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Payment solutions

Expense management software

Create travel and expense or accounts payable solutions with flexibility and control.
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Marqeta

The problem

Expense management software solutions look to issue their own card products to create a better experience for their customers who use the software to track, manage, and report on company spend. With thousands of end users at play, scale and control is critical.
Marqeta

The solution

Issue cards at scale across a large user base with data and reporting to gain full control and visibility into the card program, usage, and risks. Leverage open APIs to create customized cards with baked-in spend controls that fund expenses in real time for individuals or teams.

Real world: business expenses

Card issuing for customers to distribute to employees for travel and business expenses
Expense software
Cards issued
Cards issued
Employees are issued zero-balance physical, virtual, or tokenized cards.
Marqeta platform
Cards distributed
Cards distributed
Employees are free to make business purchases (travel, events, meals, etc.) with the cards.
Expenditures
Cards charged
Cards charged
Zero-balance cards are used for purchases as needed by the employees.
Marqeta platform
Spend evaluated
Spend evaluated
Managed or gateway spend controls can be customized to minimize fraud and manage employee purchasing power.
Expenditures
Auth requested
Auth requested
Marqeta’s platform is contacted by the appropriate network for authorization.
Expense software
Notification received
Notification received
Marqeta webhooks allow real-time notifications upon transaction completion.
Marqeta platform
Funds released
Funds released
Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.
Expenditures
Transaction completed
Transaction completed
Authorization is successful and the payment is confirmed.

How it works

See how Marqeta creates card programs for expense management
“By offering seamless corporate card experiences, we empower our customers to focus on their business goals instead of spending valuable time combing through expense reports. Marqeta’s open API platform is the perfect fit for our business, and will support us as we continue to innovate and come up with new product offerings to offer our customers.”
Blake MurrayBlake Murray,Founder and CEO, Divvy

Key benefits for expense management

Marqeta

Virtual cards

Create virtual cards as needed to satisfy accounts payable and empower employees with expense cards provisioned directly to digital wallets.
Marqeta

Physical and tokenized cards

White label, personalize, and brand your physical cards and leverage in-app provisioning into digital wallets.
Marqeta

Dynamic spend controls

Create customized solutions for your customers (e.g., cards that can limit spend to certain individuals, teams, merchants, or a time period such as during an event).
Marqeta

JIT (Just-in-Time) Funding

Authorize and fund transactions in real time, optimizing for cash flow and spend control.
Marqeta

Inject metadata into each transaction

Append metadata to each transaction to ease reconciliation and reduce errors. Match supplier IDs, invoice numbers, and more.
Marqeta

Data insights

Provide visibility into spend patterns to help guide budget allocations.

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