Marqeta, Inc. announced a new AI‑driven risk scoring engine for its Real‑Time Decisioning (RTD) platform, enabling card‑issuing partners to assess transaction risk at the point of authorization and reduce fraud and false declines.
The engine analyzes more than 300 real‑time transaction attributes and compares them to historical behavioral patterns, providing a dynamic risk score that updates instantly as a transaction is processed. By integrating this capability into its existing RTD framework, Marqeta adds data‑driven insights that sharpen its fraud‑prevention accuracy and help partners maintain higher approval rates while protecting revenue.
Marqeta’s Q4 2025 results provide context for the launch: total processing volume reached $109 billion, up 36% YoY, and net revenue hit $172 million, a 27% increase. Gross profit was $120 million, up 22%, and the company posted a GAAP net loss of $1 million with adjusted EBITDA of $31 million. For the full year 2025, TPV was $383 billion, net revenue $625 million, and adjusted EBITDA $110 million, while GAAP net loss widened to $14 million. Analysts now expect Marqeta to achieve profitability in 2026, and the new AI feature is positioned to support that trajectory by driving higher transaction volumes and tighter margin control.
The AI‑powered risk score differentiates Marqeta within its RiskControl suite, which already includes KYC, 3D Secure, and dispute management. Compared to competitors such as Stripe, Adyen, Brex, and Galileo, Marqeta’s real‑time, attribute‑rich scoring offers issuers a more granular fraud assessment, allowing them to scale card programs with confidence while tightening fraud defenses.
Early pilots with key partners have shown a reduction in false declines and an increase in fraud detection rates, indicating that the new feature can translate into higher transaction volume and revenue for Marqeta’s customers. While specific adoption numbers are not yet disclosed, the company expects the enhancement to accelerate growth in its core card‑issuing business.
Analysts view the launch as a positive step toward monetizing AI capabilities and improving margins, but they continue to focus on Marqeta’s profitability guidance and the competitive landscape. The announcement aligns with the company’s strategy to strengthen its fraud‑prevention offering and support its projected path to profitability in 2026.
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