PLATFORM
Card programs built for scale, designed to flex
One configurable platform spanning debit, credit, and flexible credentials — backed by the international reach and expertise to execute at scale.
The payment platform that won’t make you choose
Built for enterprise scale. Flexible enough to match how your business works.
One tech stack across markets
Launch in one market and expand to 40+ countries on the same integration. One consistent experience for your team and your cardholders.
Programs as unique as your customers
Set spend rules, funding models, and program parameters to match the needs of your business, not the limitations of your platform.
Enterprise depth, without legacy limits
Built to meet the demands of enterprise brands. Cloud-native infrastructure ensures growth never depends on whether your platform can keep up.
$400B+
processed in the last four quarters1
40+
countries certified to operate
1,000+
peak transactions per second
99.99%
platform uptime in 2025
How Square deepened seller relationships through integrated banking.
Read case study
How Klarna migrated nearly 3 million cards across multiple markets. Zero downtime.
Read case studyPlatform
A unified platform, built around card issuing
Structured for developers
Proven at enterprise scale
Backed by payment experts
Card issuing & processing
One environment to issue and process multiple card types
Issue physical, virtual, and tokenized cards across programs for consumer and commercial users. Decide where, when, and how each card can be used at the transaction level, with rule changes taking effect in real time.
- Debit and prepaid
- Credit
- Flexible credentials
Flexible credentials
Power a single card that adapts to debit, credit, BNPL, and more. Customers choose how to pay at the moment of purchase and your card earns top-of-wallet status.
Card processing
Authorize, decline, and route at the transaction level with dynamic spend controls. Then change the rules in real time as your program and your risk posture evolve.
Stablecoin
Stablecoin-backed cards link directly to existing card rails. Cardholders can spend stablecoins anywhere cards are accepted without new integrations or added regulatory burden.
Credit services
A credit experience built for your brand
Create a credit experience built for your brand, from design to cardholder servicing, instead of fitting your program into someone else's box.
- Control the user experience
- Dynamic underwriting
- Modern rewards capabilities
- Collections, compliance, and servicing
Accounts & money movement
Complete the financial experience around your card
Accounts, transfers, and cash access built with the same granular control and flexibility as your card products, configured in the same platform.
- Accounts
- Payments and transfers
- Cash access
Risk & fraud
Protect every stage of the cardholder journey
Risk and fraud tools built specifically for card issuers, not adapted from general-purpose fraud tools, and informed by nearly two decades of proprietary issuer data.
- Know Your Customer (KYC)
- Real-Time Decisioning & 3DS
- Disputes
User experience
Accelerate your front-end development
Our UX Toolkit gives you expert-designed, robust compliance guardrails and applications built for your use case. Your team ships a branded experience without building the front end from scratch.
- APIs
- SDK
- White-label app
See what you can build on our platform
Your use case, your configuration, our expert guidance.
A platform and a partner, from day one
Hands-on support and expert guidance from a team that has supported some of the world’s most innovative, boundary-pushing brands.
Launch with the right partners
Partner decisions are hard to unwind. We help you pick the banks and networks that fit your program, then handle the BIN sponsorship, network approvals, and card fulfillment from choice to launch.
Protect your program, and your brand
Expert-managed KYC, AML, monitoring, and disputes built to scale with your business, shielding your brand long before a compliance gap ever reaches your customers.
Support cardholders 24/7/365
Cardholders call when something goes wrong, whatever the time. Staffing, technology, and processes built specifically for payments mean they reach someone who knows the answer.
What scaled teams wish they'd known sooner
By the time most companies realize they've outgrown their platform, the damage is done. Our independent report reveals the true cost of a multi-vendor strategy.
64%
wished they had chosen unified infrastructure from the start2
70%
found migrations took two to three times longer than expected2
91%
of scaled companies switched payment providers at least once2
“Using too many vendors became death by a thousand API calls — the technical overhead slowed our progress significantly.”
CUSTOMER STORIES
The stories behind the programs that last
Explore research, customer stories, and practical guidance from across the payment landscape.
Build programs that last, with the right partner
The expertise, infrastructure, and the partnership to take your program from launch to lasting.
- As of June 30, 2026
- The true cost of multi-vendor payment systems, Totavi, 2026
Marqeta is not a bank. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.