Marqeta Adjustments API

openapi: 3.0.3
info:
  contact:
    email: support@marqeta.com
    name: Marqeta
  description: Marqeta's Core API endpoints, conveniently annotated to enable code generation (including SDKs), test cases, and documentation. Currently in beta.
  termsOfService: https://www.marqeta.com/api-terms
  title: Core accepted countries Adjustments API
  version: 3.0.39
servers:
- url: /v3
security:
- mqAppAndAccessToken: []
tags:
- description: '// Conditional snippet for beta or internal content

    include::../../maturity-admonition-banner.adoc[]


    Use the adjustments endpoints to create and retrieve account adjustments on Marqeta''s credit platform.

    An account adjustment adjusts the amount of a <</core-api/credit-account-journal-entries, journal entry>> or account balance.


    Creating an adjustment triggers the creation of a <</core-api/credit-account-journal-entries, journal entry>> belonging to the `ADJUSTMENT` group.

    For more on adjustment journal entries, see <</developer-guides/about-credit-account-journal-entries#_adjustments, Adjustments>> in the About Credit Account Journal Entries guide.'
  name: Adjustments
paths:
  /accounts/{account_token}/adjustments:
    get:
      description: 'Retrieve an array of adjustments for a credit account.


        This endpoint supports <</core-api/sorting-and-pagination, pagination>>.'
      operationId: getAdjustmentsByAccount
      parameters:
      - description: 'Unique identifier of the credit account for which you want to retrieve adjustments.


          Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.'
        explode: false
        in: path
        name: account_token
        required: true
        schema:
          type: string
          x-allowableValues: Existing account token
        style: simple
      - description: Number of account adjustment resources to retrieve.
        explode: true
        in: query
        name: count
        required: false
        schema:
          default: 5
          maximum: 100
          minimum: 1
          type: integer
        style: form
      - description: Sort order index of the first resource in the returned array.
        explode: true
        in: query
        name: start_index
        required: false
        schema:
          default: 0
          minimum: 0
          type: integer
        style: form
      responses:
        '200':
          content:
            application/json:
              example:
                count: 2
                data:
                - account_token: my_account_token_12
                  adjustment_detail_object: null
                  amount: -25
                  currency_code: USD
                  description: Waived late payment fee
                  detail_token: null
                  external_adjustment_id: null
                  note: null
                  original_ledger_entry_token: a0216141-13d6-e2e2-7227-abcd12345678
                  reason: OTHER
                  related_detail_object: null
                  related_detail_token: null
                  source_account_type: PROGRAM_FUNDING
                  token: my_account_adjustment_token1234
                  type: FEE
                - account_token: my_account_token_12
                  adjustment_detail_object:
                    account_token: my_account_token_12
                    average_daily_balance: 181.67
                    created_date: 2024-08-01 07:00:19.755000+00:00
                    currency_code: USD
                    daily_periodic_rate: 0.00041068
                    days_in_billing_cycle: 31
                    goto_apr: 14.99
                    interest_amount: 2.31
                    statement_balance: 208.93
                    statement_closing_date: 2024-08-01 03:59:59.999000+00:00
                    statement_opening_date: 2024-07-01 04:00:00
                    statement_token: statement_token_75b
                    token: interest_detail_token1234
                    updated_date: 2024-08-01 07:00:19.755000+00:00
                  amount: -100
                  currency_code: USD
                  description: interest adjustment
                  detail_token: interest_detail_token1234
                  external_adjustment_id: e37e27a1-ad70-382e-846d-a31ab59d00f9
                  note: interest adjustment for dispute
                  original_ledger_entry_token: a0216141-13d6-e2e2-7227-abcd12345678
                  reason: OTHER
                  related_detail_object:
                    account_token: account_token_12
                    amount: 500
                    category: FRAUD
                    created_time: 2025-07-01 00:27:09+00:00
                    ledger_entry_token: journal_entry_token1222
                    notes: string
                    resolved_at: 2025-07-01 00:27:09+00:00
                    status: ACTIVE
                    token: dispute_token_1234
                    updated_time: 2025-07-01 00:27:09+00:00
                  related_detail_token: dispute_token1234
                  source_account_type: PROGRAM_FUNDING
                  token: my_account_adjustment_token1234
                  type: INTEREST
                end_index: 1
                is_more: false
                start_index: 0
              schema:
                $ref: '#/components/schemas/AccountAdjustmentPage'
          description: Expected response to a valid request.
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: List account adjustments
      tags:
      - Adjustments
    post:
      description: Create an adjustment for an existing credit account.
      operationId: createAdjustmentForAccount
      parameters:
      - description: 'Unique identifier of the credit account for which you want to create an adjustment.


          Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.'
        explode: false
        in: path
        name: account_token
        required: true
        schema:
          type: string
          x-allowableValues: Existing account token
        style: simple
      requestBody:
        content:
          application/json:
            example:
              amount: -25
              currency_code: USD
              description: Waived late payment fee
              original_ledger_entry_token: 2384f927-e4fe-47af-8ff6-0712ee41a2eb
              source_account_type: SPONSOR_BANK
            schema:
              $ref: '#/components/schemas/AccountAdjustmentReq'
        required: true
      responses:
        '201':
          content:
            application/json:
              example:
                account_token: my_account_token_12
                adjustment_detail_object: null
                amount: -25
                created_time: 2025-04-01 23:41:58.802000+00:00
                currency_code: USD
                description: Waived late payment fee
                detail_token: null
                external_adjustment_id: null
                note: null
                original_ledger_entry_token: a0216141-13d6-e2e2-7227-abcd12345678
                reason: OTHER
                related_detail_object: null
                related_detail_token: null
                source_account_type: SPONSOR_BANK
                token: my_account_adjustment_token1234
                type: FEE
              schema:
                $ref: '#/components/schemas/AccountAdjustmentResponse'
          description: Expected response
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      summary: Create account adjustment
      tags:
      - Adjustments
  /accounts/{account_token}/adjustments/{adjustment_token}:
    get:
      description: Retrieve an adjustment for a credit account.
      operationId: retrieveAdjustment
      parameters:
      - description: 'Unique identifier of the credit account for which you want to retrieve an adjustment.


          Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.'
        explode: false
        in: path
        name: account_token
        required: true
        schema:
          type: string
          x-allowableValues: Existing account token
        style: simple
      - description: 'Unique identifier of the adjustment to retrieve.


          Send a `GET` request to `/credit/accounts/{account_token}/adjustments` to retrieve existing account adjustment tokens.'
        explode: false
        in: path
        name: adjustment_token
        required: true
        schema:
          type: string
          x-allowableValues: Existing adjustment token
        style: simple
      responses:
        '200':
          content:
            application/json:
              example:
                account_token: my_account_token_12
                adjustment_detail_object: null
                amount: -25
                currency_code: USD
                description: Waived late payment fee
                detail_token: null
                external_adjustment_id: null
                note: null
                original_ledger_entry_token: a0216141-13d6-e2e2-7227-abcd12345678
                reason: OTHER
                related_detail_object: null
                related_detail_token: null
                source_account_type: SPONSOR_BANK
                token: my_account_adjustment_token1234
                type: FEE
              schema:
                $ref: '#/components/schemas/AccountAdjustmentResponse'
          description: A JSON object containing account_adjustment information
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      summary: Retrieve account adjustment
      tags:
      - Adjustments
components:
  schemas:
    AccountAdjustmentReq:
      description: Contains information relevant to creating an account adjustment.
      properties:
        amount:
          description: 'Amount of the adjustment.


            Value must be negative if `original_ledger_entry_token` is not passed.'
          maximum: 1000000
          type: number
        currency_code:
          $ref: '#/components/schemas/CurrencyCode'
        description:
          description: Description of the adjustment.
          maxLength: 255
          minLength: 1
          type: string
        external_adjustment_id:
          description: Unique identifier you provide of an associated external adjustment that exists outside Marqeta's credit platform.
          format: uuid
          type: string
        note:
          description: Additional information on the adjustment.
          maxLength: 255
          type: string
        original_ledger_entry_token:
          description: 'Unique identifier of the original journal entry needing the adjustment.


            Required when adjusting an existing journal entry.'
          format: uuid
          type: string
        reason:
          description: 'Reason for the adjustment.


            * `DISPUTE` - The adjustment occurred because a dispute was initiated.

            * `DISPUTE_RESOLUTION` - The adjustment occurred because of the result of a dispute resolution.

            * `RETURNED_OR_CANCELED_PAYMENT` - The adjustment occurred because a payment was returned or canceled.

            * `OTHER` - Any other reason the adjustment occurred. For example, a waived fee or account write-off.'
          enum:
          - DISPUTE
          - DISPUTE_RESOLUTION
          - RETURNED_OR_CANCELED_PAYMENT
          - OTHER
          type: string
        source_account_type:
          description: The source account type.
          enum:
          - NETWORK
          - SPONSOR_BANK
          - MQ_RESERVE
          - PROGRAM_FUNDING
          type: string
        token:
          description: Unique identifier of the adjustment.
          maxLength: 36
          type: string
      required:
      - amount
      - currency_code
      - description
      type: object
    CurrencyCode:
      default: USD
      description: Valid three-digit link:https://www.iso.org/iso-4217-currency-codes.html[ISO 4217 currency code, window="_blank"].
      enum:
      - USD
      type: string
    AccountAdjustmentResponse:
      description: Contains information returned for account adjustment.
      properties:
        account_token:
          description: Unique identifier of the credit account on which the adjustment was made.
          maxLength: 36
          type: string
        adjustment_detail_object:
          description: 'Contains the adjustment''s full details.


            The fields returned in this object depend on the adjustment type.


            Interest returns interest details.

            For the specific fields returned, see the `detail_object` fields marked "Returned for interest journal entries" in the <</core-api/credit-account-journal-entries#getAccountJournalEntry, account journal entry response fields>>.


            Disputes return dispute details.

            For the specific fields returned, see the <</core-api/credit-account-disputes#retrieveDispute, dispute response fields>>.'
          nullable: true
          type: object
        amount:
          description: Amount of the adjustment.
          type: number
        created_time:
          description: Date and time when the account adjustment was applied, in UTC.
          format: date-time
          type: string
        currency_code:
          $ref: '#/components/schemas/CurrencyCode'
        description:
          description: Description of the adjustment.
          minLength: 1
          type: string
        detail_token:
          description: 'Unique identifier of the adjustment detail.

            For example, the token of the dispute, the interest charge, or the returned payment that prompted the adjustment.


            Returned when the system automatically applies an adjustment.'
          maxLength: 36
          nullable: true
          type: string
        external_adjustment_id:
          description: Unique identifier you provide of an associated external adjustment that exists outside Marqeta's credit platform.
          format: uuid
          nullable: true
          type: string
        note:
          description: Additional information on the adjustment.
          nullable: true
          type: string
        original_ledger_entry_token:
          description: Unique identifier of the original journal entry needing the adjustment.
          format: uuid
          type: string
        reason:
          description: 'Reason for the adjustment.


            * `DISPUTE` - The adjustment occurred because a dispute was initiated.

            * `DISPUTE_RESOLUTION` - The adjustment occurred because of the result of a dispute resolution.

            * `RETURNED_OR_CANCELED_PAYMENT` - The adjustment occurred because a payment was returned or canceled.

            * `OTHER` - Any other reason the adjustment occurred. For example, a waived fee.'
          enum:
          - DISPUTE
          - DISPUTE_RESOLUTION
          - RETURNED_OR_CANCELED_PAYMENT
          - OTHER
          type: string
        related_detail_object:
          description: 'Contains full details of the related dispute or returned payment.


            The fields returned in this object depend on whether a dispute or returned payment led to the interest adjustment.

            A dispute returns dispute details; a returned payment returns payment details.


            For more on the dispute details returned, see the <</core-api/credit-account-disputes#retrieveDispute, dispute response fields>>.


            For more on the returned payment details returned, see the <</core-api/credit-account-payments#retrievePayment, payment response fields>>.


            This field is returned for interest adjustments only.'
          nullable: true
          type: object
        related_detail_token:
          description: 'Unique identifier of the dispute or returned payment that prompted the interest adjustment.


            This field is returned for interest adjustments only.'
          maxLength: 36
          nullable: true
          type: string
        source_account_type:
          description: The source account type.
          enum:
          - NETWORK
          - SPONSOR_BANK
          - MQ_RESERVE
          - PROGRAM_FUNDING
          type: string
        token:
          description: 'Unique identifier of the adjustment.


            If in the `detail_object`, unique identifier of the detail object.'
          type: string
        type:
          description: 'Type of adjustment.


            The adjustment is made on its correlating amount (for example, purchase adjustments are made on purchase amounts).

            You can use general adjustments for standalone adjustments made on the credit account balance itself, which includes account write-offs, credits, and more.'
          enum:
          - PURCHASE
          - FEE
          - REWARD
          - INTEREST
          - GENERAL
          type: string
      required:
      - account_token
      - amount
      - currency_code
      - description
      - reason
      - source_account_type
      - token
      - type
      type: object
    Error:
      properties:
        code:
          type: integer
        message:
          type: string
      type: object
    AccountAdjustmentPage:
      description: Returns paginated account adjustments.
      properties:
        count:
          description: Number of resources returned.
          type: integer
        data:
          description: Contains one or more account adjustments.
          items:
            $ref: '#/components/schemas/AccountAdjustmentResponse'
          type: array
        end_index:
          description: Sort order index of the last resource in the returned array.
          type: integer
        is_more:
          description: A value of `true` indicates that more unreturned resources exist.
          type: boolean
        start_index:
          description: Sort order index of the first resource in the returned array.
          type: integer
      required:
      - count
      - data
      - end_index
      - is_more
      - start_index
      type: object
  securitySchemes:
    mqAppAndAccessToken:
      scheme: basic
      type: http