Stripe Issuing is part of Stripe’s banking-as-a-service APIs that allows you to create, manage, and scale a commercial card program for your users without setup fees. You can get started quickly and programmatically control every detail of your program, from card design to approving transactions in real time. Many users build Stripe Issuing in conjunction with Stripe Treasury to attach cards to open loop wallets to offer their users additional money movement functionalities.
Issuing is currently available in the US, UK, and many European Economic Area (EEA) countries. Cards can be provided to individuals who reside in the same country where business is established. If your business is established in Europe, you can provide cards to individuals residing in EEA countries (this doesn’t include the UK). Read more about global issuing and see a full list of supported countries.
A common use case for Issuing is spend management, which enables customers to store funds on your platform and manage spending with branded cards.
Building blocks for financial offerings
Stripe Issuing provides the tools and components needed to build a full-featured financial offering for your customers.
We’ve partnered with multiple trusted banks to provide the banking-as-a-service infrastructure for you to build new financial service offerings.
We also partner with both Mastercard and Visa card networks so you can choose the network on which you want to issue cards. You can also issue cards on both networks.
With Stripe Connect, you onboard customers to your platform with connected accounts. For each of these connected accounts, you can create accountholders and provide cards to authorized users. The following diagram demonstrates a platform with a Stripe Issuing integration using an Issuing balance and a Treasury balance: