Stripe Issuing

Best for: Regulated or enterprise workloads - compliance attestations and an enterprise plan; AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You need to start building today without contacting sales; You want to try it free before paying

Pricing model

Usage-based [2]stripe.com/issuing“If you're a business with a large transaction volume or unique business model, reach out to discuss custom economics and interchange revenue sharing.”stripe.com/pricing“$0.10 per virtual card; $3.50 per standard, physical card; $15.00 per dispute; 1% + 30¢ for cross-border transactions; + 1% if currency conversion is required”

Published pricing

✓ Yes [3]stripe.com/issuing“10¢ per virtual card. $3.50 per standard, physical card. Disputes: $15.00 per dispute. International payments: 1% + 30¢ for cross border transactions.”stripe.com/pricing“$0.10 per virtual card ... $3.50 per standard, physical card ... $15.00 per dispute”

Free tier

✗ No

Self-serve signup

✗ No [4]docs.stripe.com/issuing/onboarding-overview“Submit an intake form at https://stripe.com/contact/sales ... Stripe team assesses whether your use case is supported ... determines supportability within 5 business days”stripe.com/contact/baas“Thank you for your interest in Stripe Issuing, Treasury, and Capital. Please fill out the form to tell us more about your needs, so we can better understand how to support your business.”

Requires sales call

✓ Yes [5]docs.stripe.com/issuing/compliance-us“Before onboarding your first connected accounts, you must complete the following: Application Flow must include bank disclosures, required agreements, required KYC fields, and Stripe Compliance approval”docs.stripe.com/issuing/onboarding-overview“Submit an intake form ... Account representative outreach (within 5 days): Stripe team assesses whether your use case is supported, discusses your use case and motivation”

Enterprise plan

✓ Yes [6]stripe.com/issuing“If you're a business with a large transaction volume or unique business model, reach out to discuss custom economics and interchange revenue sharing.”stripe.com/support-plans“Enterprise: Technical partnership and advocacy for businesses that want dedicated support from a team of financial infrastructure experts.”

• Virtual cards
• Physical cards
• Spend controls
• BIN sponsorship
• Credit programs
• Push provisioning
• Multi-region

Supported actions

issue_virtual_card, issue_physical_card, spend_controls, authorization_stream, real_time_authorizations, partial_authorizations, incremental_authorizations, authorization_reversals, cardholder_management, card_lifecycle_management, card_pin_management, dispute_management, transaction_reconciliation, push_provisioning, 3ds, balance_funding, interchange_revenue_sharing, multi_capture, force_capture, over_capture, custom_card_designs, digital_wallet_provisioning, program_management, real_time_webhooks, connect_platform_issuing, stablecoin_backed_cards [7]docs.stripe.com/issuing/controls/spending-controls“Spending controls can restrict transactions based on: Merchant Categories, Countries, Merchant IDs, Card Presence, Spending Limits”docs.stripe.com/issuing/cards/digital-wallets“Stripe Issuing supports digital wallet integration with platform-specific guides for iOS (Apple Pay), Android (Google Pay and Samsung Pay), React Native”docs.stripe.com/issuing/controls/real-time-authorizations“Real-time authorizations allow you to approve or decline Stripe Issuing card transactions synchronously via webhooks before they complete.”

Regions

US, GB, AT, BE, CA, CY, DE, EE, ES, FI, FR, GR, HR, IE, IT, LT, LU, LV, MT, NL, PT, SI, SK, 40+ countries via cross-border/multinational programs, 30+ countries via stablecoin-backed cards (Latin America, Caribbean, Africa - private preview) [8]docs.stripe.com/issuing/global“Stripe Issuing is live with local issuance in 22 countries: AT, BE, CA, CY, DE, EE, ES, FI, FR, GB, GR, HR, IE, IT, LT, LU, LV, MT, NL, PT, SI, SK, US”docs.stripe.com/issuing/global“Supports Visa's Multinational Program and Mastercard's Extension of Area of Use — available in over 40 countries for US multinational company subsidiaries”

Input types

Visa, Mastercard, virtual, physical, debit, credit, prepaid, commercial, consumer [9]stripe.com/issuing“Virtual cards: Instant issuance available. Physical cards: Branded card designs with multiple shipping options, deliverable in as little as three days.”docs.stripe.com/issuing/compliance-us“[Card Program Name] Visa® Commercial cards are powered by Stripe and issued by [Celtic Bank/Cross River Bank]. ... Charge Cards are issued by [Cross River Bank/Fifth Third Bank], Member FDIC. ... [Card Program Name] Debit Cards are issued by [Cross River Bank], Member FDIC.”

Output types

JSON, webhook events, card tokens, authorization events, transaction data, card number and CVC via API, balance transactions, dispute records, audit logs

Webhooks

✓ Yes [10]docs.stripe.com/issuing/controls/real-time-authorizations“Event Type: issuing_authorization.request ... Set up in Stripe Dashboard Settings ... Timeout: 2-second response deadline.”

Sandbox / test mode

✓ Yes [11]docs.stripe.com/issuing“Test the integration: Simulate test purchases before going live.”

SDK languages

Node.js, Python, Ruby, PHP, Java, Go, .NET [12]docs.stripe.com/sdks“Stripe provides official client libraries for Ruby, Python, Go, Java, Node.js (JavaScript), PHP, .NET (C#)”

MCP server

✓ Yes [13]docs.stripe.com/mcp“The Stripe Model Context Protocol (MCP) server provides a set of tools that AI agents can use to interact with the Stripe API and search the knowledge base”

SOC 2

SOC 2 Type II [14]docs.stripe.com/security“SOC 2 Type II - Produced annually, available upon request”

HIPAA

– Unknown [15]docs.stripe.com/security“PCI Service Provider Level 1 - The most stringent level of certification available in the payments industry”

GDPR

✓ Yes [16]stripe.com/privacy“For purposes of the General Data Protection Regulation (GDPR) and other applicable data protection laws, we rely on a number of legal bases to process your Personal Data.”stripe.com/privacy“Stripe, LLC complies with the EU-U.S. Data Privacy Framework ("EU-U.S. DPF"), the UK Extension to the EU-U.S. DPF, and the Swiss-U.S. Data Privacy Framework.”

ISO 27001

– Unknown [17]docs.stripe.com/security“PCI Service Provider Level 1 - The most stringent level of certification available in the payments industry”

PCI DSS

✓ Yes [18]docs.stripe.com/security“PCI Service Provider Level 1 - The most stringent level of certification available in the payments industry”

Published SLA

✗ No

Rate limits

Live mode: 100 requests per second (global); Sandbox: 25 requests per second; Individual endpoints: 25 requests per second. Card creation limits depend on the account's country and industry. HTTP 429 returned when exceeded. [19]docs.stripe.com/rate-limits“Live mode: 100 requests per second. Sandbox: 25 requests per second. Individual API endpoints (default): 25 requests per second.”

Known restrictions

Stripe acts as program manager using its own sponsor banks (Celtic Bank, Cross River Bank, Sutton Bank, Fifth Third Bank) - customers do NOT need to bring their own sponsor bank, PCI DSS Service Provider Level 1, Issuing only supports Custom connected accounts (platform owns loss liability and requirement collection), Consumer credit issuing is in private preview (US only), Stablecoin-backed cards in private preview, Compliance review required before launching any card program (Stripe compliance must approve application flow, marketing, and UI - up to 10 business days), Physical custom cards require minimum order of 2,500 cards, Real-time authorization webhook has 2-second response timeout, 3DS in the US is opt-in (not default); in UK/EU it is mandatory (SCA), Program approval and underwriting required before going live - requires sales intake and Stripe representative engagement, not instant self-serve for live card issuance, Custom card designs subject to additional pricing; shipping rates not included in standard physical card fee, Connect users may not pass dispute fees to Connected Accounts [20]docs.stripe.com/issuing/compliance-us“[Card Program Name] Visa® Commercial cards are powered by Stripe and issued by [Celtic Bank/Cross River Bank]. ... Charge Cards are issued by [Cross River Bank/Fifth Third Bank], Member FDIC.”stripe.com/pricing“Custom cards subject to additional pricing. Shipping rates not included. Connect users may not pass dispute fees to Connected Accounts.”docs.stripe.com/issuing/connect“Issuing only supports 'Custom' connected accounts where: the platform is responsible for requirements collection; the platform owns loss liability; no Stripe-hosted Dashboard is used by connected accounts”

• Docs
• API reference
• llms.txt
• Changelog
• Status page

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://api.stripe.com/v1

Version

2026-05-27.dahlia

Versioning

header

Stability

ga

Auth methods

api_key

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

hmac_sha256

Rate limit

100 / second

SDKs

• Node.js stripe · repo
• Python stripe · repo
• Ruby stripe · repo
• PHP stripe/stripe-php · repo
• Java com.stripe:stripe-java · repo
• Go github.com/stripe/stripe-go · repo
• .NET Stripe.net · repo

• Auth docs
• Quickstart
• MCP server
• Webhook events
• Deprecation policy

Launched

2018-07-26

GA

2018-07-26

Notable customers

Ramp, Shopify, Wayflyer

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Swan

  "The easiest way to embed banking features into your product."

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Adyen Issuing

  "Get everything you need to create and manage your card program with our financial technology platform."

  Sales-led

• Marqeta

  "We are the world's first modern card issuing platform" - enabling any company to deliver delightful payment experiences natively.

  Sales-led · self-serve

Stripe Issuing alternatives · Stripe Issuing vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: stripe.com
2. ↑Pricing model: stripe.com · stripe.com
3. ↑Published pricing: stripe.com · stripe.com
4. ↑Self-serve signup: docs.stripe.com · stripe.com
5. ↑Requires sales call: docs.stripe.com · docs.stripe.com
6. ↑Enterprise plan: stripe.com · stripe.com
7. ↑Supported actions: docs.stripe.com · docs.stripe.com · docs.stripe.com
8. ↑Regions: docs.stripe.com · docs.stripe.com
9. ↑Input types: stripe.com · docs.stripe.com
10. ↑Webhooks: docs.stripe.com
11. ↑Sandbox: docs.stripe.com
12. ↑SDK languages: docs.stripe.com
13. ↑MCP server: docs.stripe.com
14. ↑SOC 2: docs.stripe.com
15. ↑HIPAA: docs.stripe.com
16. ↑GDPR: stripe.com · stripe.com
17. ↑ISO 27001: docs.stripe.com
18. ↑PCI DSS: docs.stripe.com
19. ↑Rate limits: docs.stripe.com
20. ↑Known restrictions: docs.stripe.com · stripe.com · docs.stripe.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_region":true,"virtual_cards":true,"physical_cards":true,"spend_controls…
2. 2026-06-21 Summary Md: (none) → Stripe Issuing is a card issuance infrastructure API for platforms, fintechs, a…
3. 2026-06-21 Score Pricing Transparency: (none) → 70
4. 2026-06-21 Score Agent Friendliness: (none) → 55
5. 2026-06-21 Score Setup Speed: (none) → 40
6. 2026-06-21 Score Docs Quality: (none) → 55
7. 2026-06-21 Score Procurement Friction: (none) → 30
8. 2026-06-21 Score Trust Readiness: (none) → 50
9. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
10. 2026-06-21 Avoid If: (none) → You need to start building today without contacting sales, You want to try it f…
11. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
12. 2026-06-21 Llms Txt URL: (none) → https://stripe.com/llms.txt
13. 2026-06-21 Has Structured Data: (none) → No
14. 2026-06-21 Robots Allows Agents: (none) → Yes
15. 2026-06-21 API Reference URL: (none) → https://docs.stripe.com/api
16. 2026-06-21 Status Page URL: (none) → https://status.stripe.com
17. 2026-06-21 Changelog URL: (none) → https://stripe.com/changelog
18. 2026-06-21 Docs URL: (none) → https://docs.stripe.com/
19. 2026-06-21 Rendering: (none) → static
20. 2026-06-21 Llms Txt Present: (none) → Yes
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 SOC 2: set to type_2
24. 2026-06-21 GDPR: set to Yes
25. 2026-06-21 PCI DSS: set to Yes
26. 2026-06-21 SLA Published: set to No
27. 2026-06-21 Data Retention Policy URL: set to https://support.stripe.com/questions/data-retention-policy
28. 2026-06-21 Documented Rate Limits: set to Live mode: 100 requests per second (global); Sandbox: 25 requests per second; I…
29. 2026-06-21 Rate Limit Requests: set to 100
30. 2026-06-21 Rate Limit Window: set to second
31. 2026-06-21 Known Restrictions: set to Stripe acts as program manager using its own sponsor banks (Celtic Bank, Cross …
32. 2026-06-21 Auth Methods: set to api_key
33. 2026-06-21 Auth Docs URL: set to https://docs.stripe.com/api/authentication
34. 2026-06-21 API Style: set to rest
35. 2026-06-21 Base URL: set to https://api.stripe.com/v1
36. 2026-06-21 API Version: set to 2026-05-27.dahlia
37. 2026-06-21 Versioning Scheme: set to header
38. 2026-06-21 Stability: set to ga
39. 2026-06-21 Deprecation Policy URL: set to https://docs.stripe.com/upgrades
40. 2026-06-21 MCP URL: set to https://mcp.stripe.com
41. 2026-06-21 Quickstart URL: set to https://docs.stripe.com/issuing
42. 2026-06-21 Idempotency Supported: set to Yes
43. 2026-06-21 Error Format: set to vendor-specific
44. 2026-06-21 Webhook Signing: set to hmac_sha256
45. 2026-06-21 Webhook Events URL: set to https://docs.stripe.com/api/events/types
46. 2026-06-21 Requires Verification: set to Yes
47. 2026-06-21 Starting Price Usd: set to 0.1
48. 2026-06-21 Slug: set to stripe-issuing
49. 2026-06-21 Launched At: set to 2018-07-26
50. 2026-06-21 GA Date: set to 2018-07-26

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/stripe-issuing \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/stripe-issuing/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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