We power modern card issuing

Marqeta is the first global modern card issuing platform, providing the most advanced infrastructure and tools for building highly configurable payment solutions. With its open API, the Marqeta platform is designed for businesses that want a simple and tailored way of managing payment programs so that they can create world-class experiences and power new modes of commerce.

Partner Type

Visa Ready Certified
Fintech Fast Track


Issuer Processor


Visa Ready: Marqeta Platform
Visa BNPL Solution


Visa Ready: Marqeta Platform

Marqeta brings speed and efficiency to card issuing and payment processing with the world’s first open API platform.  Businesses have been limited by slow legacy platforms that did not allow for flexible new program set up and fraud control. Marqeta’s platform allows customers to instantly issue cards with much needed flexibility, control & scale. Our modern platform was built from the ground up and our APIs power innovative payment experiences for many of the apps and services you enjoy daily. Highly configurable, secure and reliable, Marqeta’s platform helps B2B and B2B2C companies compete in a constantly changing digital world.

Reach out for more information on our solution.

Solution Information

Issuer Processor

Visa Credential and Card Support
Prepaid: Consumer
Debit: Consumer, Small Business

In-Region Support
US, Canada, Europe

PCI Compliance

Testing and Environment Information

Solution Deployment
Cloud / On Prem

Tenancy Architecture
Multi-product / Multi-client / Multi-BIN

Comprehensive APIs

Sandbox Testing Environment
All customers, all available transaction types

Uptime Availability in Region(s)

Solution Support

Visa Token Service (VTS) Support
Manual Provisioning, Push Provision

Visa Direct Support

Visa Next Lite Integration

Visa QR Payments ("Scan to Pay" Support)

Customizable Authorization Decisioning

Cutomizable, API-based

Authorization Flow
Fully Managed, Partially Managed

Incremental Authorization

Additional Solution Information

Instant Funding / $0-Balance Transactions

Proprietary or Visa Access Control Server (ACS)

Risk-based Authentication (3DX 2.0)

Real-time Risk Scoring

Custom Fraud Rules

BIN Sponsor Connections

Program Management / End-to-End

Full-service Credit Program Management

Multi-currency Partitioning

Visa Value-added Services Integration

Other Value-added Services Integrations

Operating Countries


Visa BNPL Solutions

Marqeta’s modern card issuing platform empowers banks and FinTech BNPL providers to build flexible payment card programs to help offer and scale BNPL offerings to their consumers and merchants. Once a consumer is approved for a loan for a specific purchase, a virtual card is instantly created and the exact loan amount is disbursed on the card to pay the merchant. This card is used to pay the merchant directly or provided to a consumer to pay through their standard point-of-sale system. Using virtual cards, merchants can leverage their existing payment settlement processes to get paid for BNPL purchases made by the consumer thereby reducing the effort and time to launch this offering to their consumers. 

Key Features

Instant issuance of virtual cards

Marqeta enables BNPL providers to provide virtual cards to facilitate a seamless, swift online checkout at the merchants’ website or store location. Virtual cards with the loan amount can also be issued to users’ digital wallets to pay for purchases in-store.

Immediate transfer of funds

Instead of waiting for batch ACH or electronic funds transfers to be processed, transactions made through virtual cards are completed in seconds, leading to improved cash flow.

Mitigate fraud through dynamic spend controls and JIT Funding

Help ensure that transactions are made for an approved loan by creating custom spend controls such as limiting transactions to a specified merchant or amount. With JIT Funding, virtual cards start with a $0 balance and get funded in real-time when a transaction is approved.

Faster transaction reconciliation

Injecting custom metadata into each transaction provides a greater level of insight into areas of interest, such as loan ID, to speed up transaction reconciliation.

Scale point-of-sale financing with global acceptance

Integrate with merchants around the world more easily by leveraging cards that can be used anywhere Visa is accepted.

Ecosystem of partners

Leverage Marqeta’s BNPL capabilities through its partner banks and ecosystem of integrated POS platforms and providers which includes underwriting/decisioning engines, ledger management/system of record, fraud verification etc. 

Operating Countries