CARD ISSUING & PROCESSING
The platform purpose-built for modern card issuing and processing
Build your card program with the deep control, customization, and international reach your program depends on.
$400B+
processed in the last four quarters¹
99.99%
platform uptime in 2025
1,000+
transactions per second at peak performance
40+
countries certified to operate
How it works
From card creation to clearing
Define the card, authorize the transaction, fund it, and clear it — with modern flexibility and control built into each stage.
Create & issue cards
Card issuing, configured for your program
Define the card program: who gets a card, what kind, what it can do, and how it behaves at the transaction level. Physical, virtual, or tokenized — configured around your program, not someone else’s defaults.
Authorize in real time
Every transaction, decided in the moment
Authorize, decline, and route transactions in real time with rules you can change as your program evolves, without touching underlying infrastructure.
Control & fund
Set the rules for every transaction
Decide where, when and how much can be spent, and fund the exact amount at authorization rather than holding capital against future purchases.
Clear & reconcile
Keep settlement straightforward
Clearing, settlement, and reconciliation built with payments best practices at the core, to keep your program operating smoothly.
Issuing Capabilities
More ways to serve your customers
Virtual, physical, and tokenized
Embed cards directly into your app or wallet, and deliver custom, branded physical cards when customers want them. Every card carries your brand and works the way your program does.
Flexible credentials
Power a single card that adapts to debit, credit, BNPL, and more, so customers choose how to pay at the moment of purchase, earning your card top-of-wallet status.
Prepaid & debit
Run a variety of card programs from one platform. Adding a funding model doesn’t mean adding a vendor.
Credit
Serve consumers and businesses from the same platform, with the controls and program structures each requires.
Card management
Keep your card program organized. Manage users, card inventory, and fulfillment in one place.
Processing capabilities
Control over every transaction
Just-in-Time Funding
For prepaid programs, fund transactions at authorization so capital isn’t tied up before it’s needed.
Dynamic spend controls
Change where, when, and how cards can be used — with granular controls you can update in real time as your program evolves.
Authorization and clearing
Handle authorization and clearing with payments best practices built-in so you have visibility across every stage of the payment lifecycle.
Webhooks
Real-time notifications from program and card transaction events, so you can build experiences that respond the moment something happens.
Why Marqeta
Built for what payments requires next
Card issuing is what we do. When new payment technology arrives, it shows up here first.
Built to stay ahead
Infrastructure that keeps pace with payments
Purpose-built for card issuing, with the flexibility for whatever comes next.
One data model
One API layer
One integration point
First to flexible credentials
The first issuer processor certified for Visa Flexible Credential, live with Affirm and Klarna. One card that adapts to how your cardholders want to pay, at the moment they pay.
Stablecoin payments innovation
Stablecoin-backed cards link to existing card rails, so cardholders spend stablecoins anywhere cards are accepted, without new integrations or added regulatory burden.
Proven at scale
$400B in payments volume in the last four quarters on infrastructure enterprise programs can depend on.1
Ready for high volumes
Enterprise programs don’t get to have an outage. 99.99% uptime in 2025, on a platform built for the scale your program is growing into.
For developers
Built for the people who will integrate it
Everything your developers need to build, test, and ship without the guesswork.
Open APIs
Consistent specs and clear documentation, so your team integrates faster instead of reverse engineering the platform.
370+ endpoints
Configure and manage your program through a broad set of API endpoints that gives you the flexibility you need.
Real-time webhooks
Receive updates as events happen so your systems can react quickly.
Private sandbox
Test and validate integrations, and simulate transactions before going live.
Solutions
Explore what you can build with our platform
Digital banking solutions & debit cards
Make banking part of everyday spend
Give customers payment and money management tools that keep your brand part of their daily financial lives.
Commercial solutions
Keep businesses coming back
Bring more commercial financial activity into your platform with embedded finance solutions.
Consumer solutions
Embed financial services
Support customers’ financial needs with consumer financial services embedded directly into your product.
Expense management
Give customers more control over spend
Help businesses manage company spending in real time, while giving your platform more value.
Supplier payments
Simplify supplier payments
Streamline supplier payments while giving customers more control over working capital.
Card program management
Expert support for card program management
Move your program forward with payment expertise and dedicated support from planning through execution.
See how Klarna and Marqeta migrated nearly 3M cards with zero downtime across multiple markets and products
The infrastructure behind card programs that last
- As of June 30, 2026
Marqeta is not a bank. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.