Commercial banking solutions
Build lasting relationships with business banking tools
Turn routine money management into daily engagement with embedded banking capabilities.
The opportunity
Deliver the modern banking solutions businesses want
Small business owners are no longer loyal to legacy banks. They’re switching for greater flexibility, faster service, and modern digital tools that align with the demands of running a business in today’s world.
35%
of U.S. businesses would consider a new commercial banking provider 1
Become an essential partner
Embed financial tools directly into your platform to remove daily friction for your customers while keeping your brand at the center of every financial decision.
Drive revenue across your portfolio
Unlock new revenue streams, monetize deposits, and introduce premium tools with an embedded solution that complements your core offering.
Grow with your customers
With real-time visibility into how your customers operate, you gain insights into new product opportunities, helping you serve them better at every stage of growth.
Ways to embed commercial banking solutions
Bring better banking solutions to businesses
See how embedded commercial banking tools can be applied to drive loyalty, revenue, and retention.
Streamline how customers receive funds
Help sellers, service providers, and freelancers get paid faster with digital business accounts, while you stay at the center of their workflow and capture more value with every transaction.
Learn how Square empowers small businesses with financial tools that improve cash flow
Loyalty built on everyday spend
Launch co-branded business debit card programs that help your customers manage funds while earning rewards on daily purchases, from office supplies to vendor payments.
Go from platform to financial system
Embed digital business accounts and other financial tools directly into your platform, allowing customers to manage their money, without leaving your ecosystem.
See how Found launched embedded business banking for SMBs and self-employed professionals
Streamline how customers receive funds
Help sellers, service providers, and freelancers get paid faster with digital business accounts, while you stay at the center of their workflow and capture more value with every transaction.
Learn how Square empowers small businesses with financial tools that improve cash flow
Loyalty built on everyday spend
Launch co-branded business debit card programs that help your customers manage funds while earning rewards on daily purchases, from office supplies to vendor payments.
Go from platform to financial system
Embed digital business accounts and other financial tools directly into your platform, allowing customers to manage their money, without leaving your ecosystem.
See how Found launched embedded business banking for SMBs and self-employed professionals
How it works
Launch business banking features that deepen platform value
From digital accounts to money movement and spend controls, here’s how Marqeta brings embedded business banking solutions to life on your platform.
Commercial debit cards
Issue co-branded business debit or pre-paid cards with spend controls and digital wallet integration.
Business accounts
Give your customers secure places to hold funds with checking and savings accounts that support deposits, disbursements, and flexible account hierarchies.
Money movement tools
Enable direct deposit, ACH transfers, instant payouts, fee-free ATM access and more, so users can move funds in and out of accounts with ease and speed.
Controls and visibility
Let businesses manage how money moves with multi-level account structures, spending capacity and approval workflows tailored to every use case.
Financial tools
Help businesses get more from their money with automated bill pay, spending insights, and personalized financial guidance, all built into your product.
The Marqeta advantage
The control of custom-build with the speed of plug-and-play
Choose Marqeta to easily launch, grow, and evolve your financial offering without trade-offs, workarounds, or added complexity.
End-to-end platform simplicity
From commercial banking solutions and card issuing to money movement tools and processing, you have everything on one platform, built to scale.
Choose unmatched control
Design your commercial banking solution with 370+ APIs and spend controls that let you configure every aspect of the experience.
Financial features without friction
Build an SMB banking solution that easily embeds into your platform with flexible APIs and pre-built integrations, including a holistic UX Toolkit.
Secure from the start
Launch your commercial debit card program with enterprise-grade security, compliance, and fraud mitigation tools built into the platform.
Built to scale
Start with embedded banking and grow from there. Whether you’re expanding into commercial credit, or new markets, we support the full financial journey.
Commercial banking tools are just the first step
Support the full commercial payments journey
Go beyond standalone features. Build a connected suite of embedded financial tools that drive long-term value and platform engagement.
Built for where you're going, not just where you are
Work with a partner that adapts with your roadmap, not one you’ll outgrow.
Frequently asked questions
Marqeta is not a bank or a lender. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.
1. Greenwich Market Pulse, 2024
Marqeta's support for these use cases varies by jurisdiction. Contact us for details on what is currently available in your jurisdiction, and what's on our roadmap.