Comparison · 2026 edition
Enfuce vs Marqeta: card issuing compared 2026.
Enfuce and Marqeta side by side in the Card Issuing Index 2026: scores, evidence, published facts and awards.
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Enfuce and Marqeta side by side in the Card Issuing Index 2026: scores, evidence, published facts and awards.
In the Card Issuing Index, Marqeta scores higher overall: 3.1 out of 5 (63 out of 100) against 3.0 (59), ranking 2 and 4 of 11. Marqeta also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Enfuce | Marqeta |
|---|---|---|
| Score out of 5 | 3.0 | 3.1 |
| Score out of 100 | 59 | 63 |
| Overall rank | 4 of 11 | 2 of 11 |
| For fintechs and e-money firms (out of 100) | 59, rank 5 | 62, rank 2 |
| For expense and B2B payment platforms (out of 100) | 55, rank 4 | 59, rank 2 |
| For banks and lenders (out of 100) | 63, rank 3 | 67, rank 2 |
| Type | Card issuing processor and BIN sponsor | Card issuing processor |
Each score with the evidence behind it.
| Criterion | Enfuce | Marqeta |
|---|---|---|
| Card range | 5/5 Physical, virtual, tokenised, prepaid, debit and credit cards published. | 5/5 Virtual, physical, tokenised, debit, prepaid and credit cards published. |
| Published pricing | 1/5 Fee structure described without figures. | 0/5 Not published on the pages read. |
| Issuing countries | 3/5 UK and EEA published. | 5/5 40+ countries published; no country list. |
| Integration | 3/5 API and sandbox; no self-serve sign-up or stated launch time. | 3/5 API and private sandbox; no self-serve sign-up or launch time published. |
| Regulatory standing | 3/5 Own e-money licences and PCI DSS Level 1; SOC 2 not published. | 3/5 SOC 2 Type 2 published; PCI DSS without level and an e-money licence without a named regulator count as half. |
| Programme support | 2/5 BIN sponsorship and programme management published; KYC, fraud and dispute services not described on the pages read. | 2/5 Programme management and UK and EU BIN sponsorship published; KYC, fraud and dispute services not described on the pages read. |
Each criterion is scored 0 to 5 against the best published offer in the Card Issuing Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Enfuce | Marqeta |
|---|---|---|
| Card range | "Physical, virtual and tokenised cards, single- or multi-use" across prepaid, debit and credit; digital wallet compatibility built in. | "Physical, virtual, and tokenized cards"; prepaid and debit programmes, and credit programmes for consumers and businesses; flexible credentials let one card work as debit, credit or buy now pay later. |
| Pricing | Three fees described without figures: a one-time implementation fee, a fixed monthly service fee and "a volume-based fee that follows active cards and usage". | Not published on the pages read. |
| Issuing countries | Programmes "launch and scale across the UK and EEA from one base". | "40+ countries certified to operate"; no country list on the pages read. |
| Integration | Real-time APIs, developer documentation and a sandbox; no self-serve sign-up. Example migration: "500,000+ card customers from Santander in under seven months". | Open APIs with 370+ endpoints, real-time webhooks and a private sandbox for testing and simulating transactions; no self-serve sign-up or launch time published. |
| Regulatory standing | "A dual-regulated EMI authorised by the UK FCA and Finnish FSA"; principal member of Visa and Mastercard "since 2017"; PCI DSS Level 1. SOC 2 not stated. | Trust Center lists ISO/IEC 27001, PCI DSS (level not stated), PCI 3DS, SOC 1 Type 2 and SOC 2 Type 2. States it is not a bank; bank partners not named. TransactPay, now acquired, is described as an "E-Money Institution and BIN Sponsor" in the UK and EEA; regulator not named. |
| Programme support | BIN sponsorship under its own licences (Enfuce License Services in the EEA, Enfuce UK in the UK), handling programme submission, approval and network compliance. Named clients include Pleo, Swile and Avida. | Programme management support "from planning through execution"; UK and EU card programme management through TransactPay. Platform figures: $400B+ processed in the four quarters to 30 June 2026 and 99.99% uptime in 2025. Named clients include Klarna and Affirm. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Enfuce: regulatory standing, integration and programme support.
Not published or not stated by Marqeta: pricing, integration, regulatory standing and programme support.
Facts read on 26 October 2026 from: enfuce.com/faqs, enfuce.com/platform/cards, docs.enfuce.com/guides/the-essentials/…; and marqeta.com/platform/card-issuing, trust.marqeta.com, marqeta.com/blog/…, marqeta.com/uk/demystifying-cards-guide/….
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
UK and EEA programmes wanting issuing and BIN sponsorship from one firm.
Large programmes needing high volumes across many countries.
Tell us what you need and where you operate.