Marqeta report says consumers prefer flexible payment credentials
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AI-assisted source synthesis · not an independent investigation.
On October 19, 2026, Payments Dive cited Marqeta's *2026 State of Credit Report*, reporting that 67% of consumers would be willing to replace their primary debit card with a flexible payment credential. This product is a single payment card that can switch payment methods at checkout, supporting debit, a line of credit, BNPL installments, or combined funding. The report also said that 71% of consumers who hold multiple credit cards want to switch credit products, while 60% of small and midsize businesses are interested in flexible payment orchestration. The report noted that issuers deploying such products would need to support multiple payment types, real-time decision-making, and dynamic credential switching through a single API.
AI-written from reports · updated 57 minutes ago
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- Payments DiveMarqeta report: 67% of consumers would switch their primary debit card, why issuers should offer flexible payment credentials
Marqeta's 2026 State of Credit Report shows that 67% of consumers would replace their primary debit card with a flexible payment credential, and issuers should evaluate offering this product. The single payment card can switch at checkout between debit, credit lines, BNPL installments, or pooled funds, while 71% of consumers with multiple credit cards want to switch between credit products. Delivering this requires a single API that supports multiple payment types, real-time decisioning, and dynamic credential switching, with 60% of SMBs interested in flexible payment orchestration.
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