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Merchant guides/Raw card data/Stripe

Raw card data · Stripe · Enablement guide

Enable raw card data on your Stripe account

Stripe blocks raw PAN and CVV sent over its API until raw card data APIs are switched on for your account. This guide covers when that gate affects payments processed through Yuno, what to prepare, and the exact request to send Stripe Support — template included.

Who submits

You, the Stripe account ownerStripe handles owner requests fastest

Where

Stripe support form“Enabling access to raw card data APIs”

What to ask for

Raw card data APIs (Raw PAN gate)In both test and live environments

01Background

Why Stripe rejects the payment

When card payments run through Yuno to Stripe, Stripe may reject the request with an error like this:

Stripe API response

“Sending credit card numbers directly to the Stripe API is generally unsafe. We suggest you use test tokens that map to the test card you are using… To enable testing raw card data APIs, see https://support.stripe.com/questions/enabling-access-to-raw-card-data-apis”

Stripe blocks raw PAN/CVV usage by default. It stays blocked until Stripe explicitly enables raw card data APIs — sometimes called the Raw PAN gate — on your Stripe account.

Yuno is PCI DSS compliant and handles raw card data securely on your behalf: card details are collected and vaulted inside Yuno’s PCI-scoped environment, and only then forwarded to Stripe. The restriction is purely an account-level setting on Stripe’s side — it has to be lifted by Stripe for your specific account.

02When you need this

The two signals that the gate applies to you

Signal 1 · Failing payments

Card payments via Yuno + Stripe fail with the “Sending credit card numbers directly to the Stripe API is generally unsafe” error — in test or in production.

Signal 2 · Yuno sends the card data

You are not sending card data to Stripe yourself. Yuno does it for you as a PCI-compliant gateway — for example using the Yuno vault, with vaulted tokens mapped to Stripe payment methods.

If both are true, no change on your side or Yuno’s side will fix the declines — the enablement has to happen on your Stripe account.

03Prepare

What to have ready before opening the ticket

04Submit

Open the request with Stripe

  1. Open Stripe’s official form for this topic

    support.stripe.com/questions/enabling-access-to-raw-card-data-apis — “Enabling access to raw card data APIs”.

  2. Provide your account and the context

    • Your Stripe account ID (acct_...)
    • That payments are processed via Yuno, a PCI DSS–compliant orchestration platform
    • That Yuno sends raw PAN/CVV to Stripe on your behalf, and payments are failing due to the raw card data restriction
    • Yuno’s security page: security.y.uno

  3. Ask Stripe specifically to enable the gate

    Request that raw card data APIs / the Raw PAN gate be enabled for your account in both test and live environments, so Yuno can send card data directly to Stripe’s Payment Intents / Charges APIs.

05Template

Copy-paste ticket for Stripe Support

Adapt the placeholders and send it via the Stripe dashboard or email.

Support ticket · Ready to adapt

SubjectRequest to enable raw card data APIs (Raw PAN) for our Stripe account integrated with Yuno

Hello Stripe Support team,

We would like to request access to raw card data APIs (Raw PAN) for our Stripe account:
Account ID: acct_XXXXXXXXXXXX

We process card payments via Yuno, a PCI DSS–compliant payment orchestration platform. Yuno acts as our PCI gateway and sends card data directly to Stripe on our behalf in order to create Payment Intents / Charges.

Currently, our attempts to process card payments via Yuno are failing with the following error in Stripe: “Sending credit card numbers directly to the Stripe API is generally unsafe. We suggest you use test tokens that map to the test card you are using… To enable testing raw card data APIs, see https://support.stripe.com/questions/enabling-access-to-raw-card-data-apis.”

We understand that this is due to the raw card data restriction on our Stripe account. Since Yuno is PCI DSS compliant and handles the card data securely on our behalf, we kindly request that you:

  1. Enable access to raw card data APIs (Raw PAN gate) for our Stripe account, in both test and live environments.
  2. Confirm once this has been enabled, so that we can resume our integration tests and move to production.

For your reference, Yuno’s security and compliance details are available at: https://security.y.uno/

If you need any additional information or documentation from us or from Yuno’s team (e.g. AoC), please let us know and we’ll be happy to provide it.

Best regards,
[Merchant name]
[Company]
[Email / Phone]

06After you submit

What happens next

Stripe usually handles these requests fastest when the ticket comes directly from the account owner, mentions Yuno, and includes the security page above. Stripe occasionally asks for Yuno’s PCI Attestation of Compliance — your Yuno account team can be copied on the thread and attach it.

How to recognize that it’s done

Once Stripe enables raw card data, new payments via Yuno + Stripe go through without the “Sending credit card numbers directly to the Stripe API is generally unsafe” error. The pattern is consistent: merchant opens the ticket, Stripe enables Raw PAN, payments start working.

07References

Useful links

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