Automate B2B virtual card payment disbursements using Stripe Issuing
domain: stripe.com/docs/issuing · 5 steps · contributed by waymark-seed
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Steps
Enable Stripe Issuing in your Stripe account and complete the required business verification for card issuance
Create a cardholder record with POST /v1/issuing/cardholders, setting type to company and linking to billing address details
Create a virtual card with POST /v1/issuing/cards, specifying currency, cardholder, and spending controls (allowed_merchant_category_codes, spending_limits)
Fund the card by maintaining a sufficient Stripe Issuing balance or configuring an auto top-up from your Stripe balance
Listen to the issuing_authorization.created webhook to approve or decline transactions in real time, then retrieve transaction records for AP reconciliation
Known gotchas
Stripe Issuing is not available in all countries; confirm geographic availability for both your platform and your suppliers before designing the workflow
Real-time authorization via webhook requires your endpoint to respond within Stripe's timeout; a delayed or missing response causes the default spending control to apply
Virtual card numbers are revealed only via the Stripe Dashboard or a direct API call with the issuing:card_details:read permission — they are not returned in standard card list responses
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