# Marqeta — API Agent Score

> Score: 77/100 (Grade: B) | Domain: marqeta.com | Rubric: 1.0.0 | Checked: July 24, 2026

Marqeta scored 77/100 (B), classified "partially-ready".

[View full report](https://www.postman.com/ai/ai-ready-apis/company/marqeta)
[All organizations](https://www.postman.com/ai/ai-ready-apis/llms.txt)

## Summary

- Overall: 77/100 (B)
- Classification: partially-ready

## Category Scores

- API Design: 96/100 (A+)
- Developer Experience: 44/100 (F)
- Agent Discovery: 90/100 (A+)
- Agent Understanding: 85/100 (A)
- Agent Usability: 73/100 (B)

## Check Results

### API Design

- [pass] Machine-readable, versioned contract — Versioning declared (info.version="0.0.1") and url-versioning detected. Investigated: spec 100%, docs 100%.
- [pass] Auth declared & discoverable — authentication documented in the docs site at https://www.marqeta.com/docs/core-api/3ds. Investigated: docs 100%, spec 50%.
- [warn] Schema coverage & depth — Medium parameter complexity (avg 0 params/op; nested/body schemas present). Investigated: spec 83%, sdk 81%.
- [pass] Security & governance hygiene — No credential-shaped strings detected in spec. Investigated: spec 100%, wellknown 0%.
- [pass] Example coverage — 50% example coverage (target 80%+). Investigated: spec 100%, sdk 100%, docs 0%.

### Developer Experience

- [pass] Changelog published — changelog documented in the docs site at https://www.marqeta.com/docs/developer-guides/release-notes. Investigated: spec 100%, docs 100%, sdk 100%.
- [warn] Description completeness — 242/309 operations lack a description. Investigated: sdk 22%, spec 0%.
- [fail] Self-service developer portal — No signup page detected across conventional paths (/signup, /sign-up, /register, /get-started, /console/signup, /dashboard/signup, /try, /try-free, /free, /free-trial, /start, /start-free). Investigated: docs 0%.
- [fail] Quickstart present — No quickstart/getting-started page found at the conventional paths. Investigated: docs 0%.
- [fail] Code samples in docs — No detectable code samples across 20 sampled docs pages. Investigated: docs 0%.

### Agent Discovery

- [pass] Docs reachable, not hard auth-gated — All 2 pages are publicly accessible. Investigated: docs 100%.
- [pass] Registry & SDK presence — Indexed on Context7 (websites/marqeta, 14748 snippets). Investigated: docs 100%, sdk 100%, cli 0%.
- [warn] llms.txt present, valid & comprehensive — Same-origin links point to HTML and no markdown alternatives detected. Investigated: docs 71%, sdk 0%.
- [warn] Crawlable / AEO — Sitemap present (3 entries) but carries no lastmod values. Investigated: wellknown 75%.

### Agent Understanding

- [pass] Machine-readable errors (RFC 9457) — Only 1 distinct 4xx/5xx codes documented (plus 0 "default" catch-all responses). Investigated: docs 100%, sdk 100%, spec 50%.
- [pass] Operation purpose clarity — 100% of operations have a clear summary + operationId an agent can select on. Investigated: spec 100%.
- [warn] Agent-navigable, token-efficient docs — 1 of 2 pages have content starting at 10–50% (worst 21%). Investigated: docs 95%.
- [pass] Docs structured data — JSON-LD Article markup on 19/20 assessed pages (95%) with dateModified present. Investigated: docs 100%.
- [warn] Description consistency across surfaces — Mean pairwise description similarity across 2 surfaces (docs, sdk) is 6% (threshold 35% for full credit).
- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%.

### Agent Usability

- [pass] Idempotency documented — Built-in retry machinery is present (grep-derived). Investigated: sdk 100%, spec 0%, docs 0%.
- [warn] Pagination documented & consistent — 101/111 list method(s) return an auto-paginating iterable. Investigated: sdk 91%.
- [pass] Sandbox separation — sandbox documented in the docs site at https://www.marqeta.com/docs/core-api/simulating-transactions. Investigated: spec 100%, docs 100%, sdk 100%.
- [fail] Rate-limit signaling — No rate-limit response headers documented. Investigated: spec 0%, docs 0%.
- [fail] Runnable collection with test scripts — No public Postman workspace discovered for the org. Investigated: platform 0%.

## Executive Summary

Marqeta's API program shows strong foundations in API design, agent discovery, and documentation parseability — partners and their agents can find and read the surface with confidence. However, the program has two critical gaps that put partner onboarding and AI-agent integration at risk: there is no self-service developer portal with quickstart guidance or code samples, meaning partners face friction before writing a single line of code; and the program lacks the runnable, agent-readable context (executable collections, agent instruction files, rate-limit signals) that modern coding agents need to integrate correctly without guessing. Closing the onboarding gap and providing executable, trustworthy context for agents should be the immediate priority.