# marqeta v1.0.0 - Table of Contents

> Production-grade Elixir client for the Marqeta Core, Credit, and DiVA APIs

## Pages

- [Marqeta](readme.md)
- [Changelog](changelog.md)
- [Getting Started](getting_started.md)
- [LICENSE](license.md)

## Modules

- [Marqeta](Marqeta.md): Production-grade Elixir client for the Marqeta Core, Credit, and DiVA APIs.
- [Marqeta.Addresses](Marqeta.Addresses.md): List and manage billing addresses for users, businesses, and funding sources.
- [Marqeta.CardholderStatements](Marqeta.CardholderStatements.md): Create and retrieve cardholder statements for prepaid accounts.
- [Marqeta.CheckReturns](Marqeta.CheckReturns.md): Issue physical refund cheques when closing accounts with residual balances.
- [Marqeta.CommandoMode](Marqeta.CommandoMode.md): Commando Mode is a fallback decision system that activates when your
Gateway JIT endpoint is unreachable or too slow.
- [Marqeta.Credit.ProgramGateways](Marqeta.Credit.ProgramGateways.md): Manage program gateways for credit platform integrations.
- [Marqeta.Credit.RewardAccounts](Marqeta.Credit.RewardAccounts.md): Manage and query reward accounts linked to credit accounts.
- [Marqeta.Credit.RewardConversions](Marqeta.Credit.RewardConversions.md): Manage conversion rates applied when redeeming reward points.
- [Marqeta.Credit.RewardGlobalConfigurations](Marqeta.Credit.RewardGlobalConfigurations.md): Global reward program configuration (expiry, rounding, currency).
- [Marqeta.Credit.RewardRedemptions](Marqeta.Credit.RewardRedemptions.md): Create and retrieve reward redemptions on credit accounts.
- [Marqeta.Credit.RewardRules](Marqeta.Credit.RewardRules.md): Manage reward earning rules (e.g. 3x on dining, 1.5x on everything else).
- [Marqeta.DepositAccounts](Marqeta.DepositAccounts.md): Full lifecycle management for deposit (checking/savings) accounts.
Distinct from GPA — deposit accounts support direct deposit and ACH.

- [Marqeta.DiVA](Marqeta.DiVA.md): The DiVA (Data and Insights Visualization API) provides high-performance,
read-only access to aggregated, denormalised reporting views over all
Core API and Credit API data.
- [Marqeta.DiVA.ACHGateway](Marqeta.DiVA.ACHGateway.md): ACH gateway reporting: returns, NOCs (notifications of change), and pre-notifications.
- [Marqeta.DiVA.ACHOrigination](Marqeta.DiVA.ACHOrigination.md): ACH origination reporting: all ACH transfers originated by the program.
- [Marqeta.DiVA.ACHPending](Marqeta.DiVA.ACHPending.md): ACH pending records: transfers awaiting settlement.
- [Marqeta.DiVA.ACHVerification](Marqeta.DiVA.ACHVerification.md): ACH micro-deposit verification records.
- [Marqeta.DiVA.ActivityBalancesFundingDay](Marqeta.DiVA.ActivityBalancesFundingDay.md): GPA balance snapshots aggregated by funding day.
- [Marqeta.DiVA.ActivityBalancesNetworkDetail](Marqeta.DiVA.ActivityBalancesNetworkDetail.md): GPA balance activity broken down by network (Visa, Mastercard, etc.).
- [Marqeta.DiVA.Cards](Marqeta.DiVA.Cards.md): Denormalised card inventory records with fulfillment and lifecycle data.
- [Marqeta.DiVA.CoreAPITransactionToken](Marqeta.DiVA.CoreAPITransactionToken.md): Look up DiVA records by Core API transaction token for cross-system correlation.
- [Marqeta.DiVA.CreditAccountAdjustments](Marqeta.DiVA.CreditAccountAdjustments.md): Credit account manual adjustment records.
- [Marqeta.DiVA.CreditAccountDailyBalances](Marqeta.DiVA.CreditAccountDailyBalances.md): Daily balance snapshots for credit accounts.
- [Marqeta.DiVA.CreditCards](Marqeta.DiVA.CreditCards.md): Denormalised credit card data for credit platform accounts.
- [Marqeta.DiVA.CreditDisputes](Marqeta.DiVA.CreditDisputes.md): Credit account dispute records with resolution status.
- [Marqeta.DiVA.CreditJournalEntries](Marqeta.DiVA.CreditJournalEntries.md): Credit account journal entries: purchases, payments, fees, interest, rewards.
- [Marqeta.DiVA.CreditLedgerEntries](Marqeta.DiVA.CreditLedgerEntries.md): Credit account ledger entries with balance impact amounts.
- [Marqeta.DiVA.CreditPayments](Marqeta.DiVA.CreditPayments.md): Credit account payment records.
- [Marqeta.DiVA.CreditRewards](Marqeta.DiVA.CreditRewards.md): Credit reward accruals, redemptions, and current balances.
- [Marqeta.DiVA.CreditStatements](Marqeta.DiVA.CreditStatements.md): Credit account billing cycle statement data.
- [Marqeta.DiVA.DataDictionary](Marqeta.DiVA.DataDictionary.md): Retrieve field definitions, types, and descriptions for any DiVA view.
- [Marqeta.DiVA.PlatformResponse](Marqeta.DiVA.PlatformResponse.md): JIT Gateway performance metrics.
- [Marqeta.DiVA.ProgramBalancesSettlement](Marqeta.DiVA.ProgramBalancesSettlement.md): Program-level balance settlement data by settlement date.
- [Marqeta.DiVA.ProgramFundingBalances](Marqeta.DiVA.ProgramFundingBalances.md): Program funding source balance history.
- [Marqeta.DiVA.RTDAuthorizations](Marqeta.DiVA.RTDAuthorizations.md): Real-Time Decisioning authorization data.
Includes rule evaluation results and decision for each authorization.

- [Marqeta.DiVA.RTDTransactionCountByRules](Marqeta.DiVA.RTDTransactionCountByRules.md): Real-Time Decisioning transaction counts aggregated by rule.
- [Marqeta.DiVA.Users](Marqeta.DiVA.Users.md): Denormalised user records with KYC and account holder data.
- [Marqeta.EventTypes](Marqeta.EventTypes.md): Reference module documenting all Marqeta webhook event type strings.
- [Marqeta.FraudFeedback](Marqeta.FraudFeedback.md): Submit fraud feedback on completed transactions.
- [Marqeta.HTTP.Behaviour](Marqeta.HTTP.Behaviour.md): Behaviour for the Marqeta HTTP client. Implement this to provide a test double.
- [Marqeta.RateLimiter](Marqeta.RateLimiter.md): Token-bucket rate limiter for the Marqeta API.
- [Marqeta.Resource](Marqeta.Resource.md): Shared macro for all Marqeta resource modules.
- [Marqeta.SelfServiceCredentials](Marqeta.SelfServiceCredentials.md): Programmatically create, retrieve, and delete admin access tokens.
- [Marqeta.SubscriptionManagement](Marqeta.SubscriptionManagement.md): Manage program subscription configurations and recurring billing setups.
- [Marqeta.ThreeDSecure](Marqeta.ThreeDSecure.md): 3D Secure (3DS) decision service.
- [Marqeta.UXToolkit](Marqeta.UXToolkit.md): API for Marqeta's pre-built UX Toolkit card management components.

- Core Resources
  - [Marqeta.Balances](Marqeta.Balances.md): Retrieve GPA and MSA balance details for users and businesses.

  - [Marqeta.Businesses](Marqeta.Businesses.md): Business account holders with KYC via EIN and beneficial owner structures.
Businesses can own cards and hold GPAs.

  - [Marqeta.CardProducts](Marqeta.CardProducts.md): Card product templates that define card behaviour, fulfillment, JIT funding
mode, velocity controls, contactless SCA limits, and more.
  - [Marqeta.Cards](Marqeta.Cards.md): Create and manage physical and virtual payment cards.
  - [Marqeta.Transactions](Marqeta.Transactions.md): Retrieve transaction records. Transactions are read-only — they are created
by Marqeta when cardholders transact.
  - [Marqeta.Users](Marqeta.Users.md): Manage individual cardholders (users) on the Marqeta platform.

- Funding
  - [Marqeta.ACHReceiving](Marqeta.ACHReceiving.md): Enable third-party ACH credits and debits directly to account holder GPAs.
Supports inbound ACH pull and push payments.

  - [Marqeta.AccountHolderFundingSources](Marqeta.AccountHolderFundingSources.md): ACH funding sources for individual account holders.
  - [Marqeta.AutoReload](Marqeta.AutoReload.md): Automatically reload a user's GPA when the balance falls below a threshold.
  - [Marqeta.FundingViaACH](Marqeta.FundingViaACH.md): Initiate ACH transfers between a Marqeta funding source and an external bank.
Supports peer transfers, program transfers, and fee transfers entirely
within the Marqeta platform.

  - [Marqeta.GPAOrders](Marqeta.GPAOrders.md): Load and unload funds in user and business General Purpose Accounts (GPAs).
  - [Marqeta.InstantFunding](Marqeta.InstantFunding.md): Fund a Marqeta-issued card from an external debit or prepaid card
using card network push-payment rails (Visa Direct / MC Send).
  - [Marqeta.IntraAccountTransfers](Marqeta.IntraAccountTransfers.md): Move funds between GPAs owned by the same account holder.
Both source and destination must belong to the same user or business.

  - [Marqeta.ProgramFundingSources](Marqeta.ProgramFundingSources.md): Program funding sources — bank accounts used for Managed JIT Funding.
  - [Marqeta.ProgramGatewayFundingSources](Marqeta.ProgramGatewayFundingSources.md): Program gateway funding sources — used with Gateway JIT Funding.
  - [Marqeta.ProgramReserve](Marqeta.ProgramReserve.md): Manage your program reserve account — the pool of funds your program
operates from. Credit and debit the reserve, and query its balance.

  - [Marqeta.ProgramTransfers](Marqeta.ProgramTransfers.md): Move funds from a user's GPA back to the program funding source.
Used for account closures, chargebacks, and operational transfers.

- Spend Controls
  - [Marqeta.AcceptedCountries](Marqeta.AcceptedCountries.md): Restrict which countries cardholders may transact in.
Can be associated with a card product or individual cards.

  - [Marqeta.AuthorizationControls](Marqeta.AuthorizationControls.md): Rule-based controls that restrict which merchants cardholders can transact with.
  - [Marqeta.MCCGroups](Marqeta.MCCGroups.md): Group Merchant Category Codes (MCCs) for bulk application to
authorization controls and card product configurations.

  - [Marqeta.MerchantGroups](Marqeta.MerchantGroups.md): Group specific merchants (by MID) for use in authorization controls.

  - [Marqeta.VelocityControls](Marqeta.VelocityControls.md): Limit how much and how frequently users can spend.

- Card Lifecycle
  - [Marqeta.BulkCardOrders](Marqeta.BulkCardOrders.md): Order physical cards in bulk. Bulk orders share a single card product
and fulfillment configuration.

  - [Marqeta.CardTransitions](Marqeta.CardTransitions.md): Manage card state transitions.
  - [Marqeta.DigitalWalletsManagement](Marqeta.DigitalWalletsManagement.md): Manage digital wallet token provisioning and lifecycle.
Supports Apple Pay, Google Pay, and Samsung Pay.
  - [Marqeta.PINs](Marqeta.PINs.md): Set, update, and reveal PINs for payment cards.
  - [Marqeta.TokenizationAsAService](Marqeta.TokenizationAsAService.md): Use Marqeta's tokenization infrastructure even when Marqeta
is not your issuer-processor (TaaS).

- Identity &amp; Compliance
  - [Marqeta.AccountHolderGroups](Marqeta.AccountHolderGroups.md): Apply shared settings to groups of account holders simultaneously.
Useful for tiered products and bulk configuration.

  - [Marqeta.BusinessTransitions](Marqeta.BusinessTransitions.md): Manage business state transitions (UNVERIFIED → LIMITED → ACTIVE → SUSPENDED → CLOSED).
  - [Marqeta.KYCVerification](Marqeta.KYCVerification.md): Know Your Customer (KYC) identity verification for US account holders.
  - [Marqeta.UserTransitions](Marqeta.UserTransitions.md): Manage user state transitions (UNVERIFIED → LIMITED → ACTIVE → SUSPENDED → CLOSED).

- Fees &amp; Rewards
  - [Marqeta.FeeCharges](Marqeta.FeeCharges.md): Assess fees from account holder GPAs to the program fee account.
References a fee template created via `Marqeta.Fees`.

  - [Marqeta.FeeRefunds](Marqeta.FeeRefunds.md): Return previously charged fees to an account holder's GPA.
  - [Marqeta.Fees](Marqeta.Fees.md): Define fee templates for your program (monthly, annual, transaction, etc.).

- Disputes
  - [Marqeta.DisputesEvidenceCollection](Marqeta.DisputesEvidenceCollection.md): Submit and manage evidence documents for transaction disputes.
Evidence includes receipts, cardholder letters, screenshots, etc.

  - [Marqeta.DisputesMastercard](Marqeta.DisputesMastercard.md): Manage Mastercard network transaction disputes end-to-end.
  - [Marqeta.DisputesPulse](Marqeta.DisputesPulse.md): Manage PULSE network transaction disputes end-to-end.
  - [Marqeta.DisputesVisa](Marqeta.DisputesVisa.md): Manage Visa network transaction disputes end-to-end.

- Credit
  - [Marqeta.Credit.Accounts](Marqeta.Credit.Accounts.md): Create and manage credit accounts (the core object of the credit platform).
  - [Marqeta.Credit.Adjustments](Marqeta.Credit.Adjustments.md): Manually adjust the amount of a journal entry or account balance.
  - [Marqeta.Credit.Applications](Marqeta.Credit.Applications.md): Manage the credit card application lifecycle, including
regulatory disclosure retrieval and status transitions.

  - [Marqeta.Credit.BalanceRefunds](Marqeta.Credit.BalanceRefunds.md): Issue balance refunds on a credit account with a negative balance.
  - [Marqeta.Credit.Bundles](Marqeta.Credit.Bundles.md): Bundles combine credit product policies into a single configurable template.
  - [Marqeta.Credit.Cards](Marqeta.Credit.Cards.md): Cards that access a credit account's credit line.
  - [Marqeta.Credit.Delinquency](Marqeta.Credit.Delinquency.md): Retrieve and manage credit account delinquency state.
  - [Marqeta.Credit.Disputes](Marqeta.Credit.Disputes.md): Create and manage disputes on a credit account.
  - [Marqeta.Credit.JournalEntries](Marqeta.Credit.JournalEntries.md): Read journal entries on a credit account.
Includes purchases, interest, fees, rewards, payments, and adjustments.
Journal entries are read-only — created by the platform.

  - [Marqeta.Credit.LedgerEntries](Marqeta.Credit.LedgerEntries.md): Read ledger entries on a credit account with balance impact details.
  - [Marqeta.Credit.PaymentSchedules](Marqeta.Credit.PaymentSchedules.md): Schedule one-time or recurring payments on a credit account.
  - [Marqeta.Credit.PaymentSources](Marqeta.Credit.PaymentSources.md): Manage external payment sources for credit account payments.
  - [Marqeta.Credit.Payments](Marqeta.Credit.Payments.md): Create and retrieve payments to pay down credit account balances.
  - [Marqeta.Credit.Policies](Marqeta.Credit.Policies.md): Manage policy configurations: documents, APRs, fees, and rewards.
Policies are attached to bundles which are then attached to accounts.

  - [Marqeta.Credit.Products](Marqeta.Credit.Products.md): Credit products define the behaviours and features of credit accounts.
  - [Marqeta.Credit.Refunds](Marqeta.Credit.Refunds.md): Issue refunds on a credit account.
  - [Marqeta.Credit.Rewards](Marqeta.Credit.Rewards.md): Create one-time, non-recurring rewards on a credit account.
  - [Marqeta.Credit.Statements](Marqeta.Credit.Statements.md): Retrieve billing cycle statements for credit accounts.
  - [Marqeta.Credit.Substatuses](Marqeta.Credit.Substatuses.md): Apply or remove substatuses for fine-grained state management.
Substatuses overlay the primary account status without replacing it.

  - [Marqeta.Credit.Transitions](Marqeta.Credit.Transitions.md): Transition a credit account to a new status (ACTIVE, SUSPENDED, CLOSED, etc.).

- DiVA (Analytics)
  - [Marqeta.DiVA.ActivityBalances](Marqeta.DiVA.ActivityBalances.md): GPA balance snapshots aggregated by day per user.
  - [Marqeta.DiVA.Authorizations](Marqeta.DiVA.Authorizations.md): All authorization attempts (approvals and declines).
  - [Marqeta.DiVA.CardCounts](Marqeta.DiVA.CardCounts.md): Card inventory counts aggregated by day and card state.
  - [Marqeta.DiVA.Chargebacks](Marqeta.DiVA.Chargebacks.md): Chargeback records and dispute outcomes.
  - [Marqeta.DiVA.ClearingDetail](Marqeta.DiVA.ClearingDetail.md): Individual clearing file records with interchange information.
  - [Marqeta.DiVA.CreditAccounts](Marqeta.DiVA.CreditAccounts.md): Denormalised credit account reporting data.
  - [Marqeta.DiVA.Declines](Marqeta.DiVA.Declines.md): All declined authorization attempts with reason codes.
  - [Marqeta.DiVA.DirectDeposit](Marqeta.DiVA.DirectDeposit.md): Direct deposit (ACH inbound) transaction reporting.
  - [Marqeta.DiVA.Loads](Marqeta.DiVA.Loads.md): GPA funding events: loads, reloads, and unloads.
  - [Marqeta.DiVA.Settlements](Marqeta.DiVA.Settlements.md): Cleared and settled transaction records.
  - [Marqeta.DiVA.UserCounts](Marqeta.DiVA.UserCounts.md): User count aggregates by day and KYC state.
  - [Marqeta.DiVA.Views](Marqeta.DiVA.Views.md): Lists all available DiVA view names.

- Platform
  - [Marqeta.Client](Marqeta.Client.md): Core HTTP client for the Marqeta API.
  - [Marqeta.Config](Marqeta.Config.md): Configuration for the Marqeta client.
  - [Marqeta.Error](Marqeta.Error.md): Structured error type returned by all Marqeta API functions.
  - [Marqeta.GatewayJIT](Marqeta.GatewayJIT.md): Utilities for handling Gateway Just-in-Time (JIT) Funding requests.
  - [Marqeta.Pagination](Marqeta.Pagination.md): Pagination cursor helpers for Marqeta list endpoints.
  - [Marqeta.Sandbox](Marqeta.Sandbox.md): Sandbox bootstrapping helpers for development and testing.
  - [Marqeta.Simulations](Marqeta.Simulations.md): Simulate card transactions in the sandbox environment.
  - [Marqeta.Stream](Marqeta.Stream.md): Lazy streaming over paginated Marqeta list endpoints.
  - [Marqeta.Telemetry](Marqeta.Telemetry.md): Telemetry integration for the Marqeta client.
  - [Marqeta.Webhooks](Marqeta.Webhooks.md): Create and manage webhook endpoints for real-time event notifications.

