Marqeta

Best for: Regulated or enterprise workloads - compliance attestations and an enterprise plan; AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You need transparent pricing up front; You want to try it free before paying

Pricing model

Contact sales [2]marqeta.com/uk/demystifying-cards-guide/costs-of-card-programme“The webpage focuses on explaining cost categories rather than providing a detailed pricing schedule. No setup fees, minimum commitments, per-authorization fees, or specific per-card charges are disclosed.”marqeta.com/demystifying-cards-guide/costs-of-card-program“The article discusses cost categories that card programs must consider but does not provide actual pricing figures for Marqeta's offerings.”

Published pricing

✗ No

Free tier

✗ No

Self-serve signup

✓ Yes [3]marqeta.com/developer-overview“Launch your next payment innovation—Let's talk about your use case”marqeta.com/docs/developer-guides/core-api-quick-start“Account creation is self-directed through a dedicated portal: users can 'create an account on the Marqeta platform' by visiting the signup link at https://auth.marqeta.com/create-account”

Requires sales call

✓ Yes [4]marqeta.com/docs/developer-guides/building-your-managed-card-program“you submit documents to Marqeta so that the issuing bank and card network can review and approve your request. After you and Marqeta have signed the MSA, the due diligence and integration verification processes begin.”

Enterprise plan

✓ Yes [5]marqeta.com/resources/program-management-guide“Marqeta operates under a 'Managed by Marqeta' (MxM) model where they serve as the program manager”

• Virtual cards
• Physical cards
• Spend controls
• BIN sponsorship
• Credit programs
• Push provisioning
• Multi-region

Supported actions

issue_virtual_card, issue_physical_card, jit_funding, spend_controls, authorization_controls, velocity_controls, 3ds, tokenization, card_lifecycle_management, program_management, kyc_kyb, real_time_webhooks, dispute_management, push_provisioning, digital_wallet_provisioning, flexible_credentials, commando_mode, ach_receiving, real_time_decisioning, address_verification, ledger_accounts, credit_program_management, ivr_card_management, pci_compliant_widgets, analytics_reporting, push_to_card_disbursements [6]marqeta.com/docs/developer-guides/features“KYC (Know Your Customer): Identity verification for consumer and business account holders; 3D Secure: Additional verification step for online transactions; Dispute Management: Dashboard and `/cases` endpoint for managing transaction disputes”marqeta.com/docs/developer-guides/features“Just-in-Time (JIT) Funding: Two variants— Managed JIT: Marqeta's platform uses configured spend controls for authorization decisions; Gateway JIT: Platform forwards requests to merchant systems for approval”

Regions

United States, Europe (EEA + UK), Asia-Pacific (Australia, Hong Kong, Japan, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand, Vietnam), Canada, Latin America, 40+ countries globally [7]investors.marqeta.com/news-releases/news-release-details/marqeta-announces-completion-transactpay-acquisition/“TransactPay, operating under its EMI licenses, is currently live in 25 countries, supporting 16 currencies, and is a principal member of Mastercard and Visa.”marqeta.com/uk/company/why-marqeta“40 countries certified to operate”

Input types

Visa, Mastercard, Discover, virtual, physical, debit, prepaid, credit, consumer, commercial

Output types

JSON, webhook events, card tokens, authorization events, transaction data, settlement files, statements, analytics reports

Webhooks

✓ Yes [8]marqeta.com/docs/developer-guides/about-webhooks“Each program can have up to five active webhooks”

Sandbox / test mode

✓ Yes [9]marqeta.com/developer-overview“Sign up and kick off your private sandbox in just three clicks; Spin up your own private sandbox and start developing in minutes”

SDK languages

Python [10]github.com/marqeta/marqeta-python“The repository was archived on January 9, 2026, and is now read-only.”marqeta.com/docs/core-api/sdks-landing“You can use an SDK to access the Marqeta Core API”

MCP server

✓ Yes [11]marqeta.com/platform/mcp-server“enable your AI agents with payment workflows through Marqeta's Model Context Protocol (MCP) Server”github.com/marqeta/marqeta-mcp“MCP server to allow AI agents interact with Marqeta backend”

SOC 2

SOC 2 Type II [12]trust.marqeta.com“SOC 1 Type 2; SOC 2 Type 2”marqeta.com/uk/company/why-marqeta“PCI DSS, PCI 3DS, SOC 1 and SOC 2 certifications”

HIPAA

✗ No [13]trust.marqeta.com“Certifications include Payment Card Industry Data Security Standard (PCI DSS) and the American Institute of Certified Public Accountant (AICPA) Systems and Organization Control SOC 1 and SOC 2 Trust Services criteria for Security, Availability and Confidentiality.”

GDPR

✓ Yes [14]trust.marqeta.com“GDPR compliant”

ISO 27001

✓ Yes [15]trust.marqeta.com“ISO/IEC 27001 — GDPR compliant”

PCI DSS

✓ Yes [16]marqeta.com/docs/developer-guides/security“Marqeta maintains PCI DSS level 1 and SSAE-18 compliance certifications.”trust.marqeta.com“Certifications include Payment Card Industry Data Security Standard (PCI DSS) and the American Institute of Certified Public Accountant (AICPA) Systems and Organization Control SOC 1 and SOC 2 Trust Services criteria for Security, Availability and Confidentiality.”

Published SLA

✓ Yes [17]marqeta.com/terms-and-conditions“API Response Performance Target: response time of 1,000 milliseconds or less for 99.99% (rounded) or greater of all Critical API Calls”marqeta.com/terms-and-conditions“Monthly Transaction Success Rate of 99.99% (rounded) or greater in a calendar month”

Rate limits

DiVA API: requests should not exceed 300 report requests per five-minute interval (one per second). Core API rate limits are program-specific (expressed as RPS/TPS) and not publicly documented - contact your Account Manager. [18]marqeta.com/docs/core-api/rate-limiting“your specific rate limits are based on Marqeta's analysis of your program's historical usage patterns and infrastructure requirements. Rate limits use time-based windows, expressed as requests per second (RPS) or transactions per second (TPS).”marqeta.com/docs/diva-api/introduction“Requests from the DiVA API should not exceed 300 report requests per five-minute interval (one per second).”

Known restrictions

PCI DSS Level 1 service provider, PCI DSS 4.0.1 shared responsibility model - customer retains compliance obligations for their own environment, Marqeta provides BIN sponsorship via banking partners (no need to bring your own bank); TransactPay acquisition (completed 2025) added direct EMI license and BIN sponsorship across 25 EU/UK countries, Also offers 'Powered by Marqeta' model where customer manages their own bank relationship and must obtain licenses independently, Live card program launch requires sales engagement and program approval; sandbox is self-serve, Customers generally not subject to minimum volume commitments per SEC filings, though some contracts may include them, Marqeta is a regulated program manager / issuer-processor, not a licensed bank; banking partners are provided, Support for specific jurisdictions varies; contact required for jurisdiction-specific availability, Up to 5 active webhooks per program, Python SDK archived as of January 2026 (read-only); no other official language SDKs currently published [19]marqeta.com/blog/marqeta-completes-transactpay-acquisition-strengthening-european-payment“TransactPay is described as an E-Money Institution and BIN Sponsor. The acquisition strengthens Marqeta's European position by enabling full card program management capabilities in Europe.”marqeta.com/docs/developer-guides/security“Marqeta maintains PCI DSS level 1 and SSAE-18 compliance certifications.”marqeta.com/docs/developer-guides/building-your-powered-card-program“obtain any required licenses on your own, or work directly with an issuing bank for BIN sponsorship”

• Docs
• API reference
• Status page

Docs rendering: static

API style

rest

Base URL

https://sandbox-api.marqeta.com/v3

Version

v3

Versioning

url

Stability

ga

Auth methods

basic

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

hmac_sha256

SDKs

• Python marqeta · repo

• Auth docs
• Quickstart
• MCP server
• Webhook events

Launched

2010-01-01

Notable customers

Square (Block), Uber, Affirm, Instacart, DoorDash, Google

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Stripe Issuing

  "With over 275 million cards created, Stripe Issuing is the preferred card issuance infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises."

  Usage · public pricing

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Swan

  "The easiest way to embed banking features into your product."

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Adyen Issuing

  "Get everything you need to create and manage your card program with our financial technology platform."

  Sales-led

Marqeta alternatives · Marqeta vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: marqeta.com · marqeta.com
2. ↑Pricing model: marqeta.com · marqeta.com
3. ↑Self-serve signup: marqeta.com · marqeta.com
4. ↑Requires sales call: marqeta.com
5. ↑Enterprise plan: marqeta.com
6. ↑Supported actions: marqeta.com · marqeta.com
7. ↑Regions: investors.marqeta.com · marqeta.com
8. ↑Webhooks: marqeta.com
9. ↑Sandbox: marqeta.com
10. ↑SDK languages: github.com · marqeta.com
11. ↑MCP server: marqeta.com · github.com
12. ↑SOC 2: trust.marqeta.com · marqeta.com
13. ↑HIPAA: trust.marqeta.com
14. ↑GDPR: trust.marqeta.com
15. ↑ISO 27001: trust.marqeta.com
16. ↑PCI DSS: marqeta.com · trust.marqeta.com
17. ↑Published SLA: marqeta.com · marqeta.com
18. ↑Rate limits: marqeta.com · marqeta.com
19. ↑Known restrictions: marqeta.com · marqeta.com · marqeta.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_region":true,"virtual_cards":true,"physical_cards":true,"spend_controls…
2. 2026-06-21 Summary Md: (none) → Marqeta is a card issuing platform that lets companies launch virtual and physi…
3. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
4. 2026-06-21 Score Pricing Transparency: (none) → 0
5. 2026-06-21 Score Setup Speed: (none) → 65
6. 2026-06-21 Score Docs Quality: (none) → 35
7. 2026-06-21 Score Procurement Friction: (none) → 25
8. 2026-06-21 Score Trust Readiness: (none) → 85
9. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
10. 2026-06-21 Avoid If: (none) → You need transparent pricing up front, You want to try it free before paying
11. 2026-06-21 Score Agent Friendliness: (none) → 60
12. 2026-06-21 Rendering: (none) → static
13. 2026-06-21 Has Structured Data: (none) → Yes
14. 2026-06-21 Robots Allows Agents: (none) → Yes
15. 2026-06-21 API Reference URL: (none) → https://www.marqeta.com/developer-overview
16. 2026-06-21 Status Page URL: (none) → https://status.marqeta.com
17. 2026-06-21 Docs URL: (none) → https://www.marqeta.com/docs/developer-guides
18. 2026-06-21 Llms Txt Present: (none) → No
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to Yes
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 SOC 2: set to type_2
24. 2026-06-21 HIPAA: set to No
25. 2026-06-21 GDPR: set to Yes
26. 2026-06-21 ISO 27001: set to Yes
27. 2026-06-21 PCI DSS: set to Yes
28. 2026-06-21 SLA Published: set to Yes
29. 2026-06-21 Data Retention Policy URL: set to https://www.marqeta.com/services-privacy
30. 2026-06-21 Documented Rate Limits: set to DiVA API: requests should not exceed 300 report requests per five-minute interv…
31. 2026-06-21 Known Restrictions: set to PCI DSS Level 1 service provider, PCI DSS 4.0.1 shared responsibility model - c…
32. 2026-06-21 Auth Methods: set to basic
33. 2026-06-21 Auth Docs URL: set to https://www.marqeta.com/docs/core-api/authentication
34. 2026-06-21 API Style: set to rest
35. 2026-06-21 Base URL: set to https://sandbox-api.marqeta.com/v3
36. 2026-06-21 API Version: set to v3
37. 2026-06-21 Versioning Scheme: set to url
38. 2026-06-21 Stability: set to ga
39. 2026-06-21 MCP URL: set to https://github.com/marqeta/marqeta-mcp
40. 2026-06-21 Quickstart URL: set to https://www.marqeta.com/docs/developer-guides/core-api-quick-start
41. 2026-06-21 Idempotency Supported: set to Yes
42. 2026-06-21 Error Format: set to vendor-specific
43. 2026-06-21 Webhook Signing: set to hmac_sha256
44. 2026-06-21 Slug: set to marqeta
45. 2026-06-21 Requires Verification: set to Yes
46. 2026-06-21 Launched At: set to 2010-01-01
47. 2026-06-21 Notable Customers: set to Square (Block), Uber, Affirm, Instacart, DoorDash, Google
48. 2026-06-21 Fields Not Found: set to per_card_fee, per_authorization_fee, interchange_revenue_share_percentage, mont…
49. 2026-06-21 Source Confidence: set to high
50. 2026-06-21 Extractor: set to claude-subagent:sonnet

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/marqeta \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

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  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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