Stripe

About Stripe

Stripe is an American merchant acquirer and payment processor offering payment processing services via its Application Programming Interface for e-commerce and mobile applications. Stripe also offers a virtual point of sale terminal that can be used by merchants for in-person transactions. Stripe offers negotiable pricing and custom fees depending on the merchant's industry and revenue.

Stripe offers a range of key services and technologies for payment processing and business operations. Stripe's core offerings include APIs for integrating payment processing into websites and mobile apps, along with Stripe Connect, a multiparty payment solution introduced in 2012. In 2018, Stripe launched Radar, an antifraud tool, and expanded its services with a billing product for managing subscriptions and invoicing. In 2019, Stripe unveiled its point-of-sale service, Terminal, which provides physical card readers and supports in-person payments in multiple countries. The company also introduced Stripe Capital in 2019, offering merchant cash advances based on anticipated payment volumes.

In 2021, Stripe launched Stripe Tax for automated tax calculations and Payment Links, a no-code product for creating checkout links. The company enhanced its ecosystem with Data Pipeline, syncing data with Amazon Redshift and Snowflake, and Stripe Financial Connections, enabling bank account verification and fraud reduction. It also partnered with Apple for Tap to Pay, supporting contactless payments via iPhone. In 2022, Stripe acquired BBPOS to streamline Terminal hardware production and launched Stripe Apps and the App Marketplace, integrating third-party tools to improve workflows. The App Marketplace resulted from Stripe's acquisition of OpenChannel in 2021.

Stripe Issuing, introduced in 2018, allows businesses to create physical and digital payment cards. Atlas, launched in 2016, supports startups in registering as U.S. corporations and setting up bank and merchant accounts. Stripe introduced Link in 2021 to save and autofill payment details across platforms, with support for 185 countries.

Standard Transaction Fee

2.9% + $0.30

Custom Pricing

Y

Additional Fees

+1.5% for international cards +2.1% for currency conversion + 0.5% for manually entered cards

Accepted Payment Methods

Cards (Visa, Discover, Cartes Bancaires, JCB, Mastercard, Interac, China Union Pay, American Express, South Korean Cards, Diners), Bank Debits (Instant Bank Payments, Bacs Direct Debit, BECS Direct Debit, ACH Direct Debit, SEPA Direct Debit, Canadian PADs), Bank Redirects (Bancontact, FPX, BLIK, PayNow, EPS, UPI, iDEAL, Netbanking, P24, TWINT), bank transfers (US Bank Transfer, SEPA Bank Transfer, Japan Bank Transfer, Mexico Bank Transfer, UK Bank Transfer), Buy now, Pay later options (Affirm, Afterpay / Clearpay, Klarna, Meses sin intereses, Zip), Real-time payments (Swish, PayNow, Pix, PromptPay), vouchers (Multibanco, Konbini, OXXO, Boleto), Wallets (Apple Pay, Cash App Pay, PayPal, Alipay, Google Pay, MobilePay, WeChat Pay, Link, GrabPay, Secure Remote Commerce, Revolut Pay, Kakao Pay, Naver Pay, Samsung Pay, PayCo).

Available Merchant Countries

Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Ghana, Gibraltar, Greece, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Japan, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Netherlands, New Zealand, Nigeria, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Thailand, United Arab Emirates, United Kingdom, United States

Supported Business Types

Software as a Service(SaaS), Digital Products, Online Marketplace, Mobile, E-commerce, Subscription, In-person businesses, Stores, Retail, Freelancing

Headquarters

San Francisco, USA Dublin, Ireland

Features

Merchant of Record: N

Online Checkout: Y

API: Y

POS Terminal/Virtual: Y

Restricted/Prohibited Business

Illegal products and services: illegal drugs, substances mimicking illegal drugs, kava, drug-related equipment, fake references, fake ID services, telecommunications manipulation equipment, jamming devices, promoting unlawful violence or harm, promoting unlawful violence toward specific groups, products violating laws; adult content and services: prostitution, escorts, pay-per-view, sexual massages, fetish services, mail-order brides, adult live-chat features, adult video stores, gentleman's clubs, topless bars, strip clubs, online dating services, pornography, AI-generated explicit content; debt relief companies: debt settlement, debt negotiation, debt consolidation; financial products and services: ATMs, check cashing, debt collection agencies, funded prop trading, money orders, traveler s checks, payable-through accounts, peer-to-peer money transmission, bearer shares, shell banks; gambling: games of chance, internet gambling, casino games, sweepstakes, contests, fantasy sports, skill games with prizes, sports forecasting, lotteries, bidding fee auctions; government services: embassy services, unauthorized government services, misleading government services, economic support disbursement; identity services: identity theft protection, monitoring, recovery; intellectual property infringement: unauthorized sales of music, movies, software, counterfeit goods, unauthorized brand-name sales, products infringing IP rights; legal services: bankruptcy attorneys, bail bonds, law firms collecting non-fee funds; lending and credit: credit card loan repayments, credit monitoring, repair, counseling; marijuana: cannabis products, dispensaries, high-THC CBD, marijuana cultivation equipment, cultivation courses; nutraceuticals: unsafe or harmful nutraceuticals; non-fiat currency: cryptocurrency mining, staking, ICOs, secondary NFT sales; travel: airlines, cruises, private charters, timeshares; unfair practices: pyramid schemes, multilevel marketing, get-rich-quick schemes. Follow the link to see Stripe's full list of prohibited and restricted businesses.