Just-In-Time

Instead of funding the virtual card directly, you can instead approve each payment as it arrives in real time using our Just in Time flow.

You will receive a webhook authorization notification whenever a purchase goes through a virtual card, and you must programmatically approve or deny each transaction by returning either a 200 or 400 respectively.

Through this flow, you won’t need to store any money on the virtual cards - instead they are drawn directly from the marketplace owner’s wallet. If you want to utilize the JIT flow with each user pulling from their own wallet, each one must be manually onboarded.

Webhook

You will receive a webhook with a body that contains the following information each time a purchase happens on a Virtual Card:

{
    "account_id": "{virtual card id}",
    "amount": "{transaction amount}",
    "balance": "{current balance on the card}",
    "mcc": "{merchant category code}",
    "recipient": "{description and location of merchant}",
    "transaction_id": "{transaction id}",
    "user_id": "{vcc marketplace user id, not user_id}"
}

Upon receiving this webhook, you have 1.5 seconds to respond. If you return a 200 after those 1.5 seconds, we will automatically decline the transaction. Don’t forget to account for network latency.

With this information, you can create virtual cards designed for specific use cases. For instance, virtual cards only approved for certain merchant codes (travel, restaurants), merchants (Amazon, Target), etc..