Digital banking solutions & debit cards
Banking solutions turn buyers into loyalists
Give customers banking tools and become part of their daily financial life, everywhere they spend
The opportunity
Simplify financial interactions for your customers
From every balance check to each bill payment, your customers’ daily financial interactions are the ultimate foundation for building long-term loyalty.
66%
of respondents are open to getting financial services from a brand 1
Turn everyday purchases into lasting engagement
Give customers a card they can use anywhere, backed by digital banking tools that make you part of their daily financial routine.
Transform digital payments into new revenue streams
Earn revenue with every purchase, monetize premium features, and capture interest on deposits, turning payments into a profit center.
Remove friction from how customers manage money
You're already part of your customers' daily lives. Now help them manage their money with instant payouts, seamless rewards, and effortless banking experience.
Ways to embed digital banking solutions
Different business needs, different ways to embed digital banking solutions
Need faster payouts? A more engaging loyalty program? Or a complete financial offering? Choose the approach that matches where you are and where you're going.
Deliver funds faster using cards
From earned wage access and payouts to cashback rewards, our banking solution gives recipients faster access to their funds while you earn revenue on every transaction.
Learn how Branch helps employers offer accelerated wage access to workers
Extend your loyalty program to everyday spend
Launch co-branded debit cards that turn routine purchases into loyalty moments. With every coffee run, grocery store trip, or tank fill-up, you own the entire experience.
Read about how Coinbase brings crypto-backed card programs and rewards to life
Turn loyal customers into lifelong relationships
Become your customers' primary financial partner by embedding digital banking tools into your ecosystem, while building loyalty and creating new cross-sell opportunities.
See how Western Union launched multi-currency digital banking in Europe
Deliver funds faster using cards
From earned wage access and payouts to cashback rewards, our banking solution gives recipients faster access to their funds while you earn revenue on every transaction.
Learn how Branch helps employers offer accelerated wage access to workers
Extend your loyalty program to everyday spend
Launch co-branded debit cards that turn routine purchases into loyalty moments. With every coffee run, grocery store trip, or tank fill-up, you own the entire experience.
Read about how Coinbase brings crypto-backed card programs and rewards to life
Turn loyal customers into lifelong relationships
Become your customers' primary financial partner by embedding digital banking tools into your ecosystem, while building loyalty and creating new cross-sell opportunities.
See how Western Union launched multi-currency digital banking in Europe
How it works
Your brand. Our banking solutions.
Together we build experiences customers love.
Payment cards
Issue branded debit or prepaid cards that easily integrate with digital wallets. Use Flexible Credentials, like Mastercard One Pay or Visa Flexible Credentials, to link one card to multiple accounts, letting customers choose which to spend from at checkout. You get to customize card design, spending rules, rewards integrations, and more.
Customer accounts
Offer checking and savings accounts so customers can securely store, track and grow their money, under your brand. With Marqeta’s modular approach, you can deploy the right account types for your business needs, paired with cards for everyday spending.
Money movement tools
Offer flexible ways for customers to access and manage funds with a full suite of money management tools. Whether customers need to fund their account, split the check, or deposit cash, they control their money, while you control the experience.
Financial tools
Help customers maximize their money with automated bill pay, spend insights, and personalized guidance. These smart features simplify daily decisions and build better money habits, giving you the building blocks to create the ideal customer experience.
Rewards programs
Build custom loyalty programs with cashback, points or rewards tailored to how your customers spend. Marqeta’s loyalty engine manages the entire journey from earning to redemption, turning every transaction into an opportunity to strengthen your relationship.
The Marqeta advantage
Not all platforms are built the same
Legacy infrastructure forced a choice between robust features or control over the customer experience. With Marqeta, you can choose both.
End-to-end platform simplicity
Digital banking solutions, card issuing, money movement tools, and processing, all on one platform. No juggling multiple vendors.
We don't just hand you APIs and disappear
We provide guidance on everything from sponsor banks to compliance. You get a strategic partner, not a support ticket.
Full suite of pre-built UX components
Pre-built UX components across the full digital banking journey, letting you launch faster.
Start simple, scale globally without rebuilding
Go beyond digital banking. Support the full customer financial journey without rebuilding.
15 out of 20
of Marqeta's top customers have expanded into multiple programs.
Proven at scale with enterprise reliability
Leading brands rely on Marqeta to power their programs with enterprise-grade security.
Nearly $400B
in total processing volume in 2025
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.
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.