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Issuing cards
    Overview
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HomeMoney managementIssuing cards

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.

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. We license a BIN for you when you create your card program. Most users have one BIN per Issuing setup.

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 either a shared BIN or a dedicated BIN:

  • Shared BIN: Default. You share your BIN with other card network users. We recommend this option for most users because it requires less configuration and is cheaper to enable. A user on a shared BIN might have a unique account range to help acquirers identify authorizations coming from that user.
  • Dedicated BIN Preview: The entire BIN is only associated with your accounts.

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.

Note

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 four primary card product types:

TypeDescriptionBest for
Visa BusinessHelps small businesses and organizations separate business and personal expenses. This allows your business to manage cash flow. This includes business tooling like receipt capture and accounting software integrations.Small businesses (less than 100 employees) that want to manage their business expenses, or platforms that serve small businesses.
Visa Business SignatureSame as Visa Business, with extra rewards and benefits.Small businesses (less than 100 employees) that want rewards and protection benefits.
Commercial Corporate cardHelps employees pay their travel and entertainment (T&E) expenses securely. Provides granular spending information.Mid-size businesses to large enterprises (100 or more employees) that primarily need to manage spend on travel and entertainment, or platforms that serve these businesses.
Commercial Fleet cardProvides payment solutions to manage all expenses generated by a vehicle fleet operation, including fuel, maintenance, and repairs.Mid-size to large enterprises (100 or more employees) that manage fleet expenses, or platforms that serve these businesses.
Commercial Purchasing cardExpedites the procurement process and saves cost by eliminating the need to issue purchase orders for procurement, invoices, and checks.Mid-size to large enterprises (100+ employees) with use cases that don’t fit into Commercial Corporate or Commercial Fleet, or platforms that serve these businesses.

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

Set up multiple card product types on Stripe if more than one card product type is relevant for your business. You can’t use multiple card product types if you set up a Business card.

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.

Multi-network issuing Preview

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

Only Issuing customers can join this preview. To request access to the preview, contact Stripe Support.

Funding types

When you set up your Issuing program, you need to choose how you want to fund the cards. Choose your funding type based on your card product type and your liquidity options. Stripe offers two options that support a variety of business needs:

PrepaidCredit
DetailsCard balances are pre-funded into an account that’s reloaded by the platform (in case of a direct integration), or by a connected account, as often as necessary.Card balances are linked to an external credit account.
Best forPre-loading balances without an attached checking account.Pre-loading balances with an attached external credit account.
Supported card product types
  • Visa Business
  • Visa Business Signature
  • Commercial Corporate
  • Commercial Purchasing
  • Visa Business
  • Visa Business Signature
  • Commercial Corporate
  • Commercial Purchasing
  • Commercial Fleet

Card benefits and rewards

All cards issued through Stripe have available default and optional cardholder benefits.

Card benefits

By default, your cardholders receive automatically-included benefits that vary depending on your program’s card product type.

Note

This table refers to Visa benefits only. For information about MasterCard benefits, contact Stripe Support or your account manager.

Card product typeIncluded benefits
Visa Business
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Purchase Security/Extended Protection
  • Roadside Dispatch®
  • Visa SavingsEdge
  • Dovly Uplift™ Smart Credit Engine
  • ID Navigator Powered by NortonLifeLock
Visa Business Signature
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Purchase Security/Extended Protection
  • Roadside Dispatch®
  • Visa SavingsEdge
  • Dovly Uplift™ Smart Credit Engine
  • ID Navigator Powered by NortonLifeLock
  • Lost Luggage Reimbursement
  • Travel Accident Insurance
  • Visa Luxury Hotel Collection access
  • Visa Concierge

Commercial Corporate

Commercial Purchasing

Commercial Fleet

  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Roadside Dispatch®
  • Liability waiver

All programs require the following services be provided to cardholders. You can offer the service to your cardholders yourself, or use the card network’s offering for a usage-based fee.

  • 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 typeOptional benefits
Visa Business
  • 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
  • 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

Commercial Corporate

Commercial Purchasing

Commercial 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

Marketing

To make sure that your cardholders use benefits and get value from them, you need to communicate with them about benefit details. Our card network provider must review and approve all marketing materials or cardholder-facing terms before publishing. We work with you during the approval process by supplying you with sample, pre-approved messaging if you don’t draft your own. This is a required step to launching a benefits program. The review process can take 5-7 business days.

Rewards

Although Stripe doesn’t provide rewards on any of its issued cards, you can set up your own rewards program on any of the cards you issue through us. Of the card product types Stripe offers, rewards are only a requirement for Visa Business Signature. The only requirement before going live is to make sure that our card network partner has reviewed and signed off on the reward terms and promotion details.

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