Marqeta vs Mastercard
Marqeta and Mastercard compete in the same bracket: coverage, certifications and integration time-to-market decide it. On compliance Marqeta documents more certifications (2 vs 0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Marqeta | Mastercard | |
|---|---|---|
| Tier | S | S |
| Rating | ★ 4.8 | ★ 4.8 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Interchange share | Interchange share |
| Spread | 50–200 bps | — |
| Card networks | Visa, Mastercard | Mastercard |
| Card types | virtual, physical, debit, credit, prepaid | debit, credit, prepaid, virtual, physical |
| Fiat rails | ACH, Wire | — |
| Stablecoins | USDC | — |
| Customer type | Fintech, Enterprise, Platforms | Enterprise, Fintech, Platforms |
| Certifications | SOC2-T2, PCI-DSS-L1 | — |
| SDK | Node, Python, Java, .NET | — |
| Processed volume | $84B | $10.6T |
| Currencies | USD, EUR, GBP | — |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| KYC | Full | — |
| Supported countries | US, EEA, UK, APAC · 150+ countries | US, EEA, UK, APAC, LATAM, MENA, AFRICA · 210+ countries |
| Regulator | FCA (UK); CFPB / state regulators (US); EU local regulators | — |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Regions | US, EU/EEA, UK, APAC | US, EU/EEA, UK, APAC, LATAM, MENA, Africa |
| Licences & safety | FCA |
Frequently asked questions
Marqeta vs Mastercard: which is better?
Marqeta and Mastercard compete in the same bracket: coverage, certifications and integration time-to-market decide it. On compliance Marqeta documents more certifications (2 vs 0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Is Marqeta custodial or self-custody?
Marqeta is self-custody: you keep the keys, while Mastercard is self-custody.