# 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. Stablecoin-backed card programs are also available in more than 30 countries across Latin America, the Caribbean, and Africa. 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 for platforms](https://docs.stripe.com/treasury/connect.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). If you haven’t already, [create a Stripe account](https://dashboard.stripe.com/register/issuing) before you get started with Issuing. ## Get started [Choose card offering](https://docs.stripe.com/issuing/choose-cards.md): Decide on physical or virtual cards for your cardholders. [Add funds](https://docs.stripe.com/issuing/funding/balance.md): Make funds available in your Issuing balance for future card spend. [Issue cards to connected accounts](https://docs.stripe.com/issuing/connect.md): Learn how to issue cards as a Connect platform to third parties represented as connected accounts. [Manage fraud](https://docs.stripe.com/issuing/manage-fraud.md): Understand how fraud can impact your Issuing program and the steps you can take to combat it. [Test the integration](https://docs.stripe.com/issuing/testing.md): Simulate test purchases before going live. ## Virtual and physical cards [Create virtual cards](https://docs.stripe.com/issuing/cards/virtual/issue-cards.md): Create cardholders and issue virtual cards. [Create physical cards](https://docs.stripe.com/issuing/cards/physical/issue-cards.md): Create cardholders and issue physical cards. [Choose card bundle](https://docs.stripe.com/issuing/cards/choose-bundle.md): Select the design for your cards and their packaging. [Create a design](https://docs.stripe.com/issuing/cards/physical/create-design.md): Configure the appearance of your physical cards, such as by adding a company logo, and customize the accompanying content. [Ship cards](https://docs.stripe.com/issuing/cards/physical/ship-cards.md): Learn about shipping options for your cards, such as delivery speeds and bulk shipments. ## Manage cards [Add cards to digital wallets](https://docs.stripe.com/issuing/cards/digital-wallets.md): Spend cards with Apple Pay, Google Pay, or Samsung Pay. [Get replacement cards](https://docs.stripe.com/issuing/cards/replacements.md): Replace cards that are expired, damaged, lost, or stolen. [Manage PINs](https://docs.stripe.com/issuing/cards/pin-management.md): Let your cardholders manage their personal identification numbers. ## Manage purchases [Set spending controls](https://docs.stripe.com/issuing/controls/spending-controls.md): Set rules on cards and cardholders to control spend. [Perform real-time authorizations](https://docs.stripe.com/issuing/controls/real-time-authorizations.md): Approve or decline authorization requests in real time. [Handle authorizations](https://docs.stripe.com/issuing/purchases/authorizations.md): Learn how to handle partial, incremental, and reversal authorizations. [Handle transactions](https://docs.stripe.com/issuing/purchases/transactions.md): Learn how to handle refunds and other types of transaction captures. [Dispute transactions](https://docs.stripe.com/issuing/purchases/disputes.md): 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 such as 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 [How to earn revenue by issuing cards](https://stripe.com/guides/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 embedded finance for SaaS platforms](https://stripe.com/guides/introduction-to-embedded-finance): Learn why you should embed financial services in your product, how to evaluate embedded finance solutions, and how Stripe can help. [Charge card 101](https://stripe.com/guides/charge-cards-101): Learn the ins-and-outs of building a charge card program and how Stripe can help. [Best practices for building a fintech company](https://stripe.com/guides/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](https://stripe.com/guides/overview-of-compliance-fundamentals-for-fintechs-in-us): Learn about the basics of embedded finance compliance for fintechs in the US. [Bank partnerships for Stripe embedded finance](https://stripe.com/guides/gillian-wee-on-bank-partnership-for-stripe-baas): Learn from Gillian Wee about what the Financial Partnerships team looks for in bank partners at Stripe. [Merchant category codes (MCCs)](https://stripe.com/guides/merchant-category-codes): Learn what they’re and how you can use them to enhance your card program.