Use Stripe Issuing globallyPrivate preview

Stripe Issuing offers flexible solutions for platforms to provide cards to businesses across multiple geographies. This guide explains the different integration options available for issuing cards globally, including local issuing and cross-border issuing through innovative programs for multinational companies and stablecoin-backed cards.

Learn how to:

• Use local issuing in 22 countries.
• Apply for early access to expand your card program internationally with a single cross-border issuing integration that allows you to:
  • Serve multinational companies with subsidiaries in multiple countries.
  • Explore stablecoin-backed cards for global reach with local businesses.

Stripe Issuing provides the tools and infrastructure to scale your business across borders efficiently, whether you’re starting a new card program or expanding an existing one.

Local issuing

Most Issuing programs leverage local Issuing. This means the Issuer (the financial institution providing cards) and the Stripe platform are in the same region as the connected account and cardholder. For example, if your business is established in Europe, you can issue cards to any company or individual residing in any European Economic Area (EEA) country.

Locally issued cards can be used anywhere your card network (Visa or Mastercard) is accepted. They’re denominated in USD, EUR, or GBP depending on your platform’s location. Automatic currency conversion occurs as necessary.

Stripe Issuing is live with local Issuance in 22 countries. Contact us to set up local Issuing in any of the following countries:

Cross-border issuing

Issuers typically seek to enter new markets and expand with the existing businesses they serve. You can use Stripe Issuing to serve global businesses with a single card program, without launching new countries or regions.

Our compliance-first approach:

• Establishes local card ranges with local interchange and fees.
• Eliminates unnecessary cross-border fees.
• Enables access to USD balances for users in markets with volatile currencies.
• Is designed to let platforms go to market with a complete offering that uses other Stripe products for services like:
  • Employee reimbursements
  • Funds storage
  • FX
  • Global acquiring
  • Compliance
  • Fraud prevention

Multinational programs

For enterprise issuers serving large multinational companies, we support Visa’s Multinational Program and Mastercard’s Extension of Area of Use programs. Platforms can compliantly issue cards to subsidiaries of US multinational companies in over 40 countries where the US multinational is already an accountholder.

Stablecoin cards

Fintech platforms in Latin American markets scaling to new markets can use borderless stablecoin-backed cards. These platforms can scale to additional markets with a single integration.