Marqeta
API-first card issuing and embedded payments infrastructure for businesses.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- Marqeta, Inc.
- Entity type
- COMPANY
- Founded
- 2010
- Headquarters
- 180 Grand Avenue, 6th Floor, Oakland, California 94612
- Company size
- 501–1,000
- Market role
- B2B SaaS Provider
- Ticker
- MQ
- Official website
- marqeta.com
What Marqeta does
Marqeta operates a B2B payments infrastructure model. It provides cloud software, APIs and operational tooling that let customers launch and run card and embedded finance programmes without building issuer processing and programme management infrastructure themselves. Value is created through programmable issuing, real-time controls, banking partner connectivity and operational dashboards, while revenue scales with customer transaction volume and adoption of additional software modules.
Category differentiation
Marqeta is not a consumer bank or wallet app. It is B2B infrastructure for businesses that issue and manage payment and card products, competing more with payment infrastructure providers than with end-user banking brands.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
Marqeta is a US-based public fintech infrastructure company that provides API-first card issuing, payment processing and embedded finance software to businesses. Its platform enables fintechs, enterprises, marketplaces, banks and software platforms to launch and manage debit, credit, prepaid, virtual and commercial card programmes, with real-time transaction authorisation, spend controls, reporting and risk tooling. The company makes money primarily from transaction-driven economics tied to card usage on its platform, including interchange sharing and processing fees, supplemented by platform fees, implementation charges and premium modules. Its customers are not end consumers but businesses building financial products or embedding payment capabilities into their own applications and workflows.
Company news briefing
Briefing updated:
Marqeta recently appointed Lukasz Strozek as Chief Technology Officer, a leadership transition occurring alongside the company's operational expansion across Europe via the Klarna Debit Card. Financial filings for the period ending March 2026 indicate a focus on evolving credit solutions, supported by internal research highlighting shifts in consumer and small business credit behaviours. These developments underscore Marqeta’s continued focus on scaling its global infrastructure and modernising credit offerings for financial service providers.
Business model & monetisation
Marqeta uses a mixed monetisation model centred on transaction-based fintech infrastructure revenue. The primary revenue streams are interchange revenue sharing and per-transaction processing fees tied to card spend and payment volume. Secondary revenue comes from implementation and setup fees, recurring platform fees, and premium software features such as fraud, compliance, reporting and programme controls. Larger customers may receive tiered or volume-based pricing.
- Interchange revenue sharing
- Percentage take-rate on card spend
- Transaction processing fees
- Usage-based payment processing fees
- Platform and recurring software fees
- SaaS / software subscription
- Implementation and setup fees
- Service and onboarding fees
- Premium modules such as risk and compliance
- Add-on software fees
Products & capabilities
No products with linked sources are available in this view.
Products & market categories
Competitors & alternatives
- Global Payments
Merchant payments and commerce software for businesses worldwide.
- Edenred
Specialised payment platforms for employee benefits, mobility and B2B finance.
- Visa
Global payments network and enterprise transaction infrastructure provider.
- Worldline
European payment infrastructure and merchant acquiring provider.
- MANGOPAY
Payment infrastructure for marketplaces and platform businesses.
Side-by-side comparisons
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
BVNK and Marqeta partner to power stablecoin-card infrastructure
Recorded impact score: 4/5
Marqeta announces a partnership with BVNK to power stablecoin-card infrastructure, along with other recent announcements including a new Google collaboration, a CPO appointment, and Q2 2026 financial results.
8-K Financial Filing Analysis for Marqeta (2026-08-25)
financials · Recorded impact score: 3.8/5
On August 25, 2026, Marqeta, Inc. announced the appointment of Eugenia Gibbons as Chief Product Officer (CPO), effective August 31, 2026. Ms. Gibbons brings senior executive experience from Intuit, SoFi Technologies, BBVA, and Bank of America, bringing deep expertise in consumer money management and digital banking. In her new role, she will lead Marqeta's product organization and oversee the expansion of its modern card issuing and embedded finance capabilities.
- Eugenia Gibbons was appointed Chief Product Officer effective August 31, 2026, after serving as General Manager of Consumer Money Business at Intuit and SVP at SoFi.
- Compensation includes an annual base salary of $475,000, a 75% target annual incentive bonus, a $250,000 one-time sign-on bonus, $8,075,000 in RSUs vesting over 3 years, and $1,425,000 in PSUs.
Explore company relationships
Questions about Marqeta
What is Marqeta?
Marqeta is a public B2B payments infrastructure company that provides API-first card issuing, transaction processing and embedded finance software.
Who uses Marqeta?
Fintechs, enterprises, marketplaces, banks, software platforms and consumer brands use Marqeta to launch and manage card and payment programmes.
How does Marqeta make money?
Marqeta makes money mainly through interchange sharing, transaction processing fees, recurring platform fees, setup charges and premium product add-ons.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
15 publicly documented primary sources and citations linked across the market graph.
Continue your research on Marqeta
Explorer includes additional company details, a Watchlist for up to 25 companies and your personal Strategic Intelligence Agent. It monitors your market daily and delivers tailored briefings with clear strategic context whenever relevant news occurs.
Free, with no time limit.