Visa vs Marqeta
Visa and Marqeta 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.
| Visa | Marqeta | |
|---|---|---|
| Tier | S | S |
| Rating | ★ 4.9 | ★ 4.8 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Interchange share | Interchange share |
| Card networks | Visa | Visa, Mastercard |
| Card types | debit, credit, prepaid, virtual, physical | virtual, physical, debit, credit, prepaid |
| Customer type | Enterprise, Fintech, Platforms | Fintech, Enterprise, Platforms |
| Processed volume | $17T | $84B |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Supported countries | US, EEA, UK, APAC, LATAM, MENA, AFRICA · 200+ countries | US, EEA, UK, APAC · 150+ countries |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Spread | — | 50–200 bps |
| Fiat rails | — | ACH, Wire |
| Stablecoins | — | USDC |
| Certifications | — | SOC2-T2, PCI-DSS-L1 |
| SDK | — | Node, Python, Java, .NET |
| Currencies | — | USD, EUR, GBP |
| KYC | — | Full |
| Regulator | — | FCA (UK); CFPB / state regulators (US); EU local regulators |
| Regions | US, EU/EEA, UK, APAC, LATAM, MENA, Africa | US, EU/EEA, UK, APAC |
| Licences & safety | FCA |
Frequently asked questions
Visa vs Marqeta: which is better?
Visa and Marqeta 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 Visa custodial or self-custody?
Visa is self-custody: you keep the keys, while Marqeta is self-custody.