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Onboarding a cardholder into the White Label App (WLA) through Managed Onboarding happens with a simple step on the customer-facing API, and all other required steps occurring automatically.

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Onboarding steps

1

Identity verifications for Know Your Customer/Business (KYC/KYB)

The applicant’s identity is verified through an intake form plus a regulated ID and selfie capture. This step requires you to create an intake form that calls the Marqeta KYC or KYB API, as Marqeta hosts the KYC and KYB webviews. 
2

Account setup

Marqeta provisions the user’s entities, a checking or current account, and rewards enrolment behind the scenes. This step is entirely managed by Marqeta. 
3

App setup

The cardholder signs in, secures their device, and finishes card setup inside WLA. This step is handled by the cardholder and Marqeta. 

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Identity verification for Know Your Customer/Business (KYC/KYB)

Know Your Customer/Business (KYC/KYB) verification confirms the applicant’s identity before Marqeta creates an account.
1

Collect applicant info

Your intake form collects the applicant’s information, then you call POST /applications to submit it.
2

Receive the KYC URL

Marqeta returns a kyc_url once the application status is KYC.
3

Redirect to the hosted webview

Redirect the applicant to kyc_url. Marqeta’s hosted webview walks them through choosing an ID type, capturing the front and back of the ID, capturing a selfie, and confirming success.
4

Screening

In parallel, Marqeta screens the applicant against sanctions and politically exposed person (PEP) lists for their geography (EU and UK), at onboarding and daily thereafter.
5

Decision

Marqeta sends APPLICATION_APPROVED (or REJECTED/EXPIRED) when a decision is reached.
A confirmed sanctions or PEP hit holds the application. Marqeta never creates an account or card for a sanctioned applicant.

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User intake and integration options

If an applicant drops off mid-capture (for example, after the front-of-ID step but before the selfie), they resume from that exact step rather than starting over. This applies only to Marqeta-hosted surfaces. With the partner-owned intake option, resuming your own intake form is your responsibility.

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Account setup

The Account setup step happens automatically — no action is needed from you. On approval, Marqeta creates the user’s entities, opens their checking or current account (firing the ACCOUNT_ACTIVATED and deposit-account webhooks), and registers them for rewards. There is no customer-facing API for this step today.

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App setup

This step happens from inside WLA.
Drop-offs anywhere in the app setup step resume from the exact screen where the cardholder left off.
1

Sign in

The cardholder signs in with Google single sign-on (SSO), which adds a one-time passcode (OTP) step, or your customer SSO, which doesn’t. Their device is verified and registered, and they set a password.
2

Enable biometrics

The cardholder can optionally enable Face ID, Touch ID, or fingerprint sign-in. This step is skippable, and the password serves as a fallback.
3

Set up their card

The cardholder provides a shipping address and PIN if your program issues physical cards, or chooses a digital-wallet tokenization option if it doesn’t.
4

Confirm and enable notifications

The cardholder sees a confirmation screen, then opts in to push notifications, then lands on the app home screen.