Integrate processor-only Issuing

Create a Cardholder object to represent the business entity or individual that’s authorised to use the card. The response includes a unique id for the cardholder.

curl https://api.stripe.com/v1/issuing/cardholders \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d name="Jenny Rosen" \
  --data-urlencode email="jenny.rosen@example.com" \
  --data-urlencode phone_number="+18008675309" \
  -d status=active \
  -d type=individual \
  -d "billing[address][line1]"="123 Main Street" \
  -d "billing[address][city]"="San Francisco" \
  -d "billing[address][state]"=CA \
  -d "billing[address][postal_code]"=94111 \
  -d "billing[address][country]"=US

Issue the card to the Cardholder by passing in the id from the previous step. You must also include the currency and type of card (physical or virtual). In the following example, we also include the cardholder’s shipping information.

curl https://api.stripe.com/v1/issuing/cards \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d currency=usd \
  -d type=physical \
  -d cardholder=ich_123 \
  -d "shipping[name]"="Jenny Rosen" \
  -d "shipping[address][line1]"="123 Main St" \
  -d "shipping[address][city]"="San Francisco" \
  -d "shipping[address][state]"=CA \
  -d "shipping[address][postal_code]"=94111 \
  -d "shipping[address][country]"=US

To track the card’s shipping status, use the tracking_url or tracking_number attributes. You can also listen to the issuing_card.updated webhook for updates to shipping.status. For you to receive updates, the shipping carrier must support tracking.

When you receive a webhook indicating that shipping.status equals delivered, activate the card by updating its status. (You can also use this API to temporarily deactivate the card.) By default, cards are inactive when you create them.

curl https://api.stripe.com/v1/issuing/cards/ic_123 \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d status=active

Set up the issuing_authorization.request webhook to immediately notify you when someone makes an authorisation request on an issued card. This lets you approve or decline the authorisation instantly, giving you control over whether to allow or block a transaction before it completes. To learn more, see Issuing real-time authorisations.

Subscribe to issuing_authorization.create webhook events. This webhook notifies you when someone creates a new authorisation for an issued card. It provides details about the authorisation outcome, including whether it was approved or declined. This lets you track authorisations, handle edge cases (such as network declines after approval), and place a hold on the cardholder’s balance when an authorisation completes.

Subscribe to issuing_transaction.create webhook events. This webhook notifies you when a new transaction is created for an issued card, which occurs when Stripe receives the clearing record for an authorisation. You can’t decline the clearing record, but you can dispute the transaction if needed. Use this webhook to track finalised spending, and update cardholder balances accordingly.

A transaction doesn’t necessarily need to be associated with an authorisation (in the case of a force capture). Additionally, the transaction amount doesn’t need to match the amount from a linked authorisation (in the case of a partial_capture or over_capture).

To determine your daily settlement amount with the card network, subscribe to the issuing_settlement webhook. You can use this webhook to also verify that the amount matches the day’s transactions.

The issuing_settlement.created event indicates how much you need to settle with the card network on a given day. You can reconcile this with the amount pulled from your bank account. Stripe associates issuing transactions and disputes with the Settlement object. When we find all the transactions, we mark the settlement status as completed. To learn more, see the Settlement API.

To understand and track the balance impact for a specific cardholder, sum up the transaction and Dispute Settlement Detail objects associated with the settlement.