Cross River Bank vs Marqeta
Cross River Bank and Marqeta compete in the same bracket: coverage, certifications and integration time-to-market decide it. For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Cross River Bank | Marqeta | |
|---|---|---|
| Tier | A | S |
| Rating | ★ 4.4 | ★ 4.8 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Interchange share | Interchange share |
| Card networks | Visa, Mastercard | Visa, Mastercard |
| Card types | debit, credit, prepaid | virtual, physical, debit, credit, prepaid |
| Fiat rails | ACH, Wire | ACH, Wire |
| Stablecoins | USDC | USDC |
| Certifications | SOC2-T2, PCI-DSS-L1 | SOC2-T2, PCI-DSS-L1 |
| SDK | curl, Node.js, Python, Ruby, Go | Node, Python, Java, .NET |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | US, EEA, UK, APAC · 150+ countries |
| Regulator | FDIC / NJ Dept. of Banking and Insurance | FCA (UK); CFPB / state regulators (US); EU local regulators |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Past incidents | 2023 FDIC consent order for unsafe lending practices | — |
| Spread | — | 50–200 bps |
| Customer type | — | Fintech, Enterprise, Platforms |
| Processed volume | — | $84B |
| Currencies | — | USD, EUR, GBP |
| Regions | US | US, EU/EEA, UK, APAC |
| Licences & safety | Bank Charter | FCA |
Frequently asked questions
Cross River Bank vs Marqeta: which is better?
Cross River Bank and Marqeta compete in the same bracket: coverage, certifications and integration time-to-market decide it. For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Is Cross River Bank custodial or self-custody?
Cross River Bank is self-custody: you keep the keys, while Marqeta is self-custody.