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5 minute read

August 3, 2019

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 shared sandbox environment to explore the capabilities of the Marqeta platform. To access the shared 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:

  • Processor Only: Marqeta assists with certain configuration elements, then enables you to use the platform independently.

  • Processor Plus: 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.

  • 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.

Overall Engagement

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Step One — Prototype in shared sandbox

It is highly recommended that you start development in the shared sandbox environment 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 Two — Private sandbox development

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 private sandbox development.

Step Three — Launch

You have successfully completed the production development of your card program configuration and have been cleared for launch.

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