Marqeta
Marqeta
Marqeta is a NASDAQ-listed card issuing and BaaS platform used by fintechs and large platforms such as DoorDash, Klarna, Square and Affirm to issue tailored cards via API. It stands out for real-time JIT funding, 99.996% uptime and official multi-language SDKs. It is a B2B service, not accessible to end consumers.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Interchange share |
| Card networks | Visa, Mastercard |
| Card types | virtual, physical, debit, credit, prepaid |
| Customer type | Fintech, Enterprise, Platforms |
| Certifications | SOC2-T2, PCI-DSS-L1 |
| SDK | Node, Python, Java, .NET |
| Processed volume | $84B |
| Currencies | USD, EUR, GBP |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | US, EEA, UK, APAC · 150+ countries |
| OAM Italy registration | No |
| Segment | B2B |
| Funding / solidity | NASDAQ-listed (MQ) · clients: DoorDash, Klarna, Block/Square, Affirm |
| MiCA / License status | FCA FCA + global licensing |
Strengths
- Card issuing via API with real-time JIT funding
- 99.996% uptime and top-tier enterprise clients
- Official multi-language SDKs (Node, Python, Java, .NET)
Weaknesses
- B2B service: not accessible to end consumers
- Interchange revenue-sharing pricing (0.5–2%/tx)
- Requires technical integration and sufficient volume
Verdict
Marqeta is a NASDAQ-listed card issuing and BaaS platform used by fintechs and large platforms such as DoorDash, Klarna, Square and Affirm to issue tailored cards via API. It stands out for real-time JIT funding, 99.996% uptime and official multi-language SDKs. It is a B2B service, not accessible to end consumers.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Can an individual use Marqeta?
No: it is a B2B card-issuing platform for companies and fintechs, not a consumer product.
How does Marqeta pricing work?
It is based on interchange revenue sharing, typically between 0.5% and 2% per transaction.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).