Onboarding

Marqeta Powered Responsibility Matrix

Responsibility Matrix

Responsibility
MQ
Customer
Notes
Network Program Setup
Maintain network processor certification and endpoint hosting
X
Obtain network membership
X
Define parameters of program
X
Obtain network approval for program
X
"PIF" for Visa, "RPP" for Mastercard
Provide templates for Network BIN installation and Settlement paperwork
X
IQ for Visa; APW for Mastercard
Request BIN from network
X
Ensure network billing parameters are established
X
"GMBS" for Visa
Define settlement reporting hierarchy
X
"SRE" for Visa, Not applicable for Mastercard
Establish network settlement account/process
 
X
"FTSRE" for Visa
Install BIN
X
X
Customer to ensure network BIN installation is complete
Own ongoing network relationship
X
Maintain network relationship in processor capacity
X
 
 
Refine program definition for future iterations
 
X
 
Generate and provide quarterly reports to networks (“operating reports”)
X
"QMR" for MasterCard, "operating certificates" for Visa
Exchange encryption keys with network
X
 
 
Manage VAU (Visa Account Updater) and ABU (Account Billing Updater), if applicable
X
 
Privacy & Compliance
Adhere to applicable legal and compliance laws and regulations
 
X
Adhere to applicable network regulations and mandates
X
Includes premium BIN or card product mandates enforced by the network (e.g., 24/7 card replacement, concierge services, minimum credit line offered, etc.)
Maintain PCI compliance
X
X
In Party’s respective roles under this Agreement
Perform sanctions checking (including OFAC)
X
Program manager and bank are responsible for regulatory compliance
Perform PEP checking
 
X
Same as sanctions, program manager and bank are responsible for regulatory compliance
Perform consumer KYC/CIP
X
Program manager and bank are responsible for the consumer KYC/CIIP 
Perform AML monitoring
X
Program manager and bank are responsible for regulatory compliance (e.g., BSA)
Perform fraud monitoring
X
 
Maintain compliance with jurisdictional privacy regulations (e.g. GDPR, CCPA, etc.)
 X
X
Customer is primarily responsible, but each party is responsible to the extent required with respect to the party’s specific role
Environment Configuration
Determine standard environment configurations
X
Stand up dedicated production environment
X
 
Enable SFTP for network files transfer.
X
X
SFTP must be hosted by either Customer or Issuing Bank 
Implement standard configurations in environment
X
Marqeta Powered customers have “Program Manager” access to provision Manage Accepted Countries, Card Products, MCCs, Velocity Controls, Funding Sources, Users, Cards
Create and configure card product
 
X
 
Generate and provide sandbox credentials
X
 
Generate and provide production credentials
X
 
 
Provide configuration & development advisement
X
 
 
Provide Gateway testing guidance
 X
 
Empowers customer to validate Gateway JIT logic by proposing simulated transactions to be performed in sandbox with expected responses
Perform JIT Gateway certification
X
 
Marqeta runs scripts to test gateway responses and handling of informative notifications prior to program launch
Card Fulfillment
Own relationship with card fulfillment provider
 
X
Vendor supported by Marqeta (Idemia, Perfect Plastics and Arroweye) 
Maintain integration with card fulfillment provider to pass card order / personalization data and receive confirmation / response files
X
 
Select profile for card fulfillment
X
If requested profile is not supported by Marqeta, additional scoping and cost may apply to develop and certify the card profile 
Implement profile with card fulfillment provider
X
 
If requested profile is not supported by Marqeta, additional scoping and cost may apply to develop and certify the card profile
Define and submit card art for approval
 
X
 
Create and submit card design proof for approval
X
Submit new card package request to provider
X
Customer will be responsible for updating card product ID(s) with new package ID
Transmit data to card fulfillment provider for manufacturing
X
 
 
Test cards when printed / manufactured
 
X
 
Submit and manage card expedite requests
 
X
 
Identify and resubmit file exceptions (e.g. rejects)
 X
X
If customer needs to modify or reformat what has been submitted, this requires customer involvement for Marqeta to submit  
Manage card inventory
X
Fraud Management
Perform ongoing transaction monitoring, maintaining fraud alerts and rules
 
X
 
File SARs (Suspicious Activity Reports)
 
Suspend or close accounts suspected of fraud
X
 
Dispute Management
Provide tools and training on initiating and managing disputes
 X
 
Marqeta will provide options to the program manager/customer to mark a transaction as disputed and make changes to the account like provisional credit, full credit, etc. (aka adjustment postings)
Mark transaction as disputed and perform account level changes
 
Customer is responsible for marking a transaction as disputed and kickoff the subsequent process at their end and making any changes to the credit account (like provisional credit, full credit, etc.) 
Initiate disputes
X
 
Manage chargebacks
X
If customer elects to use Marqeta's dispute management service, additional cost and agreements will apply
Core Processing
Approve or decline transaction based on credit account data in the system of record
X
Provide authorization detail with context and time to allow participation in approval/decline decision
X
 
Approve or decline transactions via Network Stand in Processing (Network STiP)
X
Approve or decline transactions via Marqeta Stand in Processing (Commando Mode)
X
 
 
Approve or decline transaction via gateway response
 
X
 
Set MCC/MID blocks as desired for control
X
Set and/or update PIN
X
Note: Marqeta does not support PIN reveal, but PIN can be set prior to manufacturing and updated online
Set spend limits via velocity controls
X
Spend limits can be set by week/month/year or number of days on the MQ side, or any such limits can be set in the JIT gateway https://www.marqeta.com/api/guides/controlling-spending
Assess cardholder fees
 
X
Marqeta can pass through network FX to cardholder if desired (no markup) and acquiring fees, other fees would need to be defined on the Marqeta credit product/account level implemented- partner-side
Allow/block specific merchants
 
X
MCC/MID blocks may be set by Marqeta, alternatively they may be set in the JIT gateway logic https://www.marqeta.com/api/guides/controlling-spending
Facilitate direct deposits
X
Not available per issuing bank / Marqeta capability 
Settlement & Reconciliation
Fund network settlement account in partnership with issuing bank
 
X
Customer will determine amount required based on Marqeta data and settlement data from network 
Provide information on consumer accounts, including updates for activities inside and outside Marqeta's platform that impact balances
 
 X
Customer or program manager should update the account with financial activity (e.g., cash, checks, rewards, etc.) that are not done using Marqeta platform 
Reconcile with network and issuing bank
X
Marqeta provides multiple data options, and customer reconciles to identify exceptions and validate amounts 
Process and post network clearing files
X
 
Includes webhooks
Deliver agreed-upon network reports
 
Marqeta delivers network reports daily to Customer SFTP, which are limited to a set of supported options; other reports require scoping and may incur added cost  
Support single currency settlement for program BIN
X
 
Multicurrency is not available 
Settle with network in partnership with issuing bank
X
 
Manage billing and invoice payment for vendors (KYC, card fulfillment, etc.)
X
 
Support
Provide support to end users
 
X
 
Provide technical support for escalated issues
 X
 
Marqeta provides support to customer, not to other users or partners unless escalated directly by customer
Resolve network file transmission/format issues
X
 
 
Facilitate and confirm resolution of file transmission/format issues
 
Marqeta will update files as needed to retry, but coordination with network partners and tracking of effort should be managed by customer
Manage change requests for file formats
 
Customer must propose format changes; these may require scoping and incur additional cost
Provide data for external audits
 
 X
 
Digital Wallet & Tokenization
Integrate with digital wallet provider APIs for push provisioning
X
Available on Google Pay and Apple Pay only 
Integrate with Marqeta digital wallet APIs to provision and transition digital wallet tokens
X
Available on Google Pay and Apple Pay only 
Enroll in tokenization with network
X
Example: For Visa, this includes Numerics, VCMM, VRM https://www.marqeta.com/api/guides/provisioning-digital-wallet-tokens 
Execute agreements with digital wallet providers
X
X
In Party’s respective roles under this Agreement
Maintain digital wallet certifications with network
X
Example: HCE and SecureElement
Secure approval from digital wallet providers
X
Define step-up methods
X
Mastercard allows for call center exemption, but two methods are still required. i.e., sms and email OTP.
Support step-up authentication
X
 
 
Provide implementation guides for push provisioning
 
Marqeta offers implementation guides for both the Marqeta APIs and wallet providers (Apple Pay and Google Pay)
Supply configurations impacting provisioning decisions
 
X
 
Facilitate provisioning decisions based on configurations
X
 
Generate and send required reporting to digital wallet providers
 
Reporting requirements defined in issuer/program manager agreements reached between Customer and the supporting digital wallet
Provide digital wallet test criteria
 
Marqeta provides test cases and criteria to Customer that fulfills Digital Wallet exit requirements for Launch  

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