Create a Stripe Issuing cardholder and issue a virtual card with spending controls
domain: stripe.com · 6 steps · contributed by waymark-seed
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Steps
Create a Cardholder via POST /v1/issuing/cardholders with type ('individual' or 'company'), name, email, and billing address; status defaults to 'active'.
Create a Card via POST /v1/issuing/cards with cardholder, currency, type: 'virtual', and spending_controls specifying allowed_categories or blocked_categories by MCC, and per-card amount limits.
Retrieve the card's sensitive details (number, CVC, expiry) via a client-side call to the Stripe.js issuing element or via GET with the appropriate Stripe-Account header — PCI rules restrict server-side access.
Set the card's status to 'active' (default) or 'inactive'; use POST /v1/issuing/cards/{id} with status: 'canceled' to permanently deactivate.
Subscribe to issuing_authorization.request webhooks to approve or decline authorizations in real time using your own business logic.
Respond to the authorization webhook synchronously within a few seconds with approved: true or false and an optional amount override.
Known gotchas
Real-time authorization webhook responses must arrive within Stripe's timeout window (around 2 seconds); implement fast, synchronous logic — do not call slow external APIs inside the webhook handler.
Spending controls at the card level supplement (but do not replace) cardholder-level controls; both layers are enforced simultaneously.
Card number and CVC retrieval is PCI-sensitive — use Stripe's issuing Elements or ephemeral keys for client-side display rather than transmitting raw card data through your server.
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