Processing and settlement Hero

Processing and settlement

Gain unparalleled control and transaction speed.



Ensure a secure and frictionless consumer experience


Spend controls

Reduce fraud by limiting the amount and location of transactions


Just-in-Time (JIT) Funding

Authorize and fund each transaction in real time, free up capital, and improve​ cash flow

Marqeta’s expertise in financial services and relationships across the payments ecosystem has enabled us to implement a highly successful card program. Their integrations with the issuing banks and card networks have been instrumental in helping us establish our program, and Marqeta’s attention to fraud, risk, and compliance has matched our high standards as we scale. These capabilities have allowed us to accelerate our time to market and better serve the needs of Square sellers


Christina Riechers,

General Manager of Business Banking


Ensure secure authentication


Marqeta ensures card authentication via PIN or signature verification for scenarios where the card is present. For scenarios where the card is not present, Marqeta provides address verification, card verification value (CVV), or 3D Secure (3DS) to authenticate the user.


Authorize transactions based on your own business rules in real time. You can limit spending by merchant, merchant category, merchant group, amount, users, user group, frequency of use, time of use, start/end times, and more.


With JIT (Just-in-Time) Funding each card maintains a $0 balance until the transaction is approved in real time. By configuring an endpoint on your system, you can receive and respond to JIT Funding requests from Marqeta and directly participate in the authorization decisioning. Upon approval, Marqeta automatically moves funds from your funding source into the appropriate account.


For dual-message transactions where the clearing and settlement happens after the authorization (e.g., restaurant tips after the meal price is authorized), Marqeta receives the clearing files from the network, processes the remaining transactions, and communicates back to the network on a daily basis.


Implement Marqeta webhooks to receive information as Marqeta processes various events. You can turn on these notifications to provide real-time, meaningful messages to your end users and customers. For example, as soon as a food delivery order is paid for, you can notify your customer via SMS. (E.g., “Your order will arrive shortly.”) This applies to real-time events that happen post-transaction at clearing time as well. For example, you’ll receive notifications on returns and refunds as they happen to help you apply the right amount of credit to an account in a timely matter.


In Gateway JIT, you can inject custom metadata into each transaction to accelerate your reconciliations. For example, inserting a “Booking ID” into the transaction helps you correlate your records (e.g., records from your ordering or purchasing system) with Marqeta’s transactions faster.

Marqeta Cards

Launch your next payment innovation

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