Modernizing the way the world moves money
Embedded finance can revolutionize the way your customers and employees interact with money by seamlessly integrating financial services into everyday platforms. Imagine the possibilities of a world where transactions are effortless and happen within the apps we already use daily. Join us in imagining a future where businesses are empowered to create an inclusive and efficient financial ecosystem.
Businesses and consumers are seeking a change
66% of consumers surveyed by Marqeta feel positively about brands beginning to offer financial services*.
Businesses today have an enormous opportunity to unlock delight. The kind of delight that arises when financial solutions are so seamlessly woven into our lives, we almost forget they are there. Embedded finance is your key. Deliver payment and money movement solutions within your trusted brand experiences.
Your opportunity is calling.
It’s time to capture untapped market potential by exploring what embedded finance can mean for you.
The volume of payments made through embedded finance channels in 2021.**
The volume of payments that embedded finance is expected to rapidly reach by 2025.**
Believe most financial services will be offered via non-financial platforms in the near future.**
Game changing solutions. Exponential benefits.
What Value Does Embedded Finance Deliver?
Employee Financial Needs
Earn your workers’ loyalty by addressing their most pressing financial needs.
Address the top concern of workers by offering them faster access to wages, creating a satisfied and loyal workforce
Transform your workers' financial landscape by unlocking access to financial services with true value, including customized rewards and everyday banking tools
Recapture costs with a card program that generates interchange, allowing you to offer accelerated wages in a way that makes financial sense for your workers and your business
Controlling Business Spend
Build a custom payment solution to manage and optimize your business spend
Attract and retain business customers with an embedded spend management solution that reinforces your overall value proposition
Create stickier relationships with business customers by offering spend management solutions with flexibility and control
Pick the program and funding model that works best for you and your customers, helping you earn interchange to reinvest back into the business
Implement our fully scaled platform and program management services, with multiple customer proof points solving for spend management use cases
Consumer Loyalty & Acquisition
Be more for your customers. Build loyalty while reinforcing your brand at every touchpoint through seamlessly embedded financial solutions
Leverage dynamic, personalized rewards and in-depth customer insights to drive more frequent and meaningful interactions
Reinforce your brand with each financial touchpoint by embedding the card experience directly into your brand’s mobile app and website
Expand on your core offering with seamlessly embedded financial solutions that allow you to provide more value to your customers and expand your relationship with them
Access to Business Capital
Unlock capital for your customers and growth for your business by offering flexible credit solutions that can be embedded anywhere
Transition from a vendor to a valued business partner by leveraging your customer insights to extend a line of credit—elevating customer spending power and fostering growth
Expand your product ecosystem and meet the unique needs of business customers with an intuitive user experience, granular controls, and account hierarchies that put your customers in control
Tailor business rewards and incentives customized to the specific needs of the business that resonate with customers, establishing a value proposition that drives acquisition and sustains long-term engagement
Expand revenue-generating opportunities by embedding commercial financial solutions that can drive profit for your business
Employee Financial Needs
Earn your workers’ loyalty by addressing their most pressing financial needs.
Address the top concern of workers by offering them faster access to wages, creating a satisfied and loyal workforce
Transform your workers' financial landscape by unlocking access to financial services with true value, including customized rewards and everyday banking tools
Recapture costs with a card program that generates interchange, allowing you to offer accelerated wages in a way that makes financial sense for your workers and your business
Controlling Business Spend
Build a custom payment solution to manage and optimize your business spend
Attract and retain business customers with an embedded spend management solution that reinforces your overall value proposition
Create stickier relationships with business customers by offering spend management solutions with flexibility and control
Pick the program and funding model that works best for you and your customers, helping you earn interchange to reinvest back into the business
Implement our fully scaled platform and program management services, with multiple customer proof points solving for spend management use cases
Consumer Loyalty & Acquisition
Be more for your customers. Build loyalty while reinforcing your brand at every touchpoint through seamlessly embedded financial solutions
Leverage dynamic, personalized rewards and in-depth customer insights to drive more frequent and meaningful interactions
Reinforce your brand with each financial touchpoint by embedding the card experience directly into your brand’s mobile app and website
Expand on your core offering with seamlessly embedded financial solutions that allow you to provide more value to your customers and expand your relationship with them
Access to Business Capital
Unlock capital for your customers and growth for your business by offering flexible credit solutions that can be embedded anywhere
Transition from a vendor to a valued business partner by leveraging your customer insights to extend a line of credit—elevating customer spending power and fostering growth
Expand your product ecosystem and meet the unique needs of business customers with an intuitive user experience, granular controls, and account hierarchies that put your customers in control
Tailor business rewards and incentives customized to the specific needs of the business that resonate with customers, establishing a value proposition that drives acquisition and sustains long-term engagement
Expand revenue-generating opportunities by embedding commercial financial solutions that can drive profit for your business
The 2024 State of Payments Report
The results are in. Companies that embed financial services into their native ecosystems can strengthen their businesses by improving customer loyalty and retaining valuable workers.
In Marqeta’s fifth annual State of Payments Report, we explore consumer purchase preferences—and how their shifting expectations are shaping future payment solutions.
What a proven partner looks like
We’ve been enabling the world’s innovators for over a decade. You’re next.
A modern, scalable, cloud-native infrastructure that you can build whatever you need.
Comprehensive suite of solutions for debit, prepaid or credit cards, for consumer and commercial use caes.
Provide what legacy providers cannot and we’ve proven ourselves capable of operating at scale.
A portfolio of account and money movement options, a comprehensive risk offering to ensure success.
A platform designed for every stage of growth, you can build with one partner and stand the test of time.
Robust program management expertise so you can execute a card program and be compliant.
More resources to help you shape the future
* Marqeta State of Payments Survey (2024). Data collected from global respondents ages 18-34 ** How banks are staking a claim in the embedded finance ecosystem. (2023)
