Accounts & money movement
Give your customers a complete financial experience
Flexible, configurable accounts and money movement APIs that integrate directly into your platform.
Amplify your card offering with accounts and money movement tools
The international capabilities and partnerships that enable you to build the right solution for your business.
Support critical stages of your customer's financial journey
From account opening and funding to spending, disbursing and enabling money movement, deliver consistent experiences across the interactions that matter most to your customers.
Build with technology that flexes with your business
Build experiences that reflect your brand and meet your customers where they are, with configurable APIs tailored to match your unique needs, not a one-size-fits-all model.
Launch and scale with one trusted partner
Get to market quickly with Marqeta's dedicated payments experts and long-standing relationships with card networks and licensed bank partners.
Broaden your solution beyond the card
Deliver a comprehensive financial offering for consumers or businesses.
Consumer solutions
Power financial products that keep customers engaged and coming back.
Marqeta's technology gives you everything you need to build a complete financial experience that customers actually want. Whether you want to offer workers instant access to their wages or embed accounts into your app, our flexible APIs give you the control to design and deliver experiences that drive long-term loyalty.
Commercial solutions
Give businesses smarter ways to manage, move and spend their money.
From corporate payments to commercial accounts, Marqeta's payment infrastructure gives businesses the control and flexibility they need to manage money at scale. Connect accounts, move money across borders, and give suppliers instant access to funds, all through one flexible platform that grows with your business.
How it works
A complete financial experience, built around your card
From account opening to money movement tools and rewards, we give you the tools to launch and scale financial products internationally.
Safely store funds
The right account for every program
Power any financial solution with the right account. Every account comes paired with a branded card so customers can spend the moment they're funded.
- Choose the right account structure for your program, from everyday spending accounts to savings accounts and pre-funded accounts.
- Offer customers locally-compliant, safeguarded accounts with flexible spend limits
- Help customers get more from their money with flexible account options
Enable money movement
Go beyond the rails to offer payments that fit your program
Give customers complete control over how they send, receive and access their money. From real-time transfers to scheduled payouts, every payment need is covered.
- Move money in seconds with real-time payment rails and card-based payments
- Link and verify external accounts through open banking
- Support scheduled payments and recurring transfers through trusted payment rails
- Bridge digital and physical cash needs with ATM access, cash deposits and mobile check capture
- Access international coverage with dedicated local rails
Pay any recipient
Complete your card program with non-card payouts
Pay any business or individual, whether they are a supplier, a contractor, or a customer, through a dedicated API for non-card money movement.
- Pay out by ACH, same-day ACH, Real-Time Payments (RTP), or push to card, all through one integration
- Reconcile every disbursement alongside your card program, in a single view
- Complete your card offering with a non-card option, instead of adding a separate provider
Offer personalized rewards
Build loyalty that keeps customers spending
Turn everyday spending into a reason to keep coming back. Build and launch custom incentive programs that reward customers in the ways that matter most to them.
- Flexible reward structures including cashback, points and promotional offers
- Configurable earning rules by merchant, spend category or customer segment
- Full control from earning through to redemption
Innovators build with Marqeta
Co-create with Marqeta to launch category-defining financial services.
Bringing your card program to life with pre-built components designed by payments experts
Whether you're serving consumers or businesses, Marqeta has the front-end UI tools to match.
Build payment experiences on a single platform
Access to every capability you need to deliver an embedded experience, built to flex around your market and your users.
Accounts
Spending Accounts
Savings Accounts
Virtual Accounts (UK/EU)
Digital Wallets
Account to account payments
ACH
Same-day ACH
Direct Deposit
Early Pay
SEPA Credit (UK/EU)
Instant payments
Real Time Payments (RTP)
FPS (UK)
SEPA Instant (EU)
Card-based payments
Push to Card
Pull from Card
Everyday money tools
Surcharge-Free ATM Access
Cash Loads
Mobile Check Deposits
Open banking
External Account Linking Service
Balance Checks
Account Owner Verification
Microdeposit Verification
Build programs that last, with the right partner
The expertise, infrastructure, and partnership to take your program from launch to lasting.
Frequently asked questions
Marqeta is not a bank or a lender. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.
Marqeta's support for these products varies by jurisdiction. Contact us for details on what is currently available in your jurisdiction, and what's on our roadmap.