Launch faster with a card issuing program built to scale
With more than 350 million cards created, Stripe Issuing is the preferred card issuance 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, with earned funds, or using stablecoin balances.
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 embedded financial services suite. Use Issuing with Stripe Treasury to offer accounts for storing, moving, and spending money.
Issuing for agents
Enable your agents to spend on the internet
Set guardrails and controls—agents operate securely within them.
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.
We found Stripe to be a very collaborative partner that had the flexibility to adapt its issuing processing stack to our business.
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.
With Bridge [and Stripe], we found a robust offering for our card issuing tech stack that enables greater flexibility and scalability, especially as we look to expand to more geographies and evolve our product faster.
Homeowners are reaching for a credit card to pay for a kitchen renovation or backyard upgrade because the tools to access their equity haven’t evolved. We’ve built the Better Home Equity Card [with Stripe Issuing] to fix that.
Services
Card issuing, on your terms. Keep control, or let Stripe handle the complexity.
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 agentic commerce, businesses use Issuing to launch a variety of consumer and commercial card programs.
Expense management platforms
Enable the businesses on your platform to issue expense cards to fund, control and manage spend.
Consumer credit and debit Private preview
Build loyalty and give cardholders flexible ways to spend—with digital wallet support and branded card experiences.
Software platforms
Expand your core services by offering businesses an expense management solution within your platform.
Fleet management
Issue cards for fuel and on-the-road expenses and get access to detailed transaction data for reporting.
Perks and rewards
Create a rewards program, so businesses on your platform can offer their employees workplace perks and a better way to manage expenses.
Travel
Instantly issue virtual cards to pay travel partners for customer bookings on your platform.
Stablecoin-backed cards
Launch localized card programs that spend from stablecoin balances—reducing cross-border fees and the complexity of expanding into new markets.
Issuing for agents
Equip agents with virtual cards to spend autonomously—with configurable spend controls, real-time authorization, and complete transaction visibility.
Support at every stage
Infrastructure for every size
Businesses on Stripe span every phase of growth—from pre-seed startups to global billion-dollar enterprises. 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 easy-to-use APIs.
Ready to get started?
Build a program to issue, distribute, and manage cards.
Pricing for every stage of growth
Whether you’re launching your first card or scaling to millions, choose the plan that fits.