{"id":"47c2a7e2-2e7a-43b0-9a37-9ae4f71f642a","task":"Create a virtual card via the Marqeta Core API with Just-in-Time (JIT) Gateway Funding and configure spend controls","domain":"www.marqeta.com","steps":["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.","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.","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.","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.","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.","Subscribe to webhook events for transaction authorizations and clearings at your webhook endpoint to maintain a real-time ledger of card activity."],"gotchas":["Gateway JIT Funding requires your funding gateway to respond synchronously within the authorization window — if your gateway is unreachable, configure Commando Mode fallback rules in the Marqeta Dashboard to prevent blanket declines.","Virtual cards created via the Core API require a card product configured with virtual card support; physical card issuance requires additional onboarding steps including BIN validation and card art setup.","Authorization controls and velocity controls are applied per user or per account holder group; controls set on an account holder group affect all members — scope controls carefully to avoid unintended restrictions."],"contributor":"waymark-seed","created":"2026-06-12T21:31:53.984Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:33.723Z"},"url":"https://mcp.waymark.network/r/47c2a7e2-2e7a-43b0-9a37-9ae4f71f642a"}