Debit & prepaid cards
Embed spending power into your product
Launch debit and prepaid programs informed by how your customers actually spend.
$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
CARD TYPES
Two card types. One place to build.
Find the right funding model for your program.
Debit cards
Draw from linked accounts, in real time
Spending pulls directly from a linked account at the moment of approval, making it the right fit for when customers need a card that moves their money.
Power everyday banking
Give workers earned wage access
Fund day-to-day spend
Prepaid cards
Holds a balance, funded just in time
Enable spend against a pre-loaded balance, configured as single or multi-use, making it the right fit when you need more control over how and when money moves.
Send disbursements
Pay out incentives and rewards
Move supplier payments
Capabilities
Two funding models, built on one core
Use the same controls, form factors, and data across debit and prepaid programs.
Card-level control
Define spend rules, authorization logic, and funding behavior at the individual card level.
Just-in-Time Funding
For prepaid programs, fund transactions at authorization so capital isn’t tied up before it’s needed.
Physical, virtual, or tokenized
Issue cards in the form that fits your program and customer experience.
Real-time data
Receive transaction data as activity occurs so your systems can respond quickly.
Built for the people who will integrate it
Use APIs, webhooks, and sandbox tools to integrate and manage your program with confidence.
PROGRAMS
Part of a complete program
Start with debit or prepaid, then add what you need without reworking integrations.
Accounts and money movement
Go beyond spending with accounts, transfers, and cash access.
Flexible Credentials
Power a single card that adapts to debit, credit, and BNPL. Customers choose how to pay at the moment of purchase.
Credit
Use credit alongside debit and prepaid to give customers more ways to pay.
Risk and fraud
Add fraud monitoring and controls purpose-built for card issuing, leveraging over a decade of payments experience and data.
Use cases
Where debit and prepaid fit
Supplier payments
Simplify supplier payments
Use virtual prepaid cards to fund supplier payments at authorization and simplify reconciliation.
Digital banking & cards
Bring banking closer to everyday purchases
Give consumers and SMBs easy access to their money, whenever they need it.
Earned wage access
Pay workers without the wait
Give workers on-demand access to what they've already earned, with a debit card tied to an everyday account.
Virtual cards
Equip workers for every job
Instantly issue virtual prepaid cards with spend controls that ensure funds are used exactly as intended.
Disbursements
Payout customers at scale
Issue prepaid cards loaded at the moment of redemption, making funds available without tying up capital.
Your card program starts here
The tool to build it, the expertise to grow it.
- 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.