Rapyd vs Marqeta
Different commercial models: Rapyd prices custom-quote, Marqeta interchange-share — real cost depends on your volumes. On compliance Marqeta documents more certifications (2 vs 0). In our editorial rating Marqeta leads (4.8 vs 4.0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Rapyd | Marqeta | |
|---|---|---|
| Tier | A | S |
| Rating | ★ 4.0 | ★ 4.8 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Custom quote | Interchange share |
| Card networks | Visa, Mastercard | Visa, Mastercard |
| Card types | virtual, physical, prepaid, debit | virtual, physical, debit, credit, prepaid |
| Customer type | Fintech, Enterprise, Marketplace, Platforms | Fintech, Enterprise, Platforms |
| Fund custody | Custodial (platform holds funds) | Self-custody (funds in your control) |
| Supported countries | US, EEA, UK, APAC, LATAM, MENA, AFRICA | US, EEA, UK, APAC · 150+ countries |
| Segment | B2B | B2B |
| Spread | — | 50–200 bps |
| Fiat rails | — | ACH, Wire |
| Stablecoins | — | USDC |
| Certifications | — | SOC2-T2, PCI-DSS-L1 |
| SDK | — | Node, Python, Java, .NET |
| Processed volume | — | $84B |
| Currencies | — | USD, EUR, GBP |
| KYC | — | Full |
| Regulator | — | FCA (UK); CFPB / state regulators (US); EU local regulators |
| OAM Italy registration | — | No |
| Regions | US, EU/EEA, UK, APAC, LATAM, MENA, Africa | US, EU/EEA, UK, APAC |
| Licences & safety | EMI, Mastercard issuing (Fintech Express) | FCA |
Frequently asked questions
Rapyd vs Marqeta: which is better?
Different commercial models: Rapyd prices custom-quote, Marqeta interchange-share — real cost depends on your volumes. On compliance Marqeta documents more certifications (2 vs 0). In our editorial rating Marqeta leads (4.8 vs 4.0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Is Rapyd custodial or self-custody?
Rapyd is custodial: funds are held by the platform, while Marqeta is self-custody.