Payment Solutions

On-demand services

Onboard new merchants and couriers at scale and control fraud.

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The problem

To scale, on-demand services companies need to accelerate the onboarding of new merchants without lengthy contractual agreements. They also need to provide on-demand payment methods for their drivers to enable real-time pickup and delivery. Lastly, they need tighter operations and fraud control.

The solution

With instant issuance and tokenized cards, on-demand services companies can onboard new couriers quickly without waiting for plastic cards. They also can onboard new merchants without any system integration. Flexible spend controls and the ability to issue zero-balance cards that are funded in real time help reduce the risk of fraud.

Real world: on-demand delivery

Grocery purchase from on-demand apps or websites

On-demand app

Order placed

Your customer orders a delivery of groceries using an app or website and enters their form of payment.

Notification received

Marqeta webhooks allow real-time notifications upon transaction completion.

Marqeta platform

Driver’s card enabled

Zero-balance physical or virtual cards are provided through Marqeta’s platform to every driver.

Spend evaluated

Managed or gateway spend controls can be customized to minimize fraud and ensure funds are only used as intended.

Funds released

Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Grocery store

Card presented

Purchases can easily be made anywhere that Visa and Mastercard are accepted.

Auth requested

Marqeta’s platform is contacted by the appropriate network for authorization.

Transaction completed

Authorization is successful and the payment is confirmed.

Order placed

Your customer orders a delivery of groceries using an app or website and enters their form of payment.

Driver’s card enabled

Zero-balance physical or virtual cards are provided through Marqeta’s platform to every driver.

Card presented

Purchases can easily be made anywhere that Visa and Mastercard are accepted.

Auth requested

Marqeta’s platform is contacted by the appropriate network for authorization.

Spend evaluated

Managed or gateway spend controls can be customized to minimize fraud and ensure funds are only used as intended.

Funds released

Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Transaction completed

Authorization is successful and the payment is confirmed.

Notification received

Marqeta webhooks allow real-time notifications upon transaction completion.

“The relationship we have with Marqeta is a true partnership. Their solution is mission critical for DoorDash. Without Marqeta’s platform and APIs there would be lots of use cases that we couldn’t serve. A lot of restaurants require payments at the point of sale, and Marqeta allows us to do that and serve the needs of our restaurants the way they would like to be served.”

 

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Mike Kim
VP of Finance

Key benefits for on-demand services

Card form factor variety

Leverage tokenized cards for quick onboarding of service staff, virtual cards for online orders, and physical cards for wide acceptance.

Instant card payments

Onboard merchants quickly as cards are accepted everywhere Visa/Mastercard is. Onboard drivers quickly by issuing tokenized cards for use on the same day.

Dynamic spend controls

Reduce fraud by providing drivers with zero-balance cards and authorize purchases based on merchant identity and amount (e.g., a $18.88 pickup at ABC merchant).

JIT (Just-in-Time) Funding

Release funds based on authorization requests, eliminating the need to tie up cash with prefunded cards.

Webhooks

Enable real-time notifications to alert consumers that a transaction is occurring and their delivery should be on its way.

Inject metadata into each transaction

Easily reconcile payment transaction records with order systems (e.g., by adding an order number or driver ID to the transaction record upon authorization).

Platform overview

An API-first technology platform that will shape the future of your payments

​Solutions overview

Modern card issuing that is powering innovative payment experiences across industries

Developer portal

Start building your card program

  • Developer guides

    Discover key concepts of the Marqeta platform with hands on tutorials

  • Data insights

    View filterable, curated production data and personalized insights

  • Core API

    Issue cards, fund accounts, manage payments, and more

  • API explorer

    Explore our endpoints, make API requests, and quickly prototype your product

About us

We are on a mission to empower the world’s innovators