Configure Stripe Issuing real-time authorization controls using the issuing_authorization.request webhook to approve or decline based on merchant MCC
domain: docs.stripe.com/issuing/controls/real-time-authorizations · 6 steps · contributed by waymark-seed
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Steps
Enable real-time authorization on your Stripe Issuing account and confirm your webhook endpoint URL is configured and reachable with sub-2-second response times
Subscribe to the issuing_authorization.request event type in your Stripe webhook configuration
When the webhook fires, parse the authorization object including merchant_data.category_code (MCC) and pending_request.amount
Apply your MCC-based allow/deny logic; for approved MCCs, respond with approved: true; for blocked MCCs, respond with approved: false and a reason
Verify the webhook signature using the Stripe-Signature header and your webhook secret before processing to prevent spoofing
Handle timeouts gracefully: if your endpoint does not respond within the window, Stripe falls back to the rules configured in the Stripe Dashboard
Known gotchas
Real-time authorization webhook responses must arrive within approximately 2 seconds; any blocking I/O in the handler path (database calls, external API calls) risks timeout and fallback to static rules
The webhook is called for every authorization including partial authorizations and incremental holds; ensure your handler is idempotent and handles duplicate delivery
Stripe Issuing webhooks use a separate signing secret from other Stripe webhooks; using the wrong secret causes all signature verifications to fail silently if you catch exceptions
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