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.
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.
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.
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
Support across industries
Use cases for Stripe Issuing
From expense management to order fulfillment, businesses use Issuing in a variety of ways.
Expense management
Offer an expense management card with credit options to expand your core services and become a one-stop shop for your users.
Fleet management
Help businesses with fuel and on-the-road expenses with access to detailed transaction data for reporting.
On-demand marketplaces
Spin up on-demand courier cards so delivery drivers can buy groceries or goods to fulfill your customers’ orders.
Online travel agencies
Complete orders with travel partners via virtual cards whenever a customer books on your platform.
Perks and rewards
Build a program that your customers can offer their employees as part of their workplace benefits.
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.
Infrastructure for every size
Support at every stage
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.
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.