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Online payments
Merchant of record solution
No-code payments
Prebuilt payment UIs
Flexible UI components
Access to 125+
In-person payments
Acceptance optimisations
Accelerated checkout
Linked financial account data
See what's ahead
Fraud prevention
Start-up incorporation
Carbon removal
Online identity verification
[Sessions Background]
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.
Process $1 or $1M with the same easy-to-use APIs. Our compliance-first card programmes are designed to help you get started quickly and support you as you scale.
Build an expense management program that allows businesses to spend on credit, with earned funds, or using stablecoin balances.
Rely on Stripes bank partners, experienced compliance team, and regulatory expertise as you build your product.
With flexible pricing options, you can earn a share of interchange revenue from every purchase on your cards.
Simplify your infrastructure with our embedded financial services suite. Use Issuing with Stripe Treasury to offer accounts for storing, moving and spending money.
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.
Building a charge card programme is a daunting task. Stripe provided immense value in planning and launching our program quickly, with a compliance-first design that we're confident can scale to meet Ramp's needs.
, Vice President of Partnerships
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.
, Co-CEO and Co-founder
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.
, President and Cofounder
By building across Stripe's payments and banking-as-a-service infrastructure, we've been able to give Shopify merchants access to critical financial products that meet their needs, like faster access to funds and rewards, helping them further grow their businesses.
, Senior Product Lead for Banking
There are two models to get started with Issuing: comprehensive programme management and modular issuer processing. Whether you want to rely on Stripes bank partners to power your card programmes or prefer to maintain direct banking relationships or licensing while relying on Stripes powerful infrastructure, we have the right option for you.
Stripe handles key aspects of the card issuing process. Rely on Stripes 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.
With Stripe as the processor, you will maintain full control of your banking relationships or use your own licences while using Stripes 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.
Stripe Issuing streamlines the compliance workflows and banking relationships needed to launch a charge card. Customise individual credit limits and repayment schedules via our API, and use Stripes no-code and embeddable payment products to easily collect repayments.
Our users span every phase of growth, from pre-seed startups to global billion-dollar businesses. Weve built Issuing so any business no matter its size can use the same future-proof infrastructure.
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.
Get started easily with transparent pricing and no setup costs.
Create and issue cards instantly and get branded physical cards shipped in as little as three days.
per virtualcard
3.50per standard, physicalcard
Custom cards subject to additional pricing. Shipping rates not included.
Set custom controls for every transaction and update them at any time.
for the first 500,000 in card transactions
0.2 % + 0.20 per transaction after that
Dispute transactions on issued cards.
perdispute
Exclusions apply, subject to applicable Law. Connect users may not pass dispute fees to Connected Accounts.
Issuing is available in 20+ countries. Additional fees apply for international cards and currency conversion.
for cross-border transactions
If currency conversion is required, an additional 2% fee will apply
If youre a business with a large transaction volume or unique business model, reach out to discuss custom economics and interchange revenue sharing.
Revenue shareavailable
Build a programme to issue, distribute, and manage physical and virtual cards for your users.
Enable users to hold funds, pay bills, earn yield, and manage cash flow alongside your cards.
Help your customers access the funds they need to accelerate growth with fast and flexible financing.
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