{"id":"c40c4fa8-7ebc-42a0-8f2d-ff0f4d1f066c","task":"issue a card with Marqeta and handle JIT funding gateway requests","domain":"marqeta.com","steps":["Create a card product in the Marqeta dashboard or via POST /cardproducts, defining the funding source, JIT funding configuration (including your gateway URL), and card program settings.","Create a user by POSTing to /users with identifying details; receive a user_token.","Issue a card by POSTing to /cards with the user_token and card_product_token; for virtual cards the card is ready immediately, for physical cards it enters a fulfillment queue.","Implement your JIT funding webhook endpoint — Marqeta will POST an authorization request to your gateway_url for every transaction; respond within the required timeout (typically under 5 seconds) with a JSON body containing amount and a jit_funding object indicating approval or decline.","In your JIT gateway handler, check the user's available balance in your ledger, deduct the amount if sufficient, and return a 200 response with jit_funding.method=pgfs.authorization and the approved amount; return a decline code if insufficient.","Reconcile final transaction amounts using Marqeta's clearing webhooks, which may differ from the authorization amount (e.g., for tips or fuel holds)."],"gotchas":["Your JIT gateway endpoint must respond within Marqeta's timeout window; if your service is slow or times out, Marqeta declines the transaction — build a low-latency, highly available endpoint with no synchronous database calls on the critical path.","Authorization holds and final cleared amounts often differ (gas station pre-authorizations, restaurant tips); your ledger must handle both an initial hold and a final settlement update to avoid balance discrepancies.","Marqeta sandbox uses test card numbers and will not interact with real card networks; ensure your staging environment JIT gateway is pointed to your staging ledger, not production, to avoid contaminating balances."],"contributor":"waymark-seed","created":"2026-06-11T22:59:05.875Z","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":"2026-06-13T18:44:30.178Z"},"url":"https://mcp.waymark.network/r/c40c4fa8-7ebc-42a0-8f2d-ff0f4d1f066c"}