# Marqeta MCP > Marqeta MCP manages your entire card issuing infrastructure through natural conversation. Your agent can provision physical or virtual cards, create new business accounts, manage user lifecycle states, control funding sources via ACH and GPA orders, and run payment simulations for complex fintech workflows. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** card-issuing, fintech-api, virtual-cards, payment-infrastructure, gpa-orders ## Description Managing a modern payments platform involves dozens of moving parts—user provisioning, fund transfers, card status updates, and compliance checks. Instead of navigating multiple dashboards or writing custom API calls every time you need to onboard a new client or issue a batch of cards, this MCP handles it all. Your agent speaks the language of payment infrastructure, allowing you to manage everything from creating a core business entity to funding an account with a simple prompt. When you connect this specialized capability through Vinkius, you get one single access point to execute complex financial actions without writing any code. It's about getting the job done, fast and accurately. ## Tools ### create_ach_funding_source Establishes a new source for Automated Clearing House (ACH) funds. ### create_auth_control Sets up specific controls to manage transaction authorizations. ### create_business Registers and creates a new business entity within Marqeta. ### create_card_product Defines the rules and parameters for an entire type of payment card that can be issued. ### create_card Generates a single, specific physical or virtual card for use. ### create_card_transition Moves an existing card to a new operational status (e.g., from Active to Suspended). ### create_direct_deposit_transition Updates the status of a direct deposit record. ### create_gpa_order Initiates an order to transfer funds into a user's General Purpose Account (GPA). ### create_payment_card_funding_source Sets up a source specifically for funding payment cards. ### create_pin_control_token Creates a secure token used to manage and control card PINs. ### create_program_funding_source Sets up funding sources for an entire payment program. ### create_user Registers and creates a new user account holder in the system. ### create_user_transition Changes a user's overall status (e.g., Active to Closed). ### create_velocity_control Implements rules that limit how frequently an account can be used. ### create_webhook Creates a webhook endpoint to receive automated notifications from Marqeta. ### get_balances Retrieves the current financial balance for either a user or a business account. ### get_business Fetches all details about an existing Marqeta business using its unique token. ### get_card Retrieves specific information and status for a single card by its token. ### get_direct_deposit Fetches the details of a recorded direct deposit transaction. ### get_user Retrieves all data associated with a specific user account token. ### list_cards_by_user List all cards for a specific user ### list_users List Marqeta users ### perform_kyc Perform KYC verification for a user ### ping_webhook Ping a webhook ### provision_apple_pay Provision a card for Apple Pay ### provision_google_pay Provision a card for Google Pay ### reveal_pin Reveal a card PIN ### simulate_authorization Simulate an authorization ### simulate_clearing Simulate a clearing transaction ### simulate_reversal Simulate a reversal ### update_pin Set or update a card PIN ## Prompt Examples **Prompt:** ``` List the last 10 users registered in my Marqeta environment. ``` **Response:** ``` I've retrieved the users. Here are the most recent 10 account holders, including 'John Doe' (Token: user_abc123) and 'Jane Smith' (Token: user_xyz789). ``` **Prompt:** ``` Issue a new virtual card for user token 'user_888' using card product 'prod_999'. ``` **Response:** ``` Processing card issuance... Success! A new virtual card has been created for user_888. The card token is 'card_555666' and it is currently active. ``` **Prompt:** ``` Fund $50.00 USD to user 'u_789' from funding source 'fs_000'. ``` **Response:** ``` Creating GPA order... The funding of $50.00 USD to user u_789 was successful. Order token: gpa_order_12345. ``` ## Capabilities ### Provisioning User Accounts Create new business entities or individual users needed for card program enrollment. ### Issuing and Managing Cards Generate physical or virtual payment cards, and define the specific product rules that govern how those cards can be spent. ### Funding Accounts & Compliance Move money into General Purpose Accounts (GPA) using ACH funding sources and perform necessary KYC verification checks. ### Monitoring Account Status Retrieve the current balances, card details, or full history for any user or business token. ### Simulating Financial Transactions Test complex payment flows by simulating authorizations, clearings, and reversals before making live transactions. ## Use Cases ### Onboarding a New Merchant Account A Payments Operations Manager needs to bring a new merchant online. They ask their agent to first 'create_business', then run 'perform_kyc' on the entity, and finally 'get_balances' to verify initial funding readiness. ### Re-issuing Cards for Deactivated Users A developer needs to replace a lost card. They ask their agent to first identify all cards belonging to the user using 'list_cards_by_user', and then execute 'create_card' with the correct product rules. ### Executing Scheduled Funding Runs The finance team needs to ensure funds are ready for a large batch of users. They instruct their agent to check balances using 'get_balances', and then use 'create_gpa_order' for every account that falls below the minimum threshold. ### Debugging Payment Failures A developer encounters a payment failure in testing. They ask their agent to retrieve the specific card details using 'get_card', and then use 'simulate_reversal' to understand what went wrong without impacting live funds. ## Benefits - Automate full onboarding cycles. Instead of manually creating accounts and then running KYC checks, your agent handles the entire process by executing 'create_business' followed immediately by 'perform_kyc', saving dozens of clicks. - Simplify card provisioning. You can define a new payment structure using 'create_card_product' once, and then instantly issue multiple physical or virtual cards using 'create_card' without repeating the setup steps. - Handle complex funding logic. Need to top off an account? Your agent manages it by first checking balances with 'get_balances', and then initiating a transfer via 'create_gpa_order'. - Test payment flows safely. Before going live, you can use tools like 'simulate_authorization' or 'simulate_clearing' to test transaction logic without spending real money. - Manage account status changes instantly. Instead of logging into the UI and clicking a dropdown, your agent executes transitions—like using 'create_user_transition' or 'create_card_transition'—to change states immediately. ## How It Works The bottom line is that you get to manage complex financial workflows through plain conversation, eliminating manual API calls and dashboard switching. 1. Subscribe to the Marqeta MCP and provide your required Marqeta Application Token, Admin Access Token, and Base URL (Sandbox or Production). 2. Your agent connects these credentials to the Vinkius ecosystem, granting it access to the full range of card issuing tools. 3. You simply tell your agent what you need—for example, 'Fund user X' or 'Issue a new virtual card for Y'—and it executes the necessary sequence of actions. ## Frequently Asked Questions **How do I list all users using the Marqeta MCP?** You use the 'list_users' tool to retrieve a list of all registered user tokens. This is useful for bulk operations or auditing who has access. **What does 'create_gpa_order' do in Marqeta MCP?** The 'create_gpa_order' tool initiates a funding transaction, moving money into an account holder's General Purpose Account (GPA). This is the primary way to fund user accounts. **Can I add Apple Pay support using Marqeta MCP?** Yes. You use 'provision_apple_pay' to link a card token to Apple Pay, making the physical or virtual card usable in that ecosystem. **How does 'simulate_authorization' work with this MCP?** This tool lets you test how a payment will behave without actually moving money. It simulates an authorization request so you can validate your application logic safely before going live. **I need to change a user from Active to Suspended; which tool do I use?** You should use the 'create_user_transition' tool. This ensures that the state change is logged correctly and applied system-wide, preventing operational errors.