Marqeta Features Online-To-Offline Pre-Pay Loyalty Platform

Marqeta, provider of the Marqeta online-to-offline payments and commerce platform, is featuring the pre-pay loyalty payment solution at the NRF Big Show. Inspired by merchant-specific loyalty platforms that reward consumers with points and/or products for paying in advance, the Marqeta platform allows participating retailers to offer more spending money to shoppers who commit dollars before stepping into their stores. The “pay up front and get more” model helps retailers attract consumers and encourage repeat visits, without requiring new POS hardware or loyalty software.

Consumers keep unlimited merchant accounts on one payment card ― the Marqeta Card ― which they use ongoing for all platform transactions. Through or the mobile app, consumers load money into retailer-specific accounts, which automatically receive merchants’ reward money. Marqeta technology knows where the consumer is spending and how much money to debit from a merchant account.

Merchants receive consumer funds when the Marqeta Card is swiped at POS. Because Marqeta processes the transactions, it generates relevant transaction and engagement data that it shares with merchant partners.


“We based our technology on two key hypotheses: that consumers will always be more loyal to their own money than to any given brand,” said Jason Gardner, Founder and CEO of Marqeta, in a press release, and that “merchants will always be willing to reward shoppers who commit dollars before they walk in the door.”

In December 2012, Marqeta, merchants and other business organizations in the Oakland, Calif., area launched Explore Oakland, a Marqeta-led program offering consumers an extra 25% to spend at Oakland’s best restaurants ― when paying online in advance.

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