Provision record
Marqeta · Marqeta Terms of Use · View original document ↗

Continuous Set-Off Right Against Custodial Account

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Document Record

What it is

The agreement grants Marqeta a continuous right to set off any amounts Customer owes Marqeta against amounts Marqeta owes Customer, including funds held in the Custodial Account, until Customer's liability is fully satisfied. This right operates in addition to all other contractual and legal remedies available to Marqeta.

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)

This provision authorizes Marqeta to apply funds from Customer's Custodial Account against outstanding Customer liabilities on a continuous basis without requiring a separate triggering event or court order. For card programs with active transaction volumes, the Custodial Account may contain operational funds required for cardholder settlements, and the set-off right could affect Customer's ability to maintain required minimum balances.

Consumer impact (what this means for users)

Under this clause, Marqeta holds a continuous contractual right to reduce or eliminate Customer's Custodial Account balance to satisfy amounts Customer owes Marqeta. Customer must submit written requests for the return of Custodial Account funds and is not authorized to initiate withdrawals directly.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
  • Dispute a Fee
    Submit a written dispute of any amounts subject to set-off to the address or email specified in the Order Form, as required by the agreement's notice provisions in Section B(10)(i).

Cross-platform context

See how other platforms handle Continuous Set-Off Right Against Custodial Account and similar clauses.

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▸ View Original Clause Language DOCUMENT RECORD
"
In addition to any other remedies available to Marqeta or Issuer at law or under the Agreement and to the extent permitted by Applicable Law, Marqeta may, as a continuous right, set off any amounts owed to it against any outstanding amounts owed to Customer until Customer's liability owed to Marqeta is fully paid.

Excerpt from Marqeta's Terms of Use

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

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Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • Consumer Financial Protection Bureau (cfpb)
    Regulates consumer financial products and services. Can investigate companies for unfair, deceptive, or abusive financial practices including improper fees, billing errors, and data misuse.
    Who can file: Anyone who has used a consumer financial product or service in the US
    What you need: Account number or details, dates of transactions or events, description of the issue, and any supporting documents
    What to expect: The company must respond within 15 days. The CFPB forwards your complaint and may use it in enforcement actions. Individual compensation is possible in some cases.
    File a complaint →

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-074319
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-074319
Captured: 2026-07-12 15:34:24 UTC
SHA-256: bbb9885e232304ba…
URL: https://conductatlas.com/platform/marqeta/marqeta-terms-of-use/provision/CA-P-074319/continuous-set-off-right-against-custodial-account/
Accessed: Sept. 22, 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 Continuous Set-Off Right Against Custodial Account clause do?

This provision authorizes Marqeta to apply funds from Customer's Custodial Account against outstanding Customer liabilities on a continuous basis without requiring a separate triggering event or court order. For card programs with active transaction volumes, the Custodial Account may contain operational funds required for cardholder settlements, and the set-off right could affect Customer's ability to maintain required minimum balances.

How does this clause affect you?

Under this clause, Marqeta holds a continuous contractual right to reduce or eliminate Customer's Custodial Account balance to satisfy amounts Customer owes Marqeta. Customer must submit written requests for the return of Custodial Account funds and is not authorized to initiate withdrawals directly.

Is ConductAtlas affiliated with Marqeta?

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