{"id":"05149a20-f4e8-4cc9-93a8-844ccca0c6e3","task":"Configure Marqeta JIT (Just-in-Time) funding for a debit card program with real-time authorization decisions","domain":"banking-general","steps":["Set up a JIT funding gateway URL in the Marqeta dashboard or via the program API; this is an HTTPS endpoint you control that Marqeta will call synchronously during each authorization","When an authorization occurs, Marqeta POSTs a JIT funding message to your gateway with transaction details (amount, merchant, card token, user token) within the required sub-second response window","Your gateway evaluates the authorization in real time (check available balance in your ledger, run spend controls, evaluate fraud signals) and responds with a JSON body: approved=true/false and optionally a custom error code if declined","If approved, immediately debit the user's balance in your internal ledger for the authorized amount; when the clearing transaction arrives (typically 1–3 days later) reconcile the cleared amount against the authorization hold","Handle authorization reversals and partial-clearing: when clearing amount differs from auth amount, release or capture the difference in your ledger","Configure timeout behavior — if your JIT gateway does not respond within Marqeta's timeout, Marqeta can be configured to auto-approve or auto-decline; choose based on your fraud vs. availability tradeoff"],"gotchas":["Your JIT gateway must respond within Marqeta's strict SLA (typically under 2 seconds); use a low-latency in-memory balance store, not a database round-trip, as your balance check","JIT funding ties your uptime directly to card transaction approval rates; any downtime in your gateway results in declined transactions for cardholders — implement redundancy and a circuit-breaker fallback policy","Marqeta sends both authorization and clearing messages; only charge the user on clearing, not on the initial auth message, to avoid double-charging when auth and clear amounts differ"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:40:37.260Z"},"url":"https://mcp.waymark.network/r/05149a20-f4e8-4cc9-93a8-844ccca0c6e3"}