What is modern card issuing?


Customizable Open APIs and programmable infrastructure enable new business models and digital experiences.



Build a card program tailored to your unique business needs

Build a card program and issue virtual or physical cards that exactly match your use case

Next-gen credit cards

Provide personalized rewards and dynamic APRs and credit lines

Contactless payments

Instantly provision cards into digital wallets to extend your program’s reach

Instant issuing

Enable payments that can be faster than ACH and more cost-effective than checks

Custom payment experiences

Validate criteria such as vendor, amount, time, and location in real time

Granular fraud control

Dynamically approve or reject transactions in real time based on contextual data

Embedded finance

Blend payments into your user experience

Zero-balance prepaid cards

Release your company funds in real time to help optimize cash flow

Fast reconciliation

Insert custom metadata into transaction records to accelerate reconciliation with your ordering or sales system
Get started
Marqeta

Modern card issuers deliver a flexible and customizable experience

that can enable innovative use cases and easily expand to new markets
Marqeta

Modern card issuing platforms

  • Self-service, developer-centric
  • Flexible and adaptable APIs
  • Digital wallet enablement
  • Dynamic spend controls
  • Data insights
  • Real-time notifications
  • Build once, deploy anywhere

Marqeta

Typical legacy platforms

  • High-touch consulting required
  • Read-only and fixed APIs
  • Lack of digital access
  • Fixed controls
  • Limited and fragmented reporting
  • Lack of real-time information
  • Re-implement in each region

Modern card issuing is empowering innovative, global brands

Marqeta
“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.”
Michael KimMichael Kim,VP Finance

Discover more insights

Stay up to date with the latest industry trends, expert discussions, and educational resources.
Case study

How Moss Stopped Fraud in Real Time with Marqeta

Learn how Moss used Marqeta's Real-Time Decisioning, 3DS, and AI-powered disputes to prevent ~€100k ...
Read more
How Moss Stopped Fraud in Real Time with Marqeta
eBook

The infrastructure behind the next wave of financial services innovation

From digital banking to creator payouts, explore how programmable card infrastructure powers the nex...
Read more
The infrastructure behind the next wave of financial services innovation
Video

One Card. More Payment Options. Flexible Credentials Explained

Learn how Flexible Credentials let a single card switch between debit, credit, BNPL, and prepaid in ...
Watch
One Card. More Payment Options. Flexible Credentials Explained
Case study

Klarna Card Migration Case Study

Learn how Klarna executed a zero-downtime card program migration covering multiple regions, currenci...
Read more
Klarna Card Migration Case Study
Video

Payment infrastructure lessons from scaled businesses

Watch our webinar or how new research from Totavi reveals what scaled businesses learned the hard wa...
Watch
Payment infrastructure lessons from scaled businesses
Guide

The true cost of multi-vendor payment systems

Independent research reveals 91% of scaled fintechs switched payment vendors due to control issues. ...
Read more
The true cost of multi-vendor payment systems

Launch your next payment innovation

Let's talk about your use case and how we can help.
Talk to an expert

© 2026 Marqeta, Inc. 180 Grand Avenue, 6th Floor, Oakland, CA 94612