6B are trusted engineering partners specialising in card payments and embedded finance, delivering robust connectivity with Marqeta’s open APIs, webhooks, and modern payments infrastructure. From initial solution design and compliance readiness through to build, testing, deployment, and ongoing optimisation, we ensure your platform integrates smoothly and reliably with Marqeta’s card issuing and processing ecosystem.
Our mission is to help organisations innovate rapidly, launch new financial products, and scale card-based payments with confidence.
Understanding Marqeta Integration
Marqeta is a modern card issuing and payments processing platform that enables real-time, highly configurable card programmes. It supports virtual and physical cards, digital wallet tokenisation, JIT (Just-in-Time) Funding, dynamic authorisation logic, card controls, spend rules, fraud monitoring, and advanced transaction insights. Its API-first architecture makes it ideal for fintech disruption, embedded finance models, neobanking, and high-growth financial products.
Marqeta’s integration model centres on RESTful APIs and webhook-driven event handling. Your system can issue cards, configure user programmes, manage KYC onboarding, approve or decline transactions dynamically, and process authorisation events in real-time. The platform supports tokenisation for Apple Pay, Google Pay, and other digital wallets, alongside partner integrations for KYC, AML, fraud scoring, and identity verification.
To maintain compliance and operational resilience, Marqeta integrations require strong authentication, secure API communication, structured error handling, and adherence to PCI DSS requirements where applicable. A well-designed integration enables seamless user experiences, intelligent spend control, and scalable card management workflows that support rapid product evolution.
Our Marqeta Integration Process
Our Marqeta integration process begins with an in-depth discovery phase, where we work with your operational, regulatory, and technical teams to define your card programme’s functional, compliance, and experience goals. We map your requirements to Marqeta’s capabilities — including card issuing, funding models, user onboarding, programme controls, and transaction authorisation workflows — ensuring your integration aligns with platform constraints and scheme rules.
During solution design, we define a secure integration architecture that leverages Marqeta’s APIs, webhooks, and hosted solutions. This involves designing card issuance flows, KYC/KYB processes, JIT funding routes, card tokenisation steps, spend control logic, and exception handling. We also define how your back-office, ledger, CRM, or customer app will interact with Marqeta services.
Development leverages 6B’s reusable component library, including API client modules, webhook processors, authentication handlers, and event routing pipelines. These components support rapid delivery while maintaining resilience and best-practice security. Throughout the build, we incorporate robust logging, monitoring, and state management to handle high-volume, real-time card activity.
Testing involves simulating card issuance, authorisation events, funding flows, declines, disputes, and edge cases to ensure your integration behaves reliably across a full range of scenarios. We coordinate with Marqeta during onboarding and certification steps to ensure compliance with scheme and platform standards. After deployment, we implement monitoring dashboards, alerting, and reconciliation workflows to maintain system stability and visibility.
We also provide long-term optimisation and maintenance to keep your integration aligned with Marqeta’s evolving API features, regulatory changes, and new card programme requirements.
Benefits of Marqeta Integration
Integrating with Marqeta provides fast, flexible, and developer-friendly card issuing capabilities that support modern financial products. Real-time authorisation and dynamic spend controls enable personalised financial experiences, instant decisioning, and granular risk management. Automated card issuance and tokenisation streamline customer onboarding, allowing users to receive virtual cards instantly and add them to digital wallets within minutes.
Marqeta integration reduces operational burden by automating funding, ledger synchronisation, transaction monitoring, and dispute management. Its API-driven architecture enables rapid product iteration, making it ideal for fintechs and embedded finance providers seeking to differentiate through advanced card controls, reward programmes, or tailored credit and debit solutions.
From a compliance and security perspective, Marqeta supports strong authentication, encrypted communication, event-level auditing, and PCI DSS alignment. This helps organisations maintain safe card operations while scaling to high transaction volumes.
As your business grows, Marqeta’s global infrastructure, partner ecosystem, and real-time controls support international expansion, increased payment velocity, and the rapid rollout of new card features.
Why Choose 6B for Marqeta Integration?
We have hands-on experience integrating with card issuing platforms, payment processors, and real-time transaction systems using secure, API-first architectures.
Our reusable components — including webhook handlers, authorisation logic, and API clients — accelerate delivery and ensure robust, scalable performance.
We understand card scheme rules, PCI DSS requirements, fraud controls, and regulatory expectations for onboarding and payments.
Our integrations incorporate strong encryption, authentication, access control, audit logging, and monitoring to maintain security and compliance.
6B provides an end-to-end service, from architecture and development to testing, deployment, and long-term optimisation, ensuring future-ready Marqeta connectivity.
Marqeta Integration FAQs
What can Marqeta be used for?
What can Marqeta be used for?
Marqeta enables virtual and physical card issuing, real-time authorisation, spend controls, tokenisation for digital wallets, JIT funding, and transaction monitoring. It is widely used by fintechs, neobanks, lenders, and platforms offering embedded finance products.
Do we need to be PCI DSS compliant to integrate with Marqeta?
Do we need to be PCI DSS compliant to integrate with Marqeta?
It depends on your architecture. Marqeta handles sensitive card data, reducing PCI scope, but some use cases — such as handling PANs or storing card details — may require additional PCI DSS measures. We help assess and design the correct compliance approach.
How does Marqeta support real-time transaction decisioning?
How does Marqeta support real-time transaction decisioning?
Marqeta uses webhooks and Just-in-Time (JIT) Funding to allow your system to approve, decline, or adjust transactions instantly. We design webhook handlers and decisioning logic to ensure fast, reliable responses.
Can Marqeta integration support both virtual and physical cards?
Can Marqeta integration support both virtual and physical cards?
Yes. Marqeta supports issuing virtual cards instantly and producing physical cards through approved manufacturers. We integrate both into your onboarding and customer management workflows.
Does Marqeta support Apple Pay and Google Pay?
Does Marqeta support Apple Pay and Google Pay?
Yes. Marqeta provides tokenisation APIs that allow cards to be added to Apple Pay, Google Pay, and other wallets. We integrate these flows into your customer experience, including device provisioning and authentication steps.
What testing is required for a Marqeta integration?
What testing is required for a Marqeta integration?
Testing includes card issuance, authorisation events, JIT funding, declines, disputes, webhooks, and edge cases. We also coordinate with Marqeta during onboarding and ensure your solution meets their operational and compliance standards.
Can the integration handle high transaction volumes?
Can the integration handle high transaction volumes?
Absolutely. Marqeta is designed for large-scale, real-time card programmes. We build integrations with high throughput, resilient queues, retry logic, and monitoring to ensure stability during peak usage.
Do you provide ongoing support after launch?
Do you provide ongoing support after launch?
Yes. We offer continuous monitoring, optimisation, webhook management, security updates, and adjustments to support new Marqeta releases, card programme changes, and regulatory updates.
Estimate the Cost of Your Marqeta Integration Project
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Thank you for your request! 🙌 We will review your project and get back to you within 24 hours to share a ballpark estimate.
Want to speak to someone today? Call 6B on 0113 350 1290.
Readiness Checklist for Marqeta Integration
- Define your card programme goals (virtual cards, physical cards, JIT funding, spend controls, rewards, embedded finance).
- Confirm your regulatory requirements and whether KYC/KYB, AML checks, or PCI DSS controls are needed.
- Identify how your users will onboard and how identity verification will be handled.
- Document integration flows for card issuance, authorisation, funding, notifications, and transactions.
- Decide how card tokenisation (Apple Pay, Google Pay) will be incorporated into your user journey.
- Prepare architectural diagrams showing how your core systems will interact with Marqeta APIs and webhooks
Speak To Our Marqeta Integration Experts
Whether you're developing a new digital financial services product or extending an existing solution with Marqeta integration, 6B brings the technical expertise, financial services insight, and experience needed to accelerate delivery.
