# Customize your card program

Learn how to customize your Stripe Issuing card program to meet your business needs.

Stripe Issuing allows you to customize your card program to fit your business needs. View your program details in the Dashboard’s [Issuing settings](https://dashboard.stripe.com/settings/issuing/card-programs).

## BIN setup 

A Bank Identification Number (BIN) is the six or eight digits at the beginning of a card number that identify both the card network and the bank that issues the card. Stripe issues cards on both Visa and Mastercard. Most users issue cards on a shared BIN, but a dedicated BIN is available for certain use cases.

Account ranges are the digits that immediately follow the BIN on a card number. For 6-digit BINs, these are the seventh to ninth digits on a card. For 8-digit BINs, the account range is the ninth digit on a card. BINs work together with account ranges to help acquirers identify the card issuer.

Set up your Issuing program on a shared BIN, a dedicated range on a shared BIN, or a dedicated BIN:

| Option | Use case | Issued card limit | Considerations |
| --- | --- | --- | --- |
| Shared BIN (recommended) | You use standard Issuing capabilities and don’t need exclusive control or disclosure of the BIN or account range. This option is the default. | Unlimited | You share your BIN with other Issuing users, while Stripe keeps each card program and its data logically separate. Lowest upfront cost, least complex implementation, and quickest launch time. |
| Dedicated range on a shared BIN | You need an exclusive, identifiable account range, but not ownership or customization of the entire BIN. You can use this option with Account Level Management (ALM) or Account Level Processing (ALP) functionality. | 1,000,000 | To request a dedicated range, you must contact [Stripe Sales](https://stripe.com/contact/embedded-finance).
- Requires extra configuration, adds 30-45 business days to onboarding, and has an associated cost. |
| Dedicated BIN | You need full BIN-level control, network-level customization, or a distinct BIN identity for third parties, or you have direct network incentives with the card network. For example:
- You have an agreement with acquiring merchants or other partners for routing or commercial treatment.
- You intend to negotiate program terms or economics directly with the card network. | 10,000,000 | To request a dedicated BIN, you must contact [Stripe Sales](https://stripe.com/contact/embedded-finance).
- Subject to availability.
- Requires a one-time setup fee, can require support from Stripe (with additional fees), and adds 55-130 business days to onboarding (see the following section for details).
- Subject to underutilization fees. |

### Request a dedicated BIN or BIN range 

Purchase a dedicated BIN or BIN range from the network in partnership with the sponsor bank. This licenses the dedicated BIN to a specific user. Use dedicated BINs if you:

- Have agreed upon economic incentives with card networks.
- Require unique, network-based features that are only available to dedicated BIN users. For example, users with a dedicated BIN can request that the network institute specific rules that approve or reject transactions, regardless of the rules configured in Stripe.

A dedicated BIN takes an additional 55-130 business days to set up. Setup time varies by card network, geography, digital wallet and tokenization requirements, physical card requirements, and the card product type. Dedicated BINs are subject to availability, and a one-time setup fee applies. A dedicated BIN request might also require support from Stripe’s implementation services team, which can incur additional fees.

A dedicated range on a shared BIN requires extra configuration, adds 30-45 business days to onboarding, and has an associated cost.

You must be an Issuing customer to request a dedicated BIN or dedicated range. For more information about pricing and availability, contact [Stripe Sales](https://stripe.com/contact/embedded-finance).

## Card product type 

Card product type is a setting that affects the features available to you and your cardholders through Stripe Issuing. We recommend selecting a card product type based on the size of your business and what you purchase with the cards.

> *Card product type* differs from *card type*. Card type usually indicates a different aspect of the card, such as whether it’s a credit or debit card.

Stripe offers the following card product types:

| Type | Description | Best for |
| --- | --- | --- |
| Business | Helps small businesses and organizations manage cash flow by separating business and personal expenses. Includes business tooling such as receipt capture and accounting software integrations. | Small businesses (fewer than 100 employees) that want to manage their business expenses, or platforms that serve small businesses. |
| Business Signature or Infinite | Same as Business, with extra rewards and benefits. | Small businesses (fewer than 100 employees) that want rewards and protection benefits beyond a standard business card program. |
| Commercial Corporate card | Helps employees pay their travel and entertainment (T&E) expenses securely. Provides granular spending information. | Mid-size and large businesses that want to manage employee travel, entertainment, and other corporate expenses with centralized spending controls and reporting, or platforms that serve these businesses. |
| Commercial Fleet card | Helps a vehicle fleet operation manage expenses, such as fuel, maintenance, and repairs. | Mid-size to large enterprises that operate vehicle fleets, or platforms that provide fleet-management services. |
| Commercial Purchasing card | Expedites the procurement process and lowers costs by eliminating the need to issue purchase orders for procurement, invoices, and checks. | Mid-size to large enterprises that want to manage procurement and supplier payments with centralized spending controls, or platforms that serve these businesses. |
| Travel (virtual cards only) | Helps travel businesses pay suppliers such as hotels, airlines, car-rental companies, and travel aggregators. | Online travel agencies, tour operators, and travel platforms that make high-volume payments to travel suppliers. |
| Consumer debit and prepaid | Helps cardholders make everyday purchases using funds available in a linked balance, financial account, or wallet. | Businesses that want to offer consumer wallets, rewards, payouts, stablecoin-backed cards, or general-purpose spending programs that don’t extend credit. |
| Consumer credit | Gives underwritten cardholders a revolving line of credit and lets them earn rewards on purchases. | Fintechs and consumer lenders. |

The card product type you choose affects the type of data you receive for each transaction. For example:

- A user with a *Commercial Fleet card* receives specific fleet-related data for transactions, such as:
  - Number of gallons pumped
  - Type of fuel pumped
  - Odometer readings
  - Itemized fuel and non-fuel purchases
- A user with a *Commercial Corporate card* receives specific travel and entertainment-related data for transactions, such as:
  - Flight carrier
  - Flight departure time
  - Airport code
  - Hotel check-in date
  - Number of nights in a hotel stay
- A user with a *Commercial Purchasing card* receives invoice-specific data for transactions, such as:
  - Number of items purchased
  - Quantity of each item

If more than one card product type is relevant for your business, you can set up multiple types. Some card product types can’t share the same BIN, so you might need multiple BINs.

## Network preference 

Stripe supports both the Mastercard and Visa card networks. When you onboard to Issuing, you decide which card network to issue cards with. The card network you choose becomes your default network. To change your default network at any time, contact [Stripe Support](https://support.stripe.com/contact).

### Multi-network issuing (Private preview)

You can issue cards on both Mastercard and Visa at the same time.

To request access to the preview, contact [Stripe Support](https://support.stripe.com/contact).

## Funding types (US region) 

When you set up your Issuing program, you choose how card spending is funded. Stripe supports prefunded and post-funded credit programs. Support for [stablecoin-backed card programs](https://docs.stripe.com/issuing/stablecoin-cards.md) is in private preview. Available options depend on your card network, card product, and liquidity needs.

The following table describes supported combinations of card products and funding types:

|  | Prefunded | Credit | Stablecoin-backed (Private preview) |
| --- | --- | --- | --- |
| How it works | Card balances are pre-funded and reloaded by you or your connected accounts. | Card balances are linked to an external credit account. | Card balances are linked to a Stripe Treasury, Bridge custodial, Privy, or third-party non-custodial wallet. |
| Best for | Pre-loading balances without an attached checking account. | Connecting card spend to an external credit account. | Cross-border card programs and attaching cards to existing earn products and wallets. |
| Visa card products | Supported debit and prepaid products, including eligible consumer, business, and commercial programs. | Supported consumer, business, and commercial credit products, including eligible corporate, purchasing, travel, and fleet programs. | Supported debit or prepaid products. |
| Mastercard card products | Supported consumer and business debit products, plus eligible consumer, business, and corporate prepaid products. | Supported consumer, business, and corporate credit products, including eligible fleet programs. | [Contact Stripe Support](https://support.stripe.com/contact) to confirm availability. |

## Card benefits and rewards 

Cardholder benefits vary by card network, card product, geographical region, BIN, issuer, and program configuration. Some benefits are [included automatically](https://docs.stripe.com/issuing/customize-your-program.md#card-benefits), while [optional benefits](https://docs.stripe.com/issuing/customize-your-program.md#optional-benefits) require enrollment and might incur additional or usage-based fees. All benefits are subject to the applicable terms, conditions, exclusions, and availability requirements.

### Card benefits

The following benefits are automatically included with eligible card products. Availability and terms vary by region.

| Card product type | Included benefits |
| --- | --- |
| [Visa Business](https://usa.visa.com/support/small-business/card-benefits.html#1) | - Auto Rental Collision Damage Waiver
- Travel and Emergency Assistance Services
- Purchase Security/Extended Protection
- Roadside Dispatch®
- [Visa SavingsEdge](https://www.visasavingsedge.com/e/members/registration.php?sid=92XXdKrlo92#step1)
- Dovly Uplift™ Smart Credit Engine
- ID Navigator Powered by NortonLifeLock |
| [Visa Business Signature](https://usa.visa.com/support/small-business/card-benefits.html#2)

Requires a rewards program. [Stripe can help you operate one](https://docs.stripe.com/issuing/customize-your-program.md#rewards), and can help you get the required review and approval from Visa. | All Visa Business benefits, plus:

- Lost Luggage Reimbursement
- Travel Accident Insurance
- Visa Luxury Hotel Collection access
- Visa Concierge |
| - [Visa Commercial Corporate](https://www.visa.com/en-us/business/cards/enterprise-cards/corporate-credit)
- [Visa Commercial Purchasing](https://www.visa.com/en-us/business/cards/enterprise-cards/purchasing)
- [Visa Commercial Fleet](https://www.visa.com/en-us/business/cards/enterprise-cards/fleet) | - Auto Rental Collision Damage Waiver
- Travel and Emergency Assistance Services
- Roadside Dispatch®
- Liability waiver |
| - Mastercard Standard Business
- Mastercard World Business
- Mastercard World Elite Business
- Mastercard Corporate
- Mastercard Fleet | Available benefits vary by product tier, BIN, and the benefit package selected during program setup. Stripe confirms your Mastercard benefit package during onboarding. For the benefits, enrollment requirements, fees, and terms that apply to your program, contact [Stripe Support](https://support.stripe.com/contact) or your account manager. |

All Issuing programs must provide the following services to cardholders when the applicable card network and card product require them:

- Cardholder inquiry service
- Lost or stolen card reporting
- Emergency card replacement and emergency cash disbursement

### Optional benefits

When setting up your program, you can also choose to provide one or more additional, non-standard benefits from the list below. Optional benefits can help drive cardholder transactions in the categories you want to incentivize spend for. These benefits incur a per-active-card fee when used that Stripe passes on to you. After you select the benefits you want to enroll your program in, your Stripe account or support partner works with you to provide additional details and make sure the benefits are set up properly.

Optional benefits are available to you through a third-party Stripe network partner. Enrollment isn’t effective until you receive confirmation from Stripe or our benefits partner. Certain terms, conditions, and exclusions apply.

| Card product type | Optional benefits |
| --- | --- |
| [Visa Business](https://usa.visa.com/support/small-business/card-benefits.html#1) | - Baggage delay reimbursement
- Cellular telephone protection
- RideShare protection (not available in all states)
- Emergency evacuation and transportation/repatriation of remains coverage
- Emergency medical/dental benefit
- Event ticket protection
- Hotel theft protection (1,000 USD or 1,500 USD)
- Lost luggage reimbursement (1,250 USD, 3,000 USD, or 5,000 USD)
- Price protection (250 USD, 500 USD, or 1,000 USD)
- Return protection
- Travel accident insurance (options between 100,000 USD - 1,000,000 USD)
- Trip cancellation/trip interruption (2,000 USD or 5,000 USD)
- Trip delay reimbursement |
| [Visa Business Signature](https://usa.visa.com/support/small-business/card-benefits.html#2) | - Baggage delay reimbursement
- Cellular telephone protection
- RideShare protection (not available in all states)
- Emergency evacuation and transportation/repatriation of remains coverage
- Emergency medical/dental benefit
- Event ticket protection
- Hotel theft protection (1,000 USD or 1,500 USD)
- Price protection (250 USD, 500 USD, or 1,000 USD)
- Return protection
- Trip cancellation/trip interruption (2,000 USD or 5,000 USD)
- Trip delay reimbursement |
| - [Visa Commercial Corporate](https://www.visa.com/en-us/business/cards/enterprise-cards/corporate-credit)
- [Visa Commercial Purchasing](https://www.visa.com/en-us/business/cards/enterprise-cards/purchasing)
- [Visa Commercial Fleet](https://www.visa.com/en-us/business/cards/enterprise-cards/fleet) | - Baggage delay reimbursement
- RideShare protection (not available in all states)
- Emergency evacuation and transportation/repatriation of remains coverage
- Emergency medical/dental benefit
- Event ticket protection
- Hotel theft protection (1,000 USD or 1,500 USD)
- Lost luggage reimbursement (1,250 USD, 3,000 USD, or 5,000 USD)
- Price protection (250 USD, 500 USD, or 1,000 USD)
- Return protection
- Travel accident insurance (options between 100,000 USD - 1,000,000 USD)
- Trip cancellation/trip interruption (2,000 USD or 5,000 USD)
- Trip delay reimbursement |
| - Mastercard Standard Business
- Mastercard World Business
- Mastercard World Elite Business
- Mastercard Corporate
- Mastercard Fleet | Available benefits vary by product tier, BIN, and the benefit package selected during program setup. For details, contact [Stripe Support](https://support.stripe.com/contact) or your account manager. |

### Marketing

To help cardholders understand and use their benefits and rewards, clearly communicate the applicable features, coverage, eligibility requirements, and terms. Stripe can provide sample messaging.

Before you publish any cardholder-facing materials or terms that describe benefits or rewards, the card network partner must review and approve them. Stripe can help you submit content for review. The review takes approximately 10-15 business days. This approval is required before launch.

### Cashback rewards 

Rewards are separate from the benefits included with your Visa or Mastercard card product. You can layer an incremental rewards program on top of those network benefits.

You can operate a rewards program without having to build its infrastructure by using Stripe Issuing *Rewards as a Service* to configure, fund, and distribute rewards. Rewards as a Service supports configurable reward rules and cashback on eligible card transactions, including handling reward reversals associated with refunds. To learn more about Rewards as a Service, contact [Stripe Support](https://support.stripe.com/contact).