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SPECIFICTION
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Marqeta

marqeta.com

WebAPI
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Spec score 7.6 #5 of 22 in Card Issuing Platforms

What it is

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 set transaction-level rules and adjust spend controls in real time, alongside capabilities for accounts, payments, transfers, and cash access. Risk tools include KYC, real-time decisioning, 3D Secure, and disputes. Developers can use APIs, SDK tools, documentation, and a sandbox to build card programs. Cards can be provisioned to Apple Pay, Google Pay, and Samsung Pay. Marqeta describes an ecosystem of bank, network, fintech, banking, consulting, and integration partners. Its Trust Center lists PCI DSS, SOC 1, and SOC 2 certifications, with controls tested by independent auditors; customers may still retain PCI compliance responsibilities. Program services include 24/7 cardholder support, card fulfillment, and compliance management. Product support varies by jurisdiction, and pricing is on request.

Spec sheet

What it does
Marqeta provides a configurable card issuing and processing platform for payment programs.Read 3 Oct 2026 · marqeta.com
Integrations
Marqeta describes an ecosystem of fintech and banking, spend management, core banking, consulting, and integration partners.Read 3 Oct 2026 · marqeta.com
Support
Marqeta says its program services include 24/7 cardholder support and help with bank relationships, network approvals, compliance, and operations.Read 3 Oct 2026 · marqeta.com
Headquarters
Marqeta lists its corporate headquarters at 180 Grand Ave, Oakland, California.Read 2 Oct 2026 · investors.marqeta.com
Founded
2010Read 28 Sep 2026 · marqeta.com
Accounts and transfers
The platform offers accounts, payments and transfers, and cash access alongside card products.Read 3 Oct 2026 · marqeta.com
Availability
Marqeta says its supported services vary by jurisdiction and directs prospective customers to contact it for availability details.Read 3 Oct 2026 · marqeta.com
Availability limit
Product support varies by jurisdiction, and Marqeta directs prospective customers to contact it about local availability.Read 2 Oct 2026 · marqeta.com
Card types
The platform supports debit, prepaid, credit, and flexible credentials, including physical, virtual, and tokenized cards.Read 3 Oct 2026 · marqeta.com
Company history
Marqeta's about page says it was founded in 2009 by Jason Gardner and launched open APIs in 2014.Read 3 Oct 2026 · marqeta.com
Customer support
Marqeta says its program services include 24/7 cardholder support, card fulfillment, and compliance management.Read 2 Oct 2026 · marqeta.com
Developer access
Marqeta provides APIs, a developer sandbox, API credentials, transaction simulation, and webhook setup instructions.Read 3 Oct 2026 · marqeta.com
Digital wallet integrations
Marqeta supports provisioning cards to Apple Pay, Google Pay, and Samsung Pay.Read 2 Oct 2026 · marqeta.com
Intended customers
Marqeta describes its open APIs as serving fintechs, financial institutions, and technology companies.Read 3 Oct 2026 · marqeta.com
Partner integrations
Marqeta describes an ecosystem that includes bank and network partners, fintech and banking partners, and consulting and integration partners.Read 2 Oct 2026 · marqeta.com
PCI responsibility
Marqeta states that its customers may retain PCI compliance responsibilities, although its widgets can reduce some of them.Read 3 Oct 2026 · marqeta.com
Real-time controls
Programs can set transaction-level card rules and change those rules in real time.Read 3 Oct 2026 · marqeta.com
Risk tools
Its risk and fraud offering includes KYC, Real-Time Decisioning, 3D Secure, and disputes.Read 3 Oct 2026 · marqeta.com
Security and compliance
Marqeta's Trust Center lists PCI DSS, SOC 1, and SOC 2 certifications, with controls tested by independent third-party auditors.Read 2 Oct 2026 · trust.marqeta.com
Security certifications
Marqeta's Trust Center says its certifications include PCI DSS and SOC 1 and SOC 2, with controls tested by independent auditors.Read 3 Oct 2026 · trust.marqeta.com
Transaction controls
Customers can set transaction-level rules and change spend controls in real time.Read 2 Oct 2026 · marqeta.com

Plans and prices

Enterprise platform Priced on request Contact sales; pricing not stated on the pages reviewed Read 3 Oct 2026 · marqeta.com

Every Marqeta plan and price →

Strong points and limits

Strong points

  • Supports physical, virtual, and tokenized cards.
  • Spend controls can change in real time.
  • Developer access includes APIs, SDK tools, and a sandbox.
  • Cards can be provisioned to three major digital wallets.
  • Program services include 24/7 cardholder support.

Limits

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

Who it suits

Marqeta describes its platform as serving fintechs, financial institutions, and technology companies building payment programs. Prospective customers should check local availability because supported services vary by jurisdiction.

Verdict

Marqeta brings card issuance, payment processing, transaction controls, and program services into one configurable platform. Confirm jurisdictional support and PCI responsibilities before evaluating it for a program.

Where Specifiction places it

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