# Payment Platform Overview

## Simple. Trusted. Global.

Leverage our modern technology and flexible platform to create your own payment experiences across the world.

### Core functionality

- Easy integration
- Intuitive UI
- Cloud infrastructure

### Core functionality

#### 1. Card Issuing
- Physical or virtual cards
- Tokenization
- Card management and fulfillment

#### 2. Processing and Settlement
- Authentication & 3DS
- Just-in-Time (JIT) Funding
- Dynamic spend controls

#### 3. Marqeta Dashboard
- Card lifecycle management
- Data insights and reporting
- Case management

### Accounts and money movement

- Open accounts and onboard users
- Card and non-card money movement
- Real-time user insights

Marqeta is not a bank or a lender. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners. Marqeta's support for these products varies by jurisdiction. Contact us for details on what is currently available in your jurisdiction, and what's on our roadmap.

### RiskControl

- Risk-aware growth
- Transaction fraud mitigation
- Compliance management

### Open APIs & Webhooks

- Customizable card experiences
- Visibility and transparency
- Integration with other apps

## Your card experience

User wants to make a payment and has a physical or virtual card

- Facial recognition
- 3D Secure
- Password
- Authorization happens
- Location
- Amount
- Store type

- Verification of spend controls
- JIT Funding to release funds in realtime
- Transaction clears and completes
- Webhooks send notifications on card activities to your system

And all of this happened in _2.45 seconds_

## What makes Marqeta different?

The Marqeta platform lets you develop and launch innovative, global, and trusted payment solutions at unprecedented speed.

- ### Trusted
Dynamic controls to limit spend and reduce fraud. Data insights and fraud products for visibility and control in card programs.

- ### Scalable
Scalable platform with built-in redundancy, failover, and 99.99% uptime.

- ### Simple
Open APIs and developer SDKs to create customized cards or payment products in a matter of days.

### Launch your next payment innovation?
Let’s talk about your use case and how we can help.