
Incentives and rewards
Modernize your incentives and rewards campaigns to increase loyalty and improve the customer experience.
The problem
Many incentives and rewards campaigns leverage traditional card solutions that lead to a poor customer experience. These rigid offerings fail to deliver on modern customer preferences and tie up funds on cards that go unused.
The solution
Modern card solutions provide the scale, control, and flexibility needed to keep up with ever-changing consumer preferences. By funding cards as transactions occur, incentives and rewards campaigns help you maximize working capital.
Real world: Incentives and rewards
Virtual card issued to high-value customer for online purchase
Incentive campaign



Your marketing team kicks off an incentive-based campaign.
Card issued
A high-value customer receives an incentive card.
Card presented
Customer uses the incentive card to make a purchase at an online store.
Spend evaluated
Dynamic spend controls are used to ensure the purchase is within the campaign criteria.
Auth requested
Marqeta’s platform is contacted by the appropriate network for authorization.
Notification received



Marqeta webhooks provide real-time notifications on spending that can be used to extend additional offers.
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 transaction is confirmed.
How it works
See how Marqeta creates card programs for for incentives and rewards



“Virtual Incentives is the market leader in payout optimization. Through our long-term partnership with Marqeta, we're able to maximize business outcomes for our global customers, offering unmatched speed, reach, and scale with a collaborative approach and a borderless ecosystem.”
Key benefits for incentives and rewards
Dynamic spend controls
Create customized solutions for your customers and reduce the opportunity for fraud with controls that can be set for a specific merchant, merchant group, category, amount, loyalty score and more.
Flexible card issuing
Instantly issue virtual cards or tokenized cards for digital wallets so customers can start spending right away, or issue branded physical cards.
JIT (Just-in-Time) Funding
Start each card with a $0 balance and fund at the time of transaction in accordance with campaign and card program criteria. Avoid tying up capital and the hassle of sweeping unused funds off cards at the end of each campaign.
Data insights
Track the success of your rewards program with visibility into customer habits, spending, balances, and more.
Webhooks
Receive notifications on card activity as events happen (e.g., alerts on low card balance can provide an opportunity to extend a promotion to a high-value customer).
Inject metadata into each transaction record
Append metadata to each transaction to ease reconciliation and track specific customer groups.
