# www.marqeta.com > AI-optimized mirror of www.marqeta.com containing 50 pages totalling 27,833 words of clean markdown content, structured data, and semantic HTML. Original source: https://www.marqeta.com/. Last updated: 2026-04-27T15:51:22.962Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [The card issuing platform built for debit credit flexible credentials prepaid what's next](/site-root.html): Transform your business with Marqeta's modern card issuing platform. Our open API platform allows businesses to instantly issue cards and process payments. (505 words) ## Articles & Blog Posts - [Beyond luxury: How BNPL is evolving into an essential tool for everyday financial health](/blog/beyond-luxury-how-bnpl-is-evolving-into-an-essential-tool-for-everyday.html): Buy Now, Pay Later is shifting from luxury purchases to essential spending. Learn how BNPL is becoming a vital cash flow management tool for daily expenses. (1,598 words) - [The payments vendor decision that defines your next decade](/blog/the-payments-vendor-decision-that-defines-your-next-decade.html): 91% of scaled fintechs switched payment vendors. 70% of migrations took 2-3x longer than planned. Why your vendor decisions define the next decade. (1,279 words) - [resources/program-management-guide/index.html](/resources/program-management-guide/index.html) (1 words) - [Why the business of payments is changing rapidly](/asset/why-the-business-of-payments-is-changing-rapidly/index.html): Faster, more personalized, and more secure digital experiences require a payments overhaul. (1,366 words) - [asset/a-primer-on-the-power-and-potential-of-in-car-payments.html](/asset/a-primer-on-the-power-and-potential-of-in-car-payments.html) (1 words) - [Square](/asset/square/index.html): Download our Square case study to better understand how Marqeta and Square partner to deliver a thriving modern card program. (1,384 words) - [resources/the-true-cost-of-multi-vendor-payment-systems/index.html](/resources/the-true-cost-of-multi-vendor-payment-systems/index.html) (1 words) - [Coinbase](/asset/coinbase/index.html): Leading crypto platform uses Marqeta to unlock new financial opportunities for customers (1,083 words) - [Issuing Evolved: Integrated Financial Solutions for Scaling Companies](/resources/issuing-evolved-integrated-financial-solutions-for-scaling-companies.html): Learn how scaling companies evolve card issuing into growth engines. Free "Issuing Evolved" webinar Oct 8th with Marqeta experts. Register now. (275 words) - [One card. More payment options. Flexible Credentials explained](/resources/one-card-every-payment-flexible-credentials-explained.html): Learn how Flexible Credentials let a single card switch between debit, credit, BNPL, and prepaid in real time. Join us April 29 to see what's live today. (309 words) - [Torpago](/asset/torpago/index.html): Spend management platform uses modern card issuing to disrupt. (1,063 words) - [Credit](/asset/credit-tech/index.html): Bring customized credit products to market with Marqeta's modern credit card issuing platform. (828 words) - [Yapeal](/asset/yapeal/index.html): Yapeal is redefining how people handle money with personalized IBANs, digital wallets, and modern card issuing. (724 words) - [The value of paying providers with virtual cards](/asset/the-value-of-paying-providers-with-virtual-cards/index.html): Virtual cards can offer health care providers a smooth and seamless payment experience. (448 words) - [Educate, Empower, Enrich: How Modern Card Program Technology Can Ignite Your Trading Platform](/asset/trading-platform-ebook/index.html): Download our Trading Platform ebook to better understand how modern card programme technology can ignite your trading platform. (809 words) - [Trust shift: Gen Z is ready to bank with non-traditional firms](/resources/trust-shift-gen-z-is-ready-to-bank-with-non-traditional-firms.html): 50% of younger users today don't have a bank account with a traditional bank. Learn how top brands are using embedded finance to increase engagement (361 words) - [Old rails, new rules: reimagining payments infrastructure](/resources/old-rails-new-rules-reimagining-payments-infrastructure.html): Join us on June 25, 2025 for actionable strategies and expert insights to modernize your tech stack or a fintech scaling fast (285 words) - [Going Digital: Transform your CX with virtual cards and tokenization](/resources/going-digital-transform-your-cx-with-virtual-cards-and-tokenization.html) (446 words) - [Developer Deep Dive: Simulations 2.0](/resources/simulations-2-0-webinar/index.html): Introducing Simulations 2.0, a new and improved experience in our Sandbox, providing developers with endpoints to simulate various transaction event types. (318 words) - [Why consumers don’t understand fraud and what payment innovators need to do about it](/resources/why-consumers-dont-understand-fraud-and-what-payment-innovators-need-to-do-about-it.html): A new report provides insights into U.S. and U.K. consumer attitudes toward payment card fraud. (386 words) - [2022 State of credit](/resources/2022-state-of-credit/index.html): Learn about consumer attitudes towards credit, the BNPL boom, and how consumers think about spending (588 words) - [Under the hood*: Igniting innovation in card programs](/resources/under-the-hood-igniting-innovation-in-card-programs.html): Join Marqeta's livestream on card program innovation. Learn digital payments trends, UX best practices & tools to launch faster. (247 words) - [Virtual cards: the 4 pitfalls of a cookie-cutter approach](/resources/virtual-cards-pitfalls-of-a-cookie-cutter-approach/index.html): Viewing one virtual card as the same as another can be a big mistake when deciding on a new card program. (344 words) - [Abstracting complexity: how to navigate the payments ecosystem with confidence](/resources/white-paper-abstracting-complexity-how-to-navigate-the-payments-ecosystem.html): How to Navigate the Payments Ecosystem (428 words) - [How Banking-as-a-Service Buyers Can Achieve Differentiation via Technology Partners](/resources/how-baas-buyers-can-achieve-differentiation/index.html): BaaS buyers can provide a differentiated user experience from competitors by utilizing the right technology partners. Read the full white paper here. (303 words) - [2021 State of credit](/resources/2021-state-of-credit/index.html): Learn about consumer attitudes towards credit and and how alternative options, such as BNPL, are driving new expectations (459 words) - [Driving innovation: how payments are accelerating in cars](/resources/driving-innovation-how-payments-are-accelerating-in-cars.html): Discover what’s ‘driving’ in-car payments forward. Learn how tech innovators are teaming up with auto companies to bring financial convenience (776 words) - [Build Loyalty. Inspire Growth. What you need to know about Corporate Cards and Expense Management](/resources/beyond-the-norm-webinar/index.html): Join us for an insightful conversation on what modern payments can do for your company's expense management (353 words) - [2021 Fraud report](/resources/2021-fraud-report/index.html): Why consumers are more concerned than ever about fraud. (431 words) - [Verify the identity of a business during cardholder acquisition](/asset/verify-the-identity-of-a-business-during-cardholder-acquisition.html): Use Marqeta’s KYC API solution to confirm business cardholders are who they say they are. (375 words) - [Faster, smarter payouts: How digital disbursements are reshaping industries](/resources/faster-smarter-payouts-how-digital-disbursements-are-reshaping-industries.html): Watch our livestream to explore real-time payouts reshaping industries—boosting speed, trust, and loyalty with digital disbursements. (249 words) - [Understanding card issuing platforms: a buyer’s guide for building an RFP](/resources/understanding-card-issuing-platforms-a-buyers-guide-for-building-an-rfp.html): Card issuing platforms come with extensive functionality and integrations with card networks and supporting banks to facilitate running a card program. (324 words) - [platform/card-issuing/index.html](/platform/card-issuing/index.html) (1 words) - [Ramp](/asset/ramp-case-study/index.html): Ramp relies on modern card issuing for flexibility and scale as it helps businesses optimize spend. (23 words) - [docs/core-api/kyc-verification/index.html](/docs/core-api/kyc-verification/index.html) (1 words) - [2024 State of Payments](/resources/2024-state-of-payments/index.html) (132 words) - [blog/index.html](/blog/index.html) (1 words) - [The infrastructure behind the next wave of financial services innovation](/asset/the-infrastructure-behind-the-next-wave-of-financial-services-innovation.html): rom digital banking to creator payouts, explore how programmable card infrastructure powers the next wave of fintech innovation. A guide by Marqeta. (4,058 words) - [2022 State of Consumer Money Movement](/resources/2022-state-of-consumer-money-movement/index.html): In this survey, get current consumer purchase preferences and how they want to pay, bank, and shop. (493 words) - [The tech behind insurtech: a guide to 7 core technologies](/resources/the-tech-behind-insurtech-a-guide-to-7-core-technologies.html): Emerging technologies are making insurance products smarter and more flexible. (355 words) - [Up and to the right: payment card issuing grows in the 21st century](/resources/up-and-to-the-right-payment-card-issuing-grows-in-the-21st-century.html): The humble payment card is on a trajectory to become one of the most successful products of all time. (404 words) - [Payment infrastructure lessons from scaled businesses](/resources/payment-infrastructure-lessons-from-scaled-businesses.html): Watch our webinar or how new research from Totavi reveals what scaled businesses learned the hard way about multi-vendor payment complexity. (392 words) - [Flexible Credentials](/platform/flexible-credentials/index.html): One card that switches between debit, credit, BNPL, and prepaid in real time. Drive top-of-wallet without issuing more cards. (434 words) - [Core API Basics](/docs/core-api/introduction/index.html): Learn about using Marqeta's Core API to launch and manage your company's payment card program. (760 words) - [How Moss Stopped Fraud in Real Time with Marqeta](/asset/how-moss-stopped-fraud-in-real-time-with-marqeta/index.html): Learn how Moss used Marqeta's Real-Time Decisioning, 3DS, and AI-powered disputes to prevent ~€100k in fraud losses and save ~€100k in internal costs — while (35 words) - [Card issuing APIs: A guide to unlocking the power of payments innovation](/blog/card-issuing-apis-a-guide-to-unlocking-the-power-of-payments-innovation.html): Learn how card issuing APIs can transform payments. Launch card programs fast, customize features, and scale globally with developer-first tools. (1,301 words) - [Klarna Card Migration Case Study](/asset/klarna-migration-case-study/index.html): Learn how Klarna executed a zero-downtime card program migration covering multiple regions, currencies, and products using Marqeta's API-first platform. (35 words) - [Marqeta powers crypto cards for innovators](/blog/marqeta-powers-crypto/index.html): Marqeta’s modern card issuing platform is enabling crypto category leaders to build cutting-edge card solutions. (742 words) - [6 important considerations for launching a crypto card](/resources/6-important-considerations-for-launching-a-crypto-card-2.html): Learn the top considerations for designing and launching a crypto spend or rewards card. (319 words) ## Resources - [Full Page Index](/index.html): Browse all cached pages with rich metadata - [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines - [XML Sitemap](/content/sitemap.xml): Machine-readable sitemap for crawler discovery - [Robots.txt](/content/robots.txt): Crawler directives