Platform overview
Simple. Trusted. Global.
Leverage our modern technology and flexible platform to create your own payment experiences across the world.
Build your programme
Marqeta's secure cloud-based development platform is purpose-designed so that you're in full control of every aspect of your card programme. Alongside open APIs and advanced analytics, you have unprecedented control to issue cards so that you can set the rules, not the scheme or the processor.
Try out new ideas and bring them to life quickly and easily through your own private sandbox. As soon as you're ready with what you've built and tested, bring it to market and launch in different countries with ease.
Create a card
With Marqeta you can create fully-branded physical or virtual cards. Virtual cards can be issued instantly, saving the cost of production and shipping, as well as cutting the time to market.
Offering a great end user experience, customised virtual cards can also be automatically pushed to digital wallets, including Apple Pay and Google Pay, as well as being securely embedded into your app.
ISO 8583
How our platform works
Designed with developers in mind, our platform enables you to:
- Build out a card programme in hours, not months
- Manage the full scope of a programme-build, from physical or virtual card choice right through to simulating transactions
- Accelerate development without waiting for PCI compliance certification
01
Built-in 3D Secure (3DS)
We've built our 3D secure solution from scratch:
No need to integrate to a third-party solution
Set decisioning rules within the Marqeta platform or manage the request yourself
Create a seamless user experience by customising how 3DS is presented to your customers
02
Converting the ISO 8583 to a JSON file
We convert the legacy ISO 8583 scheme message into a user-friendly, open JSON message format:
Standardising fields across both Visa and Mastercard messaging formats
No need for you to unravel the complexity of ISO 8583
Participate in the real time transaction decision with ease
03
Dynamic spend controls
Control spending using a number of variables to create unique customer experiences, while limiting your exposure to risk:
Set programme-level controls to limit where users can transact, reducing fraud risk
Set specific card-level parameters, with rules governing spending limits, frequency, ATM withdrawals, country acceptance and more
Combine spend controls in real time to instantly create highly customised user experiences
04
FraudStream
Use our custom-built fraud detection solution to make better, real time risk decisions:
A real time fraud score of between 1-99 is given to a transaction alongside a recommendation of whether to accept or decline
Decision rules can be configured by you to suit different scenarios
Data is stored to enable you to build much richer risk models over time
05
Webhooks
Whenever an event occurs on a card, use near real time, asynchronous notifications to keep your end users up to date:
Provide meaningful in-app notifications to your customers
Receive webhook notifications when both transactional and non-transactional events occur, such as cards being blocked or activated, or one-off or repetitive transactions
06
Customer decisioning
Through Just-in-Time FundingTM you can directly take part in the authorisation decision and automatically fund an account at the time a transaction is made, so that you can:
Become your own processor engine. Approve or decline each transaction based on your business logic
Free up capital and improve cash flow by maintaining a zero cardholder balance until you authorise the release of funds
Authorise and fund each transaction in real time
07
Transaction matching
Our platform automatically matches the original authorisation message with subsequent reconciliation processes including reversals, refunds and chargebacks.
Save time and resources by minimising manual processes or having to build your own algorithm
Let us handle all scenarios including full and part chargebacks and refunds
08
Programme dashboard
A single application to serve all your programme administration and management needs throughout the entire customer journey, including:
Optimise programme funding, account balances, stand-in processing, and reconciliations
Find details on cards, transactions, and history, and have the ability to change the status and report lost or stolen cards
Manage the card life cycle including ordering, activating, suspending, and terminating cards
09
Data insights
Analyse real time transactions to manage and optimise your programme, giving you the freedom to:
Manage card operations or compliance reports with curated data made available in real time
Understand the spending patterns of your cardholders across a range of variables
Use APIs to access bulk transaction data and integrate that into visualisations or other apps
Get started in minutes
Fancy a peek at the processing technology that has powered payments innovation from pioneers such as Klarna, Capital on Tap and Yapeal?
Simply sign up with an email address to create an account. You'll then be given access to the API keys.
Marqeta issues developers with a dedicated sandbox. This ensures any development work is private and means developers can apply functionality and controls that represent their audience.
Each of our APIs can be consumed individually or through SDK's in either Python or Ruby programming languages.
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 manage fraud. Data insights and fraud products for visibility and control in the card programmes.
Scalable
Scalable platform with built-in redundancy, failover and 99.99% uptime.
Simple
Our open APIs and developer SDKs allow you to create customised cards or payment products in a matter of hours.
Time to launch your next payment innovation?
Let's talk about your use case and how we can help.
