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Payments
Finance automation
Platforms and marketplaces
Money management
Developer tools
Get started
Payments
Finance automation
Get started
Payments
Finance automation
Platforms and marketplaces
Money management
Overview
Start an integration
Products
Global Payouts
Capital
Issuing cards
    Overview
    How Issuing works
    Global availability
    Manage fraud
    Cards
    Choose your card type
    Virtual cards
    Issue virtual cards
    Physical cards
    Manage cards
    Digital wallets
    Replacement cards
    Card programs
    Program management
    Customize your card program
    Add funds to your card program
    Credit Consumer Issuing
    Controls
    Spending controls
    Advanced fraud tools
    3DS
    Fraud challenges
    Real-time authorizations
    PIN management
    Issuing Elements
    Token Management
    Funding
    Balance
    Postfund your integration with Stripe
    Postfund your integration with Dynamic Reserves
    Purchases
    Authorizations
    Transactions
    Disputes
    Testing
    Merchant categories
    ATM Usage
    Issuing with Connect
    Set up an Issuing and Connect integration
    Update terms of service acceptance
    Connect funding
    Connected accounts, cardholders, and cards
    Embed card management UI
    Credit
    Overview
    Set up connected accounts
    Manage credit terms
    Report other credit decisions and manage AANs
    Report required regulatory data for credit decisions
    Manage account obligations
    Test credit integration
    Additional information
    Choose a cardholder type
    Customer support for Issuing and Treasury
    Issuing watchlist
    Marketing guidance (Europe/UK)
    Product and marketing compliance guidance (US)
Treasury
Manage money
HomeMoney managementIssuing cards

Issuing

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

Dispute categories

Issuing is available in the United States, United Kingdom, and European Economic Area. Learn more about availability by country.

Stripe Issuing 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 to attach cards to open loop wallets, and offer your users additional money movement options. To learn more about Issuing, see How Issuing Works.

If you haven’t already, create a Stripe account before you get started with Issuing.

Get started

Choose card offering

Decide on physical or virtual cards for your cardholders.

Add funds

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

Issue cards to connected accounts

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

Manage fraud

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

Test the integration

Simulate test purchases before going live.

Virtual and physical cards

Create virtual cards

Create cardholders and issue virtual cards.

Create physical cards

Create cardholders and issue physical cards.

Choose card bundle

Select the design for your cards and their packaging.

Create a design

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

Ship cards

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

Support for physical cards

Learn about how to get support for physical cards.

Manage cards

Set spending controls

Set rules on cards and cardholders to control spend.

Perform real-time authorizations

Approve or decline authorization requests in real time.

Add cards to digital wallets

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

Handle authorizations

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

Handle transactions

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

Dispute transactions

Learn about submitting and tracking disputes.

Features

  • Flexible spending controls Set dynamic spending limits, merchant category restrictions, and geographic controls.

  • Real-time authorizations View and control authorization requests as they happen, using webhooks.

  • Digital wallets 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 Issue cards in multiple currencies.

  • Automatic reconciliation Simplify accounting with automated transaction categorization.

Additional resources

How to earn revenue by issuing cards

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

Introduction to BaaS for SaaS platforms

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

Charge card 101

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

Best practices for building a fintech company

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

Compliance fundamentals for fintechs in the US

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

Bank partnerships for Stripe BaaS

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

Merchant category codes (MCCs)

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

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