White Label App Overview

Marqeta’s White Label App (WLA) is an end-to-end pre-built cardholder app, set to your branding specifications, built and managed for you by Marqeta. As a full card program, it includes compliance, Know your Customer/Business (KYC/KYB), disclosures, disputes, risk & fraud management, ongoing daily operations, and call center support.

What is the White Label App?

WLA lets you deliver a branded financial experience without you ever having to build or operate a card program from scratch:

Launch faster: get to market quickly with a full suite of financial services powered by the Marqeta platform, with minimal code.
Match your brand: a fully customizable app, with themes and components, so financial services feel like your own.
End-to-end program ownership: Marqeta takes full E2E ownership of obtaining bank and regulatory approval and of day-to-day program maintenance.
Stays compliant, stays live: a fully compliant EU product managed to partner requirements, so the program remains compliant and is never at risk of being taken down.
A partner through launch and beyond: from design to launch to ongoing operations, Marqeta handles the details of build, integration, and running the program.

A managed program offering

WLA is a fully managed program offering. This means that Marqeta runs the full experience from building to ongoing operations, ensuring that the following components of your WLA card program are managed and accounted for:

Compliance
KYC/KYB
Disclosures
Disputes
Risk & Fraud
Ongoing operations
Call-center support

Capabilities that lead the offering — and that BaaS providers do not typically offer in the EU today:

Managed EU/UK KYC & KYB
Managed authentication and risk
Regulatory compliance embedded into the product
Bank and regulatory reviews handled end to end
Day-to-day operations of a neo-bank

Who is White Label App for?

WLA is the ideal solution for those looking for an end-to-end fully branded and managed card program. Some example use cases for this offering are:

Segment	Use case
Gig workers	Payout use cases, such as commercial accounts with flex credentials to support consumer transactions (e.g. ride-hail / delivery platforms).
Marketplaces	Payout use cases, such as commercial accounts with flex credentials supporting consumer transactions. Also a consumer use case for day-to-day marketplace owners.
Retailers (offline)	Retailer neo-bank for in-store rewards.
Future: retail employees	Instant / early wage access for retailer employees.

Capabilities

This section provides an overview of the various capabilities that are offered with our White Label App experience.

Onboarding

Feature	Description	Status
Instant Access	Plug into your existing authentication (SSO / Auth0). Users register and log in with familiar credentials for a cohesive, branded experience.	Available
KYC/KYB Verification	Built-in KYC/KYB flow: pre-filled user details, disclosures and T&Cs, in-app photo submission, automated review with approval in minutes.	Available
Card Control	Activate a newly issued card, view card details, lock/unlock, set PIN, request a new card — all self-serve in the app.	Available
Direct Deposit	Simple in-app direct deposit set-up with an employer, instant access to paychecks, real-time deposit tracking and alerts.	Available

Money Movement

Feature	Description	Status
Accounts (interest-bearing)	Core deposit accounts that earn interest for the cardholder.	Available in UK. Full EU readiness soon.
FPS & SEPA	Incoming and outgoing transfers over UK Faster Payments (FPS) and SEPA rails.	Available in UK. Full EU readiness soon.
Open Banking	Open banking connectivity, including account-to-account funding.	Available in UK. Full EU readiness soon.
ATM Withdrawals	ATM cash access with a built-in locator (search radius or device location).	Available

Protection & Support

Feature	Description	Status
Fraud Detection	Real-time push alerts on suspicious activity, report-a-problem, and in-app card lock.	Available
Dispute Resolution	Submit a dispute in a few steps, upload supporting evidence, track progress in real time — all in-app.	Available
In-App Support	AI chat for instant answers with seamless escalation to live agents; context-aware help based on recent activity.	Coming soon

Payment Flexibility

Feature	Description	Status
Secured Card	Deposit-backed credit limit to build credit on everyday purchases; manage the card and payments in-app.	Coming soon
Flex BNPL	Extended purchasing power via MQ Flex — weekly / bi-weekly / monthly plans, in-app loan management, and a provider network that improves approval odds.	Coming soon
Credit	Apply for a credit card, get an immediate decision, and manage transactions and payments in the same app.	Coming soon

Program Management

Delivering on the promise of end-to-end program management for EU customers:

Capability	Description	Status
Bank & regulatory approval	Full E2E ownership of obtaining bank partner and regulatory approvals.	Available
Managed KYC / KYB (EU & UK)	EU/UK identity and business verification, built on WLA and operated by Marqeta.	UK available. EU coming soon
Managed authentication & risk	Authentication, risk, and fraud controls run as a managed service.	Available
Regulatory compliance embedment	Product managed to partner requirements so the program remains compliant and stays live.	Available
Disclosures & disputes operations	Regulatory disclosures and dispute handling operated end to end.	Available
Day-to-day operations	Ongoing program operations, including call-centre support — the daily running of a neo-bank.	Available

EU Compliance

Feature	Description	Status
Secure user authentication	Strong customer authentication (SCA) for login and payments.	Available
Currency converter	In-app currency conversion.	Available
Regulatory disclosures	Required disclosures surfaced natively in the app.	Available
Compliant tap-to-pay	Contactless payments compliant with EU requirements.	Available

Innovative Differentiators

Feature	Description	Status
Spending insights	Monthly recaps, category insights month-over-month, goal setting and progress tracking.	Coming soon
Effortless rewards	Earn rewards on purchases, redeem for cashback, monitor reward trends over time.	Available
Next-Level offers	Personalized deals based on spending habits — view, filter, and redeem instantly.	Available
High-Yield growth	Open a high-yield savings account, track interest earned, transfer funds and interest.	Available

​What is the White Label App?

​A managed program offering

​Who is White Label App for?

​Capabilities

​Onboarding

​Money Movement

​Protection & Support

​Payment Flexibility

​Program Management

​EU Compliance

​Innovative Differentiators