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Head-to-head · Card Issuing Platforms

HPS PowerCARD vs Marqeta

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score HPS PowerCARD #3 in Card Issuing Platforms 9.1/10 Pricing on request ✓ 4 of 6 features Visit HPS
Marqeta #4 in Card Issuing Platforms 8.9/10 Pricing on request ✓ 6 of 6 features Visit Marqeta

HPS PowerCARD leads on 0 checks, Marqeta on 0, and 6 are even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreHPS PowerCARD · 9.1/10
  • Most featuresMarqeta · 6 of 6

HPS PowerCARD scores higher on our rubric for card issuing platforms: 9.1 against 8.9 out of 10; our editors rank them #3 and #4.

HPS PowerCARD is the better fit for large banks and enterprise processors. Marqeta is the better fit for API-first enterprise card programs.

  • HPS PowerCARD fits best

    Large banks and enterprise processors

  • Marqeta fits best

    API-first enterprise card programs

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Side by side

Feature HPS PowerCARD 9.1/10 Visit ↗ Marqeta 8.9/10 Visit ↗
At a glance
Editor score 9.1 8.9
Ranking #3 in Card Issuing Platforms #4 in Card Issuing Platforms
Best for Large banks and enterprise processors API-first enterprise card programs
Pricing model Paid Paid
Starting price Pricing on request Pricing on request
Free plan Not checked yet Not checked yet
Free trial — —
Deployment Cloud, Self-hosted Cloud
Platforms Web Web
Support Email Community, Docs · 24/7
Compliance GDPR SOC 2, ISO 27001, GDPR, PCI DSS
Integrations 200+ integrations 5 integrations
Built for Mid-market, Enterprise Mid-market, Enterprise
Features HPS PowerCARD 4/6 · Marqeta 6/6
Virtual cards ✓ ✓
Physical cards ✓ ✓
Issuing API ✓ ✓
Spend controls Not checked yet ✓ (best)
Funding and balances ✓ ✓
KYC/KYB tools Not checked yet ✓ (best)
Specs
Card program support Enterprise Enterprise
Our review
Pros
  • Supports credit, debit, prepaid and corporate card portfolios
  • Offers physical and virtual cards across currencies and institutions
  • Combines fraud, disputes, collections and tokenization capabilities
  • Physical and virtual card issuance with lifecycle operations
  • Real-time authorization, funding, and configurable spend controls
  • KYC/KYB, wallets, sandbox testing, and reporting in one platform
Cons
  • Commercial terms require contacting HPS
  • Enterprise scope may exceed the needs of smaller issuers
  • Spend controls and KYC/KYB tools are not verified
  • Contact-sales pricing makes upfront cost comparison difficult
  • Enterprise-focused program support may exceed smaller project needs
  • Broad operations scope can require substantial implementation planning
Our verdict

HPS PowerCARD is a modular card and payment-processing suite for banks, financial institutions, retailers, card processors and other issuers. Its PowerCARD-Issuer component supports credit, debit, prepaid and other payment products across…

Read the review →

Marqeta is cloud-based card-issuing and payment infrastructure for businesses creating branded debit, credit, prepaid, and virtual-card products. It is designed for consumer, commercial, embedded-finance, expense-management,…

Read the review →
  1. HPS PowerCARDCard Issuing Platforms 9.1Pricing on request
  2. MarqetaCard Issuing Platforms 8.9Pricing on request

Strengths and trade-offs

  • HPS PowerCARD — where it wins

    • Supports credit, debit, prepaid and corporate card portfolios
    • Offers physical and virtual cards across currencies and institutions
    • Combines fraud, disputes, collections and tokenization capabilities

    Where it doesn't

    • Commercial terms require contacting HPS
    • Enterprise scope may exceed the needs of smaller issuers
    • Spend controls and KYC/KYB tools are not verified

  • Marqeta — where it wins

    • Physical and virtual card issuance with lifecycle operations
    • Real-time authorization, funding, and configurable spend controls
    • KYC/KYB, wallets, sandbox testing, and reporting in one platform

    Where it doesn't

    • Contact-sales pricing makes upfront cost comparison difficult
    • Enterprise-focused program support may exceed smaller project needs
    • Broad operations scope can require substantial implementation planning
  • HPS PowerCARD9.1/10 · Pricing on request

    An enterprise card-processing suite for complex, multi-product issuing programs.

    Visit HPSFull verdict →
  • Marqeta8.9/10 · Pricing on request

    An API-first platform for enterprise teams building branded physical and virtual card programs.

    Visit MarqetaFull verdict →

More comparisons

All card issuing platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update