---
title: Working with Stripe Issuing cards
subtitle: Learn how to integrate Stripe Issuing with Treasury.
route: /treasury/account-management/issuing-cards
---

# Working with Stripe Issuing cards

Learn how to integrate Stripe Issuing with Treasury.

[Stripe Issuing](https://docs.stripe.com/issuing.md) lets you create physical and virtual cards using a financial account as the source of funds.

## Enable Issuing on connected accounts

Request the `card_issuing` [account capability](https://docs.stripe.com/connect/account-capabilities.md) for the connected accounts on your platform and provide the [required information](https://docs.stripe.com/issuing/connect.md#required-verification-information) for onboarding.

If successful, the response returns the connected account [`Account` object](https://docs.stripe.com/api/accounts/object.md) 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.

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

## Create a card

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](https://docs.stripe.com/api/.md#issuing_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`.

```dotnet
StripeConfiguration.ApiKey = "<<secret key>>";

var options = new Stripe.Issuing.CardholderCreateOptions
{
    Name = "Jenny Rosen",
    Email = "jenny.rosen@example.com",
    PhoneNumber = "+18008675309",
    Status = "active",
    Type = "individual",
    Individual = new Stripe.Issuing.CardholderIndividualOptions
    {
        FirstName = "Jenny",
        LastName = "Rosen",
        Dob = new Stripe.Issuing.CardholderIndividualDobOptions
        {
            Day = 1,
            Month = 11,
            Year = 1981,
        },
    },
    Billing = new Stripe.Issuing.CardholderBillingOptions
    {
        Address = new AddressOptions
        {
            Line1 = "1234 Main Street",
            City = "San Francisco",
            State = "CA",
            PostalCode = "94111",
            Country = "US",
        },
    },
};
var service = new Stripe.Issuing.CardholderService();
Stripe.Issuing.Cardholder cardholder = service.Create(options);
```

```go
stripe.Key = "<<secret key>>"

params := &stripe.IssuingCardholderParams{
  Name: stripe.String("Jenny Rosen"),
  Email: stripe.String("jenny.rosen@example.com"),
  PhoneNumber: stripe.String("+18008675309"),
  Status: stripe.String(string(stripe.IssuingCardholderStatusActive)),
  Type: stripe.String(string(stripe.IssuingCardholderTypeIndividual)),
  Individual: &stripe.IssuingCardholderIndividualParams{
    FirstName: stripe.String("Jenny"),
    LastName: stripe.String("Rosen"),
    DOB: &stripe.IssuingCardholderIndividualDOBParams{
      Day: stripe.Int64(1),
      Month: stripe.Int64(11),
      Year: stripe.Int64(1981),
    },
  },
  Billing: &stripe.IssuingCardholderBillingParams{
    Address: &stripe.AddressParams{
      Line1: stripe.String("1234 Main Street"),
      City: stripe.String("San Francisco"),
      State: stripe.String("CA"),
      PostalCode: stripe.String("94111"),
      Country: stripe.String("US"),
    },
  },
};
result, err := cardholder.New(params);
```

```java
Stripe.apiKey = "<<secret key>>";

CardholderCreateParams params =
  CardholderCreateParams.builder()
    .setName("Jenny Rosen")
    .setEmail("jenny.rosen@example.com")
    .setPhoneNumber("+18008675309")
    .setStatus(CardholderCreateParams.Status.ACTIVE)
    .setType(CardholderCreateParams.Type.INDIVIDUAL)
    .setIndividual(
      CardholderCreateParams.Individual.builder()
        .setFirstName("Jenny")
        .setLastName("Rosen")
        .setDob(
          CardholderCreateParams.Individual.Dob.builder()
            .setDay(1L)
            .setMonth(11L)
            .setYear(1981L)
            .build()
        )
        .build()
    )
    .setBilling(
      CardholderCreateParams.Billing.builder()
        .setAddress(
          CardholderCreateParams.Billing.Address.builder()
            .setLine1("1234 Main Street")
            .setCity("San Francisco")
            .setState("CA")
            .setPostalCode("94111")
            .setCountry("US")
            .build()
        )
        .build()
    )
    .build();

Cardholder cardholder = Cardholder.create(params);
```

```node
const stripe = require('stripe')('<<secret key>>');

const cardholder = await stripe.issuing.cardholders.create({
  name: 'Jenny Rosen',
  email: 'jenny.rosen@example.com',
  phone_number: '+18008675309',
  status: 'active',
  type: 'individual',
  individual: {
    first_name: 'Jenny',
    last_name: 'Rosen',
    dob: {
      day: 1,
      month: 11,
      year: 1981,
    },
  },
  billing: {
    address: {
      line1: '1234 Main Street',
      city: 'San Francisco',
      state: 'CA',
      postal_code: '94111',
      country: 'US',
    },
  },
});
```

```python
import stripe
stripe.api_key = "<<secret key>>"

cardholder = stripe.issuing.Cardholder.create(
  name="Jenny Rosen",
  email="jenny.rosen@example.com",
  phone_number="+18008675309",
  status="active",
  type="individual",
  individual={
    "first_name": "Jenny",
    "last_name": "Rosen",
    "dob": {"day": 1, "month": 11, "year": 1981},
  },
  billing={
    "address": {
      "line1": "1234 Main Street",
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94111",
      "country": "US",
    },
  },
)
```

```php
$stripe = new \Stripe\StripeClient('<<secret key>>');

$cardholder = $stripe->issuing->cardholders->create([
  'name' => 'Jenny Rosen',
  'email' => 'jenny.rosen@example.com',
  'phone_number' => '+18008675309',
  'status' => 'active',
  'type' => 'individual',
  'individual' => [
    'first_name' => 'Jenny',
    'last_name' => 'Rosen',
    'dob' => [
      'day' => 1,
      'month' => 11,
      'year' => 1981,
    ],
  ],
  'billing' => [
    'address' => [
      'line1' => '1234 Main Street',
      'city' => 'San Francisco',
      'state' => 'CA',
      'postal_code' => '94111',
      'country' => 'US',
    ],
  ],
]);
```

```ruby
Stripe.api_key = '<<secret key>>'

cardholder = Stripe::Issuing::Cardholder.create({
  name: 'Jenny Rosen',
  email: 'jenny.rosen@example.com',
  phone_number: '+18008675309',
  status: 'active',
  type: 'individual',
  individual: {
    first_name: 'Jenny',
    last_name: 'Rosen',
    dob: {
      day: 1,
      month: 11,
      year: 1981,
    },
  },
  billing: {
    address: {
      line1: '1234 Main Street',
      city: 'San Francisco',
      state: 'CA',
      postal_code: '94111',
      country: 'US',
    },
  },
})
```

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

Create a [Card](https://docs.stripe.com/api/.md#issuing_card_object) 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.

```dotnet
StripeConfiguration.ApiKey = "<<secret key>>";

var options = new Stripe.Issuing.CardCreateOptions
{
    Cardholder = "{{CARDHOLDER_ID}}",
    FinancialAccount = "<<treasuryFinancialAccount>>",
    Currency = "usd",
    Type = "virtual",
    Status = "active",
};
var service = new Stripe.Issuing.CardService();
Stripe.Issuing.Card card = service.Create(options);
```

```go
stripe.Key = "<<secret key>>"

params := &stripe.IssuingCardParams{
  Cardholder: stripe.String("{{CARDHOLDER_ID}}"),
  FinancialAccount: stripe.String("<<treasuryFinancialAccount>>"),
  Currency: stripe.String(string(stripe.CurrencyUSD)),
  Type: stripe.String(string(stripe.IssuingCardTypeVirtual)),
  Status: stripe.String(string(stripe.IssuingCardStatusActive)),
};
result, err := card.New(params);
```

```java
Stripe.apiKey = "<<secret key>>";

CardCreateParams params =
  CardCreateParams.builder()
    .setCardholder("{{CARDHOLDER_ID}}")
    .setFinancialAccount("<<treasuryFinancialAccount>>")
    .setCurrency("usd")
    .setType(CardCreateParams.Type.VIRTUAL)
    .setStatus(CardCreateParams.Status.ACTIVE)
    .build();

Card card = Card.create(params);
```

```node
const stripe = require('stripe')('<<secret key>>');

const card = await stripe.issuing.cards.create({
  cardholder: '{{CARDHOLDER_ID}}',
  financial_account: '<<treasuryFinancialAccount>>',
  currency: 'usd',
  type: 'virtual',
  status: 'active',
});
```

```python
import stripe
stripe.api_key = "<<secret key>>"

card = stripe.issuing.Card.create(
  cardholder="{{CARDHOLDER_ID}}",
  financial_account="<<treasuryFinancialAccount>>",
  currency="usd",
  type="virtual",
  status="active",
)
```

```php
$stripe = new \Stripe\StripeClient('<<secret key>>');

$card = $stripe->issuing->cards->create([
  'cardholder' => '{{CARDHOLDER_ID}}',
  'financial_account' => '<<treasuryFinancialAccount>>',
  'currency' => 'usd',
  'type' => 'virtual',
  'status' => 'active',
]);
```

```ruby
Stripe.api_key = '<<secret key>>'

card = Stripe::Issuing::Card.create({
  cardholder: '{{CARDHOLDER_ID}}',
  financial_account: '<<treasuryFinancialAccount>>',
  currency: 'usd',
  type: 'virtual',
  status: 'active',
})
```

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

## Handle authorizations

Review the [Issuing authorizations](https://docs.stripe.com/issuing/purchases/authorizations.md) guide to properly handle authorizations.

### Create test authorizations

You can test the cards you just issued by following the steps in [Testing Issuing](https://docs.stripe.com/issuing/testing.md) to simulate purchases.

If the financial account associated with the issued card has [outbound_flows](https://docs.stripe.com/api/treasury/financial_accounts/create.md#create_financial_account-platform_restrictions-outbound_flows) restricted, authorizations on the card aren’t allowed.

See the [Issuing transactions](https://docs.stripe.com/issuing/purchases/transactions.md#handling-other-transactions) guide for information on different transaction types you might test against.

## Handle captures and refunds

See the [Issuing transactions](https://docs.stripe.com/issuing/purchases/transactions.md) guide to learn how to handle refunds and captures.

## Handle disputes

See the [Issuing disputes](https://docs.stripe.com/issuing/purchases/disputes.md) guide to learn how to properly handle disputes.