# Flexible Credentials

## One card. Every way to pay.

Power a single card that adapts to debit, credit, BNPL, and more, driving engagement and earning top-of-wallet status.

[Explore what’s possible](https://www.marqeta.com/contact-us)

## Launch a flexible payment solution that moves your business forward

### Multiple funding sources, one card

Deliver one card with multiple payment methods, including debit, credit, or BNPL, to drive payment flexibility and top-of-wallet usage.

**60% of consumers aged 25-44 want more flexible payment options.**

### Drive revenue by reducing checkout friction

A single credential reduces drop-off, helping you recover revenue and improve conversion.

**~70% of e-commerce carts are abandoned, often due to payment friction.**

### Get products to customers faster

Launch faster with a single card that supports multiple use cases. Skip the complexity of managing separate cards, and get new products into customers’ hands sooner, without reissuing.

### Build the next generation of payments

Go beyond traditional cards with a flexible payment solution designed for how people pay, delivering dynamic, personalized experiences that adapt in real time.

## The first Flexible Credentials provider

Marqeta is the first issuer processor in the U.S. certified for Flexible Credentials and has already brought multiple programs to market at scale, enabling customers to launch a single card that combines debit and credit functionality.

## A new standard for how people pay

### Single card, multiple payment methods

Combine debit, credit, and more into one credential to reduce card clutter and operational complexity for your team.

### Real-time payment flexibility

Let cardholders seamlessly switch to their preferred payment type prior to purchase.

### Personalized payment experiences

Enable users to set preferences, choose defaults, and toggle payment methods within your app.

### Choose your network

Marqeta is certified across major networks, so you can launch Flexible Credentials with the partner that fits your program.

## Flexible Credentials in action

### 2025 State of Payments Report

[Read more](https://www.marqeta.com/state-of-payments)

### Marqeta to Power New Klarna Debit Card in the U.S.

[Read more](https://investors.marqeta.com/news-releases/news-release-details/marqeta-power-new-klarna-debit-card-us/)

### Marqeta Becomes First Issuer Processor in the US Certified to Enable Visa Flexible Credential

[Read more](https://investors.marqeta.com/news-releases/news-release-details/marqeta-becomes-first-issuer-processor-us-certified-enable-visa/)

## Let’s design the future of flexible payment solutions together

[What will you build?](https://www.marqeta.com/contact-us)  
* **Marqeta,** [State of Payments](https://www.marqeta.com/asset/state-of-payments-2025), 2025