Stripe
Financial infrastructure for the internet
Stripe is the easiest and most flexible way for companies to build and launch their own full-featured, scalable fintech—whether it’s payments, cards, or lending. Stripe’s Banking-as-a-Service APIs, along with our entire ecosystem of financial infrastructure offerings, let businesses easily build a new fintech offering or embed financial services directly into their existing software.
PARTNER DETAILS
Visa Ready, Fintech Fast Track
Issuer Processor: Stripe Issuing
Program Manager: Stripe Issuing
Stripe Issuing is an API to create, manage and scale card programs. Programmable controls allow you to easily set dynamic spending limits, block categories, and authorize transactions in real time.
Capabilities
| Category | Program Manager | Over the Counter Cash Load Networks |
Yes |
| Full Stack Solution | Yes | Instant Digital Issuance Support | Yes - Google Wallet |
| Visa Credential & Card Support | Commercial Prepaid, Debit, Credit | Additional Fraud and Risk Solutions | Yes |
| Typical Implementation Time | Instantly following the application process | Customer Fraud Rules | Yes |
| In-Region Support | Yes | Customer Service Offerings | Yes |
| In-house Processing | Yes | Local Language Support | Yes |
| Processor Relationship with Visa Endpoint | Yes | White-Label App | Yes |
| In-House Visa License | No | Portfolio Management | Yes |
| BaaS Offering | Yes | Multi-Currency Wallet Solution | No |
| Installments Support | No | Visa Direct Support |
No |
| Real-Time Risk Scoring | No | Cryptocurrency Support | No |
| Other Capabilities | AML as a Service, App/UX Development |
Program
Fintech Fast Track, Visa Ready
Capability
Program Manager
Issuer Processor: Stripe Issuing
Stripe Issuing lets you instantly create, manage, and distribute virtual or physical cards. With Issuing, you can build expense management companies; fleet solutions; buy now, pay later (BNPL) financing; and more. Get started in minutes and control every detail, from card design to approving transactions in real time.
Capabilities
| Category | Issuer Processor | Authorization Flow |
Fully Managed, Partially Managed |
| Full Stack Solution | Yes | Incremental Authorization | Yes |
| Visa Credential & Card Support | US: Commercial, Prepaid, Small Business, Credit UK/EU: Prepaid, Credit, Commercial |
Instant Funding / $0-Balance Transactions | Yes |
| PCI Compliance | Yes | Proprietary or Visa Access Control Server (ACS) | Proprietary |
| In-Region Support | U.S., Europe | Risk Based Authentication (3DS 2.0) | Yes |
| Solution Deployment | Cloud | Real-time Risk Scoring | Yes |
| Tenancy Architecture | Multi-product/Multi-client/Multi-BIN | Custom Fraud Rules | Yes |
| Comprehensive APIs | Yes | BIN Sponsor Connections | Yes |
| Sandbox Testing Environment | Full testing and simulation environment for all APIs and test cases | Program Management / End-to-End | Yes |
| Visa Token Service (VTS) Support | Manual Provision, Push Provision | Full-service Credit Program Management |
No |
| Reporting | Customizable, API-based | Multi-currency Partitioning | Yes |
| Uptime Availability in operational region(s | 99.99% | Visa Direct Support | Yes |
| Customizable Authorization Decisioning | Yes | Installments Support | Yes |
| Visa QR Payments ("Scan to Pay" Support) | No | Visa Value-Added Services Integration | No |
Program
Fintech Fast Track, Visa Ready
Capability
Issuer Processor