> ## 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.

# March 2026 Risk, Fraud, and Disputes Release Notes

> Release notes for the Risk, Fraud, and Disputes platform: new features, enhancements, fixed issues, and notable documentation changes.

To follow new Risk, Fraud, and Disputes release notes with RSS, subscribe to the current release notes feed:

`https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/rss.xml`

**New features**

## 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.

**Enhancements**

## Disputes processing for transaction below program's dispute threshold

Action required

Breaking change

To 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](https://www.marqeta.com/docs/developer-guides/about-disputes/#_disputes_under_threshold) developer guide.

## Fraud reporting for account funding transactions

Action required by: April 18, 2026

Breaking change

Effective 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](https://www.marqeta.com/docs/core-api/disputes-visa/dispute-cases-visa/create-dispute-case-visa.md#_the_fraud_classification_type_dispute_details_object).


## Related topics

- [March 2026 Card Issuing and Processing Release Notes](https://www.marqeta.com/docs/developer-guides/card-issuing-processing-release-notes/2026-03.md)
- [March 2026 UX Toolkit Release Notes](https://www.marqeta.com/docs/developer-guides/ux-toolkit-release-notes/2026-03.md)
- [January 2026 Risk, Fraud, and Disputes Release Notes](https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/2026-01.md)
- [February 2026 Risk, Fraud, and Disputes Release Notes](https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/2026-02.md)
- [June 2026 Risk, Fraud, and Disputes Release Notes](https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/2026-06.md)