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Your Development
This guide summarizes the processes and requirements for integrating with the Marqeta platform and launching your card program in a production environment. Refer to the Core API Reference documentation to learn more about each endpoint of the Marqeta platform, including supported methods, fields, and code samples. Marqeta also offers a series of Developer Guides that introduce you to important Marqeta concepts and how they fit into the larger payments ecosystem.
Note
Use the sandbox environment to explore the capabilities of the Marqeta platform. To access the sandbox, sign up for an account on Marqeta.com and follow the Core API Quick Start guide.Depending on your card program configuration and desired level of control and responsibility, Marqeta can work with you in one of the following ways:
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Processor Only (Beta): Marqeta assists with certain configuration elements, then enables you to use the platform independently.
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Processor Plus (Beta): In addition to working with Marqeta in a processor only engagement model, you rely on Marqeta for specific requirements such as KYC or card fulfillment.
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Program Manager: Marqeta is the Program Manager and manages your program for you, providing a full-service experience and configuring most of the critical resources required by your production environment.
The table below lists the primary tasks related to launching a production card program and clarifies the differences between the engagement models.
| Requirement | Processor Only | Program Manager |
|---|---|---|
Defining BIN configuration with the card network/scheme |
You |
Marqeta |
Approving and managing the program with the card network/scheme |
You |
Marqeta |
Approving and managing the program with the issuing bank |
You |
Marqeta |
Ensuring program compliance with regional regulations |
You |
Marqeta |
Ensuring program compliance with bank and card network mandates |
You |
Marqeta |
Configuring the customer processing environment |
You |
Marqeta |
Configuring funding methodology |
You |
Marqeta |
Providing API access (controls, user management, etc.) |
Marqeta |
Marqeta |
Configuring webhooks |
You* |
Marqeta |
Processing card network/scheme events (auth, clearing, etc.) |
Marqeta |
Marqeta |
Issuing and fulfilling cards |
You* |
Marqeta |
Managing card inventory and fulfillment providers |
You* |
Marqeta |
Managing tokenization with the card network |
You |
Marqeta |
Engaging with the wallet providers |
You |
Marqeta |
Providing Tier II technical support |
Marqeta |
Marqeta |
Sending daily card network reporting files to issuing bank |
Marqeta |
Marqeta |
Reconciling with the card network |
You |
Marqeta |
Monitoring transactions (fraud, AML, etc.) |
You* |
Marqeta |
Managing disputes |
You* |
Marqeta |
Managing KYC |
You* |
Marqeta |
*Marqeta offers a fee-based additional service, in the Processor Plus engagement model.
Regardless of how you work with Marqeta, you must participate in business readiness, due diligence and integration verification tasks as you develop your production application. These processes typically run in parallel and can influence each other as shown below.
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Step 1 — Prototype in your user sandbox
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It is highly recommended that you start development in your user sandbox to familiarize yourself with the Marqeta platform and its object models.
When you are sufficiently comfortable with the platform, contact your Marqeta Business Development Representative to initiate the sales process.
Step 2 — Develop in your program sandbox
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When you have an approved card program configuration and whitelisted IP addresses for your sandbox, Marqeta can then issue you keys enabling you to begin development in your program’s sandbox.
Step 3 — Launch
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You have successfully completed the production development of your card program configuration and have been cleared for launch.