Expense management solutions
Offer real-time spend tools that build real retention
Help your customers see, manage, and control where every dollar is spent, while strengthening your platform’s value and trust.
The opportunity
Old expense management tools can't keep up with modern spend
When finance teams can’t track spend, they start looking for better tools and partners. That’s your opportunity to build something smarter — inside your product.
68%
of CFOs are actively looking to improve visibility into spend across their company 1
Expand your platform value
Attract customers with expense cards and flexible reimbursement options built into your platform, offering full spend control in one seamless experience.
Stay top of mind
Customers want adaptable card controls, real-time visibility, and an intuitive user experience. Give it to them and nurture relationships that endure.
Generate new revenue
Earn revenue on every transaction and reinvest in your platform's growth.
Ways to embed expense management solutions
Better spend tools, better platform outcomes
See how platforms can embed spend management to create improved user experiences and stronger customer relationships.
Launch an expense card with features your customers will rely on daily
Create a complete business expense card program with real-time controls and flexible rules to help customers control spend with features they’ll rely on every day.
See how Ramp saves businesses money with Marqeta’s issuing infrastructure
Help businesses on your platform control spend from within
Give SMB customers spending cards with built-in expense tools, reducing manual work and increasing platform stickiness as they grow.
Launch an expense card with features your customers will rely on daily
Create a complete business expense card program with real-time controls and flexible rules to help customers control spend with features they’ll rely on every day.
See how Ramp saves businesses money with Marqeta’s issuing infrastructure
Help businesses on your platform control spend from within
Give SMB customers spending cards with built-in expense tools, reducing manual work and increasing platform stickiness as they grow.
How it works
Grow your platform’s value through seamless money management
Marqeta gives your platform the tools, expertise, and guidance to issue cards, manage controls, and deliver an experience your customers rely on daily.
Card issuing
Provide virtual and physical employee expense cards with wallet provisioning and tokenization for a smooth user experience.
Spend controls
Set granular controls around how, where, and when cards are used, including merchant, category, time, and velocity filters.
Just-in-time funding
Fund transactions as they occur to help your customers improve cash flow and make capital work harder.
Comprehensive non-card rails
Give employees their choice of reimbursement, from push to card to ACH and beyond, all delivered through the same platform as your expense program.
Program management
Access built-in tools and expert support to scale your business expense card program.
The Marqeta advantage
Build a card-powered expense solution that complements your product
With Marqeta, you don’t have to choose flexibility or control. Build a solution that’s deeply embedded, developer-friendly, and ready to scale.
Modern card issuing
Go to market faster with a platform designed for embedded expense flows. With physical and virtual expense card APIs, you can issue cards, configure spend controls, and integrate quickly.
Made for developers
Access 370+ APIs with clear documentation and fast testing environments. Marqeta gives you the tools to build and scale embedded expense cards with full control over user experience and spend logic.
Fund under approval
Support smarter expense policies with real-time controls and JIT funding. Fund only approved transactions at the moment of purchase, eliminating pre-funding and reducing fraud risk.
One platform, more ways to pay
Comprehensive payment rails including push to card, ACH, RTP and more, let every employee get reimbursed the way that works best for them, all through the same platform running your expense program.
You don’t build it alone
From innovative disruptors to global enterprises, we support your expense card program with proven tools, expert guidance, and help navigating policy enforcement, compliance, and growth.
Expense management is just the first step
Support the full commercial payments journey
Build a connected platform with embedded tools that grow together.
Built for where you're going, not just where you are
Work with a partner that adapts with your roadmap, not one you’ll outgrow.
Frequently asked questions
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.
1. PYMNTS, Smart Spending 2025
Marqeta's support for these use cases varies by jurisdiction. Contact us for details on what is currently available in your jurisdiction, and what's on our roadmap.