Working with Stripe Issuing cards

Request the card_issuing account capability for the connected accounts on your platform and provide the required information for onboarding.

curl https://api.stripe.com/v1/accounts/{{CONNECTED_ACCOUNT_ID}} \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -d "capabilities[treasury][requested]"=true \
  -d "capabilities[card_issuing][requested]"=true \
  -d "capabilities[transfers][requested]"=true

If successful, the response returns the connected account Account object with the capabilities hash listing the requested capabilities as active.

If you haven’t already, also request access to the card_issuing feature on the financial account.

curl https://api.stripe.com/v1/treasury/financial_accounts/
{{FINANCIAL_ACCOUNT_ID}} \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d "treasury[access][requested]"=true \
  -d "card_issuing[access][requested]"=true

If successful, the response returns the financial account object with the features listed in the active_features or pending_features array.

After the card_issuing capability is active, the sellers and service providers that own your platform’s connected accounts can create cardholders and cards. You can issue cards only through the API.

A Cardholder object represents an individual or business entity that you can issue cards to. You can begin by creating a Cardholder with name, billing information, and whether they’re an individual or company.

curl https://api.stripe.com/v1/issuing/cardholders \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d name="Jenny Rosen" \
  --data-urlencode email="jenny.rosen@example.com" \
  --data-urlencode phone_number="+18008675309" \
  -d status=active \
  -d type=individual \
  -d "individual[first_name]"=Jenny \
  -d "individual[last_name]"=Rosen \
  -d "individual[dob][day]"=1 \
  -d "individual[dob][month]"=11 \
  -d "individual[dob][year]"=1981 \
  -d "billing[address][line1]"="1234 Main Street" \
  -d "billing[address][city]"="San Francisco" \
  -d "billing[address][state]"=CA \
  -d "billing[address][postal_code]"=94111 \
  -d "billing[address][country]"=US

If successful, the response returns the newly created Cardholder object.

Create a Card and assign it to both the Cardholder you just created and a financial account. To assign the cardholder and financial account, specify the cardholder ID in the cardholder parameter and the financial account ID in the financial_account parameter of the /v1/issuing/cards request.

curl https://api.stripe.com/v1/issuing/cards \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d cardholder={{CARDHOLDER_ID}} \
  -d financial_account=
{{FINANCIAL_ACCOUNT_ID}} \
  -d currency=usd \
  -d type=virtual \
  -d status=active

If successful, the response returns the newly created Card object.

Review the Issuing authorizations guide to properly handle authorizations.

Create test authorizations

You can test the cards you just issued by following the steps in Testing Issuing to simulate purchases.

If the financial account associated with the issued card has outbound_flows restricted, authorizations on the card aren’t allowed.

See the Issuing transactions guide for information on different transaction types you might test against.

See the Issuing transactions guide to learn how to handle refunds and captures.

See the Issuing disputes guide to learn how to properly handle disputes.