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HomeMoney managementIssuing cards

Credit Consumer IssuingPrivate preview

Learn about the Stripe consumer credit solution to launch a credit program for your customers.

Private preview

Credit Consumer Issuing is currently in private preview and only available in the United States (US). To join the waitlist, submit your email.

Stripe provides the components to create, launch, and run a bank-sponsored credit program. Use Credit Consumer Issuing to:

  • Onboard consumer accounts
  • Issue bank-sponsored credit cards (both physical and virtual)
  • Manage your credit program without needing your own sponsor bank or bank charter
  • Move money between Stripe, your platform, and your consumers
  • Customize how your consumers earn rewards

Credit Consumer Issuing also automatically maintains a credit ledger to track customer payments, responds to disputes on behalf of the consumer, and reports to the Credit Bureau. To learn more, see How Credit Consumer Issuing works.

Features

Credit Consumer Issuing automatically:

Issues physical and virtual cards with a bank partner to customersYou can issue physical or virtual cards using APIs or the Stripe Dashboard. Stripe manages the manufacturing, printing and shipping of the physical cards.
Manages processing with card networksStripe enables the transfers of funds between consumers, businesses, and financial institutions.
Responds to disputes on behalf of the cardholderWhen cardholders report a dispute, Stripe automatically manages and responds to the dispute on your behalf. We notify you if you win or lose the dispute.
Approves or denies payment authorization requests in real timeIssuer processing allows Stripe to approve or decline payment authorization requests in real-time. We evaluate each transaction based on the available credit, account status, and your program’s terms.
Uses advanced fraud alertsWe use advanced fraud tools to detect and prevent potential fraud, sending alerts during consumer onboarding if we find suspicious activity.
Reminds and collects outstanding payments from cardholdersStripe automatically sends repayment reminders and provides payment plans to consumers for collections.
Reports to the Credit BureauStripe handles credit bureau reporting in compliance with Metro2 formats.
Provides platform services and customer management toolsStripe manages consumer account services on your behalf. This includes consumer support specialists who interact with your customers and handle inquiries according to your policies.
Includes reportsStripe provides reports you can access in the Stripe Dashboard. To access advanced reports, use Stripe Sigma. Our Stripe Data Pipeline allows you to export Stripe data to your data warehouse to generate these reports.

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