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Build physical and virtual card programs that scale

From expense management to order fulfillment, Stripe Issuing allows you to easily create, manage, and grow a commercial card program. Get started quickly and customize 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.

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.

Will Kim, Co-CEO and Cofounder

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

Mackenzie Burnett, CEO and Cofounder

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.

Precise controls

Real-time authorization

Participate in the authorization 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.

Pricing

Issue custom cards in seconds

Get started easily with transparent pricing and no setup costs.

Standard

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
€0.10 per virtual card
€3 per physical card

Card transactions

Set custom controls for every transaction and update them at any time.

  • Flexible API to manage cards
  • Dynamic spend controls
  • Real-time authorizations
  • Enhanced transaction data
Included
for the first 500.000 € in card transactions
0,2 % + 0,20 € per transaction after that

Disputes

Dispute transactions on issued cards.

€15 per lost dispute

International payments

Issuing is available in 20 countries. Additional fees apply for international cards and currency conversion.

1% + €0.30 for cross border transactions
If currency conversion is required, an additional 2% fee will apply

Customized

Contact sales 

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 Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865) for the issuing of electronic money and provision of payment services. Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited.