Build physical and virtual card programmes that scale

From expense management to order fulfilment, Stripe Issuing allows you to easily create, manage, and grow a commercial card programme. Get started quickly and customise key details like card design and spend limits.

For fintech-focused businesses

Build a flexible card program for your business needs

We’ve taken the same approach to issuing that we took with payments – building easy-to-use features that simplify a traditionally complex process.

Launch a program in days

Process $1 or $1 million with the same easy-to-use API and no setup fees. Distribute cards in days and establish a program that can grow with you.

Program cards for your needs

Create cards that work exactly as you configured them. Make real-time decisions on charges, set spending limits or designate virtual cards for one-time use.

Earn a share of interchange

Reach a certain transaction volume threshold and get a percentage of the interchange revenue earned from all card purchases.

Operate across Stripe products

Move money within Stripe to bypass traditional transfer delays. Combine Issuing with Connect, Treasury, or Capital for a seamless way to fund cards.

Complete oversight

Customise your card programme

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, authorising a decision in real-time, blocking merchant categories, and confirming a transaction via SMS.

Precise controls

Real-time authorisation

Participate in the authorisation flow and make real-time decisions on every charge to maintain complete control over card transactions.

Consistent brand identity

Branded physical cards

Design your own branded cards and card carriers. Our team will handle card production, fulfillment, and shipping to get physical cards to users within three days and virtual cards instantly.

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.

Talk to our team to get started

Build a programme 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 Payments UK Limited, which is an electronic money institution authorised by the Financial Conduct Authority (firm reference number: 900461) for the issuing of electronic money and provision of payment services. Cards are issued under the Visa card scheme pursuant to a licence from Visa Europe Limited.