B4B Payments vs Marqeta
Different commercial models: B4B Payments prices per-transaction, Marqeta interchange-share — real cost depends on your volumes. On compliance Marqeta documents more certifications (2 vs 1). In our editorial rating Marqeta leads (4.8 vs 4.3). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| B4B Payments | Marqeta | |
|---|---|---|
| Tier | A | S |
| Rating | ★ 4.3 | ★ 4.8 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Per transaction | Interchange share |
| Spread | 0 bps | 50–200 bps |
| Per-card fee | $0.00 virtual · $0.00 physical | — |
| Card networks | Mastercard, Visa | Visa, Mastercard |
| Card types | virtual, physical, prepaid | virtual, physical, debit, credit, prepaid |
| Settlement time | T+1 | — |
| Fiat rails | SWIFT | ACH, Wire |
| Certifications | PCI-DSS-L1 | SOC2-T2, PCI-DSS-L1 |
| Processed volume | $0 | $84B |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| KYC | Full | Full |
| Supported countries | EEA, UK, US · 50+ countries | US, EEA, UK, APAC · 150+ countries |
| Regulator | FCA | FCA (UK); CFPB / state regulators (US); EU local regulators |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Stablecoins | — | USDC |
| Customer type | — | Fintech, Enterprise, Platforms |
| SDK | — | Node, Python, Java, .NET |
| Currencies | — | USD, EUR, GBP |
| Regions | EU/EEA, UK, US | US, EU/EEA, UK, APAC |
| Licences & safety | EMI | FCA |
Frequently asked questions
B4B Payments vs Marqeta: which is better?
Different commercial models: B4B Payments prices per-transaction, Marqeta interchange-share — real cost depends on your volumes. On compliance Marqeta documents more certifications (2 vs 1). In our editorial rating Marqeta leads (4.8 vs 4.3). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Is B4B Payments custodial or self-custody?
B4B Payments is self-custody: you keep the keys, while Marqeta is self-custody.