Stripe Issuing
Stripe
Stripe Issuing is Stripe’s API-first platform for issuing virtual and physical cards, with over 275M cards already issued and native push provisioning to Apple and Google Pay. It supports stablecoin funding and is available in 22+ countries. It is a B2B product: cost is per transaction/card plus FX fees (≤2% + $0.30).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Per transaction |
| Spread | 20 bps |
| Per-card fee | $0.10 virtual · $3.50 physical |
| Card networks | Visa, Mastercard |
| Card types | virtual, physical, debit, credit, prepaid |
| Settlement time | T+1 |
| Fiat rails | ACH, SEPA, Wire |
| Stablecoins | USDC |
| Customer type | Fintech, Developers, Platforms |
| Certifications | SOC2-T2, PCI-DSS-L1 |
| SDK | Node, Python, Ruby, PHP, Go, Java, .NET |
| Processed volume | $1.4T |
| Currencies | USD, EUR, GBP |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | US, EEA, UK, APAC · 22+ countries |
| Regulator | FCA |
| Segment | B2B |
| Funding / solidity | $159B valuation · clients: Ramp, Brex, Shopify, Klarna |
| MiCA / License status | Global licensing (via partners) |
Strengths
- API-first with native push provisioning to Apple/Google Pay
- Over 275M cards issued and stablecoin funding
- Official SDKs for 7 languages
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- B2B service: not accessible to end consumers
- FX fees up to 2% + $0.30 per transaction
- $3.50 per physical card ($0.10 virtual)
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Global licensing (via partners)): reporting to authorities and freezes on order.
Verdict
The full score (tier S) is consistent with the product's maturity: API-first, over 275M cards already issued, native push provisioning to Apple and Google Pay, official SDKs and availability in 22+ countries including Italy. Costs are known and assessable (FX fees up to 2% + $0.30, $3.50 physical card vs $0.10 virtual), which is rare in B2B; the only limit is precisely that it remains a product for companies, not the end user.
Stablecoin funding is a welcome crypto-native nod, but through this lens Stripe Issuing remains a regulated platform with full KYC and partner-intermediated custody: no self-custody, no censorship resistance. The scale and integration, virtues for protection, do not move the judgment here.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Does Stripe Issuing support stablecoin funding?
Yes, among its funding options Stripe Issuing supports stablecoins, in addition to traditional fiat rails (ACH, SEPA, Wire).
How much does it cost to issue a card with Stripe Issuing?
Roughly $0.10 for a virtual card and $3.50 for a physical one, plus per-transaction and FX fees.
Sources
- Official service page Plans & pricing · Regulatory framework · Pricing model · Compliance · +7 Data verified on Jul 16, 2026
- cbinsights.com Investors Data verified on Jun 15, 2026
- docs.stripe.com Settlement times Data verified on Jun 15, 2026
- fool.com Stock ticker · Stock listing Data verified on Jun 15, 2026
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- hackerone.com Bug bounty Data verified on Jun 15, 2026
- news.crunchbase.com Valuation · Latest funding round Data verified on Jun 15, 2026
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- thirdproof.ai Third-party audit Data verified on Jun 15, 2026
- businessmodelcanvastemplate.com Founders · Founded · Processed volume · Period volume Data verified on Jun 13, 2026
- startupik.com Custody model Data verified on Jun 13, 2026