August 16, 2022
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Which Webhook to choose to reverse the temporary hold in JIT Funding Gateway?

Which Webhook to choose to reverse the temporary hold in JIT Funding Gateway?

Arvind
New Contributor III

In the case of 2-step transactions, the first step is Authorization (Synchronous API call) and the second one is Clearing (Webhook). Now, due to some reasons, a customer in POS can cancel the transaction. For the cancellation, JIT Gateway will get two webhook calls with different types, the first has type `gpa.credit.authorization` and status `declined` while the second one has type `authorization` and status `declined`.

So, which of the webhook should we actually use to cancel the temporary hold on Gateway Side?

1 REPLY 1

bhavya
Marqeta Staff
Marqeta Staff

Yes, in the case of 2-step transactions, the first step is Authorization(program receives a JIT funding request for this authorization followed by a webhook notification) and the second one is a clearing(program would receive a webhook notification for this clearing ). The authorization is always associated with a gpa.credit.authorization event.


If the customer chooses to cancel this authorization at the POS , we would typically receive an authorization.reversal event (program would receive a webhook notification for this) and what this event does is , it releases previous hold that was placed on the authorization amount on our end. Upon receiving the authorization.reversal webhook event , the program is expected to release the previous authorization hold on their end as well. The authorization reversal is always associated with a gpa.credit.authorization.reversal.
The authorization or the associated gpa.credit.authorization event would be in "declined" state only when the authorization fails due to various reasons like invalid pin , expiry mismatch, card/cardholder state , auth restrictions , velocity controls etc. When authorization goes through successfully and the customer decides to cancel it at the POS , the authorization would not be in declined state .

Here is some helpful documentation regarding ledger impact for various transaction event types : https://www.marqeta.com/docs/developer-guides/ledger-management-with-jit-funding#_ledger_impacting_t...


Hope this helps!