specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Marqeta
providerId: marqeta
created: '2026-05-08'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-08, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-08'
reconciled: true
tags:
- FinTech
- BaaS
- Card Issuing
- Payments
- Embedded Finance
- FinOps
- FOCUS
description: 'Marqeta bills under bespoke contracts: platform minimums, per-transaction
  fees, card production, interchange share, premium service fees.'
notes: Invoiced via Marqeta. Use program-level reporting endpoints to attribute costs.
sources:
- https://www.marqeta.com/
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Marqeta, Inc.
serviceCategory: FinTech
billingModel:
  pricingCategory: Negotiated
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Marqeta
  ServiceCategory: Card Issuing
  ProviderName: Marqeta
  PublisherName: Marqeta
  InvoiceIssuerName: Marqeta
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
- name: transactions
  description: Card transactions processed.
  unit: transaction
  aggregation: sum
  dimensions:
  - program
  - card_product
- name: cards_issued
  description: Cards produced (physical / virtual).
  unit: card
  aggregation: sum
  dimensions:
  - program
  - card_product
- name: interchange
  description: Interchange revenue share.
  unit: USD
  aggregation: sum
  dimensions:
  - program
principles:
- name: Visibility
  description: Pull program-level reports from Marqeta's reporting endpoints and invoices.
- name: Allocation
  description: Tag transactions by card_product and business unit.
- name: Optimization
  description: Right-size card products; align RTD timeouts to lower decline costs.
- name: Accountability
  description: Program owners review monthly fees against contract minimums.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com