Create and manage cardsPublic preview

With Stripe Treasury, you can create prepaid debit cards in the Stripe Dashboard.

Create a card

You can create physical and virtual cards that draw from your financial account balance.

1. On the Balances page or the Cards page, click Create card.
2. Select an existing cardholder or create a new cardholder.
3. Select Virtual or Physical.
   • To create a virtual card, select Activate card to activate the card immediately.
   • To create a physical card, enter the cardholder’s information and shipping address. The card typically arrives within 10 business days. You can track progress by selecting the relevant card on the Cards page.
4. Confirm that the cardholder has agreed to the Terms of Service, and click Create.
5. Click View card to view your card details or choose to add your card to a digital wallet.

Activate a card

Before you can use the card you created, you must activate it.

1. On the Cards page, select the card you want to activate.
2. Click Activate.
3. Enter information about your business, and click Continue.

After you activate your card, it appears with an Active badge on the Cards page.

Freeze a card

You can freeze your card at any time to block all authorizations.

1. On the Cards page, select the card you want to freeze.
2. Click Freeze. A pop-up appears asking you to confirm.

After you freeze your card, it appears with a Frozen badge on the Cards page.

Replace or cancel a card

If your card is lost or stolen, you can replace or cancel your card at any time. Stripe cancels all authorizations on canceled cards.

Replace a card

1. On the Cards page, select the card you want to replace.
2. Click the overflow menu (), and click Replace card.
3. Select the reason why you’re replacing the card. You can activate the card immediately for use online or in digital wallets. You can also wait to activate it until you receive the physical card.
4. If this is a physical card, enter the cardholder’s current shipping address. Your replacement card typically arrives within 10 business days. You can track progress by selecting the card on the Cards page.

Cancel a card

1. On the Cards page, select the card you want to cancel.
2. Click the overflow menu (), and click Cancel card.
3. Select the reason why you’re canceling the card and click Cancel card.

After you cancel your card, it appears with a Canceled badge on the Cards page.

Ship a card replaced on your behalf

If you indicate with SMS that you didn’t initiate a transaction, Stripe deactivates your compromised card and cancels it after 14 days to protect your account. If the compromised card is a physical card, Stripe automatically creates a new physical card but you must confirm your shipping address before we send it:

1. On the Cards page, select the replacement card Stripe automatically creates for you. If you’re unsure which card this is, reference the timeline after selecting your previous card from the Cards page.
2. Click the overflow menu (), and click Ship card.
3. Confirm your current shipping address. The replacement card typically arrives within 10 business days. Track its progress by selecting the card on the Cards page.

Add a card to your wallet

You can add the virtual cards you create to your Apple, Google, or Samsung wallet.

1. On the Cards page, select the card you want to add.
2. Click the overflow menu (), and click Add to wallet.
3. In your wallet app, click Add payment method.
4. Use your phone’s camera to scan your card details, or enter them manually.
5. Click Done.

Get cashback rewards US only

You can earn 2% cashback on eligible transactions when you spend with your card. Cashback is credited to your financial account balance at settlement.

You only earn cashback on cards issued on the Mastercard network. When you return an eligible purchase, the cashback earned on that purchase is automatically reversed when the return settles. If you have a physical or digital Visa card, go to the Balances page in the Dashboard to request a new card issued on the Mastercard network.

Review the terms and conditions.

View cashback

You can view your total earned cashback on the Balances page and the Cards page. You can view cashback earned per transaction on each transaction’s detail page.

Ineligible transactions

The following Merchant Category Codes (MCC) aren’t eligible to earn cashback. These categories represent cash-like, gambling, and government payment transactions.

Cash-like transactions

Precious goods and high-risk resale

Gambling

Government payments

Manage cards

After you activate your card, you can manage your card from the Cards page.

View the PIN

The current PIN of the card was either set by Stripe during card creation or updated by the cardholder after card activation.

1. On the Cards page, in the Cards field, select the card you want to view.
2. Click the overflow menu (), and then click View PIN.
3. If Stripe asks you to reauthenticate, enter the verification code sent to your phone.
4. The PIN displays for 5 seconds.

Change the PIN

Stripe automatically sets a randomized PIN for you during card creation. You can update it at any time. Before changing your PIN, write down your current PIN. You might need it to complete the PIN update process.

To change your PIN:

1. On the Cards page, in the Cards field, select the card you want to update.
2. Click the overflow menu (), and select Set a new PIN.
3. Enter a new 4 digit PIN, and then click Confirm.

Your new PIN takes effect as follows:

• For US cardholders, the PIN takes effect within 1 hour of submission.

• For UK cardholders, the PIN updates only after you use the previous PIN successfully, or you have three declined PIN attempts at the same terminal.

  You can also update your PIN by visiting an ATM. If you haven’t used contactless payments on your card, you must make a chip and PIN transaction at a terminal or ATM to activate it.

Dispute a fraudulent or unauthorized card transaction

You can submit a dispute to Stripe for unauthorized card transactions.

1. On the Transactions page, select the unauthorized transaction.
2. Click Dispute.
3. On the dispute form, provide the required information explaining why you’re disputing the transaction and any supporting evidence.

You can check the status of your dispute in the Disputes fields on the Cards page.

The dispute process typically takes between 30 to 90 days. Stripe support might contact you if we require you to submit additional information to make a dispute. Stripe might provide you a credit before the resolution process completes in some situations.

Investigate declined transactions

If you encounter an unexpected decline, check your card settings for the following common causes:

• Authorization limits: Make sure the transaction doesn’t exceed the card’s per-authorization limit (5,000 USD or GBP) or daily limit (5,000 USD or GBP). If these limits aren’t sufficient for your needs, contact Stripe support.
• Spend controls: Check any spending limits and blocked category settings for the card.
• Suspected fraud: Stripe automatically declines transactions that we suspect are fraudulent. Check for an SMS message when the decline occurs, and respond to indicate whether the transaction is legitimate. If the transaction wasn’t initiated by you, Stripe deactivates the card and cancels it after 14 days to protect your account. Virtual cards are automatically replaced on your behalf. Physical cards are also automatically replaced, but you must confirm your shipping details before Stripe sends the replacement.
• Inactive or canceled cards: When a cardholder deactivates or cancels a card, all subsequent purchase authorizations on the card are automatically declined.