Authorize every transaction in real time
Approve or deny each transaction in real time based on your business logic
Better cash flow management
Fund cards in real time. Each card maintains a $0 balance until you authorize the release of funds
Inject custom metadata into each transaction that will match your order or ledger system records
Managed JIT allows you to define when, where, and how much a cardholder can spend with their card ahead of time. You cannot allow or deny individual transactions as they happen.
In this option, you control each transaction as it happens. When Marqeta gets an authorization request from the network upon card swipe, it sends a message containing transaction details to your gateway endpoint. Your system will decide whether to allow or deny the funds based on your business rules. In your response message, you can inject new metadata into the transaction that will later help you with reconciliations.
Commando Mode for Gateway JIT
If you choose Gateway JIT, you can ensure business continuity even if your infrastructure suffers under unusually high transaction volumes or experiences outages. Invisible to your cardholders, Marqeta authorizes and funds your transactions using pre-established business rules and stores any unsent webhooks for later transmission, ensuring that the card state and account balances correspond with activity that occurred while Commando Mode was in effect.
“A traditional prepaid card processor would decide whether payments will be authorized, but Just-in-Time Funding from Marqeta puts us in control and lets us decide whether to approve each transaction. Empowering us in this way gives us more control over fraud risk and allows us to achieve better cash management for real, bottom-line results.”
|Read case study|