---
title: Issuing
subtitle: Use the Stripe Issuing API to create, manage, and distribute payment cards for your business.
route: /issuing
---

# Issuing

Use the Stripe Issuing API to create, manage, and distribute payment cards for your business.

Issuing is available in the United States, United Kingdom, and European Economic Area. Learn more about [availability by country](https://docs.stripe.com/issuing/global.md).

[Stripe Issuing](https://dashboard.stripe.com/issuing/overview) allows you to create a commercial card program for your users without setup fees. You can create your own card designs, and approve transactions in real time. You can build Stripe Issuing alongside [Stripe Treasury](https://docs.stripe.com/treasury.md) to attach cards to open loop wallets, and offer your users additional money movement options. To learn more about Issuing, see [How Issuing Works](https://docs.stripe.com/issuing/how-issuing-works.md).

## Get started

Decide on physical or virtual cards for your cardholders.

Make funds available in your Issuing balance for future card spend.

Learn how to issue cards as a Connect platform to third parties represented as connected accounts.

Understand how fraud can impact your Issuing program and the steps you can take to combat it.

Simulate test purchases before going live.

## Virtual and physical cards

Create cardholders and issue virtual cards.

Create cardholders and issue physical cards.

Select the design for your cards and their packaging.

Configure the appearance of your physical cards, such as by adding a company logo, and customize the accompanying content.

Learn about shipping options for your cards, such as delivery speeds and bulk shipments.

Learn about how to get support for physical cards.

## Manage cards

Set rules on cards and cardholders to control spend.

Approve or decline authorization requests in real time.

Spend cards with Apple Pay, Google Pay, or Samsung Pay.

Learn how to handle partial, incremental, and reversal authorizations.

Learn how to handle refunds and other types of transaction captures.

Learn about submitting and tracking disputes.

## Features

* [Flexible spending controls](https://docs.stripe.com/issuing/controls/spending-controls.md)
  Set dynamic spending limits, merchant category restrictions, and geographic controls.

* [Real-time authorizations](https://docs.stripe.com/issuing/controls/real-time-authorizations.md)
  View and control authorization requests as they happen, using webhooks.

* [Digital wallets](https://docs.stripe.com/issuing/cards/digital-wallets.md)
  Add physical or virtual cards to mobile wallets like Apple Pay or Google Pay through manual provisioning, in-app push provisioning, or web push provisioning.

* [Multi-currency support](https://docs.stripe.com/issuing/global.md)
  Issue cards in multiple currencies.

* [Automatic reconciliation](https://docs.stripe.com/issuing/categories.md)
  Simplify accounting with automated transaction categorization.

## Additional resources

Learn the basics of interchange revenue, how it’s calculated, and how Stripe can help you earn revenue.

Learn why you should embed financial services in your product, how to evaluate BaaS solutions, and how Stripe can help.

Learn the ins-and-outs of building a charge card program and how Stripe can help.

Learn from four startups on how to design, build, and grow a successful fintech company.

Learn about the basics of BaaS compliance for fintechs in the US.

Learn from Gillian Wee about what the Financial Partnerships team looks for in bank partners at Stripe.

Learn what they are and how you can use them to enhance your card program.