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国际资讯基于互联网平台的金融业务投融资

数字支付创企Marqeta获4500万美元D轮融资

在支付创企Adyen公布了自己的10亿美元IPO计划后,该领域的另一家数字支付公司完成了一轮巨额融资。这就是奥克兰创企Marqeta,它和企业合作为它们提供与银行卡相关的业务,包括基于银行卡的即时支付,以及提出自己品牌的信用卡等。近日它完成了Iconiq领投的4500万美元D轮融资。

Marqeta表示自己计划利用这笔融资来开发更多解决方案,同时将业务推向国际。

“我们非常欢迎ICONIQ Capital和高盛集团的加入,这两家公司深刻地理解金融技术和支付领域的创新。随着我们运营规模的扩大和进军国际的步伐,我们很期待它们能为我们带来的贡献。”Marqeta的创始人兼首席执行官Jason Gardner说道。

巧的是,Iconiq正好是Adyen的主要投资者之一。

其它参与本轮的投资人包括高盛集团和一些匿名的现有投资人,公司的现有投资人包括Visa、Max Levchin、CommerzVentures和83North等。

这次宣布的融资使得Marqeta的融资总额达到了1.16亿美元,尽管公司没有公开自己的估值,但一位发言人也确认了公司的估值比之前更高。有相关估计表明,公司的交易前估值已经达到了5亿美元,交易后可能会达到5.4亿美元。

本轮融资正值公司的快速发展阶段:它表示自己的支付量在过去六个月里翻了一倍多,今年实体卡业务比去年增加了4被,客户数量也在2017年实现了翻倍。

“Marqeta无疑是实体卡发行领域的市场领导者,我们很高兴能在它们实现巨大发展的同时与它们合作。在同行业里,Marqeta的实体卡发行技术是最先进的,另外它们还有一支优秀的领导团队。”ICONIQ Capital的合伙人Will Griffith说道。

Gardner是一位连续创业者,他的公司PropertyBridge被MoneyGram收购后,他就成了后者的一位高管。

Marqeta已经和Visa、万事达、Discover建立了合作,从而为大量的企业提供支付服务。

On the heels of payment processing startup Adyen  pricing its IPO in Europe to raise $1 billion, another startup working in the area of digital payment processing has raised a significant growth round. Marqeta, a startup out of Oakland that works with businesses for payment-card related services, including instant card-based payments and issuing their own branded credit cards, has raised $45 million led by Iconiq.

Marqeta says it plans to use its Series D to keep focussing on developing more solutions, as well as take its business international.

“We’re excited to bring aboard ICONIQ Capital and Goldman Sachs, who deeply understand innovation in financial technology and payments,” said Marqeta founder and CEO Jason Gardner in a statement. “We look forward to their contributions to Marqeta as we continue to scale operations and expand our footprint around the world.”

By coincidence, Iconiq happens to be one of Adyen’s major backers, too.

Other investors participating in this round, a Series D extension, include Goldman Sachs and other, unnamed existing investors. (Those previous backers include Visa,  which led the original Series D of $25 million; Max Levchin whose business Affirm is a customer; CommerzVentures; 83North and more.)

The round being announced today brings Marqeta’s total funding to $116 million, and while the company is not disclosing its valuation, a spokesperson confirmed that it was at a higher number than before. When it looked like Marqeta was raising only an additional $40 million earlier this year, PitchBook estimated the pre-money valuation for this round at $500 million with a post-money of $540 million.

However, it appears that the round was oversubscribed after a strong period of growth for the company: it says payment volume more than doubled in last six months, with its virtual card business is on pace to grow 4 times this year, and its customer base doubling in 2017.

“Marqeta is the clear market leader in modern card issuing, and we’re thrilled to be part of their already phenomenal growth story,” said Will Griffith, partner at ICONIQ Capital, in a statement. “They have the most advanced card issuing technology in the category, and they have assembled an extraordinary team of industry leaders.” Gardner, for one, is a repeat (and successful) entrepreneur, previously working as an executive at MoneyGram after it acquired his previous company, PropertyBridge.

The startup has partnerships with Visa, MasterCard and Discover to provide both payment services to a wide range of businesses that work in marketplace environments where payments are taken from one party, transferred via a second, and then eventually made to a third.

These include e-commerce businesses such as Square,  Instacart and DoorDash; as well as others working in other kinds of financial transactions that need instant turnarounds, such as loan platforms like Kabbage and Klarna. The second big area of Marqeta’s business is focused on card issuing, providing customised card services to companies that issue cards (physical or virtual) to their customers.

It’s also been working with Visa on developing payment technologies. As with another fast-growing payments startup, Stripe,  Marqeta positions itself as “developer friendly.” The company provides many of its payment processing services via API and one big focus is to streamline and improve the security around each transaction.

It’s also been expanding its presence across the digital payments landscape, launching a Digital Wallet SDK for Apple Pay and Google Pay, Marqeta.js, and Marqeta’s Virtual Card Wizard, making it easier for businesses to build more customised card experiences for their users.


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