When it comes to payments, retailers have long been told they must choose. They could have the stability of a legacy provider OR the agility of a modern fintech. They could achieve global scale OR cater to local nuance. They could maintain strict compliance OR foster creative innovation. This outdated “either/or” mindset forces a compromise, limiting the ability of forward-thinking retailers to build the payment experiences their customers and workers demand.
But what if you didn’t have to choose? Marqeta was founded on the principle that payments should empower business, not restrain it. Marqeta’s modern, API-first platform is engineered to deliver the best of both worlds. It provides the robust, enterprise-grade infrastructure of a legacy issuer, combined with the flexibility and speed of a cloud-native tech leader. This is the power of AND, a new standard for payments that helps eliminate trade-offs and unlocks possibility.
Stability AND Speed
For large retailers and high-growth innovators, operational excellence is non-negotiable. You need a rock-solid infrastructure that can handle immense transaction volumes smoothly. Simultaneously, you must move at the speed of the market, launching new products and features in months, not years.
Marqeta’s platform provides this unique combination. Marqeta is globally certified to operate in over 40 countries. This gives you the confidence to scale, backed by the rigorous compliance and security standards that enterprises require. Because Marqeta’s platform is cloud-native, API-first, and comes with a customizable UX toolkit, you gain the control to build and iterate quickly. This means you can design, test, and deploy new embedded payment solutions with unmatched efficiency, reducing risk and accelerating your time to market.
Compliance AND Creativity
Regulatory complexity should not stifle innovation. Marqeta’s platform provides programmatic tools to set policies, monitor spending, and manage risk in real time. This foundation of control helps your teams to focus on creating value, not navigating red tape.
Consider the challenge of building a modern supplier management program. With Marqeta, a company can issue customized physical or virtual cards with dynamic spending controls that automatically helps to enforce company policy. This simplifies reconciliation and helps reduce fraud, while paying suppliers instantly. Or imagine embedding rewards directly into a transaction. Instead of a delayed points deposit, your customers can receive instant, relevant offers at the moment of purchase, deepening engagement and growing loyalty. These experiences are possible when compliance and creativity work together.
Global Reach AND Local Nuance
Expanding into new markets requires more than just processing different currencies. It demands an understanding of local payment behaviors and preferences, plus having relationships with partner entities like banks and Electronic Money Institutions (EMIs). Marqeta’s modular architecture allows you to build tailored payment solutions that resonate with diverse customer bases around the world, and built-in relationships with card networks and sponsor banks.
Whether you need to issue debit, credit, or prepaid cards, our end-to-end platform gives you the flexibility to meet specific market needs without building separate systems or relying on a hodgepodge of payments providers. With Marqeta, you gain the global reach to support your ambitions and the tools to deliver a localized experience.
A Partner for What’s Next
Ultimately, achieving your goals requires more than just a provider; it demands a partner. Marqeta works with you to craft solutions using modular products, tailored to your specific business needs. With Marqeta, you get a payments platform built to scale with your vision, delivering results for your business today and for what you build tomorrow.
By removing the false choice between scale and agility, Marqeta empowers you to build the future of payments. The next step is to explore how these capabilities translate into specific solutions.
