Flexible Credentials
One card. Every way to pay.
Power a single card that adapts to debit, credit, BNPL, and more, driving engagement and earning top-of-wallet status.
Launch a flexible payment solution that moves your business forward
Multiple funding sources, one card
Deliver one card with multiple payment methods, including debit, credit, or BNPL, to drive payment flexibility and top-of-wallet usage.
60% of consumers aged 25-44 want more flexible payment options. 1
Drive revenue by reducing checkout friction
A single credential reduces drop-off, helping you recover revenue and improve conversion.
~70% of e-commerce carts are abandoned, often due to payment friction. 1
Get products to customers faster
Launch faster with a single card that supports multiple use cases. Skip the complexity of managing separate cards, and get new products into customers’ hands sooner, without reissuing.
Build the next generation of payments
Go beyond traditional cards with a flexible payment solution designed for how people pay, delivering dynamic, personalized experiences that adapt in real time.
The first Flexible Credentials provider
Marqeta is the first issuer processor in the U.S. certified for Flexible Credentials and has already brought multiple programs to market at scale, enabling customers to launch a single card that combines debit and credit functionality.
How it works
A new standard for how people pay
Single card, multiple payment methods
Combine debit, credit, and more into one credential to reduce card clutter and operational complexity for your team.
Real-time payment flexibility
Let cardholders seamlessly switch to their preferred payment type prior to purchase.
Personalized payment experiences
Enable users to set preferences, choose defaults, and toggle payment methods within your app.
Choose your network
Marqeta is certified across major networks, so you can launch Flexible Credentials with the partner that fits your program.
Build programs that last, with the right partner
The first issuer processor certified for flexible credentials, ready to help you launch.