Unit vs Marqeta
Unit and Marqeta compete in the same bracket: coverage, certifications and integration time-to-market decide it. On compliance Marqeta documents more certifications (2 vs 0). In our editorial rating Marqeta leads (4.8 vs 4.2). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Unit | Marqeta | |
|---|---|---|
| Tier | A | S |
| Rating | ★ 4.2 | ★ 4.8 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Not disclosed | Interchange share |
| Card networks | Visa, Mastercard | Visa, Mastercard |
| Card types | virtual, physical, debit, credit, prepaid | virtual, physical, debit, credit, prepaid |
| Fiat rails | ACH, Wire | ACH, Wire |
| SDK | TypeScript, Node.js, React, React Native, Python | 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 | OCC / FDIC (via partner banks) | FCA (UK); CFPB / state regulators (US); EU local regulators |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Spread | — | 50–200 bps |
| Stablecoins | — | USDC |
| Customer type | — | Fintech, Enterprise, Platforms |
| Certifications | — | SOC2-T2, PCI-DSS-L1 |
| Processed volume | — | $84B |
| Currencies | — | USD, EUR, GBP |
| Regions | US | US, EU/EEA, UK, APAC |
| Licences & safety | N/A | FCA |
Frequently asked questions
Unit vs Marqeta: which is better?
Unit and Marqeta compete in the same bracket: coverage, certifications and integration time-to-market decide it. On compliance Marqeta documents more certifications (2 vs 0). In our editorial rating Marqeta leads (4.8 vs 4.2). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Is Unit custodial or self-custody?
Unit is self-custody: you keep the keys, while Marqeta is self-custody.