Riskified and card issuance platform Marqeta announced a partnership to integrate Riskified’s pre-authorization risk intelligence directly into Marqeta’s modern card issuing platform, according to a corporate statement issued on August 6, 2026. The collaboration aims to help card issuers make more accurate authorization decisions, approve more legitimate e-commerce transactions, and reduce false declines across Marqeta’s issuing portfolio.
The Cost of False Declines in E-Commerce
Erroneous rejections remain a costly challenge in online retail. According to a 2023 study by PYMNTS Intelligence and Nuvei cited in the announcement, false declines put roughly 157 billion dollars in U.S. online sales at risk, with 81 billion dollars ultimately lost even after shoppers attempt subsequent payments. Issuers typically evaluate transactions without a comprehensive view of the relationship between the merchant and the consumer, leading them to reject legitimate orders alongside fraudulent ones.
How the Integration Works
Through the new partnership, Riskified will feed enriched pre-authorization risk insights—derived from its global merchant transaction network—straight into Marqeta’s platform. According to Riskified, this setup grants issuers additional context before a transaction hits the authorization phase, helping them separate trustworthy buyers from fraudulent activity more effectively than standard transactional data allows. Marqeta integrates these insights to power its predictive AI risk scoring model.
“Marqeta has developed the platform modern card issuers scale on: flexible, API-driven, and built for speed,” Jeff Otto, chief marketing officer at Riskified, stated in the release. “By combining that with Riskified’s global risk insights, issuers using Marqeta’s platform no longer have to choose between accepting good customers and managing risk effectively.”
Anthony Peculic, interim chief product officer at Marqeta, added that the integration gives clients a stronger risk management toolkit. “Marqeta continuously refines its risk management tools to stay ahead of fraud, and integrating Riskified’s pre-authorization risk insights into our real-time decision-making offering gives our clients a better risk management toolkit that has proven to increase authorization rates, reduce false declines, and lower chargebacks,” Peculic stated.
Measured Impact on Authorization Rates
Both companies pointed to previous deployments to illustrate the partnership’s potential. Over a 30-day period, a major U.S. card issuer leveraging Riskified’s merchant network data increased authorization rates for a ticketing vendor, a gaming operator, and an online retailer by 5,9 %, 1,4 % and 1,6 % respectively, while cutting false declines by 25 % among certain Riskified merchants. On the merchant side, sportswear retailer Lorna Jane reported that its bank authorization rate climbed from 82 % to 95 % after adopting Riskified’s pre-authorization decisioning system, alongside a reduction of more than 90 % in chargebacks.
Marqeta operates in more than 40 countries and processed nearly 400 billion dollars in total payment volume in 2025, according to company data. Riskified, traded on the New York Stock Exchange under the ticker RSKD, continues to provide AI-powered fraud protection and revenue-growth solutions for enterprise merchants worldwide.
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