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20 minute read

September 23, 2020

Using DiVA

The Data Insights, Visualizations, and Analytics (DiVA) application provides a graphical user interface for exploring your production data on the Marqeta platform. DiVA aggregates and curates your data to help you make data-driven business decisions. Using DiVA, you can:

  • Monitor program events and activities.

  • Create and save custom reports on your program data.

  • Add interactive visualizations to reports to filter and find outliers or data points of interest.

The basics

To access DiVA, go to diva.marqeta.com in your browser. In the login window:

  • If you have an existing DiVA account, enter your username and password and select Sign In.

  • If you do not have an account, select Sign Up Now, enter your information in the Create An Account window, and select Create Account.

Note
After five unsuccessful login attempts, you will be locked out of your account for one hour.

DiVA provides these main areas of functionality:

  • Reports – Allows you to access data and create visualizations. You can retrieve data through filters, download large datasets, add visualizations to reports to enhance data exploration, and save reports for later access.

  • Admin – Allows you manage access, including granting access to other users.

  • API Access – Generates your user tokens to access the DiVA API.

To start exploring your data, use the menu bar at the top of the page, the sidebar on the left, and any controls displayed above the report view area. You can view data in tables, and visualize the data graphically by creating charts and graphs.

Creating your DiVA API access tokens

The DiVA app accesses the same data endpoints as the DiVA API. Using the DiVA app, you can generate your DiVA API access tokens to use when making API calls. You will have the same permission level as you have in the DiVA app. To generate your access tokens:

  1. In the upper-right corner of DiVA, select your username and choose API Access.

  2. On the API Access page, select Generate Token in the upper-right corner.

  3. In the Add a Note popup window, enter a note you want to associate with your access tokens, and select Generate. After DiVA generates your access tokens, the API Tokens popup window appears and displays your tokens.

  4. Select Download to save your tokens. You can view and copy your user tokens at any time from the API Access page.

Get user token

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Reports

The Reports page provides default reports that enable you to explore your card program data. The Reports page includes tools for dynamic filtering, sorting, and interactive visualizations. Default reports use the same data endpoints that you can access through the DiVA API. For a complete list and for more information on the DiVA API endpoints, see the DiVA API Reference.

With reports, you can:

  • Retrieve data using filters.

  • Download data in CSV format and, for large amounts of data, with Gzip compression.

  • Add visualizations to reports to enhance data presentation.

  • Define periodic reports using relative date filters on saved reports.

Reports

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Data sync times

Report data, such as clearing and settlement data, is synchronized three times each day—at 8:00 pm, 7:00 am, and 2:00 pm UTC. The 2:00 pm sync time reconciles the previous day’s activities, and is useful for comparing the prior day’s activity with today’s.

Report page controls

The following controls apply to the Reports page:

Button Button Name Description
Set as default

Set as Default

Saves the current report as the default report when you open the DiVA app.

Save current report

Save Current Report

Saves the current report under the name you provide.

Download current report

Download Current Report

Downloads the current report.

Data controls

The Data Controls at the top left of the Reports page are available for managing the data displayed in reports:

Button Button Name Description
Open columns menu

Columns

Opens the Columns menu, which you can use to add or remove columns.

Open filters menu

Filters

Opens the Filters menu, where you can apply filters, sort by field, or define the maximum rows to display.

Apply changes

Apply Changes

Applies the current changes to the report. Select this whenever you make changes using the data controls.

Refresh data

Refresh Data

Refreshes the display by fetching the underlying report data.

Report types

DiVA provides the following report types:

Balance reports

Balance reports give you detailed information on cardholder balances, such as starting and ending balances and chargebacks.

Report Description

Overview

Provides key aggregated program data such as Loads, Purchases, and Chargebacks. The Acting Cardholder report provides a point in time view at the cardholder level. The Business report provides user-level data for business entities within the program. The Account report provides generic user-level data.

Network Detail

Provides key aggregated program data, similar to the Balance Overview report, organized by relevant network. The Acting Cardholder report provides a point in time view at the cardholder level.

Program Reserve Balances

Provides a daily aggregated view of reserve requirements and needs for replenishment.

Program Balances

Provides a daily aggregated view of a program’s funding balance using an authorization funding model.

Transaction reports

Transaction reports provide details on card transactions derived from the transaction-related messages sent to and from the Marqeta platform.

Report Description

Authorizations

Provides aggregated and detailed views of authorized transaction messages as part of the overall flow of a particular transaction.

Settlements

Provides aggregated and detailed views of cleared transactions.

Clearing Detail highlights cleared transactions. A single clearing transaction message, identified by the Transaction Token, is represented in several rows, with one row for each accounting layer. There are typically four Transentry Token entries for every Transaction Token, with an entry for purchase, interchange, cross border fees, and currency conversion fees. The accounting layer for each entry is identified by the Account Group column.

Each record includes an Initiating Transaction Token value, which corresponds to the initial authorization record. The corresponding initial authorization record can be found in the Authorizations Detail report by filtering for a Transaction Token that matches the Initiating Transaction Token value for the clearing record.

Settlements Detail retrieves settlement transaction data at a specified aggregation level. For example, if you choose the detail aggregation level, each row represents a single settlement transaction.

Declines

Provides aggregated and detailed views of declined transactions as part of the overall flow of a particular transaction.

Loads

Provides aggregated and detailed views of cardholder loads to enable transaction processing. Loads provide a view of the cycle for an individual transaction.

Network Reconciliation

Provides final cleared numbers in an aggregated view. This report is different from a Settlements report in construction and ability to view different components.

Chargebacks

Provides a detailed view of various chargebacks filed for a program, as well as the status and state of any particular chargeback.

Program stats reports

Program stats reports give you detailed information about your card programs, such as when a card was created and activated.

Report Description

Balance Amounts

Provides a daily or monthly aggregated view of high-level program balances impacting transaction types.

Balance Counts

Provides a daily or monthly aggregated view of high-level program metrics, including loads, adjustments, and purchases, plus transactional counts.

Cards

Provides detailed information at the card level.

Users

Provides detailed information at the user level. A user corresponds to a profile within the Marqeta platform, but does not necessarily imply a cardholder.

Card Counts

Provides a snapshot in time view of a program’s card activity, such as inventory.

User Counts

Provides a snapshot in time view of a program’s user activity.

Platform Response

Provides a monthly average duration and gateway duration for transactions.

Utilities reports

Utilities reports provide information on the data dictionary, which describes the data for each of the columns.

Which reports to use

Curious which report to use for a particular process? The table below summarizes some of the key reporting needs that are addressed by DiVA and the report to use for each.

To Do This…​ Use This Report

Reconcile financial transactions

Use Balance > Program Balances or Balance > Program Balances Settlement reports. The Amount to Send, Deposit, and Partner Funds Loads Net columns are key indicators of program activity. Ask your Marqeta representative if you have questions about which data points are appropriate for your program.

Monitor a funding account

Use the Balance > Program Balances report.

Monitor program performance and growth

Several reports are available, including Balance > Overview > Day, Transaction > Settlements > Day, Week, or Month. Transaction > Authorizations > Day, Week, or Month. Use the Visualization Controls to graphically view your data.

Monitor declined transactions

Use the Transaction > Declines report. This report can be viewed in a Detail view, or aggregated in Daily, Weekly, or Monthly views.

View chargeback details or status

Use the Transaction > Chargebacks report. Use the Detail view to see details of the submitted chargebacks, or the Status view to see the status of current chargebacks.

Review user and card demographics

Use the Program Stats > Cards > Detail report and Program Stats > Users > Detail report.

Accessing reports

Reports are grouped by report type. To access a report:

  1. In the sidebar, under All Reports, select a report type.

  2. Select the report. After you select a report, the data is exposed and the filtering and visualization tools are available.

To refresh the underlying report data, select Refresh Data in the Data Controls panel at the top of the page.

Filtering data

Use filters and visualizations to uncover whatever data points you want to explore. You can download data to work with it offline or to save your custom reports for future access. Because the amount of data exposed through the user interface can be unwieldy, two view types are provided to work with the data:

  • Exposed view – This is initially set at 10,000 rows with the option to add rows in increments of 100,000.

  • Data view – The complete set of records for the fully specified table build.

Only a subset of data is exposed when working with quick filters and visualizations. A common user flow is to use quick filters to explore a target subset of data and then use data filters to retrieve all the data. If you want to access the complete data view, you can download up to 1,046,576 rows.

Working with the exposed view

When you open a report, the exposed view shows a subset of the columns for the underlying data view, as well as a subset of the data. You can interact with the data by using quick filters, sorting and reordering columns, or by adding and removing columns.

Using quick filters

A quick filter applies only to the exposed data, and not the entire data view. For example, if there were 300 authorizations at Special Burrito Restaurant but the exposed view shows only 10, typing "Special Burrito Restaurant" in the quick filter for the Merchant column results in only 10 records.

To use the quick filter, enter a sequence of letters into the column header. The default quick filter is a "Contains" search, which displays any cells that contain that sequence. For example, if you enter "se" into the Transaction Type column heading, rows with "Settled Authorization" are displayed as well as rows with "Reversed Authorization" since both include the "se" sequence of letters. To change the type of quick filter, select the three dots next to the text box, and choose the filter type from the drop-down list:

Quick filter

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Managing columns

  • To sort the data in either descending or ascending order, select the column name.

  • To choose which active columns to include in the report, select Columns. Choose a column name in the Active Columns list to remove it. Choose a column name in the Available Columns list to include it.

  • To reorder columns, select Columns. Under Active Columns, drag the column to the new position.

Working with the data view

In addition to the quick filters available for the exposed view, DiVA provides filtering features that allow you to work with the entire data view. When you use the data view filters, the filters are applied to the entire underlying data view; however, the exposed view is returned and displayed.

To use the data view sort and filter options:

  • To filter by date, select the calendar under Data Controls and set the date filters.

  • To sort columns, select Filters. Under Sort, select the sort column and the direction, ASC or DESC.

  • To filter columns using relational operators, select Filters. Under Add Field Filter, select the columns and an operator, and enter a value. See the Relational Operator Behavior section below.

  • To filter by program, select Filters and choose the program to include in the Program Filter box.

  • To set the maximum rows to display, select Filters. Under Max Rows, enter the maximum number of rows up to 200.

Relational operator behavior

Filter behavior for relational operators depends on the type of information for the selected column:

Field Type Options

string

Use the tilde (~) as a wildcard at the beginning or end of a value. For example, "ba~" matches both "bar" and "basket". You can also apply a filter list using commas to separate the values. For example, "= California, New York, Ohio" returns only those states in the result; "!= California, New York, Ohio" returns all states except those.

Date

Enter dates in yyyy-mm-dd format. For example, to specify November 1, 2018, enter "2018-11-01". Use the <, <+, =, ⇒, > operators to filter dates before, after, or equal to the given date. Use two dots (..) to specify a range of dates. For example, "2018-09-01..2018-09-07" filters dates between September 1, 2018 and September 7, 2018. Only the = operator is valid for date ranges.

Number

Use standard mathematical operators to filter numeric values. Use two dots (..) to specify a range of numbers. For example, specifying "100..110" filters values between 100 and 110, inclusive. Only the = operator is valid for number ranges.

Managing the number of retrieved rows

The default number of rows retrieved when you open a report is 10,000. To retrieve the next 100,000 rows, select Download Rows. Because the dataset may be too large to practically load into your browser, you can use the Download Actions to view the full dataset:

  1. Select Download Current Report.

  2. Choose Full or Exposed. If you choose Full, the complete set of records in the data view is downloaded in Gzip compression format.

  3. Select Download. The dataset may take some time to generate before the download begins.

Saving reports

To save a report, select Save Current Report, enter a report name, and select Save. Saved reports are listed under Your Reports in the sidebar.

Visualizations

Visualizations help you understand your data. Using visualizations, you can create graphics and charts based on the data you have retrieved and include them in a report. The available options depend on the visualization type. Note that visualizations apply to the exposed view of your data. To add a visualization to a report:

  1. Filter the data to include in the report.

  2. Select Visualization Controls and select the visualization type.

  3. Edit the visualization using the options available for that visualization type.

Visualization controls

The following buttons for creating visualizations are available under Visualization Controls at the top left of the Reports page:

Button Type Details
Line chart

Line chart

Shows data trends over time as a series of data points connected by straight line segments.

Bar chart

Bar chart

Presents data using rectangular bars that are proportional to the values that they represent.

Scatter plot

Scatter plot

Displays values for two variables as a collection of points, showing how much one variable is affected by another.

Stacked area chart

Stacked area chart

Displays the value of several groups, with the values of each group displayed on top of another.

Sparkline group

Sparkline group

Displays a graph derived from one cell in a table and gives you information about that data.

Single number

Single number

Displays an aggregation from your report as a number.

Text

Text

Displays any text you define.

Line chart

A line chart displays information as a series of data points connected by straight line segments. A line chart is most frequently used to show trends and analyze how data has changed over time. Typically, the y-axis displays a quantitative value, and the x-axis provides a timescale or a sequence of intervals.

Line chart

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The following are line chart options:

Option Details

X-Axis

The column to display along the x-axis. Only date columns are available as x-axis options.

Y-Axis

The column to display along the y-axis. Only number columns are available as y-axis options. Select one or more.

Cumulative

Allows values to accumulate so that a value shown is the total of the base value and the sum of all previous values. Use a cumulative line chart when you have one grouping that represents an ordered set of data and one value to show, summed over time.

Multi-Line

Displays multiple lines for a selected column, based on Dimensions and Lines option you specify. Selecting this displays the Dimensions and Lines options.

Dimension

If Multi-Line is selected, the column to display along the y-axis.

Lines

If Multi-Line is selected, the groups to include within the selected dimension.

To add a line chart:

  1. Retrieve the data you want to include.

  2. Select Visualization Controls and select Line Chart. DiVA chooses the most likely columns for the initial graph.

  3. Select ··· in the upper-right corner of the chart and select the options.

  4. To save the chart, select Save.

Bar chart

A bar chart presents data using rectangular bars that are proportional to the values that they represent. A bar chart can be used to compare changes over a period of time for more than one group.

Bar chart

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The following are bar chart options:

Option Details

Dimensions

The column data to display on the x-axis.

Bars

The column to display in bars along the y-axis. Select one or more columns.

Sort

The order to display the bars along the x-axis.
Type – Value or Dimension. Value sorts the display by value; Dimension sorts by group name.
Direction – The order in which to display the bars along the x-axis: DESC or ASC.

Max Bars

The maximum number of bars to display. To change, edit the value under Max (number).

Y-Axis Functions

Applies functions to alter the information display to make the trends more easily identifiable in visualization:

y – Returns to the original display, removing any functions.
-1*y – Flips the y values on the chart so that negative values are displayed as positive values above the x-axis. Useful for the display of negative values in a more readable format.
log(y) – Reduces the y values logarithmically to make the trend easier to see in the chart.
e^y – Increases the y values logarithmically to make the trend easier to see in the chart.
abs(y) – Displays the absolute value along the y-axis.

Stacked Bars

Overlays selected y-axis columns into a single bar. Select to display the Stacked Bar Options:
Dimensions – The columns to report on.
Sub Bars – The columns to stack together into a bar.

To add a bar chart:

  1. Retrieve the data you want to include.

  2. Select Visualization Controls and select Bar Chart.

  3. In the upper-right corner of the visualization, select ··· and then select the options.

  4. Select Save.

Scatter plot

A scatter plot displays values as a collection of points, where the value of one variable determines the position on the x-axis and the value of the other variable determines the position on the y-axis. A scatter plot shows how much one variable is affected by another. The relationship between two variables is called their correlation. A scatter plot is useful when:

  • You have paired numerical data.

  • Your dependent variable has multiple values for each value of your independent variable.

  • You want to determine whether the two variables are related.

Scatter plot

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Determining whether two variables are related

A scatter plot can be useful for gaining insight into certain kinds of problems, especially to determine whether a particular cause and effect are related or whether two effects that appear to be related both have the same cause.

Adding a scatter plot

To add a scatter plot:

  1. Retrieve the data you want to explore.

  2. Select Visualization Controls and select Scatter Plot. Only number columns are available for both the x-axis and y-axis. The default columns to display in the graph are the first two active numerical columns.

  3. To change the columns to display in the graph, select ··· in the upper-right corner of the chart and select the columns for each axis. You can choose only one column for each axis.

Downsampling

Downsampling reduces the amount of noise from the display by combining points that are similar into a single point.

  1. After you display the scatter plot, draw a box around the area to downsample.

  2. When you are finished downsampling, select Filtered to remove the Downsample filter.

Stacked area chart

A stacked area chart displays the change of value for several groups on the same graphic, with the values of each group displayed on top of each other.

Stacked area chart

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The following are stacked area chart options:

Option Details

X-Axis

The column data to display along the x-axis.

Y-Axis

The column data to display along the y-axis.

Absolute

Displays the absolute values of the column data along the y-axis.

Percentage

Displays percentages of the column data along the y-axis.

Dimensions

The columns to display.

Areas

The groups within the column to stack in the display.

To add a stacked area chart:

  1. Retrieve the data you want to explore.

  2. Select Visualization Controls and select Stacked Area Chart.

  3. Select ··· in the upper-right of the visualization, and choose the options, including the groups to include in the chart.

Sparkline group

A sparkline group is a graph derived from one cell in a table and gives you information about that data. Use a sparkline group to show trends in a series of values, such as seasonal increases or decreases, or to highlight maximum and minimum values.

Sparkline group

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The following are sparkline group chart options:

Option Details

Dimensions

The column data to display along the x-axis.

Metric

The column data to display along the y-axis.

Order by

Orders the display: High Metric, Low Metric, High Change, or Low Change.

Max Lines

The maximum number of lines to display. Select Max Lines > Show All to show all the lines. Enter a number to change the maximum number of lines.

Active Date

The date range to display in the chart. Use the Date Navigator to change the active date.

To add a sparkline group:

  1. Retrieve the data you want to include.

  2. Select Visualization Controls and select Sparkline Group.

  3. Select ··· in the upper-right of the visualization, and choose the options.

Single number

Use a single number visualization to display an aggregation generated from your data in a report.

Single number

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The following are single number options:

Option Details

Dimensions

The column to use as basis for the calculation.

Aggregation

The aggregation type to apply: count, average, sum, min, or max.

Header

The text to display above the number. Select Header and enter the text.

Description

The description to display between the header and number.

Round

Removes the decimal and rounds to the nearest whole number.

To add a single number:

  1. Retrieve the data you want to include.

  2. Select Visualization Controls and select Single Number. DiVA chooses the most likely column.

  3. Select ··· in the upper-right corner of the visualization and select the options described above.

  4. Select Save.

Text

Use a text visualization to display any text in your report. Text visualizations support markdown.

Text

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To add text:

  1. Select Visualization Controls and select Text.

  2. Select ··· in the upper-right corner of the visualization and select Edit Text.

  3. Edit your text.

  4. To save the text, select Save.

Admin

The Admin pages allow you to manage access to DiVA. On the Admin pages you can:

  • View user information.

  • Add users and edit user information.

  • Define user roles.

  • Enable and disable users.

  • Impersonate users.

User Management

The User Management page displays information for all current DiVA users. To open the User Management page, select Admin on the menu bar. The User Management page lists current users along with the following information:

Column Description

Email

The user’s email address. An invitation to join is sent to this address.

Status

The user’s status: Active or Disabled.

Slack handle

The user’s Slack handle, if any.

First name

The user’s first name.

Last name

The user’s last name.

Org name

The user’s organization.

Org type

The type of organization, such as Customer, Bank, or Card Network.

Programs

Programs whose information the user can view.

Role

The user’s role: Viewer or Admin.

Department

The user’s department within in the organization.

Supplements

Supplemental level of data control for the user, if any: Detail or PII.

Date created

The date when the user was added.

Date updated

The most recent date when the user’s information was updated.

Filtering by column

To filter rows by column, enter the sequence of letters you want to filter on in the text box at the top of the column. As you type, the matching rows are filtered dynamically.

Adding users

To add a user:

  1. On the User Management page, select Invite new user.

  2. In the popup window, enter the user’s information. For Role, choose a one of the roles described in the Roles section below. For Department, choose one or more described in the Departments section below.

  3. Select Invite User. The user receives an email invitation to join.

Note
By default, access to personally identifiable information (PII) is denied. Access can only be granted with accordance to your company and the issuing bank’s privacy and information security policies.

If a user needs access to PII, submit a request to analytics@marqeta.com providing user information along with brief but complete explanation of why PII access is needed. For example, "Customer service rep needs PII access to resolve customer KYC issues." Users should be granted the lowest level of access required to fulfill their job responsibilities. If you have any questions, contact your Marqeta representative or send your question to analytics@marqeta.com.

Resending an invitation

To resend an invitation:

  1. On the User Management page, select the row for the user.

  2. In the Edit User window, select Resend Invite.

Editing a user’s information

To edit a user’s information:

  1. On the User Management page, select the row for the user.

  2. In the Edit User window, update any of the user’s basic information, or add and remove programs, departments, roles, and supplements as necessary.

  3. Select Save.

Enabling and disabling users

To disable or enable a user:

  1. On the User Management page, select the row for the user.

  2. To disable an active user, select Disable User in the Edit User window, and then select Save. The status for that user changes to Disabled in the Status column. To enable a disabled user, select Enable User and then select Save. The user’s status changes to Active.

To impersonate a user

If you have the Admin or Support role, you can impersonate some user as described in the Roles section below. To impersonate another user:

  1. On the User Management page, select the row for the user.

  2. In the Edit User window, select Act as <user_name>. The DiVA app as seen by the selected user is displayed, where you can act as that user.

  3. When you have finished, select End at the bottom of the page.

Roles

The Roles page shows the roles that can be assigned to DiVA users. The roles assigned to a user determines what privileges are available to a user. Users can be assigned the following roles:

Column Description

Admin

Can create and modify Viewer and Support accounts with the same domain names as their own, revoke their credentials, impersonate users that they have provisioned, and view reports.

Support

Can view reports and impersonate other users with the Viewer privilege in the same program as their own.

Viewer

Can only view reports.

Departments

The Departments page shows the departments for a typical organization. You can assign one or more departments to a user. The following departments are available:

Column Description

Analytics

Works with data to interpret patterns and trends to improve business decision-making, reduce fraud, and provide deeper business insights.

Business Development

Creates long-term value by interpreting markets, customers, and business relationships.

Compliance

Ensures that the organization complies with applicable laws and regulations, helping preserve the organization’s integrity and reputation.

Customer Service

Assists customers in making effective use of company products.

Customer Success

Proactively ensures that customers successfully and efficiently use the company’s products.

Engineering

Researches, designs, and implements the technical development of financial products.

Finance - Other

Manages company finances, including financial planning, auditing, accounting, and produces financial statements.

Finance - Settlement

Ensures that funds transferred between the merchant’s and the card user’s bank are successfully concluded. Additionally, the Settlement team reconciles the daily drawdowns from card networks to internal data to ensure appropriate funds movement and identifies exceptions in internal transactional data.

General

Business activities that do not fall within a specific business department.

Human Resources

Responsible for employee well-being, including payroll, benefits, hiring, firing, and staying up to date with tax laws.

Legal

Provides legal advice on business issues, drafting commercial agreements, ensuring the company complies with applicable laws and regulations, and prepares required legal documents.

Marketing

Researches markets and potential customers, promotes the company business, and drives sales of company products and services.

Operations

Manages the strategic and day-to-day production of products and the delivery of services.

Product Management

Manages a product through all stages of the product lifecycle, including the people and processes required to produce the product or service.

Program Management

Manages several projects with the intention of coordinating diverse efforts and improving the company’s performance.

QA

Tests company products and services in order to prevent errors and defects.

Sales

Sells company products by building relationships with customers, matching them with the company’s products and services, and providing a direct link between the company’s product or service and its customers.

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