Innovators consistently face a crucial challenge when engaging diverse audiences: pick the reliability and scale of legacy consumer engagement tools, or the breakthrough innovation needed for commercial payment solutions. Why not both?

Organizations have been conditioned to operate with separate platforms for B2C loyalty and B2B expense management, limiting their ability to see a complete picture of their payment ecosystem caused by a fragmented back end. This division creates complexity, duplicates effort, and forces businesses to compromise on a cohesive brand experience.

Marqeta’s modern card issuing platform eliminates this compromise. It is engineered to support both consumer and commercial payment solutions from a single, end-to-end platform infrastructure. This approach allows enterprises to maintain agility and scale while delivering specialized payment experiences for their end users.

By leveraging one API-first platform for all payment needs, businesses can unlock new revenue streams, while reducing the time-to-market and consolidating the operational burden of managing multiple vendors. The result is deeper customer relationships built on boosted engagement, higher transaction frequency, and an increased share of wallet.

Engaging Consumers and Driving Loyalty

To build lasting consumer relationships, companies must offer more than just a product. They need to provide value that integrates into a customer’s daily life. Marqeta’s platform enables companies to embed financial services directly into their user experience, turning payments into a powerful tool for engagement and growth.

This can be achieved through a suite of flexible solutions:

• Modern Digital Banking*: Provide customers with a seamless way to store funds, make payments, and access financial tools within your branded environment. This increases platform stickiness and makes your brand an essential part of their routine.
• Flexible and Rewarding Credit: Launch co-branded credit cards that reinforce your brand with every purchase. Embed customized rewards delivered instantly, capturing a greater share of wallet and boosting customer lifetime value.
• Buy Now, Pay Later: Remove purchase barriers by offering flexible installment options at checkout. Increase conversion rates and average order values, while giving customers budget-friendly payment flexibility that drives repeat purchases and builds long-term loyalty.
• Integrated Stored Value: Give customers a simple way to pay using stored funds, which can reduce checkout friction, save abandoned carts, and power exclusive rewards programs that drive repeat business.

For instance, a global retailer can use the Marqeta platform to launch a co-brand credit card that offers instant cashback on purchases, deposited directly into a branded digital wallet. The same platform allows that same customer to split a large purchase into interest-free installments, providing financial flexibility at the point of sale. This creates a cohesive, value-driven experience without the complexity of managing multiple vendors.

Streamlining Commercial Operations

On the commercial side, efficiency, control, and cash flow optimization are paramount. Legacy systems often create friction, with slow reconciliation processes and limited visibility into corporate spending.

Marqeta provides the tools to modernize these operations, embedding payment solutions that enhance control and unlock new efficiencies for your B2B customers, such as:

• Automated Expense Management: Issue virtual or physical cards with dynamic spend controls that programmatically enforce company policies. This automates reconciliation, reduces fraudulent spending, and gives finance teams real-time visibility into every transaction.
• Optimized Supplier Payments: Simplify accounts payable by replacing manual check payments with virtual cards. This can lower processing costs, improve security, and better control over cash flow with just-in-time funding capabilities.
• Tailored Commercial Credit: Deliver flexible financing solutions to business customers, integrated directly into your platform. By leveraging transaction-level data, you can offer tailored credit and capital solutions that help your customers grow.

Consider a large marketplace that needs to manage both corporate travel expenses and contractor payouts. Using Marqeta, the company can issue virtual cards to employees with pre-set spending limits for flights and hotels, streamlining expense reporting. Simultaneously, it can use the same platform to pay its global network of contractors instantly, improving satisfaction and operational efficiency, all managed through a single integration.

The Power of an All-in-One Platform

A unified, end-to-end platform for managing both consumer and commercial solutions makes compromise unnecessary. By unifying your payment infrastructure with a single platform, you gain a holistic view of your business, reduce operational overhead and total cost of ownership, and help accelerate time to market for new products. Marqeta offers a solid foundation for today's demands, along with the modular flexibility to innovate for the future.

*Marqeta is not a bank. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.