# Credit Consumer Issuing

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

> Credit Consumer Issuing is currently in [private preview](https://docs.stripe.com/release-phases.md) and only available in the United States (US). To join the waitlist, [submit your email](https://docs.stripe.com/issuing/consumer-issuing.md#request-access).

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](https://docs.stripe.com/issuing/cards/physical.md) and [virtual](https://docs.stripe.com/issuing/cards/virtual.md))
- 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](https://docs.stripe.com/issuing/consumer-issuing/how-it-works.md).

## Features

Credit Consumer Issuing automatically:

|  |
|  |
| **Issues physical and virtual cards with a bank partner to customers** | You can issue [physical](https://docs.stripe.com/issuing/cards/physical.md) or [virtual cards](https://docs.stripe.com/issuing/cards/virtual.md) using APIs or the Stripe Dashboard. Stripe manages the manufacturing, printing and shipping of the physical cards.                                                                                                                                                                                                             |
| **Manages processing with card networks**                              | Stripe enables the transfers of funds between consumers, businesses, and financial institutions.                                                                                                                                                                                                                                                                                                                                                                                |
| **Responds to disputes on behalf of the cardholder**                   | When 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 time**     | Issuer processing allows Stripe to approve or decline payment [authorization requests](https://docs.stripe.com/issuing/controls/real-time-authorizations.md) in real-time. We evaluate each transaction based on the available credit, account status, and your program’s terms.                                                                                                                                                                                                |
| **Uses advanced fraud alerts**                                         | We use [advanced fraud tools](https://docs.stripe.com/issuing/controls/advanced-fraud-tools.md) to detect and prevent potential fraud, sending alerts during consumer onboarding if we find suspicious activity.                                                                                                                                                                                                                                                                |
| **Reminds and collects outstanding payments from cardholders**         | Stripe automatically sends repayment reminders and provides payment plans to consumers for collections.                                                                                                                                                                                                                                                                                                                                                                         |
| **Reports to the Credit Bureau**                                       | Stripe handles credit bureau reporting in compliance with Metro2 formats.                                                                                                                                                                                                                                                                                                                                                                                                       |
| **Provides platform services and customer management tools**           | Stripe 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 reports**                                                   | Stripe provides [reports](https://docs.stripe.com/stripe-reports.md) you can access in the [Stripe Dashboard](https://dashboard.stripe.com/issuing/overview). To access advanced reports, use [Stripe Sigma](https://docs.stripe.com/payment-authentication/writing-queries.md). Our [Stripe Data Pipeline](https://docs.stripe.com/stripe-data/access-data-in-warehouse/data-warehouses.md) allows you to export Stripe data to your data warehouse to generate these reports. |

## Request access