Credit
1
Remove complexity with a single platform
From consumer to commercial credit, launch with a
single platform you don’t need to stitch together a
complete solution across multiple vendors.
Drive loyalty for your brand, not your bank
Reinforce your brand with every customer
touchpoint by embedding the credit card experience
directly into your brand’s mobile app and website.
Take control of the user experience
Build a seamless cardholder experience with an
open-API and cloud-native platform that provides
you with full control and customization.
Scale with a trusted advisor
Tap into the expertise and guidance of payments
experts who have spent years crafting, implementing,
and delivering the most innovative payment.
Credit
Build the branded credit card experience you’ve always
imagined, with a flexible, modern platform you can trust
» Tech brief
1 Marqeta’s 2023 State of Credit Report, 2 Merchant Direct, New York Federal Bank
Overview
Credit cards have become a ubiquitous financial tool for both businesses and individual consumers to earn
rewards and manage expenses.
They remain one of the most popular ways to pay among consumers —82% of U.S. adults have a credit card,
according to the Federal Reserve Bank.1 Similarly, 67% of small businesses leverage credit cards for
their operations.2
Yet, the technology that backs this popular payment method hasn’t changed significantly since the 70s,
and today’s fintechs, brands, and banks have limited ability to customize their programs and adapt them to
changing customer needs.
Solution
Marqeta’s credit platform gives financial brands and innovators the speed to market and level of control they
need to power the next generation of credit.
Remove complexity with a single platform
From consumer to commercial credit, launch with a
single platform you don’t need to stitch together a
complete solution across multiple vendors.
Drive loyalty for your brand, not your bank
Reinforce your brand with every customer
touchpoint by embedding the credit card experience
directly into your brand’s mobile app and website.
Take control of the user experience
Build a seamless cardholder experience with an
open-API and cloud-native platform that provides
you with full control and customization.
Scale with a trusted advisor
Tap into the expertise and guidance of payments
experts who have spent years crafting, implementing,
and delivering the most innovative payment.
Credit
Build the branded credit card experience you’ve always
imagined, with a flexible, modern platform you can trust
» Tech brief
1 Marqeta’s 2023 State of Credit Report, 2 Merchant Direct, New York Federal Bank
Overview
Credit cards have become a ubiquitous financial tool for both businesses and individual consumers to earn
rewards and manage expenses.
They remain one of the most popular ways to pay among consumers —82% of U.S. adults have a credit card,
according to the Federal Reserve Bank.1 Similarly, 67% of small businesses leverage credit cards for
their operations.2
Yet, the technology that backs this popular payment method hasn’t changed significantly since the 70s,
and today’s fintechs, brands, and banks have limited ability to customize their programs and adapt them to
changing customer needs.
Solution
Marqeta’s credit platform gives financial brands and innovators the speed to market and level of control they
need to power the next generation of credit.
2
Powerful credit programs made simple
Unlock next generation consumer and commercial credit card programs with a truly all-in-one platform.
Welcome
Create Branded Credit Cards
Create new card
Consumer Branded
Credit Cards
Offer your customers a branded
loyalty credit card, allowing them
to maximize their rewards and
extending your brand presence
into new touchpoints.
Enterprise & SMB
Credit Cards
Issue credit cards to small and
medium business (SMB) or
enterprise businesses to manage
business spend, optimize cash
flow and earn rewards.
Commercial
Charge Card
Help your customers manage their
business expenses with a charge
card that enables granular spend
controls, account hierarchies and
flexible funding options.
You could build:
2
Spending
Your Spending Breakdown
Week
Mo Tu We Th Fr Sa Su
Travel FuelEntertainment
$345 $174$120
See more
Issuing
Issue Enterprise Card
Issue SMB Card» Tech Brief: Credit Products
Powerful credit programs made simple
Unlock next generation consumer and commercial credit card programs with a truly all-in-one platform.
Welcome
Create Branded Credit Cards
Create new card
Consumer Branded
Credit Cards
Offer your customers a branded
loyalty credit card, allowing them
to maximize their rewards and
extending your brand presence
into new touchpoints.
Enterprise & SMB
Credit Cards
Issue credit cards to small and
medium business (SMB) or
enterprise businesses to manage
business spend, optimize cash
flow and earn rewards.
Commercial
Charge Card
Help your customers manage their
business expenses with a charge
card that enables granular spend
controls, account hierarchies and
flexible funding options.
You could build:
2
Spending
Your Spending Breakdown
Week
Mo Tu We Th Fr Sa Su
Travel FuelEntertainment
$345 $174$120
See more
Issuing
Issue Enterprise Card
Issue SMB Card» Tech Brief: Credit Products
Launch a credit card that stands out» Tech Brief: Credit Products
Instant account creation, decisioning and card issuing
Accelerate the onboarding of new cardholders with instant account opening
and decisioning in your app. Personalize the look and feel of your cards
and create virtual cards so users can start spending right away, using their
preferred digital wallet.
Embed credit into your brand experience
Empower developers with 100+ credit APIs or prebuilt UI/UX templates to
embed directly into your app/website. Our production-ready templates are
compliance approved and designed to support the full cardholder lifecycle,
allowing you to implement in record-time.
Reinvent your rewards program
Leverage Marqeta’s rewards engine to build differentiated value propositions
designed to earn customer loyalty. Our platform end-to-end rewards
management, rewards accrual, rewards ledger, and rewards redemption.
Create the card that meets your users’ needs
Extensive credit APIs give you the flexibility to design unique experiences and
customized features, across consumer and commercial use cases. Quickly
respond to changing user preferences, by adjusting the parameters of your
card program using the Marqeta Dashboard or via API.
3Notification
You’ve just earned 5x reward
on groceries.
Instant account creation, decisioning and card issuing
Accelerate the onboarding of new cardholders with instant account opening
and decisioning in your app. Personalize the look and feel of your cards
and create virtual cards so users can start spending right away, using their
preferred digital wallet.
Embed credit into your brand experience
Empower developers with 100+ credit APIs or prebuilt UI/UX templates to
embed directly into your app/website. Our production-ready templates are
compliance approved and designed to support the full cardholder lifecycle,
allowing you to implement in record-time.
Reinvent your rewards program
Leverage Marqeta’s rewards engine to build differentiated value propositions
designed to earn customer loyalty. Our platform end-to-end rewards
management, rewards accrual, rewards ledger, and rewards redemption.
Create the card that meets your users’ needs
Extensive credit APIs give you the flexibility to design unique experiences and
customized features, across consumer and commercial use cases. Quickly
respond to changing user preferences, by adjusting the parameters of your
card program using the Marqeta Dashboard or via API.
3Notification
You’ve just earned 5x reward
on groceries.
4
Manage your credit card program
Complete
Credit solution
Customized card issuance
Processor
Rewards
Digital wallet
Ledger management
Gateway Just-in-Time authorization
Transaction data & webhooks
Card management portal
Bank partners
Underwriting & decisioning
UI/UX templates
Portfolio analytics
Customer Service
Risk management
Compliance
Collections
Marqeta combines modern card issuing together with comprehensive credit servicing and program
management - all within a single platform. With Marqeta you can rely on a team of payment experts to manage
relationships with banks, card networks, and third-party vendors. We handle everything from expedited
network and sponsoring bank approvals to quarterly certifications and operating reports. And our decades of
experience helps ensure on-going compliance with a raft of government regulations and network rules.
Marqeta powers a complete solution including:» Tech Brief: Credit Products
Manage your credit card program
Complete
Credit solution
Customized card issuance
Processor
Rewards
Digital wallet
Ledger management
Gateway Just-in-Time authorization
Transaction data & webhooks
Card management portal
Bank partners
Underwriting & decisioning
UI/UX templates
Portfolio analytics
Customer Service
Risk management
Compliance
Collections
Marqeta combines modern card issuing together with comprehensive credit servicing and program
management - all within a single platform. With Marqeta you can rely on a team of payment experts to manage
relationships with banks, card networks, and third-party vendors. We handle everything from expedited
network and sponsoring bank approvals to quarterly certifications and operating reports. And our decades of
experience helps ensure on-going compliance with a raft of government regulations and network rules.
Marqeta powers a complete solution including:» Tech Brief: Credit Products
5
Issuing & Processing
Gain unparalleled control and transaction
speed, with secure authentication, real-time
transaction data and granular spend controls.
Card controls
Apply controls at all levels within the account
hierarchy structure to customize the cardholder
experience and reduce risk, including card
activation and turn card on/off.
Rewards Engine
Marqeta’s loyalty engine’s core functionality
includes end-to-end rewards management,
rewards accrual, rewards ledger, and
rewards redemption.
Underwriting
Applicant decisioning within 3-5 seconds and
automated escalations for high-risk applicants.
Ability to issue virtual cards at approval to increase
customer adoption.
UI/UX Templates
Speed up implementation with customizable
end user templates that can be embedded
directly into your web or mobile experience
Disputes & Customer Service
Marqeta can help you manage the full lifecycle
of a cardholder dispute, from case creation to
network submission and providing status updates
via cardholder communication. With 24/7 Customer
Support you can ensure cardholder satisfaction.
Account management
Leverage the Marqeta Dashboard to control the
foundational components of your card via an
intuitive user interface. Utilize built-in product
creator/approver workflows to enforce internal
controls and reduce business risk.
Risk management
Leverage Marqeta’s suite of risk management
tools built specifically for card issuers, to securely
authenticate users and authorize transactions.» Tech Brief: Credit Products
Issuing & Processing
Gain unparalleled control and transaction
speed, with secure authentication, real-time
transaction data and granular spend controls.
Card controls
Apply controls at all levels within the account
hierarchy structure to customize the cardholder
experience and reduce risk, including card
activation and turn card on/off.
Rewards Engine
Marqeta’s loyalty engine’s core functionality
includes end-to-end rewards management,
rewards accrual, rewards ledger, and
rewards redemption.
Underwriting
Applicant decisioning within 3-5 seconds and
automated escalations for high-risk applicants.
Ability to issue virtual cards at approval to increase
customer adoption.
UI/UX Templates
Speed up implementation with customizable
end user templates that can be embedded
directly into your web or mobile experience
Disputes & Customer Service
Marqeta can help you manage the full lifecycle
of a cardholder dispute, from case creation to
network submission and providing status updates
via cardholder communication. With 24/7 Customer
Support you can ensure cardholder satisfaction.
Account management
Leverage the Marqeta Dashboard to control the
foundational components of your card via an
intuitive user interface. Utilize built-in product
creator/approver workflows to enforce internal
controls and reduce business risk.
Risk management
Leverage Marqeta’s suite of risk management
tools built specifically for card issuers, to securely
authenticate users and authorize transactions.» Tech Brief: Credit Products
» Tech Brief: Credit ProductsAre you interested in leveraging Marqeta Credit Products?
If you are a current customer, please reach out to your Customer Success Manager.
If you would like to build a custom card program with Marqeta, please contact us here.
marqeta.com facebook.com/marqetainc linkedin.com/company/marqeta-inc twitter.com/marqeta
If you are a current customer, please reach out to your Customer Success Manager.
If you would like to build a custom card program with Marqeta, please contact us here.
marqeta.com facebook.com/marqetainc linkedin.com/company/marqeta-inc twitter.com/marqeta