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

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Marqeta

Updated: Aug 5, 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
Mastercard / Visa
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
USDT / USDC / BTC / ETH
Last updated
Aug 5, 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.
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.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Marqeta crypto card issuance solution
Marqeta physical card issuance solution
Marqeta crypto payment card solution
Card formVirtual cardPhysical cardVirtual 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 China applicability

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

40
SwitzerlandCHLithuaniaLTHungaryHUFinlandFIEstoniaEENew ZealandNZItalyITFranceFRMaltaMTUnited KingdomGBLiechtensteinLIGreeceGRRomaniaROSingaporeSGPhilippinesPHGermanyDECzechiaCZAustriaATSlovakiaSKBrazilBRNetherlandsNLNorwayNOAustraliaAUPortugalPTIrelandIECanadaCABulgariaBGUnited StatesUSSpainESLuxembourgLULatviaLVIcelandISSwedenSECyprusCYCroatiaHRSloveniaSIBelgiumBEDenmarkDKThailandTHPolandPL
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

4
SyriaSYNorth KoreaKPIranIRCubaCU
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆:个人不能直接向 Marqeta 申请;未公布面向中国大陆企业的标准发卡项目,境外已发行卡可在受理商户使用,但受发卡计划及跨境风控限制。

2、香港:个人不能直接向 Marqeta 申请;当地企业卡片项目须经商务、合作银行和卡组织审批,境外已发行卡可在 Visa 或 Mastercard 商户使用。

3、澳门:个人不能直接向 Marqeta 申请;当地没有统一公开发卡入口,已通过其他地区计划发行的卡片可在合资格受理商户正常消费。

4、台湾:个人不能直接向 Marqeta 申请;当地企业项目须单独审批,境外已发行卡可用于线上和线下消费,但可能受到国家及商户限制。

Updated: Aug 5, 2026

Policies may change at any time. Verify the latest issuer policy.

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

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

User reviews

Showing 2 approved reviews matched to this card

Newest first
EggyMemestrustpilot1 / 5

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
View original
Rich Meancetrustpilot1 / 5

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 .
View original

Risk factors

Updated: Aug 5, 2026

No risk factors are available