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Products

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How Issuing works

Choose your card offering

Customize your program

Add funds to your card program

Virtual cards

Physical cards

Choose your physical bundle

Order a custom bundle

Create a design

Manage cards

Digital wallets

Replacement cards

Controls

Spending controls

Advanced fraud tools

Real-time authorizations

Issuing Elements

Token Management

Funding

Purchases

Merchant categories

Get support for self-service cards

Issuing with Connect

Set up an Issuing and Connect integration

Update terms of service acceptance

Connect funding

Connected accounts, cardholders, and cards

Embed card management UI

Additional information

Choose a cardholder type

Customer support for Issuing and Treasury

Marketing guidance (Europe/UK)

Product and marketing compliance guidance (US)

Business financing

Connect financing

Issuing

Learn how to 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. Many users build Stripe Issuing alongside Stripe Treasury so they can attach cards to open loop wallets, and offer their users additional money movement options.

Get started

Activate test mode Issuing in the Dashboard.

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

Create cardholders and issue virtual or physical cards.

Build a platform

Create separate connected accounts, each with their own balance and cards.

Customize physical cards with a company logo.

Test the integration

Simulate purchases in test mode before going live.

Manage cards

Set spending controls

Set rules on cards and cardholders to control spend.

Perform real-time authorizations

Approve or decline authorization requests in real time.

Add cards to digital wallets

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

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.

Get Issuing cards support

Get support for self-service cards.

Guides

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.