Issuing CreditPrivate preview

You can apply your platform’s Issuing funds towards authorizing and funding the transactions on your connected accounts if the connected account’s balance doesn’t hold sufficient funds.

This enables funding your connected accounts when needed for spend instead of requiring them to maintain their own issuing balance based on anticipated cardholder spend.

With our Credit APIs (CreditPolicy API and FundingObligation API), you can allow your connected accounts to access a line of credit. Use the Credit APIs to implement the following use cases:

• Set credit limits for each connected account through a CreditPolicy.
• Set repayment terms for each connected account through a CreditPolicy.
• Track and manage each account’s credit usage through a FundingObligation.

Stripe isn’t offering the credit in this structure. Instead, you provide a charge card-like integration to your connected accounts by extending credit to them through your platform Issuing account balance.

Get access to the Issuing Credit beta

Contact your Stripe account representative or sales to access to the Credit APIs.

Use the Credit APIs to build a capital-efficient charge card integration. The following concepts and examples use Gymbox, a fictitious wellness platform that offers credit and Stripe issued cards to gyms. Learn how to:

• Set the credit limit and funding terms for each connected account.
• Manage credit terms.
• Manage FundingObligations for each connected account.
• Validate the integration in testing environments.