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No. 5 of 20 ·Card Issuing Platforms

Marqeta

Web · API

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Freedom report

One barScore 5.5

  • Free tierNo free tier on record
  • Open codeNo open-source code on record
  • Runs widely1 of 6 device platforms
  • DocumentedPlans, terms and facts published

Marqeta provides a configurable card issuing and payment processing platform for businesses building payment programs. It supports debit, prepaid, credit, and flexible credentials in physical, virtual, and tokenized card forms. Programs can apply transaction-level rules and change spend controls in real time, alongside capabilities for accounts, payments, transfers, and cash access. Risk features include KYC, real-time decisioning, 3D Secure, and disputes. Developers can use APIs, SDK tools, documentation, and a sandbox to build and test programs. Cards can be provisioned to Apple Pay, Google Pay, and Samsung Pay. Marqeta describes partnerships across banks, networks, fintech and banking providers, and consulting and integration firms. Its Trust Center lists PCI DSS, SOC 1, and SOC 2 certifications, with controls tested by independent auditors. Customers may retain PCI compliance responsibilities. Program services include 24/7 cardholder support, card fulfillment, and compliance management. Availability varies by jurisdiction, and pricing is on request. The company is headquartered in Oakland, California.

Who it is for

Marqeta is aimed at fintechs, financial institutions, and technology companies building card or payment programs. Prospective customers should check availability in their jurisdiction and clarify their PCI compliance responsibilities.

What is good

  • Supports physical, virtual, and tokenized cards
  • Changes spend controls in real time
  • Includes APIs, SDK tools, and a sandbox
  • Supports Apple Pay, Google Pay, and Samsung Pay
  • Offers 24/7 cardholder support

What to know first

  • Pricing is on request
  • Availability varies by jurisdiction
  • Customers may retain PCI compliance responsibilities

Verdict

Marqeta combines card issuing, payment processing, transaction controls, and developer tools for payment programs. Confirm local availability and compliance responsibilities before proceeding.

Marqeta plans and pricing

All plans
Enterprise platform Not published Contact sales; pricing not stated on the pages reviewed marqeta.com · 3 Oct 2026

Compared on card issuing platforms

Virtual cards
Yes
Physical cards
Yes
Issuing API
Yes
Spend controls
Yes
Funding and balances
Yes
Card program support
enterprise
KYC/KYB tools
Yes

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