Marqeta · Marqeta Terms of Use · View original document ↗

Customer Bears All Card Loss Risk

High severity High confidence Explicitdocumentlanguage Common · 286 of 352 platforms
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This analysis describes what Marqeta's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

Customer assumes full financial exposure for a broad range of Card-related losses, including fraud and chargebacks, with no allocation of that risk to Marqeta.

Interpretive note: The excerpt includes 'compliance with Customer Legal Requirements' as a separately enumerated item; it is recorded in omitted_material but not merged into the canonical claim to preserve the single-proposition rule.

Consumer impact (what this means for users)

The reader is required to absorb all financial losses arising from credit losses, chargebacks, fraud, load failures attributable to their own conduct, and any other Card losses.

How other platforms handle this

Netflix Medium

ANY INTERACTIONS WITH ADVERTISERS, INCLUDING THROUGH ENGAGEMENT WITH INTERACTIVE ADVERTISEMENTS, ARE AT YOUR OWN OPTION AND RISK AND YOU AGREE THAT NETFLIX IS NOT LIABLE FOR ANY DAMAGES...

Datadog Medium

When you access or use a Third-Party Service, you are interacting with the applicable third party, not with Datadog, and you do so at your own risk.

Instacart Medium

If you connect any third-party Automated System to Instacart, you do so at your own risk. Such tools may introduce errors and act inconsistently with your intent. Instacart is not responsible...

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▸ View Original Clause Language DOCUMENT RECORD
"
Customer will bear all risk and cost of compliance with Customer Legal Requirements, credit losses, load failures due to Customer's acts or omissions, chargebacks, fraud or any other losses on the Cards...

— Excerpt from Marqeta's Marqeta Terms of Use

Applicable regulations

FTC Act Section 5
United States Federal

Provision details

Document information
Document
Marqeta Terms of Use
Entity
Marqeta
Document last updated
May 5, 2026
Tracking information
First tracked
July 12, 2026
Last verified
July 12, 2026
Record ID
CA-P-072583
Document ID
CA-D-00666
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
bbb9885e232304ba5f7143efb49a715cb875cef5b9d5f8893d363771bc6eac76
Analysis generated
July 12, 2026 15:34 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Marqeta
Document: Marqeta Terms of Use
Record ID: CA-P-072583
Captured: 2026-07-12 15:34:24 UTC
SHA-256: bbb9885e232304ba…
URL: https://conductatlas.com/platform/marqeta/marqeta-terms-of-use/provision/CA-P-072583/customer-bears-all-card-loss-risk/
Accessed: July 12, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Marqeta's Customer Bears All Card Loss Risk clause do?

Customer assumes full financial exposure for a broad range of Card-related losses, including fraud and chargebacks, with no allocation of that risk to Marqeta.

How does this clause affect you?

The reader is required to absorb all financial losses arising from credit losses, chargebacks, fraud, load failures attributable to their own conduct, and any other Card losses.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 286 platforms. See the full comparison.

Is ConductAtlas affiliated with Marqeta?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Marqeta.