#eric_card-issuing-credit

1 messages · Page 1 of 1 (latest)

proper craneBOT
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terse nicheBOT
knotty ore
stuck smelt
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I don't think that's what I'm looking for. My understanding is that with a "charge card" program, I should be able to grant a line of credit to a business. I should then be able to configure credit limits, repayment terms, etc, and be able to do things like fetch the business's available credit.

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Spending controls on a Card/Cardholder seems like a separate concern

knotty ore
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Yup, that's Stripe Issuing as far as I'm aware. You issue your own cards to them, where you can set the spending controls.

stuck smelt
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How do I configure a business's billing terms and repayment options?

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From the guide: "Platforms can make a single API call to retrieve the amount a business owes at any point in time, instead of manually calculating how much credit has been spent and accounting for refunds and disputes."

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How do I do that?

knotty ore
stuck smelt
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Thanks for that. Unless I'm missing something, it looks like Stripe Treasury and Financial Accounts supports the use case of a customer spending against their available funds, not against a line of credit.

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I basically can't find anything in the docs for spending against a line of credit and configuring/getting the status of the line of credit.

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I'm wondering if there are a set of APIs that just aren't documented and require a call or something before they're available to us?

knotty ore
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I'm not sure I understand, you'd be offering the line of credit in this scenario, right? Or are you expecting Stripe to extend a line of credit?

stuck smelt
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Going off of this image from the guide, I understand that the Platform (my employer) would be the ones underwriting the credit, but Stripe would provide APIs for "managing" this credit for each business?

Charge_card_program_overview__900w_R2_.png
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e.g. "Our credit APIs can set credit limits and billing terms for each user" I'm just not seeing which APIs I would use to do that

knotty ore
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So my understanding, though I have very little experience with Issuing, is that you (or your employer) would fund an issuing balance, to use as collateral for extending lines of credit to your users/customers. Unless you use Treasury, then you'd use the Financial Accounts for that.

stuck smelt
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How would I go about understanding which APIs to use to support that? Should I go through our Stripe account rep?

knotty ore
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I think I'd suggest starting there, yeah.

The guide you shared doesn't elaborate on what solutions it recommends using, and there are several options for how to architect this now so the answer to your question will likely depend on the solution you adopt. I'm not sure if there is some prebuilt charge card flow that I haven't heard of before.

proper craneBOT
stuck smelt
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Thanks, appreciate you taking the time to look into this. Will look into setting up a call.

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Not sure if those are the actual Stripe endpoints but looks like it's what I'm looking for

nimble rose
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Hi 👋

I'm stepping in as my colleague needs to go. That Postman collection is not something published by Stripe and we cannot provide advice or guidance for the types of requests they are making. I recommend reviewing the public docs we have for Stripe Issuing to ensure you are getting up-to-date and accurate information about this class of Stripe products.