Inactive Issuing-enabled connected accounts can pose a risk to platforms due to heightened potential for lost or compromised cards which could result in transaction fraud. To mitigate this risk, Stripe disables the issuing capability on inactive connected accounts in the USA.
Stripe disables the Issuing capability on connected accounts that haven't completed any card transactions in the past 13 months (395 days). For accounts with additional capabilities, Stripe only disables Issuing if there have also been no payments or Treasury transactions in the prior 395 days, and the Treasury balance is 9.99 USD or less.
When Issuing is disabled for inactivity, the connect account's card_issuing requirements will show a disabled_reason of rejected.inactivity and the card_issuing capability status is marked as inactive.
When the issuing capability is disabled, all card authorizations from cards associated with this connected account will be declined, but other capabilities like Payments or Treasury are unaffected.
The platform can reactivate Issuing on an account by re-signing the terms and conditions for that account.
No, Issuing is only disabled if all cardholders and cards within the connected account have been inactive. There is no inactivity process for individual inactive cards or cardholders.
Yes, Stripe disables the Issuing capability on inactive connected accounts in the US, UK, and Europe.
Consider these updates for a better user experience:
disabled_reason of rejected.inactivity