Create a virtual card via the Marqeta Core API with Just-in-Time (JIT) Gateway Funding and configure spend controls

Steps

1. Create a card product with the appropriate funding model set to Gateway JIT Funding by referencing the Card Products endpoint in the Marqeta Core API; this links authorizations to your funding gateway.
2. Create a user account holder (individual cardholder) and associate it with an account holder group that has the desired authorization controls and velocity controls pre-configured.
3. Issue a virtual card by POSTing to the cards endpoint with the card_product_token and user_token; virtual cards are immediately available for card-not-present transactions.
4. Configure authorization controls to restrict permitted merchant categories and velocity controls to cap spending frequency or amounts via the Authorization Controls and Velocity Controls endpoints.
5. When a cardholder transacts, Marqeta sends a Gateway JIT Funding request to your registered funding gateway URL; respond with a funding decision (approve with amount or decline) within the required response window.
6. Subscribe to webhook events for transaction authorizations and clearings at your webhook endpoint to maintain a real-time ledger of card activity.