Sign in 

Launch faster with a card issuing program built to scale

With over 200 million cards created, Stripe Issuing is the preferred banking-as-a-service infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises.

For fintech-focused businesses

Card programs tailored to your needs

Process $1 or $1M with the same easy-to-use APIs. Our compliance-first card programs are designed to help you get started quickly and support you as you scale.

Offer spend or charge cards

Build an expense management program that allows businesses to spend on credit or with earned funds.

Build with compliance first

Rely on Stripe’s bank partners, experienced compliance team, and regulatory expertise as you build your product.

Earn revenue

With flexible pricing options, you can earn a share of interchange revenue from every purchase on your cards.

Build a financial hub

Simplify your infrastructure with our banking-as-a-service suite. Use Issuing with Stripe Treasury to offer accounts for storing, moving, and spending money.

Complete oversight

Customize your card program

With dynamic controls and easy-to-use APIs, programmatically adjust every detail of your card offering. You can manage spend and fraud by setting spending limits, authorizing a decision in real-time, blocking merchant categories, and confirming a transaction via SMS.

By building across Stripe's payments and banking-as-a-service infrastructure, we've been able to give Shopify merchants access to critical financial products that meet their needs, like faster access to funds and rewards, helping them further grow their businesses.

Tui Allen, Senior Product Lead for Banking

Building a charge card program is a daunting task. Stripe provided immense value in planning and launching our program quickly, with a compliance-first design that we're confident can scale to meet Ramp's needs.

Michael Cohen, Vice President of Partnerships

In less than three weeks, we were able to get up and running. You would spend at least three months with any other vendor or bank. Speed is everything, and Stripe understands that.

Will Kim, Co-CEO and Cofounder

We built Ambrook Wallet with one engineer. Providing this type of financial accessibility and the type of tools for our users wouldn't be possible without a lot of the work that has been done by Stripe. [Stripe] is enabling our team to build something that is creative, experimental, interesting, and in alignment with the mission that we care about

Mackenzie Burnett, CEO and Cofounder

Services

Choose your Issuing journey

There are two models to get started with Issuing: comprehensive program management and modular issuer processing. Whether you want to rely on Stripe’s bank partners to power your card programs or prefer to maintain direct banking relationships or licensing while relying on Stripe’s powerful infrastructure, we have the right option for you.

Stripe program management

Stripe handles key aspects of the card issuing process. Rely on Stripe’s bank partners, experienced compliance team, and regulatory expertise as you build your product. This allows you to focus on a smooth launch and scaling your business, so you can offload the complexities of issuing banks and relationships with card networks to Stripe.

Stripe processing only

With Stripe as the processor, you will maintain full control of your banking relationships or use your own licenses while using Stripe’s reliable transaction processing. This modular design lets you add value-added services, such as physical cards or dispute management, giving you more flexibility in managing your operations.

Power with credit

Cards with credit options

Stripe Issuing streamlines the compliance workflows and banking relationships needed to launch a charge card. Customize individual credit limits and repayment schedules via our API, and use Stripe’s no-code and embeddable payment products to easily collect repayments.

Support across industries

Use cases for Stripe Issuing

From expense management to order fulfillment, businesses use Issuing in a variety of ways.

Expense management platforms

Enable the businesses on your platform to issue expense cards to fund, control and manage spend.

Fleet management

Issue cards for fuel and on-the-road expenses and get access to detailed transaction data for reporting.

Software platforms

Expand your core services by offering your users an expense management solution within your platform.

Travel

Instantly issue virtual cards to pay travel partners for customer bookings on your platform.

Perks and rewards

Build a rewards program so your users can offer their employees workplace perks and a better way to manage expenses.

Support at every stage

Infrastructure for every size

Our users span every phase of growth, from pre-seed startups to global billion-dollar businesses. We’ve built Issuing so any business—no matter its size—can use the same future-proof infrastructure.

Touchless transactions

Digital wallet support

Cardholders can load virtual and physical cards into their digital wallets to enable instant and secure access to funds, however they choose to pay—online, in-app, or in-store.

Pricing

Issue custom cards in seconds

Get started easily with transparent pricing and no setup costs.

Standard

Card creation

Create and issue cards instantly and get branded physical cards shipped in as little as three days.

  • Branded card designs
  • Issue cards through Connect
  • Multiple shipping options
  • Push provisioning to digital wallets
10¢

per virtual card
$3.50

per standard, physical card

Custom cards subject to additional pricing. Shipping rates not included.
Learn more 

Disputes

Dispute transactions on issued cards.

$15.00

per dispute

Exclusions apply, subject to applicable Law. Connect users may not pass dispute fees to Connected Accounts.

International payments

Issuing is available in 20 countries. Additional fees apply for international cards and currency conversion.

1% + 30¢

for cross border transactions

If currency conversion is required, an additional 1% fee will apply

Customized

Contact sales 

Custom economics

If you’re a business with a large transaction volume or unique business model, reach out to discuss custom economics and interchange revenue sharing.

Revenue share available

Talk to our team to get started

Build a program to issue, distribute, and manage physical and virtual cards for your users.

Add money accounts

Enable users to hold funds, pay bills, earn yield, and manage cash flow alongside your cards.

Offer access to capital

Help your customers access the funds they need to accelerate growth with fast and flexible financing.

Cards offered through Stripe Issuing are issued by Stripe’s bank partners pursuant to licenses from Visa and Mastercard. Visa and Mastercard Commercial Credit Cards issued by Celtic Bank and Cross River Bank, Members FDIC. Visa and Mastercard Commercial Prepaid Cards are issued by Sutton Bank and Evolve Bank & Trust, Members FDIC. Certain features of card programs are subject to bank approval.

Contact sales  Explore the docs