Precise spend controls with real-time data

Reinvent and streamline business spend management

The challenge

Monitoring and managing business expenditures

Achieving and maintaining visibility into—and control of—expenses is an ongoing struggle for many businesses. At the same time, the financial leaders of these businesses are underwhelmed by the spend-management tools currently available to them. What they’re demanding are seamless, customized spend-management experiences that won’t frustrate them to the point of abandoning the product. Here’s what they’re up against.

No real-time visibility or control

Your business customers want to see and have control of—at a granular level—each and every business transaction

No full spend-management experience

Businesses struggle to get the full picture of their expenses, establish spend controls, and set up account hierarchies

Lack of simplified spend reconciliation

Businesses want a differentiated solution that offers in-depth transaction data to make expense reconciliation easy

Lack of rewards for business expenses

81% of business travelers want their company to offer financial incentives for saving the company money on travel expenses ¹

The Solution

Embedded finance delivers greater spend visibility and controls

Real-time insights, detailed spend data, precise spend controls, and more secure Just-in-Time Funding authorizations. This is customized expense management, all seamlessly built into your brand's ecosystem to give customers granular control over their business spend.

Maximize growth while managing risk

Attract business customers with embedded spend-management solutions that reinforce your value proposition

Retain customers with a sticky product

Create stickier relationships with business customers by offering flexible spend-management with greater control

Generate new revenue streams

Earn interchange to reinvest back into the business with the funding model that works best for you and your customers

Partner with a trusted category leader

Our fully scaled platform and program management services have numerous proof points for solving for spend management

Why now

Business expense management is ripe for disruption. Embedded finance has the solve.

Poor visibility into transactions

46% of CFOs surveyed say they lack full visibility into spend data across their own companies, and embedded finance can fix that ²

Businesses need the right tools to manage their spend

40% of employees input their expenses the old-school way—manually—which is inefficient, outdated, and a bad compliance practice ³

Expense tools for corporate travel still feel too rigid

Only 63% of travel and finance managers either “strongly” or “somewhat” agree that they have the tools they need to create the nuanced, dynamic expense policies that today’s travel environment demands ³

Why Marqeta

Our proven solutions

Powerful data at the ready

Get the rich, real-time data you’ve been longing for to finally have better spend oversight and simplified spend reconciliation.

Granular spend controls

Define how, where and when spend happens—from utilizing pre-set fraud-management rules to integrating with your own business logic.

Better customer experiences

Get all the tools you'll need to deliver a truly modern, digital customer experience that is seamlessly integrated with your existing software.

You don’t need to have all the answers. Let’s figure it out together.

Let us help you see if these embedded finance solutions are right for your customers. Seamlessly integrate them within your customers’ businesses to transform their expense-management experiences and save them time, money, and frustration like never before—all to accelerate your growth as well as theirs.

Get started

Explore more ways embedded finance can boost your business

Access to Business Capital 

Employee Financial Needs

Acquisition and Loyalty

1. Navan, The State of Corporate Travel and Expense 2023

2. The Strategic CFO: Maintaining a Competitive Edge, Coupa, 2023

3. Navan, The State of Corporate Travel and Expense 2024

The challenge

Monitoring and managing business expenditures

No real-time visibility or control

Your business customers want to see and have control of—at a granular level—each and every business transaction

No full spend-management experience

Businesses struggle to get the full picture of their expenses, establish spend controls, and set up account hierarchies

Lack of simplified spend reconciliation

Businesses want a differentiated solution that offers in-depth transaction data to make expense reconciliation easy

Lack of rewards for business expenses

81% of business travelers want their company to offer financial incentives for saving the company money on travel expenses ¹

Reinvent and streamline business spend management

Monitoring and managing business expenditures