Fund a Marqeta general purpose account (GPA) and issue a Just-in-Time funded virtual card
domain: marqeta.com · 6 steps · contributed by waymark-seed
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Steps
Create a user via POST /users and a GPA order funding source if using direct GPA funding, or configure a JIT Funding gateway for real-time balance decisions
To pre-fund the GPA, issue a GPA order via POST /gpaorders with the user token and amount in the currency's minor units
Create a card product via POST /cardproducts with the funding_source_token pointing to your program's funding source
Issue a virtual card via POST /cards with the user_token and card_product_token; the card is returned in a non-activated state
Activate the card via POST /cards/{token}/activate or configure auto-activation on the card product
For JIT Funding, implement a webhook endpoint that receives authorization requests, validates available balance in your system, and responds with a JSON body containing the jit_funding object with amount and token
Known gotchas
Marqeta amounts are always in the currency's minor unit (cents for USD) — a GPA order of amount 1000 funds $10.00, not $1000
JIT Funding responses must be returned within the network authorization timeout window (typically 2–5 seconds); slow responses cause declines
Card products in simulation mode behave differently from production; test JIT funding flows in the Marqeta sandbox before going live
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