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Stripe Issuing allows you to customize your card program to fit your business needs. View your program details in the Dashboards Issuing settings.
A Bank Identification Number (BIN) is the six or eight digits at the beginning of a card number that identify both the card network and the bank that issues the card. We license a BIN for you when you create your card program. Most users have one BIN per Issuing setup.
Account ranges are the digits that immediately follow the BIN on a card number. For 6-digit BINs, these are the seventh to ninth digits on a card. For 8-digit BINs, the account range is the ninth digit on a card. BINs work together with account ranges to help acquirers identify the card issuer.
Set up your Issuing program on either a shared BIN or a dedicated BIN:
Card product type is a setting that affects the features available to you and your cardholders through Stripe Issuing. We recommend selecting a card product type based on the size of your business and what you purchase with the cards.
Card product type differs from card type. Card type usually indicates a different aspect of the card, such as whether its a credit or debit card.
Stripe offers four primary card product types:
| Type | Description | Best for |
|---|---|---|
| Visa Business | Helps small businesses and organizations separate business and personal expenses. This allows your business to manage cash flow. This includes business tooling like receipt capture and accounting software integrations. | Small businesses (less than 100 employees) that want to manage their business expenses, or platforms that serve small businesses. |
| Visa Business Signature | Same as Visa Business, with extra rewards and benefits. | Small businesses (less than 100 employees) that want rewards and protection benefits. |
| Commercial Corporate card | Helps employees pay their travel and entertainment (T&E) expenses securely. Provides granular spending information. | Mid-size businesses to large enterprises (100 or more employees) that primarily need to manage spend on travel and entertainment, or platforms that serve these businesses. |
| Commercial Fleet card | Provides payment solutions to manage all expenses generated by a vehicle fleet operation, including fuel, maintenance, and repairs. | Mid-size to large enterprises (100 or more employees) that manage fleet expenses, or platforms that serve these businesses. |
| Commercial Purchasing card | Expedites the procurement process and saves cost by eliminating the need to issue purchase orders for procurement, invoices, and checks. | Mid-size to large enterprises (100+ employees) with use cases that dont fit into Commercial Corporate or Commercial Fleet, or platforms that serve these businesses. |
The card product type you choose affects the type of data you receive for each transaction. For example:
Set up multiple card product types on Stripe if more than one card product type is relevant for your business. You cant use multiple card product types if you set up a Business card.
Stripe supports both the Mastercard and Visa card networks. When you onboard to Issuing, you decide which card network to issue cards with. The card network you choose becomes your default network. To change your default network at any time, contact Stripe Support.
You can issue cards on both Mastercard and Visa at the same time.
Only Issuing customers can join this preview. To request access to the preview, contact Stripe Support.
When you set up your Issuing program, you need to choose how you want to fund the cards. Choose your funding type based on your card product type and your liquidity options. Stripe offers two options that support a variety of business needs:
| Prepaid | Credit | |
|---|---|---|
| Details | Card balances are pre-funded into an account thats reloaded by the platform (in case of a direct integration), or by a connected account, as often as necessary. | Card balances are linked to an external credit account. |
| Best for | Pre-loading balances without an attached checking account. | Pre-loading balances with an attached external credit account. |
| Supported card product types |
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All cards issued through Stripe have available default and optional cardholder benefits.
By default, your cardholders receive automatically-included benefits that vary depending on your programs card product type.
This table refers to Visa benefits only. For information about MasterCard benefits, contact Stripe Support or your account manager.
| Card product type | Included benefits |
|---|---|
| Visa Business |
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| Visa Business Signature |
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Commercial Corporate Commercial Purchasing Commercial Fleet |
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All programs require the following services be provided to cardholders. You can offer the service to your cardholders yourself, or use the card networks offering for a usage-based fee.
When setting up your program, you can also choose to provide one or more additional, non-standard benefits from the list below. Optional benefits can help drive cardholder transactions in the categories you want to incentivize spend for. These benefits incur a per-active-card fee when used that Stripe passes on to you. After you select the benefits you want to enroll your program in, your Stripe account or support partner works with you to provide additional details and make sure the benefits are set up properly.
Optional benefits are available to you through a third-party Stripe network partner. Enrollment isnt effective until you receive confirmation from Stripe or our benefits partner. Certain terms, conditions, and exclusions apply.
| Card product type | Optional benefits |
|---|---|
| Visa Business |
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| Visa Business Signature |
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Commercial Corporate Commercial Purchasing Commercial Fleet |
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To make sure that your cardholders use benefits and get value from them, you need to communicate with them about benefit details. Our card network provider must review and approve all marketing materials or cardholder-facing terms before publishing. We work with you during the approval process by supplying you with sample, pre-approved messaging if you dont draft your own. This is a required step to launching a benefits program. The review process can take 5-7 business days.
Although Stripe doesnt provide rewards on any of its issued cards, you can set up your own rewards program on any of the cards you issue through us. Of the card product types Stripe offers, rewards are only a requirement for Visa Business Signature. The only requirement before going live is to make sure that our card network partner has reviewed and signed off on the reward terms and promotion details.
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