Question 1

Expand beyond your first product

Accepted Answer

Add a credit card to your debit product, embed BNPL at checkout, or launch a spend management offering, each one a new revenue line built on the customer relationships you already own.

Question 2

Turn your financial workflows into a richer relationship

Accepted Answer

Issue cards as the access mechanism for funds, link cards to existing accounts, or embed spend management directly into how your customers already move money, with spend controls that execute at the exact moment of authorization by merchant, category, or amount.

Question 3

Add modern issuing without rebuilding your tech stack

Accepted Answer

Complement your existing infrastructure with modern issuing capabilities: virtual cards issued in seconds, transactions funded at the moment of approval, and live data that lets you adapt rewards and notifications in real time, all running alongside what you already have.

Question 4

Migrate to modern infrastructure without disruption

Accepted Answer

Bring your existing program across without disrupting existing volume, and access capabilities like stablecoin settlement and flexible credentials that open up entirely new use cases from day one.

Question 5

What is the advantage of using one platform instead of several stitched-together card systems?

Accepted Answer

A single platform like Marqeta adapts as a card program provider's business grows, whether that growth comes from a new product, a new market, or higher volume, rather than requiring multiple systems stitched together. This means support from first transaction to global scale without switching infrastructure partners along the way.

Question 6

How can financial institutions generate new revenue without acquiring more customers?

Accepted Answer

Financial institutions can add new card products and revenue lines to relationships they already have, rather than relying solely on acquiring new customers. Using the Marqeta platform, a card program provider can expand its existing accounts with additional products, which changes the profitability math without depending on customer acquisition.

Question 7

What problems does relying on a legacy processor create for card issuing programs?

Accepted Answer

Relying on a legacy processor means a card program provider's roadmap depends on someone else's priorities, since every change request comes with a waiting period and a price tag. While a provider waits, competitors using more flexible infrastructure can pull ahead. An API-first platform like Marqeta lets providers move at their own pace instead.

Question 8

What does it mean for a fintech to outgrow its card infrastructure stack?

Accepted Answer

Outgrowing a card infrastructure stack means the systems that got a fintech to market can't support what comes next, as new products, new geographies, and greater scale put pressure on infrastructure built for an earlier stage. The Marqeta platform is designed to let a fintech expand into new products, markets, or volume without rebuilding its integration each time.

Question 9

What kinds of new card products can a company add to its existing offering?

Accepted Answer

A company can add a credit card to its debit product, embed buy now, pay later using flexible credentials, or launch a spend management offering, each functioning as a new revenue line built on a customer relationship it already owns. These are just a few examples of how financial services companies expand on the Marqeta platform.

Question 10

How do banks and financial institutions with legacy infrastructure add modern card capabilities?

Accepted Answer

Banks, wealth managers, and insurers with decades of existing infrastructure can run modern card capabilities alongside their current stack rather than replacing it, letting them compete on experience rather than trust alone. Citi, for instance, extended its commercial card capabilities through Marqeta's Tokenization-as-a-Service without a rip-and-replace of existing systems.

Question 11

Can Marqeta support the migration of an existing card program off a legacy processor?

Accepted Answer

Yes. Marqeta supports migrations with a structured, low-disruption path that handles physical cards, virtual cards, and tokenized credentials, so the transition is invisible to cardholders. Programs move to modern infrastructure with real-time controls, dynamic credentials, and faster product launches, without putting existing volume at risk. Klarna migrated millions of physical, virtual, and tokenized cards to Marqeta's cloud-native platform across multiple geographies with zero customer downtime.

Modern card infrastructure for any stage of growth

The challenges fintechs and financial institutions bring to us — and how we solve them

The card experience your customers expect has moved faster than your infrastructure

Add a product, build a resilience layer, or migrate a portion of your program to a modern platform. One platform supports all of it, at whatever pace makes sense for your organization.

The platform that got you here may not be the right one for where you're going

From launching your next product to expanding into new markets, one platform helps you grow revenue without outgrowing your infrastructure again.

The card experience your customers expect has moved faster than your infrastructure

Add a product, build a resilience layer, or migrate a portion of your program to a modern platform. One platform supports all of it, at whatever pace makes sense for your organization.

The technology decision that matters more than most companies realize

One platform, tailored to how you make money

One platform, not several stitched together

Learn from the front lines of payments

Frequently asked questions