Marqeta
Marqeta is a modern card-issuing and embedded-finance platform. The Core API is a large RESTful surface covering cards, users, businesses, GPA orders, KYC/KYB, fee transfer, transactions, real-time decisioning, MCC groups, programs, and webhooks. The Diva (Digital Wallets, Tokenization, 3DS) API extends the Core API.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Marqeta the way a machine reads it — 99 machine-readable artifacts across 81 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Marqeta scores 48.8/100 (developing), with a separate agent-readiness read of 54/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Marqeta
Each block below is one kind of artifact we hold for Marqeta. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 81
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Marqeta Webhooks
Outbound HTTP webhook delivery for card events, authorization requests, advice messages, transactions, and account events.
Marqeta Risk Controller / Real-Time Decisioning
Synchronous webhook-style HTTP endpoint customers expose for Marqeta to call during card authorization for approve/decline decisions.
Marqeta accepted countries API
The accepted countries API from Marqeta — 2 operation(s) for accepted countries.
Marqeta Account API
The Account API from Marqeta — 2 operation(s) for account.
Marqeta Account Bundle Transitions API
The Account Bundle Transitions API from Marqeta — 2 operation(s) for account bundle transitions.
Marqeta Account Cards API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the account cards endpoints to create and retrieve credit cards that can...
Marqeta Account Documents API
The Account Documents API from Marqeta — 3 operation(s) for account documents.
Marqeta account holder groups API
The account holder groups API from Marqeta — 2 operation(s) for account holder groups.
Marqeta Account Refunds API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the account refunds endpoints to create and retrieve account refunds on ...
Marqeta Account Rewards API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the `/credit/accounts/{account_token}/rewards` endpoint to create a one-...
Marqeta Account Signup Bonus API
The Account Signup Bonus API from Marqeta — 1 operation(s) for account signup bonus.
Marqeta Account Transitions API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the account transitions endpoints to create and retrieve account transit...
Marqeta Accounts API
The Accounts API from Marqeta — 1 operation(s) for accounts.
Marqeta AccountUsers API
The AccountUsers API from Marqeta — 1 operation(s) for accountusers.
Marqeta Adjustments API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the adjustments endpoints to create and retrieve account adjustments on ...
Marqeta Admin API
The Admin API from Marqeta — 5 operation(s) for admin.
Marqeta auth controls API
The auth controls API from Marqeta — 4 operation(s) for auth controls.
Marqeta auto reloads API
The auto reloads API from Marqeta — 2 operation(s) for auto reloads.
Marqeta Balance Refunds API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the credit balance refunds endpoint to issue a credit balance refund on ...
Marqeta bank transfers API
The bank transfers API from Marqeta — 4 operation(s) for bank transfers.
Marqeta bulk issuances API
The bulk issuances API from Marqeta — 2 operation(s) for bulk issuances.
Marqeta Bundles API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] The bundles feature on Marqeta's credit platform enables you to create and m...
Marqeta business transitions API
The business transitions API from Marqeta — 3 operation(s) for business transitions.
Marqeta businesses API
The businesses API from Marqeta — 10 operation(s) for businesses.
Marqeta Card Group API
The Card Group API from Marqeta — 2 operation(s) for card group.
Marqeta card products API
The card products API from Marqeta — 2 operation(s) for card products.
Marqeta card transitions API
The card transitions API from Marqeta — 3 operation(s) for card transitions.
Marqeta cardholder balances API
The cardholder balances API from Marqeta — 3 operation(s) for cardholder balances.
Marqeta cards API
The cards API from Marqeta — 11 operation(s) for cards.
Marqeta chargebacks API
The chargebacks API from Marqeta — 9 operation(s) for chargebacks.
Marqeta commando modes API
The commando modes API from Marqeta — 4 operation(s) for commando modes.
Marqeta Credit Account Disputes API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the credit account disputes endpoints to create and manage disputes on a...
Marqeta Credit Accounts API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the credit accounts endpoints to create and manage accounts on Marqeta's...
Marqeta Credit Products API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] [IMPORTANT] This feature is deprecated and replaced by credit product polici...
Marqeta Credit Substatuses API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Credit substatuses can be applied to credit accounts or credit account holde...
Marqeta Delinquency API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the delinquency endpoints to retrieve details on a credit account's deli...
Marqeta Depositaccounts API
The Depositaccounts API from Marqeta — 1 operation(s) for depositaccounts.
Marqeta Digital Wallets Management API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] The Marqeta platform facilitates the use of digital wallets for storing toke...
Marqeta direct deposit accounts API
The direct deposit accounts API from Marqeta — 9 operation(s) for direct deposit accounts.
Marqeta direct deposits API
The direct deposits API from Marqeta — 5 operation(s) for direct deposits.
Marqeta fee charges API
The fee charges API from Marqeta — 3 operation(s) for fee charges.
Marqeta fee refunds API
The fee refunds API from Marqeta — 1 operation(s) for fee refunds.
Marqeta Feedback API
The Feedback API from Marqeta — 1 operation(s) for feedback.
Marqeta Fees API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] // This source file is used by InfoDev to generate API reference documentati...
Marqeta funding sources API
The funding sources API from Marqeta — 20 operation(s) for funding sources.
Marqeta gpa orders API
The gpa orders API from Marqeta — 4 operation(s) for gpa orders.
Marqeta Internal - BIN Pools API
The Internal - BIN Pools API from Marqeta — 2 operation(s) for internal - bin pools.
Marqeta Journal Entries API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the journal entries endpoints to retrieve journal entries made on an <
Marqeta kyc API
The kyc API from Marqeta — 4 operation(s) for kyc.
Marqeta Ledger Entries API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] [IMPORTANT] ==== This feature is deprecated and replaced by journal entries....
Marqeta Loads API
Retrieve funding load transaction data at a specified aggregation level. Covers all load types including ACH, push-to-card, and program transfers.
Marqeta mcc groups API
The mcc groups API from Marqeta — 2 operation(s) for mcc groups.
Marqeta merchantgroups API
The merchantgroups API from Marqeta — 2 operation(s) for merchantgroups.
Marqeta Migrations API
The Migrations API from Marqeta — 3 operation(s) for migrations.
Marqeta Payment Schedules API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the payment schedule endpoints to create and retrieve payment schedules ...
Marqeta Payment Sources API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the payment sources endpoint to link an external payment source to an <<...
Marqeta Payments API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the payments endpoints to create and retrieve payments made on a <
Marqeta peer transfers API
The peer transfers API from Marqeta — 5 operation(s) for peer transfers.
Marqeta ping API
The ping API from Marqeta — 1 operation(s) for ping.
Marqeta PINs API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the `/pins` endpoint to create, update, or reveal a personal identificat...
Marqeta Policies API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] The Marqeta credit platform's policies feature enables you to customize the ...
Marqeta Program Balances API
Retrieve program funding balance data for financial reconciliation. Includes beginning and ending bank balances, amounts to send, and settlement details aggregated over configur...
Marqeta Program Gateways API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the Credit Program Gateways endpoints to create, retrieve, and update Pr...
Marqeta Program Reserve API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the Program Reserve API to retrieve program reserve account balances and...
Marqeta Program Transfers API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] A program transfer moves funds from an account holder's general purpose acco...
Marqeta ProgramFunding API
The ProgramFunding API from Marqeta — 2 operation(s) for programfunding.
Marqeta push to card API
The push to card API from Marqeta — 4 operation(s) for push to card.
Marqeta Real-Time Fee Groups API
Marqeta enables you to assess fees in real time through the use of real-time fee groups. A real-time fee group is a collection of fees associated with an account holder group (a...
Marqeta Refunds API
The Refunds API from Marqeta — 1 operation(s) for refunds.
Marqeta Rewards API
The Rewards API from Marqeta — 1 operation(s) for rewards.
Marqeta simulate API
The simulate API from Marqeta — 10 operation(s) for simulate.
Marqeta Spaces API
The Spaces API from Marqeta — 3 operation(s) for spaces.
Marqeta Statements API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Use the statements endpoints to retrieve statement information or statement ...
Marqeta Transactions API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] // This source file is used by InfoDev to generate API reference documentati...
Marqeta User Transitions API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] // This source file is used by InfoDev to generate API reference documentati...
Marqeta Users API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] // This source file is used by InfoDev to generate API reference documentati...
Marqeta Velocity Controls API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] A velocity control limits how much users can spend. You can configure veloci...
Marqeta Velocity Controls Card Group Balance API
The Velocity Controls Card Group Balance API from Marqeta — 1 operation(s) for velocity controls card group balance.
Marqeta Views API
View endpoints provide programmatic access to aggregated platform data derived from card program activity. Each view represents a specific dataset such as transactions, balances...
Marqeta web push provisioning API
The web push provisioning API from Marqeta — 1 operation(s) for web push provisioning.
Marqeta Webhooks API
// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] Webhooks are notifications about API events, sent as they occur. The Marqeta...
Scroll within the panel for all 81 ·
Open Collections 2
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Core API
OPEN COLLECTIONMarqeta DiVA API
OPEN COLLECTIONGraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Marqeta GraphQL Schema
This conceptual GraphQL schema represents the Marqeta card-issuing and payment processing platform. Marqeta's Core API is a RESTful surface, and this schema captures an equivale...
GRAPHQLPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Marqeta Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Marqeta Finops
FINOPSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Marqeta Webhooks
Marqeta delivers real-time event notifications to a developer-configured HTTPS endpoint when specific events occur within a card program. Each program supports up to five active...
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Marqeta Context
JSON-LDSpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Marqeta API Rules
SPECTRALMarqeta API Rules
SPECTRALJSON Schema 3
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Security Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Marqeta — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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