Issuing

Use the Stripe Issuing API to create, manage, and distribute payment cards for your business.

Stripe Issuing allows you to create a commercial card program for your users without setup fees. You can create your own card designs, and approve transactions in real time. You can build Stripe Issuing alongside Financial Accounts for platforms to attach cards to open loop wallets, and offer your users additional money movement options. To learn more about Issuing, see How Issuing Works.

If you haven’t already, create a Stripe account before you get started with Issuing.

Get started

Choose card offering

Decide on physical or virtual cards for your cardholders.

Add funds

Make funds available in your Issuing balance for future card spend.

Issue cards to connected accounts

Learn how to issue cards as a Connect platform to third parties represented as connected accounts.

Manage fraud

Understand how fraud can impact your Issuing program and the steps you can take to combat it.

Test the integration

Simulate test purchases before going live.

Virtual and physical cards

Create virtual cards

Create cardholders and issue virtual cards.

Create physical cards

Create cardholders and issue physical cards.

Choose card bundle

Select the design for your cards and their packaging.

Create a design

Configure the appearance of your physical cards, such as by adding a company logo, and customize the accompanying content.

Ship cards

Learn about shipping options for your cards, such as delivery speeds and bulk shipments.

Manage cards

Add cards to digital wallets

Spend cards with Apple Pay, Google Pay, or Samsung Pay.

Get replacement cards

Replace cards that are expired, damaged, lost, or stolen.

Manage PINs

Let your cardholders manage their personal identification numbers.

Manage purchases

Set spending controls

Set rules on cards and cardholders to control spend.

Perform real-time authorizations

Approve or decline authorization requests in real time.

Handle authorizations

Learn how to handle partial, incremental, and reversal authorizations.

Handle transactions

Learn how to handle refunds and other types of transaction captures.

Dispute transactions

Learn about submitting and tracking disputes.

Features

Flexible spending controls: Set dynamic spending limits, merchant category restrictions, and geographic controls.
Real-time authorizations: View and control authorization requests as they happen, using webhooks.
Digital wallets: Add physical or virtual cards to mobile wallets such as Apple Pay or Google Pay through manual provisioning, in-app push provisioning, or web push provisioning.
Multi-currency support: Issue cards in multiple currencies.
Automatic reconciliation: Simplify accounting with automated transaction categorization.

Additional resources

How to earn revenue by issuing cards

Learn the basics of interchange revenue, how it’s calculated, and how Stripe can help you earn revenue.

Introduction to BaaS for SaaS platforms

Learn why you should embed financial services in your product, how to evaluate BaaS solutions, and how Stripe can help.

Charge card 101

Learn the ins-and-outs of building a charge card program and how Stripe can help.

Best practices for building a fintech company

Learn from four startups on how to design, build, and grow a successful fintech company.

Compliance fundamentals for fintechs in the US

Learn about the basics of BaaS compliance for fintechs in the US.

Bank partnerships for Stripe BaaS

Learn from Gillian Wee about what the Financial Partnerships team looks for in bank partners at Stripe.

Merchant category codes (MCCs)

Learn what they are and how you can use them to enhance your card program.