The infrastructure behind the next wave of financial services innovation
The infrastructure behind
the next wave of financial
services innovation
Ebook
Co-authored with Jas Shah
Cards 2.0
the next wave of financial
services innovation
Ebook
Co-authored with Jas Shah
Cards 2.0
2
Table of contents
Introduction:
Why cards still matter in a modern payments world 3
01.
4
02.
Use cases
Banking, reimagined
Payments that travel with you
Spend smarter, not harder
Disbursements at speed
Money management, upgraded
Cards for the always-on generation
The path to better credit
7
03.
Looking ahead:
The next generation of card innovation
9
04.
11
13
15
17
19
21
23
Conclusion:
Why cards are more than just plastic05.
Where cards fit into the payment options of today
Marqeta’s support for these use cases varies by jurisdiction. Contact us for details on what is currently available in your
jurisdiction, and what’s on our roadmap.
Table of contents
Introduction:
Why cards still matter in a modern payments world 3
01.
4
02.
Use cases
Banking, reimagined
Payments that travel with you
Spend smarter, not harder
Disbursements at speed
Money management, upgraded
Cards for the always-on generation
The path to better credit
7
03.
Looking ahead:
The next generation of card innovation
9
04.
11
13
15
17
19
21
23
Conclusion:
Why cards are more than just plastic05.
Where cards fit into the payment options of today
Marqeta’s support for these use cases varies by jurisdiction. Contact us for details on what is currently available in your
jurisdiction, and what’s on our roadmap.
3
In a landscape shaped by instant payments, digital
wallets, and alternative lending products, it’s
easy to overlook the quiet dominance of cards.
But the reality is, cards remain the backbone of
the global payments ecosystem. Whether credit,
debit, or prepaid, they offer instant usability, strong
consumer protections, widespread merchant
acceptance, and seamless online and offline
interoperability, benefits that few other payment
methods can match.
A card doesn’t have intrinsic value in isolation,
though; rather, it is a tool that unlocks value, and
different applications of cards can unlock differing
value depending on how it is implemented, what
card is used, and the controls that sit on top.
In this short guide, we’ll explore why cards still
matter, covering familiar card use cases as well as
emerging ones with significant room for growth.
Whether you’re launching your first card program,
adding payments to an existing product, exploring
what modern card infrastructure can do, or just a
payments nerd who wants to geek out on use cases,
this one is for you.
Why cards still matter in a
modern payments world
01. Introduction
In a landscape shaped by instant payments, digital
wallets, and alternative lending products, it’s
easy to overlook the quiet dominance of cards.
But the reality is, cards remain the backbone of
the global payments ecosystem. Whether credit,
debit, or prepaid, they offer instant usability, strong
consumer protections, widespread merchant
acceptance, and seamless online and offline
interoperability, benefits that few other payment
methods can match.
A card doesn’t have intrinsic value in isolation,
though; rather, it is a tool that unlocks value, and
different applications of cards can unlock differing
value depending on how it is implemented, what
card is used, and the controls that sit on top.
In this short guide, we’ll explore why cards still
matter, covering familiar card use cases as well as
emerging ones with significant room for growth.
Whether you’re launching your first card program,
adding payments to an existing product, exploring
what modern card infrastructure can do, or just a
payments nerd who wants to geek out on use cases,
this one is for you.
Why cards still matter in a
modern payments world
01. Introduction
4
In the rapidly evolving world of payments, businesses and consumers have a plethora of options at their
fingertips. From traditional methods like direct bank transfers and direct debits to innovative solutions like
Buy Now, Pay Later (BNPL) and Peer-to-Peer Banking (PBB), the landscape is more diverse than ever. Each
payment method comes with its own set of advantages and is suited to different types of transactions and
customer needs.
So where do cards fit?
Despite the emergence of new payment methods, cards remain the go-to for consumers and businesses
alike, combining convenience, security, and global acceptance across every transaction type.
Cards. Still. Dominate.
Where cards fit into the
payment options of today
02.
In the rapidly evolving world of payments, businesses and consumers have a plethora of options at their
fingertips. From traditional methods like direct bank transfers and direct debits to innovative solutions like
Buy Now, Pay Later (BNPL) and Peer-to-Peer Banking (PBB), the landscape is more diverse than ever. Each
payment method comes with its own set of advantages and is suited to different types of transactions and
customer needs.
So where do cards fit?
Despite the emergence of new payment methods, cards remain the go-to for consumers and businesses
alike, combining convenience, security, and global acceptance across every transaction type.
Cards. Still. Dominate.
Where cards fit into the
payment options of today
02.
To put things into perspective, consider the following statistics:
As of 2023, card payments
accounted for over 50%
of global point-of-sale
transactions, with credit
and debit cards leading
the adoption.
In North America, card penetration
reaches approximately 70%,
while in Europe, it exceeds
60%, driven by mature financial
ecosystems and widespread
merchant acceptance.
Globally, the cards and
payments market was valued
at nearly $952 billion in 2023,
and is projected to grow to
$1.45 trillion in 2028, at a
CAGR of roughly 8.8–8.9%
fueled by technological
advancements like contactless
payments and card tokenization.
Card payments
Direct bank transfers
represent around 20-25% of
online transactions in Europe,
thanks to initiatives like SEPA
and the rise of Open Banking.
Despite growing adoption, cards
dominate both offline and online
transactions, with bank transfers
primarily favored for high-value
transactions or business payments.
In regions like Asia-Pacific,
instant payment systems such
as UPI (India) and PromptPay
(Thailand) are closing the gap on
traditional card-based systems.
Direct bank transfers
BNPL accounts for 3-5%
of total payment volumes
globally, with significant
traction in sectors like fashion,
electronics, and travel.
In markets like Australia, BNPL
penetration reaches 10% of online
retail sales, while in Europe and
North America, it’s growing at a
CAGR of 20%.
Younger demographics are
driving adoption, with 40%
of Gen Z and Millennials using
BNPL at least once in the
past year.
Buy Now, Pay Later (BNPL)
Digital wallets
Digital wallets surpassed
50% of global e-commerce
transactions in 2023 and also
make up around 30% of POS
transactions globally.
In North America and Europe,
digital wallets like Apple Pay®
and Google Pay™ are growing
rapidly but still rely on card linkage
for funding.
Even as standalone payment
methods, digital wallets
increasingly serve as gateways
for card transactions, further
cementing cards as foundational
to the payment ecosystem.
5
As of 2023, card payments
accounted for over 50%
of global point-of-sale
transactions, with credit
and debit cards leading
the adoption.
In North America, card penetration
reaches approximately 70%,
while in Europe, it exceeds
60%, driven by mature financial
ecosystems and widespread
merchant acceptance.
Globally, the cards and
payments market was valued
at nearly $952 billion in 2023,
and is projected to grow to
$1.45 trillion in 2028, at a
CAGR of roughly 8.8–8.9%
fueled by technological
advancements like contactless
payments and card tokenization.
Card payments
Direct bank transfers
represent around 20-25% of
online transactions in Europe,
thanks to initiatives like SEPA
and the rise of Open Banking.
Despite growing adoption, cards
dominate both offline and online
transactions, with bank transfers
primarily favored for high-value
transactions or business payments.
In regions like Asia-Pacific,
instant payment systems such
as UPI (India) and PromptPay
(Thailand) are closing the gap on
traditional card-based systems.
Direct bank transfers
BNPL accounts for 3-5%
of total payment volumes
globally, with significant
traction in sectors like fashion,
electronics, and travel.
In markets like Australia, BNPL
penetration reaches 10% of online
retail sales, while in Europe and
North America, it’s growing at a
CAGR of 20%.
Younger demographics are
driving adoption, with 40%
of Gen Z and Millennials using
BNPL at least once in the
past year.
Buy Now, Pay Later (BNPL)
Digital wallets
Digital wallets surpassed
50% of global e-commerce
transactions in 2023 and also
make up around 30% of POS
transactions globally.
In North America and Europe,
digital wallets like Apple Pay®
and Google Pay™ are growing
rapidly but still rely on card linkage
for funding.
Even as standalone payment
methods, digital wallets
increasingly serve as gateways
for card transactions, further
cementing cards as foundational
to the payment ecosystem.
5
6
These statistics highlight the enduring relevance of cards in the payment ecosystem, even as new methods
emerge. Cards offer a balance of convenience, security, and acceptance that remains unmatched by
many alternatives.
It’s clear that cards continue to play a vital role in the broader payment landscape, offering a reliable and
trusted method of payment that meets a wide range of consumer and business needs. Most importantly, it’s a
well-understood and accepted payment option for both consumers (retail and SMEs)
and merchants.
But card use cases and value go beyond a payment method that sits atop your account. In fact, the
use cases for and benefits of cards go far, wide, and deep.
These statistics highlight the enduring relevance of cards in the payment ecosystem, even as new methods
emerge. Cards offer a balance of convenience, security, and acceptance that remains unmatched by
many alternatives.
It’s clear that cards continue to play a vital role in the broader payment landscape, offering a reliable and
trusted method of payment that meets a wide range of consumer and business needs. Most importantly, it’s a
well-understood and accepted payment option for both consumers (retail and SMEs)
and merchants.
But card use cases and value go beyond a payment method that sits atop your account. In fact, the
use cases for and benefits of cards go far, wide, and deep.
7
Overview
For today’s neobanks and digital-first financial
institutions, the payment card is the default
payment experience. It’s the first product customers
receive, the core of everyday financial interaction,
and a key loyalty driver. Customers are also familiar
with the mechanics of a card and modern card
controls. Whether you’re launching a digital retail
bank, SME-focused neobank, or financial wellness
platform, card issuance (and figuring out which
card is most appropriate for customers) is often the
essential first building block.
Why cards matter in digital banking
Modern digital banks rely on cards to power fast,
intuitive user experiences and to generate revenue
through interchange. But more importantly, cards
give fintechs and FIs the opportunity to:
Banking, reimagined
Power seamless onboarding
Card issuance becomes a critical
touchpoint to onboard, fund, and
activate new accounts.
Unlock programmable UX
Through APIs, banks can customize card
behavior, setting spend limits, restricting
merchants, or enabling temporary access.
Deliver instant access
Virtual cards can be issued
immediately after onboarding, giving
users a usable product before their
physical card arrives.
Drive app engagement
Spend controls, transaction insights, and
smart notifications make cards a daily
habit driver.
Use Case
Overview
For today’s neobanks and digital-first financial
institutions, the payment card is the default
payment experience. It’s the first product customers
receive, the core of everyday financial interaction,
and a key loyalty driver. Customers are also familiar
with the mechanics of a card and modern card
controls. Whether you’re launching a digital retail
bank, SME-focused neobank, or financial wellness
platform, card issuance (and figuring out which
card is most appropriate for customers) is often the
essential first building block.
Why cards matter in digital banking
Modern digital banks rely on cards to power fast,
intuitive user experiences and to generate revenue
through interchange. But more importantly, cards
give fintechs and FIs the opportunity to:
Banking, reimagined
Power seamless onboarding
Card issuance becomes a critical
touchpoint to onboard, fund, and
activate new accounts.
Unlock programmable UX
Through APIs, banks can customize card
behavior, setting spend limits, restricting
merchants, or enabling temporary access.
Deliver instant access
Virtual cards can be issued
immediately after onboarding, giving
users a usable product before their
physical card arrives.
Drive app engagement
Spend controls, transaction insights, and
smart notifications make cards a daily
habit driver.
Use Case
8
Key Product Plays
Instant issuance and digital wallet provisioning
Let users tap to pay instantly after onboarding
by pushing cards directly to Apple Pay®, Google
Pay™, or Samsung Wallet.
Shared or family banking
Issue virtual cards with unique controls for
household spending, parental oversight, or
budget-based segmentation.
Mission-driven banking
This is where much of the opportunity still lies,
offering cards tied to causes like environmental
impact tracking, community programs, or financial
access for underserved communities , all using the
card as the central payment mechanism.
Thoughts
Digital banking may be one of the most established card use cases, but it’s far from saturated.
The card is still the most tangible touchpoint between a customer and their digital bank, a
physical and digital asset that drives engagement, trust, and habit. For neobanks, the challenge
(and opportunity) is differentiation: how to make that card feel like more than a commodity. This
could mean unique rewards, instant and flexible controls, personalization at scale, or embedding
the card into a broader ecosystem of services. As the market matures, the winners will be
those who treat the card not as a static payment tool, but as an evolving platform. One that
continuously adapts to customer needs, deepens brand affinity, and creates reasons to stay loyal
beyond the account balance.
Explore digital banking solutions use cases
Key Product Plays
Instant issuance and digital wallet provisioning
Let users tap to pay instantly after onboarding
by pushing cards directly to Apple Pay®, Google
Pay™, or Samsung Wallet.
Shared or family banking
Issue virtual cards with unique controls for
household spending, parental oversight, or
budget-based segmentation.
Mission-driven banking
This is where much of the opportunity still lies,
offering cards tied to causes like environmental
impact tracking, community programs, or financial
access for underserved communities , all using the
card as the central payment mechanism.
Thoughts
Digital banking may be one of the most established card use cases, but it’s far from saturated.
The card is still the most tangible touchpoint between a customer and their digital bank, a
physical and digital asset that drives engagement, trust, and habit. For neobanks, the challenge
(and opportunity) is differentiation: how to make that card feel like more than a commodity. This
could mean unique rewards, instant and flexible controls, personalization at scale, or embedding
the card into a broader ecosystem of services. As the market matures, the winners will be
those who treat the card not as a static payment tool, but as an evolving platform. One that
continuously adapts to customer needs, deepens brand affinity, and creates reasons to stay loyal
beyond the account balance.
Explore digital banking solutions use cases
9
Overview
Whether you’re a business traveler managing
expenses or a vacationer hopping between cities,
a card that works seamlessly across borders,
currencies, and spending categories is essential.
For fintechs and travel companies, issuing smart,
dynamic cards opens up powerful new experiences
for users while unlocking data, loyalty, and spend
control benefits for the business.
Why cards matter in travel
Cards remain the most accepted and reliable
method of payment worldwide. From hotels and
taxis to in-flight purchases and airport kiosks, the
use case is universal. But the real power lies in
programmable, API-driven card infrastructure
that allows you to:
Payments that travel with you
Control spend dynamically
Set limits, restrict merchant category codes
(MCCs), or freeze cards between trip dates,
giving corporate travelers more guardrails
and making the expense management
process less cumbersome.
Differentiate the customer experience
Offer tiered benefits, rewards, or emergency
access features linked to user status.
Issue in real-time
Virtual cards can be issued instantly via
a travel app at the point of booking
or check-in.
Enable global acceptance
Leverage international card networks
while shielding users from hidden FX
fees or fraud exposure and reducing the
frustrating ‘card not accepted’ situation.
Use Case
Overview
Whether you’re a business traveler managing
expenses or a vacationer hopping between cities,
a card that works seamlessly across borders,
currencies, and spending categories is essential.
For fintechs and travel companies, issuing smart,
dynamic cards opens up powerful new experiences
for users while unlocking data, loyalty, and spend
control benefits for the business.
Why cards matter in travel
Cards remain the most accepted and reliable
method of payment worldwide. From hotels and
taxis to in-flight purchases and airport kiosks, the
use case is universal. But the real power lies in
programmable, API-driven card infrastructure
that allows you to:
Payments that travel with you
Control spend dynamically
Set limits, restrict merchant category codes
(MCCs), or freeze cards between trip dates,
giving corporate travelers more guardrails
and making the expense management
process less cumbersome.
Differentiate the customer experience
Offer tiered benefits, rewards, or emergency
access features linked to user status.
Issue in real-time
Virtual cards can be issued instantly via
a travel app at the point of booking
or check-in.
Enable global acceptance
Leverage international card networks
while shielding users from hidden FX
fees or fraud exposure and reducing the
frustrating ‘card not accepted’ situation.
Use Case
10
Key Product Plays
Embedded travel cards
Online travel agencies (OTAs) and travel startups are
embedding card issuance directly into their booking
and wallet ecosystems, turning users into long-term
customers, not one-time bookers.
Real-time per diem cards
Corporate travel platforms are replacing
reimbursement processes with smart cards that
enforce spend rules and automate reporting as
transactions happen, reducing post trip admin.
Loyalty x card fusion
Airlines and hotel chains are launching cobranded
cards that double as loyalty tools and real-time
reward engines. With the advent of virtual cards,
the cost of issuing a loyalty card alongside a
virtual payment card at the point of booking has
dropped significantly.
Thoughts
Travel is a high-spend, high-friction category and cards are the perfect solution for bringing
real-time control and enhanced user experience to the journey. Marketplaces, booking sites,
airlines, and hoteliers are already looking at cards as a way to improve the customer experience
and embedded loyalty into the payment experience, and this trend is only going to continue.
Explore travel use cases
Key Product Plays
Embedded travel cards
Online travel agencies (OTAs) and travel startups are
embedding card issuance directly into their booking
and wallet ecosystems, turning users into long-term
customers, not one-time bookers.
Real-time per diem cards
Corporate travel platforms are replacing
reimbursement processes with smart cards that
enforce spend rules and automate reporting as
transactions happen, reducing post trip admin.
Loyalty x card fusion
Airlines and hotel chains are launching cobranded
cards that double as loyalty tools and real-time
reward engines. With the advent of virtual cards,
the cost of issuing a loyalty card alongside a
virtual payment card at the point of booking has
dropped significantly.
Thoughts
Travel is a high-spend, high-friction category and cards are the perfect solution for bringing
real-time control and enhanced user experience to the journey. Marketplaces, booking sites,
airlines, and hoteliers are already looking at cards as a way to improve the customer experience
and embedded loyalty into the payment experience, and this trend is only going to continue.
Explore travel use cases
11
Overview
The traditional model of expense management
with paper receipts and disconnected systems
is broken. It’s time-consuming, error-prone, and
frustrating for both employees and finance teams.
Enter programmable cards and modern issuer
platforms for modern spend management solutions:
a new approach that gives businesses real-time
visibility and control over spend, while giving users
a smoother, mobile-first experience.
With dynamic card issuing, businesses can eliminate
the clunky reimbursement model entirely. Instead,
they can issue virtual or physical cards with built-
in rules and restrictions that reflect company
policies, reducing the need for manual approvals,
spreadsheet reconciliation, or submission of formal
expenses, as everything happens in real-time.
Spend smarter, not harder
Use Case
Why cards matter in expense management
Modern expense solutions use card infrastructure to automate enforcement and streamline workflows.
With real-time controls and smart integrations, cards can now:
Support virtual and physical needs
Employees can use mobile wallets or physical
cards, depending on their context, but allowing
for virtual first to limit costs.
Automate reconciliation
Transactions are automatically categorized
and pushed to accounting or ERP systems,
linked directly to POs and individuals.
Enforce policy at the point of sale
Set spend limits, restrict merchant
categories, and define date ranges.
Issue instantly
Give employees or contractors a card
on-demand for specific use cases, no
shared cards or cash advances, creating
more controlled management of expenses.
Overview
The traditional model of expense management
with paper receipts and disconnected systems
is broken. It’s time-consuming, error-prone, and
frustrating for both employees and finance teams.
Enter programmable cards and modern issuer
platforms for modern spend management solutions:
a new approach that gives businesses real-time
visibility and control over spend, while giving users
a smoother, mobile-first experience.
With dynamic card issuing, businesses can eliminate
the clunky reimbursement model entirely. Instead,
they can issue virtual or physical cards with built-
in rules and restrictions that reflect company
policies, reducing the need for manual approvals,
spreadsheet reconciliation, or submission of formal
expenses, as everything happens in real-time.
Spend smarter, not harder
Use Case
Why cards matter in expense management
Modern expense solutions use card infrastructure to automate enforcement and streamline workflows.
With real-time controls and smart integrations, cards can now:
Support virtual and physical needs
Employees can use mobile wallets or physical
cards, depending on their context, but allowing
for virtual first to limit costs.
Automate reconciliation
Transactions are automatically categorized
and pushed to accounting or ERP systems,
linked directly to POs and individuals.
Enforce policy at the point of sale
Set spend limits, restrict merchant
categories, and define date ranges.
Issue instantly
Give employees or contractors a card
on-demand for specific use cases, no
shared cards or cash advances, creating
more controlled management of expenses.
12
Key Product Plays
Per-use card issuance
Create one-time-use virtual cards for specific
vendors, events, or categories automatically limited
in scope.
Category-based controls
Restrict cards to travel, food, or office supplies and
block out-of-policy spend in real time.
Auto-sync with back office
Real-time transaction data feeds directly into
accounting platforms like NetSuite, QuickBooks,
or SAP.
Integrated approval flows
Embed card issuance into approval workflows, e.g.,
manager pre-approves a trip, triggering
card provisioning.
Thoughts
Expense management is one of the clearest
examples of how programmable cards
can simplify operations and improve
outcomes for both businesses and users.
Organizations can use cards to embed
control and intelligence directly into the
payment experience, and for large scale
enterprises with hundreds of thousands of
employees, there’s also an incentive to own
a card program to retain interchange from
employee spend and better enable rewards.
This transforms the headache of expense
management into a competitive advantage.
Explore expense management
solutions use cases
Key Product Plays
Per-use card issuance
Create one-time-use virtual cards for specific
vendors, events, or categories automatically limited
in scope.
Category-based controls
Restrict cards to travel, food, or office supplies and
block out-of-policy spend in real time.
Auto-sync with back office
Real-time transaction data feeds directly into
accounting platforms like NetSuite, QuickBooks,
or SAP.
Integrated approval flows
Embed card issuance into approval workflows, e.g.,
manager pre-approves a trip, triggering
card provisioning.
Thoughts
Expense management is one of the clearest
examples of how programmable cards
can simplify operations and improve
outcomes for both businesses and users.
Organizations can use cards to embed
control and intelligence directly into the
payment experience, and for large scale
enterprises with hundreds of thousands of
employees, there’s also an incentive to own
a card program to retain interchange from
employee spend and better enable rewards.
This transforms the headache of expense
management into a competitive advantage.
Explore expense management
solutions use cases
Overview
Public sector agencies have long relied on slow,
manual methods to distribute funds, from physical
checks to cumbersome direct deposit workflows.
But these legacy systems can delay critical support,
increase administrative overhead, and leave
recipients without immediate access to funds.
Modern card issuing offers a faster, more
transparent alternative. With prepaid or reloadable
cards, agencies can distribute government benefits,
relief payments, stipends, or program funding in
real time, while maintaining clear oversight, security,
and compliance.
Disbursements at speed
13
Why cards matter in public sector
Cards provide a simple, scalable way to serve diverse populations, including the unbanked and underbanked,
while giving governments better control over how and where funds are used.
They allow public institutions to:
Reduce overhead
Eliminate printing, mailing, and cash
handling costs while improving delivery
speed and transparency.
Increase access
Serve constituents without requiring a
traditional bank account.
Distribute funds quickly and securely
Push funds to virtual or physical cards
instantly, with full auditability.
Apply guardrails
Restrict usage by merchant type, time
period, or amount to ensure funds are
spent appropriately.
Use Case
Public sector agencies have long relied on slow,
manual methods to distribute funds, from physical
checks to cumbersome direct deposit workflows.
But these legacy systems can delay critical support,
increase administrative overhead, and leave
recipients without immediate access to funds.
Modern card issuing offers a faster, more
transparent alternative. With prepaid or reloadable
cards, agencies can distribute government benefits,
relief payments, stipends, or program funding in
real time, while maintaining clear oversight, security,
and compliance.
Disbursements at speed
13
Why cards matter in public sector
Cards provide a simple, scalable way to serve diverse populations, including the unbanked and underbanked,
while giving governments better control over how and where funds are used.
They allow public institutions to:
Reduce overhead
Eliminate printing, mailing, and cash
handling costs while improving delivery
speed and transparency.
Increase access
Serve constituents without requiring a
traditional bank account.
Distribute funds quickly and securely
Push funds to virtual or physical cards
instantly, with full auditability.
Apply guardrails
Restrict usage by merchant type, time
period, or amount to ensure funds are
spent appropriately.
Use Case
14
Key Product Plays
Emergency relief and crisis response
Load prepaid cards for affected individuals during
natural disasters, housing crises, or public
health emergencies.
Program-specific spend controls
Limit spend to approved merchant categories (e.g.,
grocery stores, pharmacies, transit).
Reloadable benefit cards
For recurring programs like unemployment, child
support, or disability benefits.
Increased financial inclusion
Provide financial access for individuals without bank
accounts with optional mobile wallet compatibility.
Thoughts
Government disbursements may not be the most glamorous card use case, but it’s one of the most
impactful. When speed, security, and accessibility are critical, whether in disaster relief, social
benefits, or targeted subsidies, cards offer a proven, scalable solution. The ability to push funds
instantly, apply tailored spend controls, and serve populations without bank accounts makes them
a natural fit for public sector innovation. As more governments digitise service delivery, cards will
increasingly become the bridge between policy and real-world impact, helping to ensure that the
right people get the right funds at the right time.
Beyond the public sector, private companies are equally focused on modernizing outdated,
slow payout processes. From insurers settling claims to travel companies handling refunds and
reimbursements, cards are powering faster, more seamless disbursements that meet rising
customer expectations.
Explore public sector use cases
Key Product Plays
Emergency relief and crisis response
Load prepaid cards for affected individuals during
natural disasters, housing crises, or public
health emergencies.
Program-specific spend controls
Limit spend to approved merchant categories (e.g.,
grocery stores, pharmacies, transit).
Reloadable benefit cards
For recurring programs like unemployment, child
support, or disability benefits.
Increased financial inclusion
Provide financial access for individuals without bank
accounts with optional mobile wallet compatibility.
Thoughts
Government disbursements may not be the most glamorous card use case, but it’s one of the most
impactful. When speed, security, and accessibility are critical, whether in disaster relief, social
benefits, or targeted subsidies, cards offer a proven, scalable solution. The ability to push funds
instantly, apply tailored spend controls, and serve populations without bank accounts makes them
a natural fit for public sector innovation. As more governments digitise service delivery, cards will
increasingly become the bridge between policy and real-world impact, helping to ensure that the
right people get the right funds at the right time.
Beyond the public sector, private companies are equally focused on modernizing outdated,
slow payout processes. From insurers settling claims to travel companies handling refunds and
reimbursements, cards are powering faster, more seamless disbursements that meet rising
customer expectations.
Explore public sector use cases
Overview
Personal finance apps are transforming how people
budget, save, and spend. But while many tools
offer analytics and categorization after the fact, the
real value comes from influencing decisions in the
moment, or even just before they happen. That’s
where card integration becomes a game-changer
for financial management.
By embedding smart, programmable cards into
Personal Finance Management (PFM) experiences,
fintechs can move from passive insights to real-time
financial coaching, helping users stay on budget
and build better habits.
Money management,
upgraded
15
Use Case
Why cards matter in personal finance
Cards bring PFM platforms closer to the point of transaction, allowing them to nudge behavior, restrict
spend, and deliver personalized advice in real time. With embedded issuance, PFM companies can:
Build stronger habits
Link usage with gamified rewards, roundups,
or streak-based savings.
Enable envelope budgeting
Segment funds across virtual cards for
groceries, rent, subscriptions, etc.
Provide real-time spend feedback
Trigger alerts or visualisations based on
card activity.
Offer instant access to savings
Let users “lock” savings onto a card for
emergency use only.
Personal finance apps are transforming how people
budget, save, and spend. But while many tools
offer analytics and categorization after the fact, the
real value comes from influencing decisions in the
moment, or even just before they happen. That’s
where card integration becomes a game-changer
for financial management.
By embedding smart, programmable cards into
Personal Finance Management (PFM) experiences,
fintechs can move from passive insights to real-time
financial coaching, helping users stay on budget
and build better habits.
Money management,
upgraded
15
Use Case
Why cards matter in personal finance
Cards bring PFM platforms closer to the point of transaction, allowing them to nudge behavior, restrict
spend, and deliver personalized advice in real time. With embedded issuance, PFM companies can:
Build stronger habits
Link usage with gamified rewards, roundups,
or streak-based savings.
Enable envelope budgeting
Segment funds across virtual cards for
groceries, rent, subscriptions, etc.
Provide real-time spend feedback
Trigger alerts or visualisations based on
card activity.
Offer instant access to savings
Let users “lock” savings onto a card for
emergency use only.
16
Key Product Plays
Budget-linked cards
Automatically restrict spend once a user hits
their monthly grocery, entertainment, or
dining limit.
Savings goals with card locking
Create vault-like card accounts users can’t
spend from without taking deliberate action.
Subscription management cards
Issue a unique virtual card for each recurring
payment, making it easy to cancel or
swap providers.
Spending insights at point-of-sale
Deliver instant feedback via app notifications
(“You’ve spent 92% of your eating-out budget
this month”).
Lending on cards
Providing short-term credit to customers based
on spending history that can be deployed as credit
on a card (where the use of that credit can be
tracked in real-time)
Thoughts
PFM apps have become a lot more useful
to consumers, powered by Open Banking
access to transaction and account data.
It gives customers a better handle on
where they are overspending, allows
them to create budgets, and gives them
more visibility on their finances. But the
addition of a card allows them to truly
control finances and change bad financial
behaviour. It also allows for the speedy
disbursement of credit to fill anticipated
cashflow gaps (rather than accessing high
interest payday loans for example) and
can help control spending by restricting
specific merchant spending. Cards
supercharge the ability for customers to
actively control and manage their finances
when paired with PFM.
More on personal finance management
use cases Read now
Explore personal finance
management use cases
Key Product Plays
Budget-linked cards
Automatically restrict spend once a user hits
their monthly grocery, entertainment, or
dining limit.
Savings goals with card locking
Create vault-like card accounts users can’t
spend from without taking deliberate action.
Subscription management cards
Issue a unique virtual card for each recurring
payment, making it easy to cancel or
swap providers.
Spending insights at point-of-sale
Deliver instant feedback via app notifications
(“You’ve spent 92% of your eating-out budget
this month”).
Lending on cards
Providing short-term credit to customers based
on spending history that can be deployed as credit
on a card (where the use of that credit can be
tracked in real-time)
Thoughts
PFM apps have become a lot more useful
to consumers, powered by Open Banking
access to transaction and account data.
It gives customers a better handle on
where they are overspending, allows
them to create budgets, and gives them
more visibility on their finances. But the
addition of a card allows them to truly
control finances and change bad financial
behaviour. It also allows for the speedy
disbursement of credit to fill anticipated
cashflow gaps (rather than accessing high
interest payday loans for example) and
can help control spending by restricting
specific merchant spending. Cards
supercharge the ability for customers to
actively control and manage their finances
when paired with PFM.
More on personal finance management
use cases Read now
Explore personal finance
management use cases
Overview
From streamers and YouTubers to esports pros and
indie game developers, creators today expect fast,
seamless ways to access and use their earnings.
Traditional payout methods like ACH or checks
don’t match the pace or expectations of the creator
economy which thrives on immediacy, mobility, and
brand connection.
Programmable cards offer a modern alternative. By
issuing physical or virtual cards directly to creators
and gamers, platforms can push funds instantly,
enable personalized experiences, and keep users
engaged inside their ecosystem.
Cards for the always-on
generation
17
Why cards matter in the creator and
gaming economy
For platforms serving creators, performers, and digital-first audiences, cards unlock monetisation and
retention opportunities. With embedded card issuance, platforms can:
Increase platform usage
Cardholder benefits, cashback, or in-app
bonuses can drive engagement and keep
users within your ecosystem.
Create branded loyalty
Issuing a platform-branded card builds
stickiness and deepens brand identity.
Enable instant payouts
Creators and gamers get access to
earnings faster. No more waiting for
bank transfers.
Offer spend control
Segment earnings, set limits, or
offer “creator wallets” for different
income streams
Use Case
From streamers and YouTubers to esports pros and
indie game developers, creators today expect fast,
seamless ways to access and use their earnings.
Traditional payout methods like ACH or checks
don’t match the pace or expectations of the creator
economy which thrives on immediacy, mobility, and
brand connection.
Programmable cards offer a modern alternative. By
issuing physical or virtual cards directly to creators
and gamers, platforms can push funds instantly,
enable personalized experiences, and keep users
engaged inside their ecosystem.
Cards for the always-on
generation
17
Why cards matter in the creator and
gaming economy
For platforms serving creators, performers, and digital-first audiences, cards unlock monetisation and
retention opportunities. With embedded card issuance, platforms can:
Increase platform usage
Cardholder benefits, cashback, or in-app
bonuses can drive engagement and keep
users within your ecosystem.
Create branded loyalty
Issuing a platform-branded card builds
stickiness and deepens brand identity.
Enable instant payouts
Creators and gamers get access to
earnings faster. No more waiting for
bank transfers.
Offer spend control
Segment earnings, set limits, or
offer “creator wallets” for different
income streams
Use Case
18
Key Product Plays
Payout cards for streamers and influencers
Instantly load cards with creator income, allowing
faster access to funds for purchases
or reinvestment.
Branded gamer cards
Enable esports teams or platforms to issue
fan-focused cards with rewards, tiered perks,
or team branding.
Creator wallets with spend controls
Let creators segment funds (e.g., business
vs. personal) or lock earnings for tax savings
or reinvestment.
Fan engagement via prepaid drops
Distribute limited-edition prepaid cards as fan
rewards, giveaways, or merch tie-ins.
Thoughts
In the creator and gaming economies, immediacy is currency and programmable cards offer the
flexibility, control, and brand alignment today’s platforms need. Platforms like YouTube, Twitch,
TikTok, and Instagram have millions of creators between them and the global creator economy
is expected to hit half a trillion dollars by 2027 (and that doesn’t include the rapidly accelerating
growth in the West and in the Middle East).
Creators and Gamers are like SMEs in their own right. They still want access to their funds quickly,
often need to receive finance to plug gaps or invest, but also want perks and concierge services
that many card products offer as a package. It’s not just about receiving funds quickly (that’s a large
part) but about creating exclusivity, driving loyalty, and community.
Explore creator economy use cases
Key Product Plays
Payout cards for streamers and influencers
Instantly load cards with creator income, allowing
faster access to funds for purchases
or reinvestment.
Branded gamer cards
Enable esports teams or platforms to issue
fan-focused cards with rewards, tiered perks,
or team branding.
Creator wallets with spend controls
Let creators segment funds (e.g., business
vs. personal) or lock earnings for tax savings
or reinvestment.
Fan engagement via prepaid drops
Distribute limited-edition prepaid cards as fan
rewards, giveaways, or merch tie-ins.
Thoughts
In the creator and gaming economies, immediacy is currency and programmable cards offer the
flexibility, control, and brand alignment today’s platforms need. Platforms like YouTube, Twitch,
TikTok, and Instagram have millions of creators between them and the global creator economy
is expected to hit half a trillion dollars by 2027 (and that doesn’t include the rapidly accelerating
growth in the West and in the Middle East).
Creators and Gamers are like SMEs in their own right. They still want access to their funds quickly,
often need to receive finance to plug gaps or invest, but also want perks and concierge services
that many card products offer as a package. It’s not just about receiving funds quickly (that’s a large
part) but about creating exclusivity, driving loyalty, and community.
Explore creator economy use cases
19
Overview
Access to credit remains a barrier for millions of
people globally, especially for young adults, recent
immigrants, gig workers, and thin-file consumers.
Traditional lenders often overlook or underserve
these groups due to a lack of formal credit history.
Modern card programs are changing that. By
offering secured, charge-style, or controlled-spend
credit cards, often backed by programmable
infrastructure, fintechs can help users responsibly
build credit while delivering transparency, flexibility,
and financial empowerment.
Why cards matter in credit building
The path to better credit
Offer digital-first experiences
Real-time issuance, in-app controls, and
personalized nudges to encourage
responsible use.
Support thin-file users
Launch products with low entry barriers, no
FICO requirement, no traditional underwriting.
Design risk-controlled products
Set real-time spend limits, enforce
repayments, or use deposits to back spending.
Report to bureaus responsibly
Help users build credit with positive data
from day one.
Use Case
Unlike loans or BNPL products, cards provide an ongoing relationship. A chance for users to build a track
record through regular use and repayment. With the right controls and reporting in place, they offer a safe,
structured on-ramp to the credit system, and cards make it possible to:1. Marqeta currently supports this solution only at the processing layer. Program Management is handled by your issuing
bank or program manager.
Overview
Access to credit remains a barrier for millions of
people globally, especially for young adults, recent
immigrants, gig workers, and thin-file consumers.
Traditional lenders often overlook or underserve
these groups due to a lack of formal credit history.
Modern card programs are changing that. By
offering secured, charge-style, or controlled-spend
credit cards, often backed by programmable
infrastructure, fintechs can help users responsibly
build credit while delivering transparency, flexibility,
and financial empowerment.
Why cards matter in credit building
The path to better credit
Offer digital-first experiences
Real-time issuance, in-app controls, and
personalized nudges to encourage
responsible use.
Support thin-file users
Launch products with low entry barriers, no
FICO requirement, no traditional underwriting.
Design risk-controlled products
Set real-time spend limits, enforce
repayments, or use deposits to back spending.
Report to bureaus responsibly
Help users build credit with positive data
from day one.
Use Case
Unlike loans or BNPL products, cards provide an ongoing relationship. A chance for users to build a track
record through regular use and repayment. With the right controls and reporting in place, they offer a safe,
structured on-ramp to the credit system, and cards make it possible to:1. Marqeta currently supports this solution only at the processing layer. Program Management is handled by your issuing
bank or program manager.
20
Key Product Plays
Secured credit cards
Allow users to load a deposit that becomes their
credit limit with optional interest-free grace periods.
Hybrid charge cards
Require full monthly repayment, enabling
responsible use without revolving debt risk.
Credit builders for gig workers
Pair income tracking (e.g. rideshare earnings)
with credit usage to demonstrate stability.
Subscription-based credit plans
Offer low-fee, no-interest credit products with
modern UX and education built in.
Thoughts
The US and UK have both seen several
fintechs pop up in this space recently but
there’s a lot more scope to grow. The ‘Card
powered Credit Builder’ model works as
a standalone but also as a great bundled
offering with something like a neobank’s
‘pre-paid’ option or a PFM app. Deeper
than that, though, the standalone offering
has the potential to be a transitional
product for those new to a country with
zero presence, so they can make that first
step on the credit ladder.
Explore credit building use cases
Key Product Plays
Secured credit cards
Allow users to load a deposit that becomes their
credit limit with optional interest-free grace periods.
Hybrid charge cards
Require full monthly repayment, enabling
responsible use without revolving debt risk.
Credit builders for gig workers
Pair income tracking (e.g. rideshare earnings)
with credit usage to demonstrate stability.
Subscription-based credit plans
Offer low-fee, no-interest credit products with
modern UX and education built in.
Thoughts
The US and UK have both seen several
fintechs pop up in this space recently but
there’s a lot more scope to grow. The ‘Card
powered Credit Builder’ model works as
a standalone but also as a great bundled
offering with something like a neobank’s
‘pre-paid’ option or a PFM app. Deeper
than that, though, the standalone offering
has the potential to be a transitional
product for those new to a country with
zero presence, so they can make that first
step on the credit ladder.
Explore credit building use cases
21
These are just some of the examples of card powered innovation beyond the traditional digital banking use
case, which incidentally, still has a lot of scope to grow. Card innovation doesn’t just mean adding a card to
an account to provide a smooth, and well understood payment method.
It can also help consumers better manage their finances, give them faster access to much needed credit,
embed rewards and loyalty into travel experiences, give them a way to build credit, facilitate the safe
disbursement of much need aid, and allow businesses to transform their expense management processes
whilst creating richer experiences for their employees.
There’s a lot more innovation to come from cards and that’s before we look at some of the current
technological advancements shaping the future, with three forces in particular–AI, Stablecoin, and network
innovation, poised to reshape what cards can do and how they’re experienced.
Here are examples of innovation in each:
Looking ahead: The next
generation of card innovation
04.
AI-driven spending controls 2
Artificial intelligence is ushering in a new era of card personalisation. Rather than static spend limits
or manually-set budgets, AI can help create context-aware spending profiles that adapt in real time.
For example, a user’s card might detect abnormal purchase behavior and automatically freeze or
limit access. Or it might recognise a late-month budget pinch and prompt the user to shift non-
essential spend to a different account. For businesses, AI can fine-tune employee expense controls
without needing manual reviews, ensuring policy compliance with minimal friction.
The applications for AI in cards are countless, and AI to reduce card fraud is already one of the most
compelling uses of AI in Financial Services.
These are just some of the examples of card powered innovation beyond the traditional digital banking use
case, which incidentally, still has a lot of scope to grow. Card innovation doesn’t just mean adding a card to
an account to provide a smooth, and well understood payment method.
It can also help consumers better manage their finances, give them faster access to much needed credit,
embed rewards and loyalty into travel experiences, give them a way to build credit, facilitate the safe
disbursement of much need aid, and allow businesses to transform their expense management processes
whilst creating richer experiences for their employees.
There’s a lot more innovation to come from cards and that’s before we look at some of the current
technological advancements shaping the future, with three forces in particular–AI, Stablecoin, and network
innovation, poised to reshape what cards can do and how they’re experienced.
Here are examples of innovation in each:
Looking ahead: The next
generation of card innovation
04.
AI-driven spending controls 2
Artificial intelligence is ushering in a new era of card personalisation. Rather than static spend limits
or manually-set budgets, AI can help create context-aware spending profiles that adapt in real time.
For example, a user’s card might detect abnormal purchase behavior and automatically freeze or
limit access. Or it might recognise a late-month budget pinch and prompt the user to shift non-
essential spend to a different account. For businesses, AI can fine-tune employee expense controls
without needing manual reviews, ensuring policy compliance with minimal friction.
The applications for AI in cards are countless, and AI to reduce card fraud is already one of the most
compelling uses of AI in Financial Services.
22
Stablecoins and on-chain settlement2
Stablecoins offer another significant leap forward, especially in cross-border payments and digital
wallets. While users interact with a familiar card product, settlement could occur instantly via
blockchain networks, reducing fees, FX friction, and transaction lag. A creator in Argentina could
get paid in USDC, spend in local currency via a Visa- or Mastercard-backed card, and avoid the
traditional delays or costs associated with international payouts. The convergence of stablecoins
and card rails could quietly revolutionise remittances, freelance income, and gig economy payouts.
Network innovation with flexible credentials
Traditionally, a card represents one account or funding source. But that’s changing. With flexible
credentialing, a single card (physical or virtual) can dynamically switch its identity based on context
(time, location, merchant) or user-defined rules. Imagine a user with one card that behaves as
a personal debit card on weekends, a business expense card during work hours, and a crypto
wallet when abroad. The card becomes less of a fixed tool and more of a smart interface, blending
convenience with control.
These advancements aren’t theoretical.
They’re being tested, piloted, and in some cases, already live, and they signal a future where cards
are more than payment tools — they’re intelligent, adaptive platforms in their own right.
Cards today are no longer static pieces of plastic tied to a bank account. They’ve become
programmable tools, powerful, flexible instruments that combine global acceptance with real-time
intelligence. Whether it’s a prepaid card loaded with emergency aid, a business expense card with
built-in policy enforcement, or a creator card with brand-specific perks, the card form factor now
serves a much broader set of functions than ever before.2. These products and features are not currently available. Marqeta continues to evaluate its product roadmap and
offering in response to market and customer needs.
Stablecoins and on-chain settlement2
Stablecoins offer another significant leap forward, especially in cross-border payments and digital
wallets. While users interact with a familiar card product, settlement could occur instantly via
blockchain networks, reducing fees, FX friction, and transaction lag. A creator in Argentina could
get paid in USDC, spend in local currency via a Visa- or Mastercard-backed card, and avoid the
traditional delays or costs associated with international payouts. The convergence of stablecoins
and card rails could quietly revolutionise remittances, freelance income, and gig economy payouts.
Network innovation with flexible credentials
Traditionally, a card represents one account or funding source. But that’s changing. With flexible
credentialing, a single card (physical or virtual) can dynamically switch its identity based on context
(time, location, merchant) or user-defined rules. Imagine a user with one card that behaves as
a personal debit card on weekends, a business expense card during work hours, and a crypto
wallet when abroad. The card becomes less of a fixed tool and more of a smart interface, blending
convenience with control.
These advancements aren’t theoretical.
They’re being tested, piloted, and in some cases, already live, and they signal a future where cards
are more than payment tools — they’re intelligent, adaptive platforms in their own right.
Cards today are no longer static pieces of plastic tied to a bank account. They’ve become
programmable tools, powerful, flexible instruments that combine global acceptance with real-time
intelligence. Whether it’s a prepaid card loaded with emergency aid, a business expense card with
built-in policy enforcement, or a creator card with brand-specific perks, the card form factor now
serves a much broader set of functions than ever before.2. These products and features are not currently available. Marqeta continues to evaluate its product roadmap and
offering in response to market and customer needs.
2323
Control over when, where, and
how they’re spent.
Data that enables personalisation,
automation, and insight.
Flexibility in how they’re issued
and used.
Across all the use cases we’ve explored, from
travel and expense management to credit building,
digital banking, and personal finance, cards offer a
compelling trifecta:
And critically, cards still carry the advantage of
global reach, able to operate across borders,
online and offline, while integrating seamlessly into
everyday financial lives.
Strategic implications for Fintechs and Enterprises
For product leaders, fintech founders, and enterprise innovators, this unlocks real strategic value. Embedded
card issuance can reshape how users engage with your platform, how you monetise spend, and how you
differentiate your offering in a crowded market.
Done right, adding a card product becomes more than a utility.
It becomes a channel for loyalty, a data engine, a behavioral lever, and a new revenue stream.
Conclusion: Why cards are
more than just plastic
05.
Control over when, where, and
how they’re spent.
Data that enables personalisation,
automation, and insight.
Flexibility in how they’re issued
and used.
Across all the use cases we’ve explored, from
travel and expense management to credit building,
digital banking, and personal finance, cards offer a
compelling trifecta:
And critically, cards still carry the advantage of
global reach, able to operate across borders,
online and offline, while integrating seamlessly into
everyday financial lives.
Strategic implications for Fintechs and Enterprises
For product leaders, fintech founders, and enterprise innovators, this unlocks real strategic value. Embedded
card issuance can reshape how users engage with your platform, how you monetise spend, and how you
differentiate your offering in a crowded market.
Done right, adding a card product becomes more than a utility.
It becomes a channel for loyalty, a data engine, a behavioral lever, and a new revenue stream.
Conclusion: Why cards are
more than just plastic
05.
Build your modern card product today
The examples outlined here are just a taste of the
opportunities where cards can make a real impact—
there are many more. From insurance payouts to
sports and community loyalty cards, from B2B
payment automation to mission-driven ESG-linked
cards, the surface area for card-based innovation
is still expanding. Whether you’re building for
consumers, businesses, creators, or citizens,
the tools are in place to create something truly
differentiated—and cards remain central
to innovation.
At Marqeta, we power modern card programs
for innovators, and are certified to operate in
40+ countries. We help launch, scale, and iterate
programs with speed. Our open API platform,
scalable technology, flexible configurations, and
tailored solutions mean we can support your
vision—no matter how unique.
Because in a world that tells you to choose between
stability or innovation, reliability or creativity, or
performance or personalization — we believe you
can have it all. Payments experiences that work
and inspire.
Ready to bring your idea to life?
Let’s talk about how we can help you build
your modern card product today.
2424Marqeta is not a lender. Marqeta provides a technology platform to enable its customers to build out products using
services offered by its bank partners
The examples outlined here are just a taste of the
opportunities where cards can make a real impact—
there are many more. From insurance payouts to
sports and community loyalty cards, from B2B
payment automation to mission-driven ESG-linked
cards, the surface area for card-based innovation
is still expanding. Whether you’re building for
consumers, businesses, creators, or citizens,
the tools are in place to create something truly
differentiated—and cards remain central
to innovation.
At Marqeta, we power modern card programs
for innovators, and are certified to operate in
40+ countries. We help launch, scale, and iterate
programs with speed. Our open API platform,
scalable technology, flexible configurations, and
tailored solutions mean we can support your
vision—no matter how unique.
Because in a world that tells you to choose between
stability or innovation, reliability or creativity, or
performance or personalization — we believe you
can have it all. Payments experiences that work
and inspire.
Ready to bring your idea to life?
Let’s talk about how we can help you build
your modern card product today.
2424Marqeta is not a lender. Marqeta provides a technology platform to enable its customers to build out products using
services offered by its bank partners
25
About the Co-author
06.
Passionate about creating products that tackle fundamental challenges while remaining
economically viable, Jas has built neobanks, scaled FinTech lenders and launched several Fintech
products as both the Chief Product Officer and a consulting product strategist. He shares his
expertise via ‘FinTech: Under the Hood’, a newsletter followed by over 20,000 enthusiasts.
Jas Shah
Jas Shah is an author, adviser and Fintech product
strategist with experience across global financial
services, spanning investment banks, asset
management, neobanking, small and medium
enterprise lending and banking as a service.
About the Co-author
06.
Passionate about creating products that tackle fundamental challenges while remaining
economically viable, Jas has built neobanks, scaled FinTech lenders and launched several Fintech
products as both the Chief Product Officer and a consulting product strategist. He shares his
expertise via ‘FinTech: Under the Hood’, a newsletter followed by over 20,000 enthusiasts.
Jas Shah
Jas Shah is an author, adviser and Fintech product
strategist with experience across global financial
services, spanning investment banks, asset
management, neobanking, small and medium
enterprise lending and banking as a service.
26
Card issuing: Instant issuance of physical,
virtual, and tokenized cards with direct
provisioning to digital wallets
Card processing: Real-time funding using our
Just-in-Time (JIT) Funding™ feature with
dynamic spend controls to reduce fraud
Marqeta is headquartered in Oakland, California
and is enabled in 40+ countries globally.
For more information, visit Marqeta | Modern Card
Issuing and Payment Solutions
Marqeta’s modern card issuing platform empowers
its customers to create customized and innovative
payment cards. Marqeta’s platform, powered
by open APIs, gives its customers the ability to
build highly configurable and flexible payment
experiences, accelerating product development and
democratizing access to card issuing technology.
Its modern architecture provides instant access to
highly scalable, cloud-based payment infrastructure
that enables customers to launch and manage their
own card programs, issue cards, and authorize and
settle transactions.
Marqeta built its simple, trusted, and scalable
platform from the ground up to help companies
design seamless payment experiences, streamline
purchase flows, and bring products to market faster
while minimizing fraud risk.
You see a card.
We see endless possibilities.
Card applications: A suite of applications and
tools that help you build, manage,
and run your card program
Modern architecture: Developer-friendly,
modern open APIs, cloud infrastructure,
and webhooks
About Marqeta
07.
linkedin.com/company/marqeta-inc
Card issuing: Instant issuance of physical,
virtual, and tokenized cards with direct
provisioning to digital wallets
Card processing: Real-time funding using our
Just-in-Time (JIT) Funding™ feature with
dynamic spend controls to reduce fraud
Marqeta is headquartered in Oakland, California
and is enabled in 40+ countries globally.
For more information, visit Marqeta | Modern Card
Issuing and Payment Solutions
Marqeta’s modern card issuing platform empowers
its customers to create customized and innovative
payment cards. Marqeta’s platform, powered
by open APIs, gives its customers the ability to
build highly configurable and flexible payment
experiences, accelerating product development and
democratizing access to card issuing technology.
Its modern architecture provides instant access to
highly scalable, cloud-based payment infrastructure
that enables customers to launch and manage their
own card programs, issue cards, and authorize and
settle transactions.
Marqeta built its simple, trusted, and scalable
platform from the ground up to help companies
design seamless payment experiences, streamline
purchase flows, and bring products to market faster
while minimizing fraud risk.
You see a card.
We see endless possibilities.
Card applications: A suite of applications and
tools that help you build, manage,
and run your card program
Modern architecture: Developer-friendly,
modern open APIs, cloud infrastructure,
and webhooks
About Marqeta
07.
linkedin.com/company/marqeta-inc