Build a card issuing program with a leading BaaS provider

With over 100 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.

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.


Issue custom cards in seconds

Get started easily with transparent pricing and no setup costs.

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

per virtual card


per standard, physical card

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

Learn more 


Dispute transactions on issued cards.


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

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 Commercial Credit Cards issued by Celtic Bank, a Utah-Chartered Industrial Bank, and Cross River Bank, Members FDIC. Certain features of card programs are subject to bank approval.