retry the transaction within a time window that you can configure in the RTD platform. If the cardholder confirms that the transaction was fraudulent, take appropriate action in accordance with your processes and policies.If you are a current RTD customer, you can contact your Marqeta account manager to enable two-way SMS for your program, starting 1 April 2026.
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Disputes processing for transaction below program’s dispute threshold

Action requiredBreaking changeTo ensure that all disputes are visible and meet regulatory compliance, Marqeta has made it mandatory for customers to raise disputes even if the amount of the transaction does not meet the program’s dispute threshold.Previously, programs individually managed these disputes by providing a provisional credit and writing them off. Now, after you raise the dispute, Marqeta automatically issues a provisional credit and the disputes system applies a program write off without submitting the dispute to the card networks. Marqeta, or your program, sends a notification to cardholders that the case was won and closed, depending on who manages the cardholder communications.For customers whose cardholder notifications are not managed by Marqeta, you must implement additional logic to handle the provisional credit webhooks based on the dispute amount.For more information about webhook updates, reach out to your Marqeta representative. See also Marqeta’s Disputes under threshold developer guide.

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Fraud reporting for account funding transactions

Action required by: April 18, 2026Breaking changeEffective 18 April 2026, Marqeta will require customers to send the fraud_type_classification field in POST /cases payloads for fraudulent Visa account funding transactions (AFTs) if the fraud_type is MANIPULATION_OF_ACCOUNT_HOLDER.The fraud_type_classification field now accepts the following additional values:
  • CHARITY_SCAM
  • HOLIDAY_AND_TICKET_SCAM
  • UTILITY_SCAM
  • LOAN_SCAM
  • PARENT_GRANDPARENT_RELATIVE_SCAM
  • JOB_SCAM
For more information, see The fraud_classification_type_dispute_details object.