How Marqeta’s scores are calculated

The full audit trail, recomputed from the verdict data at build time through the same code that produced the leaderboard: verdict × quality × story weight per cell, cells sum to dimension scores, dimensions blend into the PA Score. Every number on the product page is reproducible from this page alone; for why the formula looks like this, see the methodology.

verdict factors: full ×1.0 · partial ×0.6 · disputed ×0.3 · none ×0.0 · n/a excluded from both sides · cell points = weight × quality × factor · cell max = weight × 10

PA Score26/100

Agent-ready 44.2 × 0.30 = 13.26

API quality 21.7 × 0.20 = 4.34

Openness 14.4 × 0.20 = 2.88

Built-in AI 20.0 × 0.15 = 3.00

Automation 18.0 × 0.15 = 2.70

(13.26 + 4.34 + 2.88 + 3.00 + 2.70) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 26.18 ÷ 1.00 = 26.2

Scores are stored to 1 decimal; the product page’s pills round to whole numbers for display. Each dimension below shows the stories, verdicts, and cited evidence behind its number.

Agent-ready44.2/100×0.30 of the PA blend

Outside-in: can YOUR agent reach and drive this product — API, MCP, CLI, headless runs, agent docs.

Point an agent at llms.txt or agent-oriented docsweight 2

2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/cards.md“Creates a card. Create the user and card product before you create the card.”
[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“The Marqeta platform provides a sandbox environment where you can explore the capabilities of the Core API.”
[probe] https://www.marqeta.com/llms.txt“PROBE llms.txt: HTTP 404 at https://www.marqeta.com/llms.txt”
[probe] https://www.marqeta.com/docs.md“PROBE docs-md: HTTP 404 at https://www.marqeta.com/docs.md”

Run the product headlessly / in CI for automationweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“The Marqeta platform provides a sandbox environment where you can explore the capabilities of the Core API.”
[claimed-docs] https://www.marqeta.com/docs/core-api/simulations-card-transactions.md“The sandbox environments provide a set of endpoints that let you simulate various types of card network transactions, such as authorizations, reversals, and balance inquiries.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/core-api-quick-start.md“Use this tutorial to learn how to: Access the sandbox. Create the objects you use in sandbox transactions: a card product, a user, and a card. Simulate a transaction.”

Plug MCP servers into this product so it can use their toolsweight 3

n/a — not applicable to this product: excluded from numerator and denominator

[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”
[probe] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server“official MCP server documented at https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server”

Connect an agent via an official MCP serverweight 3

3 (weight) × 8 (quality) × 1.0 (full) = 24.0 of 30 max

[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Virtual card issuance: Create instant-issue virtual cards that are ready for immediate use.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Spend controls: Set customizable velocity limits, spending caps, and merchant restrictions.”
[probe] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server“official MCP server documented at https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server”

Use an official CLIweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“The Marqeta platform provides a sandbox environment where you can explore the capabilities of the Core API.”
[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“Marqeta's developer documentation includes interactive widgets that you can use to explore and test the Core API directly from your browser.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”

Drive the product through a documented public APIweight 3

3 (weight) × 8 (quality) × 1.0 (full) = 24.0 of 30 max

[claimed-docs] https://www.marqeta.com/docs/core-api/cards.md“Creates a card. Create the user and card product before you create the card.”
[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“The Marqeta platform provides a sandbox environment where you can explore the capabilities of the Core API.”
[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“Marqeta's developer documentation includes interactive widgets that you can use to explore and test the Core API directly from your browser.”
[claimed-docs] https://www.marqeta.com/docs/core-api/transactions.md“You can also retrieve transactions associated with specific cards, merchants, and account holders using the endpoints described here.”
[claimed-docs] https://www.marqeta.com/docs/core-api/webhooks.md“Webhooks are notifications about API events, sent as they occur.”
[claimed-docs] https://www.marqeta.com/docs/core-api/simulations-card-transactions.md“The sandbox environments provide a set of endpoints that let you simulate various types of card network transactions, such as authorizations, reversals, and balance inquiries.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/core-api-quick-start.md“Use this tutorial to learn how to: Access the sandbox. Create the objects you use in sandbox transactions: a card product, a user, and a card. Simulate a transaction.”
[probe] https://www.marqeta.com/openapi.json“PROBE openapi: all candidate paths 404 (https://www.marqeta.com/openapi.json, https://www.marqeta.com/swagger.json, https://www.marqeta.com/api/openapi.json, https://www.marqeta.com/.well-known/openapi.json)”

Issue scoped/least-privilege API credentials for an agentweight 2

2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max

[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Spend controls: Set customizable velocity limits, spending caps, and merchant restrictions.”
[probe] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server“official MCP server documented at https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server”

Build against official SDKsweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

[probe] https://www.marqeta.com/llms.txt“PROBE llms.txt: HTTP 404 at https://www.marqeta.com/llms.txt”
[probe] https://www.marqeta.com/docs.md“PROBE docs-md: HTTP 404 at https://www.marqeta.com/docs.md”
[probe] https://www.marqeta.com/openapi.json“PROBE openapi: all candidate paths 404 (https://www.marqeta.com/openapi.json, https://www.marqeta.com/swagger.json, https://www.marqeta.com/api/openapi.json, https://www.marqeta.com/.well-known/openapi.json)”
[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“The Marqeta platform provides a sandbox environment where you can explore the capabilities of the Core API.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/core-api-quick-start.md“Use this tutorial to learn how to: Access the sandbox. Create the objects you use in sandbox transactions: a card product, a user, and a card. Simulate a transaction.”

Subscribe to events via webhooksweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/webhooks.md“Webhooks are notifications about API events, sent as they occur.”

Agent-ready = 79.6 ÷ 180 × 100 = 44.2

API quality21.7/100×0.20 of the PA blend

The programmable surface once an agent is there — machine-readable spec, interactive docs, sandbox, versioning discipline.

Explore an interactive API reference with runnable examplesweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“The Marqeta platform provides a sandbox environment where you can explore the capabilities of the Core API.”
[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“Marqeta's developer documentation includes interactive widgets that you can use to explore and test the Core API directly from your browser.”
[claimed-docs] https://www.marqeta.com/docs/core-api/simulations-card-transactions.md“The sandbox environments provide a set of endpoints that let you simulate various types of card network transactions, such as authorizations, reversals, and balance inquiries.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/core-api-quick-start.md“Use this tutorial to learn how to: Access the sandbox. Create the objects you use in sandbox transactions: a card product, a user, and a card. Simulate a transaction.”
[probe] https://www.marqeta.com/openapi.json“PROBE openapi: all candidate paths 404 (https://www.marqeta.com/openapi.json, https://www.marqeta.com/swagger.json, https://www.marqeta.com/api/openapi.json, https://www.marqeta.com/.well-known/openapi.json)”

Download a machine-readable API spec (OpenAPI or equivalent)weight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

[probe] https://www.marqeta.com/openapi.json“PROBE openapi: all candidate paths 404 (https://www.marqeta.com/openapi.json, https://www.marqeta.com/swagger.json, https://www.marqeta.com/api/openapi.json, https://www.marqeta.com/.well-known/openapi.json)”
[probe] https://www.marqeta.com/llms.txt“PROBE llms.txt: HTTP 404 at https://www.marqeta.com/llms.txt”
[probe] https://www.marqeta.com/docs.md“PROBE docs-md: HTTP 404 at https://www.marqeta.com/docs.md”

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 8 (quality) × 1.0 (full) = 8.0 of 10 max

[claimed-docs] https://www.marqeta.com/docs/core-api/introduction.md“The Marqeta platform provides a sandbox environment where you can explore the capabilities of the Core API.”
[claimed-docs] https://www.marqeta.com/docs/core-api/simulations-card-transactions.md“The sandbox environments provide a set of endpoints that let you simulate various types of card network transactions, such as authorizations, reversals, and balance inquiries.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/core-api-quick-start.md“Use this tutorial to learn how to: Access the sandbox. Create the objects you use in sandbox transactions: a card product, a user, and a card. Simulate a transaction.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”

Rely on versioned APIs with a documented deprecation policyweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

[probe] https://www.marqeta.com/openapi.json“PROBE openapi: all candidate paths 404 (https://www.marqeta.com/openapi.json, https://www.marqeta.com/swagger.json, https://www.marqeta.com/api/openapi.json, https://www.marqeta.com/.well-known/openapi.json)”
[probe] https://www.marqeta.com/llms.txt“PROBE llms.txt: HTTP 404 at https://www.marqeta.com/llms.txt”
[probe] https://www.marqeta.com/docs.md“PROBE docs-md: HTTP 404 at https://www.marqeta.com/docs.md”

API quality = 15.2 ÷ 70 × 100 = 21.7

Openness14.4/100×0.20 of the PA blend

Can you leave, inspect, or self-host — data export, open source, portability.

Do everything through the API that I can do in the UIweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/cards.md“Creates a card. Create the user and card product before you create the card.”
[claimed-docs] https://www.marqeta.com/docs/core-api/velocity-controls.md“Limits how much and how frequently a user can spend funds. If multiple velocity controls apply to the same user, the user cannot exceed any of the defined spending limits.”
[claimed-docs] https://www.marqeta.com/docs/core-api/authorization-controls.md“Limit where a user can make transactions to a single merchant or group of merchants.”
[claimed-docs] https://www.marqeta.com/docs/core-api/transactions.md“You can also retrieve transactions associated with specific cards, merchants, and account holders using the endpoints described here.”
[claimed-docs] https://www.marqeta.com/docs/core-api/disputes-mastercard.md“Create a new dispute case by specifying the type and including the type-specific details object.”
[claimed-docs] https://www.marqeta.com/docs/core-api/webhooks.md“Webhooks are notifications about API events, sent as they occur.”
[claimed-docs] https://www.marqeta.com“Dynamic spend controls”
[claimed-docs] https://www.marqeta.com“Issue virtual cards”
[claimed-docs] https://www.marqeta.com“PCI widgets”
[probe] https://www.marqeta.com/openapi.json“PROBE openapi: all candidate paths 404 (https://www.marqeta.com/openapi.json, https://www.marqeta.com/swagger.json, https://www.marqeta.com/api/openapi.json, https://www.marqeta.com/.well-known/openapi.json)”

Export all of my data in open formats and leaveweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

[probe] https://www.marqeta.com/llms.txt“PROBE llms.txt: HTTP 404 at https://www.marqeta.com/llms.txt”
[probe] https://www.marqeta.com/docs.md“PROBE docs-md: HTTP 404 at https://www.marqeta.com/docs.md”
[probe] https://www.marqeta.com/openapi.json“PROBE openapi: all candidate paths 404 (https://www.marqeta.com/openapi.json, https://www.marqeta.com/swagger.json, https://www.marqeta.com/api/openapi.json, https://www.marqeta.com/.well-known/openapi.json)”
[claimed-docs] https://www.marqeta.com/docs/core-api/transactions.md“You can also retrieve transactions associated with specific cards, merchants, and account holders using the endpoints described here.”

Read the product's source under an open licenseweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Self-host the core productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Openness = 7.2 ÷ 50 × 100 = 14.4

Built-in AI20.0/100×0.15 of the PA blend

Inside-out: how agentic the product itself is for its users — built-in assistants, autonomous features.

Get AI-generated insights and suggestions from my data inside the productweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Virtual card issuance: Create instant-issue virtual cards that are ready for immediate use.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Spend controls: Set customizable velocity limits, spending caps, and merchant restrictions.”

Set up automations that run autonomously in the backgroundweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/webhooks.md“Webhooks are notifications about API events, sent as they occur.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/configuring-gateway-jit-funding.md“Your system receives funding requests and approves or denies them using your own business rules.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Virtual card issuance: Create instant-issue virtual cards that are ready for immediate use.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Spend controls: Set customizable velocity limits, spending caps, and merchant restrictions.”
[probe] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server“official MCP server documented at https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server”

Delegate tasks to a built-in AI assistant inside the productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Operate the product with natural-language commandsweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Virtual card issuance: Create instant-issue virtual cards that are ready for immediate use.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Spend controls: Set customizable velocity limits, spending caps, and merchant restrictions.”
[probe] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server“official MCP server documented at https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server”

Built-in AI = 12.0 ÷ 60 × 100 = 20.0

Automation18.0/100×0.15 of the PA blend

Depth of automation primitives — rules, scheduling, bulk operations, webhooks.

Perform bulk operations across many items at onceweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

[claimed-docs] https://www.marqeta.com/docs/core-api/cards.md“Creates a card. Create the user and card product before you create the card.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Use the Marqeta MCP Server with your own AI agents to query data from a designated set of Marqeta's Core API endpoints.”
[claimed-docs] https://www.marqeta.com/docs/developer-guides/agentic-ai-mcp-server.md“Virtual card issuance: Create instant-issue virtual cards that are ready for immediate use.”

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

[claimed-docs] https://www.marqeta.com/docs/developer-guides/configuring-gateway-jit-funding.md“Your system receives funding requests and approves or denies them using your own business rules.”
[claimed-docs] https://www.marqeta.com/docs/core-api/velocity-controls.md“Limits how much and how frequently a user can spend funds. If multiple velocity controls apply to the same user, the user cannot exceed any of the defined spending limits.”
[claimed-docs] https://www.marqeta.com/docs/core-api/authorization-controls.md“Limit where a user can make transactions to a single merchant or group of merchants.”
[claimed-docs] https://www.marqeta.com/docs/core-api/webhooks.md“Webhooks are notifications about API events, sent as they occur.”

Schedule recurring jobs or workflowsweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Version, review, and roll back my automationsweight 1

1 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 10 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Automation = 10.8 ÷ 60 × 100 = 18.0