Marqeta

Marqeta, founded in 2009 and headquartered in Oakland, California, is a card issuing platform that provides open API infrastructure for businesses looking to embed financial services. Through its cloud-native platform, companies can issue virtual and physical cards, authorize transactions in real time and build payment programs at global scale, with processing spanning more than 40 countries and annual volume of over $290 billion. The platform reports 99.99% uptime and volume growth of 80 times since 2017.

The company's core product is its modern card issuing platform, supported by features including Just-in-Time funding, which provides flexibility and control over card funding, and dynamic spend controls, which allow configurable limits on card spending. PCI-compliant widgets offer pre-built components for building payment experiences. Marqeta's technology covers open API infrastructure, real-time transaction authorization, embedded finance and payment infrastructure, and serves verticals ranging from financial services and fintech to ride-hailing, food delivery, digital banking, lending and e-commerce.

Marqeta operates as a flexible-first organisation, with employees distributed across the United States and Europe. The company describes an emphasis on developer experience and platform reliability in its engineering culture.