Card database / Mastercard / Visa / White-label card issuing solution

Marqeta

Updated: Sep 15, 2026

Marqeta is modern card issuance and payment processing infrastructure for fintech companies, banks, trading platforms, wallets and large enterprises. It is not a proprietary bank card brand that general users can apply for directly. Businesses can use its API to create their own branded virtual cards, physical cards, prepaid cards, debit cards, credit cards and crypto payment cards, and configure real-time funding, spending controls, digital wallets, transaction authorization, fraud prevention and dispute handling.

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Card network
Product type: White-label card issuing solution
Card form: Virtual card / Physical card
Operating status: Active
KYC level: Business KYC / KYB
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDTUSDCBTCETH
Last updated: Sep 15, 2026

Official and company information

Issuer identity and company credentials

Marqeta, Inc., founded in 2009 and headquartered in Oakland, California, USA, is a Nasdaq-listed card issuing processing and program management technology company. Marqeta is not a bank, lender, or remittance institution; it is responsible for card creation, transaction processing, real-time authorization, program management, digital wallet tokenization, and risk control services. Legal card issuance and customer fund custody are undertaken by partner banks or licensed institutions in each region. In 2025, the platform processed approximately $383 billion and is licensed to operate in over forty countries.

Visit website Application page

Company / issuer: Marqeta
Legal name: Marqeta, Inc.
Registered region: United States (US)
Headquarters: Delaware, United States
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

A business first works with Marqeta, a partner bank, and the card network to define the card programme, issuance regions, funding structure, and compliance responsibilities. It can then use the API to create cardholders, card products, virtual cards, or physical cards. When a transaction occurs, Marqeta receives the Visa or Mastercard authorisation request and makes an authorisation decision based on the account balance, merchant, amount, region, and business settings. Just-in-Time Funding allows the business to release funds in real time as each transaction occurs. The platform supports prepaid, debit, credit, expense-management, instant-payroll, rewards, buy-now-pay-later, and crypto-spending programmes. A crypto card generally relies on a partner wallet to check and sell the user's assets before completing card-network settlement in fiat currency. Marqeta itself does not provide individuals with a unified wallet or application channel.

Mastercard / Visa card experienceRegional availabilityTerms may change

Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

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	M变体英文名：Marqeta Virtual Cards	MMarqeta Physical Cards	MMarqeta Crypto Cards
Card form	Virtual card	Physical card	Virtual card
Fees
Monthly fee	—	—	—
Card issuance fee	—	—	—
ATM fee	—	—	—
Foreign exchange fee	—	—	—
Top-up fee	—	—	—
Failed transaction fee	—	—	—
Rewards
Cashback	—	—	—
Crypto cashback	—	—	0% Custom crypto asset rewards, set by partner platform
Staking rewards	—	—	—
Staking APR	—	—	—
Welcome bonus	—	—	—
Referral bonus	—	—	—
Limits
Daily spending limit	—	—	—
Monthly spending limit	—	—	—
ATM withdrawal limit	—	—	—
Card network

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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

SwitzerlandCHLithuaniaLTHungaryHUFinlandFIEstoniaEENew ZealandNZItalyITFranceFRMaltaMTUnited KingdomGBLiechtensteinLIGreeceGRRomaniaROSingaporeSGPhilippinesPHGermanyDECzechiaCZAustriaATSlovakiaSKBrazilBRNetherlandsNLNorwayNOAustraliaAUPortugalPTIrelandIECanadaCABulgariaBGUnited StatesUSSpainESLuxembourgLULatviaLVIcelandISSwedenSECyprusCYCroatiaHRSloveniaSIBelgiumBEDenmarkDKThailandTHPolandPL

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

SyriaSYNorth KoreaKPIranIRCubaCU

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Cannot use，Marqeta is a card-issuing infrastructure provider rather than a direct consumer card product, so U.S. residents cannot apply for or use a standalone Marqeta Card; cards powered by Marqeta are offered under separate partner programs.

2. United Kingdom：Cannot apply，Cannot use，Marqeta does not offer a standalone consumer card directly to UK residents; any Marqeta-powered card must be obtained through a partner program with its own regional eligibility.

3. Canada：Cannot apply，Cannot use，Canadian residents cannot apply for a standalone Marqeta Card because Marqeta provides issuing technology to businesses rather than offering cards directly to consumers.

4. Australia：Cannot apply，Cannot use，Marqeta operates as card-issuing infrastructure rather than a consumer card provider, so Australian residents must use an eligible partner program to obtain any Marqeta-powered card.

5. South Africa：Cannot apply，Cannot use，There is no direct-to-consumer Marqeta Card for South African residents; eligibility for cards using Marqeta’s infrastructure is determined by the individual partner program.

6. New Zealand：Cannot apply，Cannot use，New Zealand residents cannot obtain a standalone Marqeta Card directly, as Marqeta enables other companies to launch their own card products.

7. Ireland：Cannot apply，Cannot use，Marqeta supports card programs for businesses across multiple jurisdictions, but Irish residents cannot directly apply for or use a standalone Marqeta Card.

Updated: Sep 15, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / US driver's license / US state ID / US passport card / US permanent resident card

Review time / regional limits

Database review can return instantly; mismatched information or business review will enter manual review.

KYC provider

Not disclosed

Updated

Aug 5, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios

Supported10

Not supported2

UpdatedAug 5, 2026

Wallet payments

Alipay

Not supported

Aug 5, 2026

Wallet payments

Apple Pay

Supported

Aug 5, 2026

Cash services

ATM withdrawal

Supported

Aug 5, 2026

AI tools

ChatGPT

Supported

Aug 5, 2026

AI tools

Claude

Supported

Aug 5, 2026

Wallet payments

Google Pay

Supported

Aug 5, 2026

AI tools

Midjourney

Supported

Aug 5, 2026

In-person payments

Offline POS

Supported

Aug 5, 2026

Online shopping

Supported

Aug 5, 2026

Wallet payments

PayPal

Supported

Aug 5, 2026

Subscriptions

Subscription payment

Supported

Aug 5, 2026

Wallet payments

WeChat Pay

Not supported

Aug 5, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 2 approved reviews matched to this card

Newest first

EggyMemestrustpilot★ 1 / 5May 27, 2026

Slow company, care hope moves faster.

Slow. Takes hours sometimes days for transactions they say will "arrive instantly" and their customer service is non existent. Like what if I just got scammed and your phone line goes "sorry we're closed bye" yall are awful

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Rich Meancetrustpilot★ 1 / 5Nov 23, 2019

Missing direct deposit

Missing direct deposit Hello , my name is Janiqua. I was Supposed to receive a direct deposit from my employer on November 19, 2019. I found a incident report claim on November 19 at 9:30 AM I never received a call back or email responding to my claim I never received a claim/incident report number that you guys keep asking for. It’s been 72 hours I’ve been calling and calling and calling I have not yet to get a response from you guys about my Direct deposit. This is not my first direct deposit that I have gotten. I have a small two-month-old baby that needs to eat I have not fed my baby in three whole days because I haven’t gotten my direct deposit from my employer three days ago. This is my only support system I have no family where I live and I have no type of support and that was my only income that I get. I don’t see why I have to keep waiting 48 hours to get my money it’s been three whole days already. And I’m trying my best to not get law-enforcement involved because I am really frustrated because I have a small baby that hasn’t eaten in 3 Days. My direct deposit was for $1154.14. From my employer Nordstrom. Again this is my only source of income and this is my only support system that I have for me and y child can you please please please please send me my money or I will be forced to get law-enforcement and I will file a lawsuit against you guys company and also cash app. I’ve talked to many different marqeta employees they keep telling me they’re going to escalate my claim it has been escalated And absolutely no one has called me yet please can someone give me a call back or please send my money to my direct cash app. I’ve already checked with my employer the information I provided for my direct deposit is correct .

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Risk factors

Updated: Aug 5, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Marqeta require KYC?

Our record lists the Marqeta verification requirement as: Business KYC / KYB. Document and review details are in the KYC section of this page.

Does Marqeta support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Marqeta with?

Our record lists Marqeta support for: USDT, USDC, BTC, and ETH.

Is Marqeta a virtual or a physical card?

Marqeta is offered as: Virtual card and Physical card.

Where is Marqeta available?

Our record lists 40 countries or regions as available and 4 as restricted. Country-by-country status is in the regions section of this page.

Who issues Marqeta?

Marqeta is operated by Marqeta on the Mastercard / Visa network.