Payment solutions
Expense management software
Create travel and expense or accounts payable solutions with flexibility and control.
The problem
Expense management software solutions look to issue their own card products to create a better experience for their customers who use the software to track, manage, and report on company spend. With thousands of end users at play, scale and control is critical.
The solution
Issue cards at scale across a large user base with data and reporting to gain full control and visibility into the card program, usage, and risks. Leverage open APIs to create customized cards with baked-in spend controls that fund expenses in real time for individuals or teams.
Real world: business expenses
Card issuing for customers to distribute to employees for travel and business expenses
Expense software
Cards issued
Employees are issued zero-balance physical, virtual, or tokenized cards.
Marqeta platform
Cards distributed
Employees are free to make business purchases (travel, events, meals, etc.) with the cards.
Expenditures
Cards charged
Zero-balance cards are used for purchases as needed by the employees.
Marqeta platform
Spend evaluated
Managed or gateway spend controls can be customized to minimize fraud and manage employee purchasing power.
Expenditures
Auth requested
Marqeta’s platform is contacted by the appropriate network for authorization.
Expense software
Notification received
Marqeta webhooks allow real-time notifications upon transaction completion.
Marqeta platform
Funds released
Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.
Expenditures
Transaction completed
Authorization is successful and the payment is confirmed.
Expense software
Cards issued
Employees are issued zero-balance physical, virtual, or tokenized cards.
Marqeta platform
Cards distributed
Employees are free to make business purchases (travel, events, meals, etc.) with the cards.
Expenditures
Cards charged
Zero-balance cards are used for purchases as needed by the employees.
Marqeta platform
Spend evaluated
Managed or gateway spend controls can be customized to minimize fraud and manage employee purchasing power.
Expenditures
Auth requested
Marqeta’s platform is contacted by the appropriate network for authorization.
Expense software
Notification received
Marqeta webhooks allow real-time notifications upon transaction completion.
Marqeta platform
Funds released
Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.
Expenditures
Transaction completed
Authorization is successful and the payment is confirmed.
How it works
See how Marqeta creates card programs for expense management
Blake Murray,Founder and CEO, DivvyKey benefits for expense management
Virtual cards
Create virtual cards as needed to satisfy accounts payable and empower employees with expense cards provisioned directly to digital wallets.
Physical and tokenized cards
White label, personalize, and brand your physical cards and leverage in-app provisioning into digital wallets.
Dynamic spend controls
Create customized solutions for your customers (e.g., cards that can limit spend to certain individuals, teams, merchants, or a time period such as during an event).
JIT (Just-in-Time) Funding
Authorize and fund transactions in real time, optimizing for cash flow and spend control.
Inject metadata into each transaction
Append metadata to each transaction to ease reconciliation and reduce errors. Match supplier IDs, invoice numbers, and more.
Data insights
Provide visibility into spend patterns to help guide budget allocations.
Discover more insights
Stay up to date with the latest industry trends, expert discussions, and educational resources.
Discover more insights
Stay up to date with the latest industry trends, expert discussions, and educational resources.
Solutions
Features
Company
Location
© 2025 Marqeta, Inc. 180 Grand Avenue, 6th Floor, Oakland, CA 94612