The latest from Stripe: our new foundation model, stablecoin products, and more

Today at Sessions we announced more than 60 upgrades to Stripe. For a full list of updates, see our changelog.

Payments 💸

Payments Foundation Model

• We built the world's first foundation model for payments.

• The model is trained on tens of billions of transactions, with unsupervised learning to generate nuanced embeddings.

• Using a classifier to ingest sequences of embeddings from the foundation model, we increased our detection rate for card-testing attacks on large users from 59% to 97%.

Stripe Orchestration

• We introduced Stripe Orchestration, which allows you to manage multiple payment processors within Stripe.

Optimized Checkout Suite

• We announced that one-click Klarna will soon be available on Link, allowing your customers to add their Klarna account and pay in one click. 

• This summer we’ll launch Managed Payments, our merchant of record offering. Stripe will manage global tax compliance, fraud and disputes, and the checkout experience, in addition to handling customer support for transactions through Link. 

• The AI models built into our Optimized Checkout Suite now use more than 100 signals to personalize checkout in real time, including which payment methods are shown and which payment fields are displayed. We’re adding new signals every week. 

• You can now access more than 125 global payment methods on Stripe, including stablecoins and real-time payments, such as Pix and UPI.

• You can now display any payment method—with any payment processor—in the Payment Element.

• You can now accept payments on your mobile app using a customizable drop-in component with the Embedded Mobile Payment Element.

• You can now go live on the Payment Element faster with the Checkout Sessions API, our new integration path that allows you to enable products like Billing, Tax, or Adaptive Pricing with a single line of code.

Payments Intelligence Suite 

• We introduced Authorization Boost, which uses AI to automatically update cards and tokens, route transactions across networks, and determine if and how to retry failed payments. 

• You can soon use Smart Disputes, which automatically responds to eligible disputes on your behalf, with evidence tailored to each dispute to help you recover more chargebacks.

• You can now incorporate Radar risk scores, via API, into your own in-house fraud prevention system or multiprocessor setup. 

• You can now use Radar’s fraud protection for ACH and SEPA payments.

• We added new capabilities to Payments analytics, including more visibility into dispute rates with disputes analytics and quantifiable recommendations for how to increase your revenue.

• If you have a premium or enterprise support plan, you can now use our new AI-powered anomaly alerts, which catch unexpected degradations in authorization rates with over 90% precision. 

Terminal

• We previewed the ability to use Terminal on third-party hardware, beginning with Verifone. 

• Through our partnership with FreedomPay, you can combine Stripe’s in-person payments with more than 1,000 POS and hardware providers.

Currency presentment

• You can now use the Foreign Exchange Quotes API to display prices in local currencies, lock in exchange rates, and check real-time rates and fees.

• You can now use Adaptive Pricing to localize prices in 150+ markets on prebuilt payment surfaces, including Elements and Hosted Invoice Page.

Organizations

• You’ll soon be able to share customers and their payment methods across accounts, removing the need to re-collect information at checkout. 

• You can now view and manage disputes across accounts in your organization.

Revenue 🔁

Billing

• We introduced Stripe Scripts, a new way to extend and customize the logic in Stripe Billing.

• Our new AI-powered benchmarking tool lets you compare your performance against similar businesses on Stripe.

• You can now set up mixed interval subscriptions, consolidate subscriptions on an invoice, unallocate payments, and set up partial payments. 

• You can now access financial reports and streamline connections to your data warehouses across all your Stripe accounts with Stripe Organizations’ expanded support for Billing.

Tax

• Tax now supports global registration and filing.

• We now support tax collection in 102 countries—up from 57 last year. 

• Tax now supports country- and state-specific tax rules for calculating shipping fees. 

• We released new apps from Anrok, Avalara, and Sphere, which integrate with Stripe Billing and Checkout and allow you to automatically calculate tax on Stripe transactions, subscriptions, and invoices with your third-party tax solution.

• We announced that Tax will soon support additional verticals such as events and ticketing.

Revenue Recognition

• New transaction data is now available within three to four hours, allowing you to close your books within the same day.

• We previewed Revenue Recognition support for all Billing users, including those with usage-based billing models, to automate accrual accounting.

Sigma and Data Pipeline

• You can now access Stripe data sooner: query data in Sigma within six hours, and access Stripe data in your storage destination via Data Pipeline within three to five hours.

• You can now use Sigma and Data Pipeline with Stripe Organizations, allowing you to access and export your Stripe data at an organization level.

Connect and Embedded Finance 🔗

Connect

• We announced a new version of Radar built just for platforms. You can use Radar’s AI-based fraud prevention features to detect potentially fraudulent accounts, set custom account-level rules, and access advanced analytics. 

• Users who already have a Stripe account can now onboard onto your platform in just three clicks with networked onboarding. 

• We previewed the new dashboard for platforms, with new metrics of financial performance and connected account growth, personalized recommendations powered by AI, and snapshots of restrictions and tasks. 

• You can now view support cases across all your connected accounts and get insights into the top support issues your users encounter.

• Your customers can now pay their subscription fees directly from their Stripe balance when you use the new Accounts v2 API.

• You can access new resources, tools, and support through our SaaS platform partner ecosystem.

Capital

• We announced the ability to use Capital to extend financing to more of your users—even businesses that don’t use Stripe to process their payments—by integrating your own third-party data into Stripe’s underwriting. 

• You can now offer financing for your users by integrating our embedded components directly into your platform with just a few lines of code.

Issuing

• You’ll soon be able to build a consumer credit card program with Stripe Issuing.

• You now have more flexibility in how you build your Issuing program, with the option to maintain full control over your banking relationships, or use your own license while partnering with Stripe to process transactions.

• You can now write complex authorization rules through a no-code dashboard with our Issuing rules engine. 

• Our new set of API signals and tools helps you make better fraud decisions by highlighting the fraud risk of your issuing authorizations and card activity.

Money Management 🌐

• We introduced new money management features that are built into the Stripe Dashboard, allowing businesses to store and manage money in multiple currencies and convert between them, send and receive money via local rails, and create virtual and physical cards.

• We announced Stablecoin Financial Accounts. Users in 101 countries will soon be able to hold a stablecoin balance as well as send and receive funds via fiat and crypto rails.

• Businesses can now send payouts to customers, affiliates, contractors, or other third parties in 58 countries with just an email address with Global Payouts.

• You’ll soon be able to get a USDC-denominated Visa card, powered by Stripe Issuing and Bridge.

And much more 💻

• You can now build, test, and execute multistep flows that orchestrate across Stripe products—using your data, Stripe’s APIs, and conditional logic—with Workflows.

• We announced the Order Intents API, which allows you to create a commerce agent in seconds.

• We previewed Stripe Profiles, your public identity on the Stripe network. Stripe Profiles will let you streamline invoicing and payments with other businesses on Stripe. Reserve your profile today.

• We announced Stripe Verified, a new service that will help you navigate global requirements for payment processing with personalized monitoring, enhanced protections, and expert assistance. 

• You can now use Instant Payouts to withdraw funds from Stripe to debit cards in 32 countries.

• You can now use natural language to complete tasks in the Dashboard—e.g., creating products, processing refunds, and generating payment links—with our AI-powered Dashboard assistant.

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