How smart platforms are turning payments into profit
Picture this:
A fintech that helps small retailers manage supplier orders and inventory. On Monday, a store places a $5,000 stock order. By Tuesday, the store has paid three vendors using a mix of ACH, paper check, and card-on-file. Half of it gets flagged. The other half takes four days to clear. The store’s dashboard? Doesn’t show any of it.
Now imagine if this fintech owned the entire financial flow, helping that business—issuing cards, authorizing supplier payments, reconciling automatically, and surfacing insights in real-time.
That’s what embedded commercial payments make possible.
And the platforms doing it well aren’t just managing cash flows—they’re providing value and building loyalty at scale by making these features available all in one place.
Why commercial platforms should care
Helping your customers run their business is table stakes.
Helping them grow their business? That’s the real opportunity.
Small businesses don’t just need better workflows—they need spending power. And platforms that help unlock it, win.
By embedding commercial card products, you can offer more than just transactions: you can provide a line of credit that helps your customers scale their operations, smooth out their cash flow, and invest in your platform's growth through interchange fees at the same time.
Think about it. You already have the data. You already own the experience.
Now you can offer embedded credit, intelligent spend controls, and personalized rewards—all from within your platform.
67% of B2B buyers would switch to a provider with more consumer-like payment experiences.- Embedded spend tools help you deliver that experience—with the real-time control, flexibility, and personalization they expect.
Meanwhile, many platforms still rely on third-party processors and ACH rails that create friction, delay cash flow, and disconnect spend from the user experience.
That’s not just a UX problem. That’s profit margin and loyalty, left on the table.
What embedded payments should look like
Great commercial payment solutions empower commercial platforms to seamlessly integrate card issuing, expense management, and supplier payments directly into their platforms. That means you’re not just connecting to financial systems—you’re becoming one.
Supplier payments made simple
Now, let’s take a B2B platform that is helping SMBs manage inventory. With the right commercial payment solution, the platform can issue virtual cards to pay vendors directly, configure spend controls, and automatically reconcile payments by invoice metadata.
Suppliers get paid faster. Clients get full cash flow visibility. And the platform can potentially earn interchange on every transaction. It’s a win-win!
Smarter spend management
What about a platform that uses a commercial payments solution to issue cards to their technicians, controls what purchases can be authorized based on transaction time or merchant, and receives real-time alerts on any flagged transactions?
- Better visibility into transactions
- Granular control of each transaction (how, why, where)
- Real-time control and input
- Better serve your customers and cardholders
Real-time visibility and control
A payment platform like this provides live transaction data, dynamic spend controls, and tokenized card provisioning—all delivered through open APIs.
Features that make it all work
Commercial platforms choose Marqeta for the features that move fast, scale big, and plug into what you’re already building:
- Just-in-Time (JIT) Funding — Fund precisely what’s needed, when it’s needed.
- Dynamic Spend Controls — Configure rules by merchant, category, geography, or amount.
- Tokenization & Instant Issuance — Provision cards in wallets instantly, no plastic needed.
- Global Scale — Issue in over 40 countries, with built-in compliance and risk controls.
- Open APIs & Webhooks — Fully integrate transaction data into your product in real time.
- Program Management & Compliance — We can help with the legal maze. Marqeta handles PCI, KYC/AML, network rules, and bank relationships.
You own the experience. Marqeta helps power what’s behind it.
Real examples
Spendesk, a leading European expense management platform, utilizes Marqeta to provide dynamic employee cards with customizable spending limits. Customers issue cards in minutes, restrict spend by category, and track expenses down to the transaction. All from one dashboard.
Learn more →
Why embedded payment tools are a win-win
For your users:
- Faster payments = stronger cash flow
- One platform can help run operations and manage money
- Fewer apps. Fewer errors. More trust.
For you:
- Interchange revenue
- Stickier user behavior can lead to higher LTV
- More reasons to upsell into capital, credit, and treasury tools
It’s not just “value add.” It’s value owned.
Why Marqeta?
Marqeta’s platform is designed for commercial platforms scale:
- API-first. Build what you want, how you want it.
- Global-ready. Operate across borders with built-in compliance.
- Fast to market. Proven playbooks get you up and running faster.
- Modular features. Start with card issuing. Add expense controls. Expand into commercial credit.
And unlike traditional providers, Marqeta is designed for builders.
The opportunity in front of you
Your customers are looking for more than software. They’re looking for platforms that solve real business problems—including how to spend, track, and optimize money.
Commercial platforms that embed payments become essential to their customers, creating a stickier brand. They reduce friction. They unlock growth. They offer a financial edge, not just a feature set.
And the timing? It’s perfect. The shift is already happening.
From useful to unforgettable
You’ve already built a platform people use. Now build one they depend on.
Turn supplier payments into profit. Turn expense management into automation. Turn spend into a story you can control.
