# 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 solutions. ## 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. Similarly, 67% of small businesses leverage credit cards for their operations. 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. ### Powerful credit programs made simple Unlock next-generation consumer and commercial credit card programs with a truly all-in-one platform. ### Create Branded Credit Cards - **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. ### Your Spending Breakdown | Category | Amount | |-----------------|---------| | Travel | $345 | | Fuel | $174 | | Entertainment | $120 | ### 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 with 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. ## 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 ongoing compliance with a raft of government regulations and network rules. ## 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.