Card Network Certifications 2024

Card Network Certifications

Card Network Certifications are a collection of standards and protocols set by the card networks such as Mastercard, Visa, Pulse, and Discover. These certifications ensure that all transactions processed through these card networks meet their specific requirements, as related to topics including security, data handling, and interoperability. Changes to these certifications are typically communicated through technical documents provided by the card networks to Marqeta four times a year (two major and two minor updates).

October 2024

Visa network certification

The Marqeta platform is certified with the October 2024 VisaNet Business Enhancements, effective 18 October 2024.

Marqeta changes to support this release of Visa

Effective 18 October 2024, Visa supports the new Zimbabwe Gold alpha currency code ZWG and numeric currency code 924. You will see these new currency codes in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests. Effective 19 October 2024, Visa implements mandatory changes to Visa Resolve Online, Release 24.2. VROL Release 24.2 includes mandatory changes to the Disputes rules and questionnaire.

Changes to Dispute Condition 13.1: Merchandise/Services Not Received

Visa updated this dispute category as follows:

Currently, issuers are required to wait 15 calendar days from the date a merchant canceled goods or services before processing a dispute. Visa clarified that the 15-calendar-day waiting period does not apply if the merchant is insolvent or bankrupt.
To remove confusing requirements for disputes where the merchandise was delivered to an incorrect location, Visa no longer requires confirmation that the cardholder attempted to return the merchandise. Issuers must still provide the date the cardholder returned (or attempted to return) the merchandise if the merchandise was delivered late.
For disputes related to non-receipt of travel services from a provider that is insolvent or bankrupt in the Europe region: If the services are covered by a bonding authority or insurance scheme, the cardholder or traveler (or the issuer on behalf of the cardholder or traveler) must attempt to obtain reimbursement from the relevant bonding authority or insurance scheme. Visa requires the issuer to provide details of the advice or guidance that was given to the cardholder or issuer by the bonding authority or insurance scheme during the attempt for reimbursement.
For airline transactions, when responding to a dispute, Visa has clarified that the acquirer must supply evidence to show that the flight departed if the cardholder is disputing that the flight did not take place.
For disputes related to future services, when responding to a dispute, Visa has clarified that the acquirer must supply evidence to show that the merchant did not cancel, and that the services were available.
Changes to Dispute Condition 13.3: Not as Described or Defective Merchandise/Services:

Effective in all regions for disputes processed on or after 19 October 2024, the cardholder must return the merchandise or cancel the services. Visa requires issuers to include one of the following reasons for why the return was unsuccessful when processing a dispute. An attempt to return is only valid when the merchant:

Refused the return of merchandise
Refused to provide a return merchandise authorization or label
Instructed the cardholder not to return the merchandise
No longer exists or is not responding to the cardholder
Did not provide clear instructions on how to return the merchandise

The following table summarizes the changes to the questionnaire:

Reason Code	Questionnaire Changes
`11.x`	The new question “What is the status of the account?” is required for `11.x Authorization` disputes. Valid responses to this question are: - AC: Account Closed - CP: Credit Problem - F: Fraud
`12.1`	Effective 19 October 2024, the dispute reason code `12.1 Late presentment` is no longer supported. Late presentment is dropped from the processing error disputes category. You must route late presentments as `11.3` disputes.
`12.6`	The question “Did the cardholder attempt to resolve the dispute with the merchant?” is now required for all `12.6 paid by other means` disputes.
`13.1`	The new question “Is merchant in bankruptcy/liquidation?” is required for `13.1 Non-receipt of merchandise/services` disputes. Valid responses are “Y” and “N.” The new question “Was the merchandise delivered late?” is required if the response to “What was not received?” is “Merchandise.” Valid responses are “Y” and “N.” The new question “Was non-fiat currency or non-fungible token(s) not successfully delivered to the destination wallet address supplied by the cardholder at the time of the transaction?” is required when “What was not delivered?” is “Services.” Valid responses are “Y” and “N.” The field “Provide the address of the agreed location or details of the late delivery:” is displayed and required if the response to either “Was the merchandise delivered late or to the wrong location?” or “Was the merchandise delivered to the incorrect location?” is “Y.” The question “Did the cardholder return the merchandise?” is required when the response to “Was the merchandise delivered late?” is “Y.” Valid responses are “Y” and “N.”
`13.2` `13.3` `13.7`	For `13.2 Cancelled recurring transactions`, `13.3 Not as described/defective/quality`, and `13.7 Cancelled merchandise/services` disputes, you must include text asking the agent to provide supporting evidence when initiating prearbitration.
`13.3`	For `13.3 Not as described or defective merchandise/services` disputes, the new question “Was non-fiat currency or purchase of non-fungible token(s) (NFT), the non-fiat currency or non-fungible token received by the cardholder did not match the description provided at the time of the transaction?” is required if the response to “Not as described” and “What was not received?” is “Services.” Valid responses to this question are “Y” and “N.” New allowable responses for “Provide certification of one of the following” are included when the response to “Not as described” and “What was not received?” is “Merchandise” and the response to “Did cardholder attempt to return?” is “Y.” The allowable responses under these conditions are: - MNLER: Merchant no longer exists or is not responding - MNPCIR: Merchant did not provide clear instructions on how to return
`13.3` `13.7` `13.5`	For `13.3 Not as described or defective merchandise/services`, `13.7 Cancelled merchandise/services`, and `13.5 Misrepresentation` disputes, a question has changed from “Provide a detailed description of how the cardholder attempted to return and the disposition of the merchandise” to “Provide a detailed description of how the cardholder attempted to return merchandise.” A new field “What is the disposition of the merchandise?” is displayed and required if the response to “Did the cardholder attempt to return the merchandise?” is “Y.” The field for this response supports 5000 characters maximum.

Effective 18 October 2024, Visa implements a new feature that allows issuers to unblock a primary account number (PAN) that has been blocked by the Payment Fraud Disruption service. To support this mandate, Marqeta will create a process for you to follow to unblock PANs. Development of this feature is still ongoing. This note will be updated with more detail when development is complete.

Effective 18 October 2024, Visa introduces new interregional and regional fee programs for certain money transfer account funding transactions in the Asia-Pacific (AP), Central Europe, Middle East, and Africa (CEMEA), and Latin America and Caribbean (LAC) regions. To support this mandate, Marqeta adds the following new account funding transaction types: AFT_OR_OCT_ELIGIBILITY, CONSUMER_BILL_PAYMENT, REQUEST_TO_PAY. For more information about account funding transaction types, see Transactions.

Effective 18 October 2024, Visa implements changes to support new enhancements in account funding transactions and original credit transactions. To support this mandate, Marqeta now includes the account_owner and payment_facilitator objects in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests. In addition to these new objects, Marqeta now includes the following new fields in the acquirer object in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests:

city
country_code
merchant_street_address
name
postal_code
state
street_address

For more information on these new objects and fields, see Transactions.

Effective 18 October 2024, Visa implements changes to require certain sender and recipient data for cross-border money transfer account funding transactions to contain the business application identifier value of WT (Wallet Transfer). You will see this sender and recipient data in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests.

Effective 18 October 2024, Visa implements changes to the V.I.P. System to identify issuer token notification messages for expiration date updates to primary account numbers (PANs) and e-commerce and card-on-file tokens that are originated by the Issuer On Behalf Of (OBO) Credential Update Service. Visa’s OBO Credential Update Service enhances authorization rates by updating PAN and token credentials and thus avoiding declines due to expired payment credentials. Visa now differentiates between PAN and token credentials that were updated using the OBO Service rather than issuer-initiated updates.

Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements a new tag to indicate that a transaction does not meet the Visa Secure authentication data quality requirements. To support this mandate, Marqeta now includes the three_ds_data_quality field in the cardholder_authentication_data object in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests. The possible values for this field are SUFFICIENT_DATA and INSUFFICIENT_DATA.

Effective 18 October 2024, Visa implements changes to add support for the new Visa Secure Smart Attempts service processing. Visa sends a new value in the authorization message if the transaction is low risk and below low payment amount thresholds, as defined by Visa on behalf of the issuer in one of the following conditions:

The issuer’s access control server (ACS) is unavailable
The issuer’s account is not enrolled in Visa Secure
An ACS is not defined for a given account range

To support this mandate, Marqeta now includes the 3D Secure indicator value FRICTIONLESS_SMART_ATTEMPTS in the 3ds_authentication_method object in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests. For more information about the 3D Secure indicator value, see Transactions.

Effective 18 October 2024, Visa implements changes to support a new Business Application Identifier value for account funding transactions and original credit transactions. To support this mandate, Marqeta adds the new account funding transaction types LIQUID_ASSET. For more information about account funding transaction types, see Transactions.

Effective 18 October 2024, Visa is introducing a new service called Tap to Add Card, which extends the Visa Chip Authenticate Service to token provisioning from wallet apps on mobile devices. Issuers that choose to participate in the new service will be able to differentiate Tap to Add Card provisioning requests from other types of provisioning requests. Issuer participation is optional, but only issuers that participate will have the credential chip data validated during token provisioning originated with Tap to Add Card. When using Tap to Add Card, cardholders are prompted to tap their cards, and then are prompted to manually enter the CVV2 value. Visa does not attempt to authenticate the EMV application cryptogram. The cryptogram and the data used to create the cryptogram are not forwarded to the issuer.

Visa changes with no impact on your card program

Effective 18 October 2024, Visa requires issuers in Canada, including all provinces and territories, and all remaining European countries to support the Address Verification Service. Marqeta already supports the Address Verification Service globally and performed no additional development to support this mandate.

Effective 18 October 2024, Visa implements changes to allow cross-border and Europe domestic Visa Direct account funding transactions and original credit transactions to qualify for the Visa Direct Strategic Fee Program. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements changes to support a new merchant category code: MCC 3840: Rio Hotels. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, acquirers are required to support the enabler verification value (EVV). In addition, Interlink issuers may choose to support the EVV. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa introduces a new Authorization Characteristics Indicator value. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements changes to the Visa Chip Authenticate service to support online card authentication method validation for account verification request messages in the Canada, Latin America and Caribbean (LAC), and U.S. regions. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa is implementing changes to support fuel transactions that involve multiple fuel codes. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 31 May 2024, Visa implemented changes to support an expected clearing date to allow participating acquirers and issuers to receive the Visa-derived maximum processing date. This change allows acquirers to request an extension of up to 30 days to the authorization clearing period for certain cardholder-initiated card-not-present transactions. It also allows issuers to receive the extended authorization request.

When an acquirer requests an extended authorization clearing, Marqeta allows for an extended authorization period of up to 30 days for clearing to take place.

Effective 18 October 2024, Visa introduces the maximum_processing_date field. This field indicates the date by which the extended authorization must clear. The field is populated by Visa before an authorization request is sent to the issuer and will be returned to the acquirer in the authorization response.

Visa is making a concerted effort to improve the VisaNet Business Enhancements Release process for major releases in April and October and the minor releases in January and July. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective with the April 2024 release, Visa announced changes to the VisaNet Business Enhancements Global Technical Letter and Implementation Guide with regard to the new structure and placement of the tag-length-value (TLV) V.I.P. fields and their contents. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Visa continues the ongoing process of modernizing the payments industry terminology used in the VisaNet technical specification manuals. Endpoints should continue to expect to see terminology changes as new versions of the VisaNet Technical manuals are released in 2024. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements changes to allow Canadian domestic Consumer Bill Payment Service transactions to qualify for any applicable fee program. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, issuers in the Canada region that participate in EMV 3D Secure may optionally participate in the Visa Secure Digital Authentication Framework program. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements a new indicator to identify back-to-back funding transactions on a general purpose card as account funding transactions in the European Economic Area countries and United Kingdom, including Gibraltar. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements changes to provide the expanded Visa Workplace Benefits product for prepaid domestic purchase transactions in the European region. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa updates the fee edit criteria requirements for the existing Business Card — Level 2 fee program to incorporate a new value in the Type of Purchase field. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa changes the fee edits that apply to Visa Corporate and Visa Purchasing (including fleet) credit purchase transactions with fuel data from fleet and fuel merchants. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements changes to allow U.S. domestic Visa Direct account funding transactions and original credit transactions to qualify for the Visa Direct Strategic fee program. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements a new U.S. domestic client-to-client fee program, including fee descriptor, fee program indicator, and rate for Visa+ original credit transactions. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa implements changes to allow U.S. domestic Consumer Bill Payment Service (CBPS) transactions to qualify for non-CBPS interchange fee programs. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Visa introduces a new private bilateral agreement program. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Mastercard network certification

The Marqeta platform is certified on Mastercard Release 24.Q2, effective 18 October 2024.

Marqeta changes to support this release of Mastercard

Effective 5 November 2024, Mastercard is introducing the ability to identify consumer multi-use virtual card numbers not generated by Mastercard on Account Status Inquiries. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 5 November 2024, Mastercard is introducing the FAST_REFUND transaction type identifier for MoneySend Fast Refunds to original card payment transactions. You will see this transaction type in the original_credit object in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Mastercard is introducing geographic coordinates for the acceptor and service location to enhance the value and transparency of transaction data. To support this mandate, Marqeta now includes two new fields in the card_acceptor object: geographic_coordinates and service_geographic_coordinates. You will see these fields in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests.

Effective 18 October 2024, Mastercard is enhancing authorization and clearing messages to include a Mastercard Assigned ID for qualified installment transactions where the merchant has agreed to participate in the Mastercard Installments Program in Australia. You will see this value in the network_assigned_id field in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests.

Effective 18 October 2024, Mastercard supports the new Zimbabwe Gold alpha currency code ZWG and numeric currency code 924. You will see these new currency codes in the transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests.

Mastercard changes with no impact on your card program

Effective 5 November 2024, Mastercard is modifying the population of Account Level Management Service Data on all qualifying transactions. You no longer need to opt-in to receive the ALM Service Data in qualifying authorization and clearing messages. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Mastercard is enhancing its clearing processing to validate transaction compliance for consumer credit interchange programs participating in the Canada region’s Qualified Small Businesses Interchange program. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 16 October 2024, Mastercard is further protecting cardholders by limiting exposure to the Primary Account Number (PAN) in the acceptance environment for tokenized transactions by limiting exposure to the full PAN. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

This announcement describes the miscellaneous core system changes that occur with Release 24.Q4. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 5 November 2024, Mastercard is repurposing the previously reserved data element 119. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Mastercard is enhancing processing for consumer non-reloadable prepaid products by ensuring that merchant advice codes are present in financial transaction request response messages. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Mastercard is assigning the leading indicator kW and repurposing the leading indicator kG to the Accountholder Authentication Value (AAV) suite of values. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Mastercard is ensuring the Business Service Arrangement (BSA) transaction qualification criteria for BSA levels one and two correspond with the interchange rate designators in the U.S. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Discover network certification

The Marqeta platform is certified with the October 2024 Discover Release 24.2, effective 18 October 2024.

Marqeta changes to support this release of Discover

In accordance with applicable law, the new merchant category code MCC 5723: GUN AND AMMUNITION STORE was made available as of 1 July 2024. The use of this MCC on our networks is acceptable where permitted or required by law, and shall not be used where prohibited. All transactions submitted to Discover must comply with all applicable laws and regulations. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Effective 18 October 2024, Discover no longer requires a separate Discover Merchant Number for debt repayment. Additionally, Discover introduces a new debt repayment transaction indicator. These changes, which ensure industry alignment and promote acceptance growth, will be effective with Release 25.1 on 11 April 2025. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

Pulse network certification

The Marqeta platform is certified on Pulse Release 24.2, effective 18 October 2024.

Marqeta changes to support this version of Pulse

Effective 18 October 2024, Pulse migrates enhanced data file (EDF) version 242 to the production environment. Processors that currently receive the EDF and plan to upgrade to either the optional or mandated file are required to initiate a project with their Pulse Relationship Manager. Marqeta has completed the development work required for this mandate, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions.

January 2024

Marqeta changes to support Mastercard

AN 2630 — Mastercard Trace ID

Mastercard supports the use of Trace ID to reference the first authorization for recurring payment transactions and merchant-initiated transactions in support of Payment Service Directive 2 Regulatory Technical Standards (PSD2 RTS) Article 14 in the European Economic Area. This change enables acquirers and issuers to provide the Trace ID from the initial authorization in recurring payment transactions, partial shipment e-commerce transactions, installment payments, and other merchant-initiated transactions.

PSD2 RTS Article 14 requires that issuers ensure a cardholder was fully authenticated via strong customer authentication (SCA) during the first authorization in a series of recurring payments, and in other merchant-initiated transactions, prior to approving subsequent authorization requests in the same series. Compliance with PSD2 RTS Article 14 helps you have greater confidence that the transaction or recurring payment arrangement was strongly authenticated as part of the initial authorization. It also improves your ability to optimize approval rate performance, manage product offerings, and enhance consumers’ digital shopping experiences.

You can find the Mastercard Trace ID in the new merchant_initiated_original_trace_id field in transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests. For more information about this field, see the Transactions API reference.