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Finance automation

Platforms and marketplaces

Banking as a service

Developer tools

Finance automation

Finance automation

Platforms and marketplaces

Banking as a service

Start an integration

Products

Issuing cards

Overview

Get started

How Issuing works

Choose your card offering

Customize your program

Add funds to your card program

Cards

Manage cards

Digital wallets

Replacement cards

Address validation

Personalization designs

Testing and support

Testing physical cards

Controls

Spending controls

Advanced fraud tools

Real-time authorizations

Issuing Elements

Token Management

Funding

Purchases

Merchant categories

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)

Treasury

Business financing

Home Banking as a serviceIssuing cards

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

Sign upActivate test mode Issuing in the Dashboard.

Add fundsMake funds available in your Issuing balance for future card spend.

Create cardsCreate cardholders and issue virtual or physical cards.

Build a platformCreate separate connected accounts, each with their own balance and cards.

Add a logoCustomize physical cards with a company logo.

Test the integrationSimulate purchases in test mode before going live.

Manage cards

Set spending controlsSet rules on cards and cardholders to control spend.

Perform real-time authorizationsApprove or decline authorization requests in real time.

Add cards to digital walletsSpend cards with Apple Pay, Google Pay, or Samsung Pay.

Handle authorizationsLearn how to handle partial, incremental, and reversal authorizations.

Handle transactionsLearn how to handle refunds and other types of transaction captures.

Dispute transactionsLearn about submitting and tracking disputes.

Get Issuing cards supportGet support for self-service cards.

Guides

How to earn revenue by issuing cardsLearn the basics of interchange revenue, how it’s calculated, and how Stripe can help you earn revenue.

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

Charge card 101Learn the ins-and-outs of building a charge card program and how Stripe can help.

Best practices for building a fintech companyLearn from four startups on how to design, build, and grow a successful fintech company.

Compliance fundamentals for fintechs in the USLearn about the basics of BaaS compliance for fintechs in the US.

Bank partnerships for Stripe BaaSLearn 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.

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