Cards

The Marqeta DELIVERY Solution provides two options for getting cards into the hands of couriers — bulk order or individual order.

Option 1: Bulk Order

Under this option, Marqeta ships bulk card orders directly to customers, who then distribute them to couriers at their discretion. Customers can choose to either associate all cards in the order with a single "inventory" user or to associate each card with a distinct user upon creation.

To set up the cards:

  • As needed – Add users to the Marqeta platform (users represent couriers; see Create User).
  • As needed – Update users on the Marqeta platform to have courier details (users represent couriers; see Update User).
  • Activate cards (see Create Card Transition).

Option 2: Individual Order

Under this option, customers include card orders in their courier registration process. The card orders are placed using the Marqeta API, and the cards are mailed individually, directly to the courier.

To set up each card:


Funding

The Marqeta DELIVERY solution lets customers choose between minimum, moderate, or maximum control over the funding of user accounts.

Option 1: Minimum Control – Auto Reload

Under this option, customers specify an amount to automatically reload into a user's General Purpose Account (GPA) when the account balance falls below a defined threshold. This ensures that couriers always have a certain amount of funds accessible on cards. Auto reloads can be defined at the user, card product, or program level.

To set up minimum control over funding:

Option 2: Moderate Control – Ad-Hoc Loading

Under this option, customers load funds into a user's General Purpose Account (GPA) based on the monetary amount of accepted orders. This enables the courier to pay for the next pickup while limiting the availability of extraneous funds. Any excess amounts may be unloaded via API post transaction. For an additional layer of control, customers can define Spend Controls in the Marqeta platform.

To set up moderate control over funding:

Option 3: Maximum Control – Gateway JIT Funding

This option leverages Just-In-Time (JIT) Funding against a customer's Program Gateway Funding Source and eliminates the need to load funds manually, thus giving customers the greatest amount of control over funding decisions. User accounts hold a $0 balance until a swipe occurs. In response to a swipe, the Marqeta platform sends a request for funding to a customer-hosted endpoint (the gateway). The customer's own personalized algorithms decide whether or not to fund the purchase. If approved, funds sufficient for the transaction are loaded into the user account, which is then immediately debited to cover the amount of the transaction. If the funding is not approved, the original authorization is declined. This mechanism effectively enables customers to decline authorizations by declining funding. Note: If the user account balance is above $0 and is sufficient to cover the purchase, then the transaction is approved without a request for JIT Funding or customer approval. As in option 2, customers can also define Spend Controls in the Marqeta platform.

To set up maximum control over funding: