MARQETA
The next era of embedded finance
About MARQETA
Marqeta is the world's first modern card issuing platform, enabling any company to deliver delightful payment experiences natively. Founded in 2009 by Jason Gardner with a vision to simplify payments, Marqeta built its platform from the ground up to enable developers to launch new card programs with speed, flexibility, and scale. Obsessed with making the complex easy, Marqeta evolved into the world's first open API modern card issuing platform. The company operates 24/7, 365 days a year with a mission-critical focus on near-perfect operations, as articulated by Founder and Executive Chairman Jason Gardner: "If we don't operate near perfect, our customers suffer". Marqeta has achieved significant scale and recognition, processing $383B+ in transaction volume annually with 99.99% uptime achieved in 2025. The platform is certified to operate in over 40 countries and has achieved 80x volume growth since 2017. Marqeta powers card programs for industry-leading companies including Uber, Instacart, Klarna, Square, and Western Union, validating its enterprise-grade capabilities. The company went public on NASDAQ in 2021 (ticker: MQ) and has raised over $1.1B in total funding from investors including Visa, Goldman Sachs, Andreessen Horowitz, and General Catalyst. Recognized with the API Awards for Best in Payments APIs and named to CNBC Disruptor Top 50 in 2021, Marqeta defines the modern card issuing category with over 10 years of experience in the space
Key Infrastructure
Card Issuing API
Open APIs for creating and managing card programs with full lifecycle control. Supports virtual and physical card issuance, instant provisioning, and real-time card management operations.
Card Processing
Direct connections to Visa and Mastercard networks for authorization, clearing, and settlement. Provides reliable transaction processing at scale with high success rates and comprehensive reporting capabilities.
Just-in-Time (JIT) Funding
Dynamic funding model that loads funds onto cards at moment of transaction. Reduces idle capital requirements and enables on-demand financing for card programs with optimal cash flow.
RiskControl
Comprehensive fraud detection and prevention platform with advanced machine learning models. Includes real-time transaction monitoring, velocity checks, and adaptive fraud scoring for robust protection.
Dynamic Spend Controls
Real-time spend controls with merchant category restrictions, geographic limits, and spending velocity rules. Provides granular control over card usage through APIs and dashboard configuration for precise management.
Virtual Cards
Instant virtual card creation for online and mobile purchases. Supports single-use and multi-use virtual cards with dynamic CVV and expiration management.
Additional Features
$383B+ Annual Volume
Processed over $383 billion in transaction volume in 2025, demonstrating enterprise-grade scale and reliability for demanding payment workloads.
Program Management
Full operational support for bank partnerships, network certifications, and regulatory compliance, reducing complexity for launching card programs.
99.99% Uptime
99.99% uptime in 2025 with always-on availability and no scheduled maintenance for mission-critical operations.
Digital Wallet Integration
Apple Pay and Google Pay support for seamless mobile wallet payments on iOS and Android devices.
Tokenization
Tokenization and digital wallet provisioning for secure card-on-file payments, reducing fraud and enabling seamless recurring transactions.