> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # 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 |