Create and manage cardsPublic preview

With Global Financial Accounts, you can create spend cards in the Stripe Dashboard.

Create a spend card

You can create physical and virtual cards that draw from your financial account balance.

1. On the Balances page or the Cards page, click Create card.
2. Select an existing cardholder or create a new cardholder.
3. Select Virtual or Physical.
   • To create a virtual card, select Activate card to activate the card immediately.
   • To create a physical card, enter the cardholder’s information and shipping address. The card typically arrives within 10 business days. You can track progress by selecting the relevant card on the Cards page.
4. Confirm that the cardholder has agreed to the Terms of Service, and click Create.
5. Click View card to your card details or choose to add your card to a digital wallet.

Activate a spend card

Before you can use the spend card you created, you must activate it.

1. On the Cards page, select the card you want to activate.
2. Click Activate.
3. Enter information about your business and click Continue.

After you activate your card, it appears with an Active badge on the Cards page.

Freeze card

You can freeze your card at any time to block all authorisations.

1. On the Cards page, select the card you want to freeze.
2. Click Freeze. A pop-up appears asking you to confirm.

After you freeze your card, it appears with a Frozen badge on the Cards page.

Replace or cancel a card

If your card is lost or stolen, you can replace or cancel your card at any time. Stripe cancels all authorisations on cancelled cards.

Replace a card

1. On the Cards page, select the card you want to replace.
2. Click the overflow menu () and click Replace card.
3. Select the reason why you’re replacing the card. You can activate the card immediately for use online or in digital wallets. You can also wait to activate it until you receive the physical card.
4. If this is a physical card, enter the cardholder’s current shipping address. Your replacement card typically arrives within 10 business days. You can track progress by selecting the card on the Cards page.

Cancel a card

1. On the Cards page, select the card you want to replace.
2. Click the overflow menu () and click Cancel card.
3. Select the reason why you’re cancelling the card and click Cancel card.

After you cancel your card, it appears with a Cancelled badge on the Cards page.

Add a card to your wallet

You can add the virtual cards you create to your Apple, Google, or Samsung wallet.

1. On the Cards page, select the card you want to add.
2. Click the overflow menu () and click Add to wallet.
3. In your wallet app, click Add payment method.
4. Use your phone’s camera to scan your card details, or enter them manually.
5. Click Done.

Manage cards

After you activate your card, you can manage your card from the Cards page.

View the PIN

The current PIN of the card was either set by Stripe during card creation or updated by the cardholder after card activation.

1. On the Cards page, in the Cards field, select the card you want to view.
2. Click the overflow menu () and then click View PIN.
3. If Stripe asks you to re-authenticate, enter the verification code sent to your phone.
4. The PIN displays for 5 seconds.

Change the PIN

Stripe automatically sets a randomised PIN for you during card creation. You can update it at any time. Before changing your PIN, make sure to write down your current PIN. You might need it to complete the PIN update process.

To change your PIN:

1. On the Cards page, in the Cards field, select the card you want to update.
2. Click the overflow menu () and select Set a new PIN.
3. Enter a new 4 digit PIN and then click Confirm.

Your new PIN takes effect as follows:

• For US cardholders, the PIN takes effect within 1 hour of submission.

• For UK cardholders, the PIN updates only after you use the previous PIN successfully or you have three declined PIN attempts at the same terminal.

  You can also update your PIN by visiting an ATM. If you haven’t used contactless payments on your card, you must make a chip+PIN transaction at a terminal or ATM to activate it.

Dispute a fraudulent or unauthorised card transaction

You can submit a dispute to Stripe for unauthorised card transactions.

1. On the Transactions page, select the unauthorised transaction.
2. Click Dispute.
3. On the dispute form, provide the required information explaining why you’re disputing the transaction and any supporting evidence.

You can check the status of your dispute in the Disputes fields on the Cards page.

The dispute process typically takes between 30 and 90 days. Stripe support might contact you if we require you to submit additional information to submit a dispute. Stripe might provide you a credit before the resolution process completes in some situations.

Investigate declined transactions

If you encounter an unexpected decline, check your card settings for the following common causes:

• Authorisation limits: Make sure the transaction doesn’t exceed the card’s per-authorisation limit (5,000 USD or GBP) or daily limit (5,000 USD or GBP). If these limits aren’t sufficient for your needs, please contact Stripe support.
• Spend controls: Check any spending limits and blocked category settings for the card.
• Suspected fraud: Stripe automatically declines transactions that we suspect as fraudulent. Check for an SMS message when the decline occurs and respond to indicate that the transaction is legitimate.
• Inactive or cancelled cards: When a cardholder deactivates or cancels a card, all subsequent purchase authorisations on the card are automatically declined.