What Stripe does

Stripe is a private financial technology company founded in 2010 by Patrick and John Collison, headquartered in San Francisco, that provides payment processing and a broad financial infrastructure platform to businesses ranging from early-stage startups to Fortune 100 enterprises. Its platform spans 195 countries, 135+ currencies, and 100+ payment methods, processing $1.9T in payment volume in 2025 and managing 200M+ active subscriptions. Core products include Payments, Checkout, Terminal, Connect (embedded marketplace payments), Billing (subscriptions and usage-based billing), Radar (ML fraud prevention), Issuing, Treasury, Tax, Invoicing, Link, Atlas, and Crypto. Acquired capabilities extend the stack: Bridge (stablecoin infrastructure, $1.1B in 2024), Metronome (usage-based billing, announced Dec 2025), Valora, Bouncer, Recko, OpenChannel, Privy, Lemon Squeezy, and PartyDAO.

Stripe's technology architecture pairs a developer-first API surface with proprietary ML systems for fraud detection, authorization optimization, and adaptive checkout. Recent agentic-commerce infrastructure includes the Agentic Commerce Protocol (codeveloped with OpenAI), Shared Payment Tokens, the Machine Payments Protocol (with Circle and Tempo), Stripe Projects for AI agent procurement, and the Tempo blockchain (with Paradigm). The company's go-to-market combines self-serve signup for SMBs, direct enterprise sales for Fortune 100 accounts, embedded platform distribution (Shopify, WooCommerce, Wix), developer-led adoption via SDKs and an MCP server, and a newly-launched bank-led channel through Lloyds Accept.

Name

Stripe

Legal name

Stripe, LLC

Website

https://stripe.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Stripe is a private financial infrastructure company providing online payment processing and a broad fintech platform (billing, fraud, issuing, treasury, stablecoins, agentic commerce) to businesses from startups to Fortune 100 enterprises across 195 countries, processing $1.9T in 2025 volume.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Payment Gateways & API Connectivity (FSAGABAB)

akta.pro secondary industries

Developer Tooling & SDKs for Payments (Gateway Tooling) (FSAMACAL), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Online payment processing
• Payment infrastructure
• Fraud prevention
• Embedded finance
• Subscription billing

Headquarters

HQ city

South San Francisco

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Transaction-based payment processing: Per-transaction fees on successful card and alternative payment method charges; 2.9% + 30¢ for domestic cards (plus 0.5% for manually entered, 1.5% for international cards, 1% for currency conversion); 0.8% ACH Direct Debit (capped at $5); 1.5% stablecoins. Custom 'IC+' pricing for large-volume enterprises. Primary revenue engine.
2. Subscription billing and usage-based billing: Recurring subscription pricing on Stripe Billing: $620/month on annual contract (pay monthly) or 0.7% of Billing volume on pay-as-you-go; powers 200M+ active subscriptions. Includes invoicing, subscription management, and usage-based billing.
3. Terminal hardware sales: Hardware revenue from Stripe Reader M2 ($59) and Stripe Reader S700/S710 ($299 excl. VAT) card readers plus cellular data plans per reader/month; in-person transactions at 2.7% + 5¢.
4. Issuing and card-based services: Revenue from card creation ($0.10/virtual, $3.50/standard physical), interchange revenue share, and dispute fees; powers platforms like Ramp's 2M+ cards.
5. Connect platform fees: Platforms that deploy their own payments pricing earn revenue share from Stripe; 0.25% starting fee per transaction for deployers; or Stripe sets and collects processing fees from end users with revenue share back to platforms.
6. Radar / fraud prevention subscriptions: Radar ML included with Payments; Radar for Fraud Teams $0.02/screened transaction (standard pricing) or $0.05/$0.07 (custom pricing); dispute prevention tools (e.g., $29 per Mastercard resolution).
7. Professional services and Atlas incorporation: Professional services fees, managed support plans, and Stripe Atlas incorporation ($500 one-time) for startups. Managed Payments acts as merchant of record at 3.5% per transaction.
8. Treasury and global payouts: Revenue from Treasury financial account services, Global Payouts (domestic $1.50/payout or 0.75% for debit card; cross-border + FX fees), Tax ($90/mo Tax Complete or 0.5% per transaction on Basic), and Sigma/Data Pipeline subscriptions.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels9 records

Core offering

Stripe builds and operates a unified financial infrastructure platform that enables businesses to accept payments online and in-person, manage subscriptions and usage-based billing, prevent fraud, issue cards, and embed financial services. Its APIs, SDKs, and prebuilt UIs support 195 countries, 135+ currencies, and 100+ payment methods, with adjacent products spanning fraud detection (Radar), billing/tax/revenue recognition, embedded finance (Connect, Issuing, Treasury), and AI/agentic commerce primitives (ACP, SPT, MPP).

Product overview

Stripe offers a single unified financial infrastructure platform composed of a deep, modular product portfolio rather than a single monolithic application. The core platform centers on Payments (online and in-person via Terminal), complemented by checkout tools (Checkout, Elements, Payment Links, Link), authorization optimization (Authorization Boost, Adaptive Pricing), and fraud prevention (Radar). Revenue management is delivered through Billing, Subscriptions, Usage-based billing, Invoicing, Tax, Revenue Recognition, Stripe Sigma, and Data Pipeline. Money management and embedded financial services run through Treasury, Global Payouts, Capital, Crypto, Crypto Onramp, Connect, Capital for platforms, Treasury for platforms, and Issuing. The portfolio also includes Atlas (incorporation), Climate (carbon removal), Identity, Financial Connections, and Workflows. On top of this base, Stripe has layered AI/agentic capabilities — including the Agentic Commerce Protocol (ACP), Shared Payment Tokens (SPT), Machine Payments Protocol (MPP), Stripe Projects, the Agentic Commerce Suite, and Smart Disputes — plus acquired brands Bridge (stablecoin infrastructure), Metronome (usage-based billing), Recko (reconciliation), Bouncer (card authentication), OpenChannel (marketplaces), and Valora (web3 wallet), and an MCP server for AI tool integration.

Differentiator

Problem solved

Functional benefit

Brands

• Stripe Atlas: Startup incorporation service that enables entrepreneurs to set up Delaware C Corporations or LLCs and begin fundraising, banking, and accepting payments in two business days.
• Stripe Connect
• Stripe Billing
• Stripe Radar
• Stripe Terminal
• Stripe Treasury
• Stripe Issuing
• Link
• Stripe Climate
• Stripe Sigma
• Stripe Press
• Works in Progress
• Bridge
• Tempo

Products and services

• Payments Stripe's core online payments platform: 2.9% + 30¢ per successful domestic card transaction (with 100+ payment methods, 135+ currencies, 195 countries). Includes Adaptive Acceptance, card account updater, and network tokens for authorization optimization. For businesses of all sizes.
• Managed Payments Merchant-of-record solution that simplifies global selling by handling tax compliance (sales tax, VAT, GST in 75+ countries), fraud, disputes, invoicing, and customer support globally. Pricing: 3.5% per successful transaction on top of standard Payments fees. For businesses expanding globally.
• Checkout

Named customers39 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

AI capability12 records

Feature10 records

Partnerships

31 partnerships are on record, tiered minor, core and flagship.

• Intercept nonprofitminorGTM or Marketing Partner · 24 June 2026Stripe co-backs a $500M philanthropic coalition (with Anthropic, OpenAI Foundation, Flu Lab, Bill Gates, Jane Street) tackling respiratory infections including the common cold and flu. Plans to push broad-spectrum preventative candidates through Phase 2 clinical trials.
• MoneyGramcoreTechnology or Integration · 23 June 2026MoneyGram launched its stablecoin MGUSD on the Stellar blockchain using Stripe's Bridge platform for issuance, M0 for smart contracts, and Fireblocks for wallet security. Connects digital dollars to MoneyGram's network of roughly 500,000 cash-in and cash-out locations globally.
• Circle (USDC stablecoin)flagshipStrategic or Co-development Partner · 23 June 2026Circle published a formal USDC specification for the Machine Payments Protocol (MPP) developed in collaboration with Stripe and Tempo. Supports nanopayments as low as $0.000001 per transaction using EIP-3009 batching across EVM-compatible blockchains and Solana.
• Eileen O'Mara (vice chair) and Tyler Bryson (CRO)flagshipOthers · 22 June 2026Internal appointments of senior leadership: Eileen O'Mara (formerly CRO at Stripe with 25+ years at Salesforce and Oracle) named vice chair; Tyler Bryson (joined from Microsoft in 2025 after 20+ years there) appointed chief revenue officer. Focused on global engagement with policymakers, customers, and partners.
• VisaflagshipStrategic or Co-development Partner · 19 June 2026Visa is reportedly exploring a joint stablecoin platform with Mastercard and Stripe (Coinbase may join). Visa's stablecoin settlement pilot already runs on nine blockchains; Visa-Bridge stablecoin card program is live in 18 countries with plans to reach 100+ countries by year-end. Also part of Mastercard AP4M launch partner ecosystem.
• Frontier (Stripe, Google, Anthropic, Salesforce, Shopify, H&M, JPMorganChase, McKinsey, Workday, Autodesk)coreStrategic or Co-development Partner · 19 June 2026Frontier is a Stripe-led carbon removal buyer coalition committing $915M (Growth AMC tranche, June 2026) with cumulative commitments of $1.8B since 2022 launch. Stripe co-founded the coalition with Alphabet, Shopify, Meta, and McKinsey. Targets 10-15 CDR projects with 8-10 year offtake agreements extending to 2040.
• Anthropic (AI consumption billing)coreStrategic or Co-development Partner · 18 June 2026Stripe acquired Metronome to address AI billing infrastructure for usage-based billing of AI consumption (token-based spending from Anthropic, Cursor, Gemini, OpenAI). Anthropic Fable 5 reportedly completed a 50-million-line Ruby codebase migration for Stripe in a single day.
• Zip UScoreStrategic or Co-development Partner · 16 June 2026Zip US expanded its partnership with Stripe to support Shared Payment Tokens (SPTs), enabling AI agents to initiate transactions on behalf of customers using flexible payment methods. Addresses a gap where AI-driven commerce previously relied on card-on-file. Next phase of Zip's Stripe collaboration focused on agentic commerce at scale.
• Jeanne DeWitt Grosser (Shopify board)coreOthers · 16 June 2026Jeanne DeWitt Grosser, who previously built Stripe's commercial organization from the ground up and currently serves as COO of Vercel, joined Shopify's board of directors. Demonstrates the breadth of Stripe's alumni network and continued ecosystem influence.
• PrecorocoreTechnology or Integration · 16 June 2026Precoro (AI-powered procurement automation platform) launched Precoro Payments built in partnership with Stripe. Enables ACH, same-day ACH, wire, and international payments with automatic ERP synchronization; completes procure-to-pay cycle. Serves 1,000+ clients across 80+ countries.
• Amazon Web Services (AWS)flagshipTechnology or Integration · 15 June 2026Stripe provides financial infrastructure for a new AWS WAF capability enabling content owners and publishers to monetize AI agent traffic via HTTP 402 Payment Required responses. AWS WAF returns machine-readable prices, accepted payment methods, and license terms; funds flow to publishers directly via Stripe. Part of AWS Bedrock AgentCore payments (with Coinbase and Stripe).
• MetacoreTechnology or Integration · 15 June 2026Meta expanded USDC payouts for creators to Colombia and the Philippines via the Solana network, with Stripe handling payments; plans to expand the program to over 160 countries by end of 2026.
• Anthropic (Frontier carbon removal)minorStrategic or Co-development Partner · 15 June 2026Anthropic joined Frontier (Stripe-led carbon removal coalition) as first AI startup participant, contributing to the $915M Growth AMC tranche in June 2026.
• Cloudflare (agent accounts)coreStrategic or Co-development Partner · 15 June 2026Cloudflare launched temporary accounts that allow AI agents to deploy Workers, APIs, and front-end sites directly from the command line without human signup, OAuth flows, or dashboard interactions. Created in context of a broader industry shift including Stripe partnerships on agent-friendly account creation.
• CloudflareflagshipTechnology or Integration · 14 June 2026Cloudflare is a launch partner for Stripe Projects, enabling authorized AI agents to autonomously create accounts, select plans, and provision Cloudflare infrastructure. Also collaborates on agent-friendly account creation (Cloudflare's Temporary Accounts and Stripe's Projects protocol).
• Coinbase (x402 protocol)coreStrategic or Co-development Partner · 11 June 2026AWS Bedrock AgentCore payments built with Coinbase and Stripe using the x402 open payments protocol developed alongside AWS, Anthropic, Circle, and Near for agent-to-service transactions.
• Metronome (Stripe Projects integration)coreTechnology or Integration · 11 June 2026Metronome added as one of 16 new infrastructure providers in Stripe Projects alongside Hermes, Factory Droids, Warp AI agents, Wix, and ClickHouse; platform now supports 49 total providers with new developer controls for unified spend visibility and per-provider spending caps.
• Mastercard (Agent Pay for Machines)flagshipStrategic or Co-development Partner · 10 June 2026Stripe is among 30+ launch partners (alongside Adyen, Coinbase, Cloudflare, OKX, Checkout.com, Ripple, Solana Foundation, Polygon Labs) supporting Mastercard's Agent Pay for Machines (AP4M) protocol enabling autonomous AI agent payments across cards, accounts, and stablecoins. Reports also indicate Stripe, Visa, and Mastercard (with potential Coinbase participation) exploring a joint stablecoin platform to compete in the $300B+ stablecoin market.
• WixcoreTechnology or Integration · 10 June 2026Wix named a provider in Stripe Projects, enabling developers to provision a complete Wix business backend (commerce, bookings, CMS, CRM, events, memberships) directly from the Stripe Projects CLI. Wix served as co-design and launch partner in the developer preview. Also integrated with Wix Projects CLI and Microsoft 365 Copilot.
• CoinbasecoreStrategic or Co-development Partner · 10 June 2026Coinbase is reportedly evaluating participation in the Stripe/Visa/Mastercard stablecoin platform consortium (June 2026); also part of x402 facilitator with AWS and Circle, and Stripe's AP4M launch partner ecosystem.
• Lloyds BankflagshipChannel Partner/ Reseller/ Distributor · 9 June 2026Stripe powers Lloyds Accept, a new suite of payment tools for UK small businesses. Lloyds (UK's largest digital bank, 1M+ business customers) integrated Stripe Connect to enable card readers, Tap to Pay on mobile, and online payment links with direct integration into Lloyds Bank and Bank of Scotland business accounts. First Stripe partnership with a traditional UK bank.
• Banking CirclecoreTechnology or Integration · 9 June 2026Luxembourg-based Banking Circle S.A. provides cross-border payment infrastructure for Stripe-owned Bridge stablecoin platform. Enables Bridge to offer stablecoin-to-fiat conversions across EUR, GBP, and AUD plus USD SWIFT connectivity. Supports Bridge's expansion into Australia.
• DoorDashcoreTechnology or Integration · 6 June 2026DoorDash routes merchant payouts through stablecoin rails on the Tempo blockchain (jointly built by Stripe and Paradigm), starting with payouts where speed and cost savings are most immediate. Tempo also counts Mastercard, Visa, UBS, and Klarna among its infrastructure partners.
• Valora (joining Stripe)minorStrategic or Co-development Partner · 10 December 2025Valora announced it will join Stripe to accelerate its mission of expanding access to digital financial services and digital assets, enhancing web3 expertise and user-focused experiences. Valora's app will return to its original development team at cLabs.
• Metronome (acquisition)coreStrategic or Co-development Partner · 3 December 2025Stripe agreed to acquire Metronome, a company providing APIs for usage-based billing for SaaS companies (raised $128M in total funding). Metronome's monetization platform will integrate with Stripe's payment infrastructure.
• OpenAIflagshipStrategic or Co-development Partner · 29 September 2025Co-developed the Agentic Commerce Protocol (ACP), an open standard for AI-mediated commerce. Powers Instant Checkout in ChatGPT for Etsy merchants (and soon Shopify merchants including Glossier, Vuori, Spanx, SKIMS) using Shared Payment Tokens (SPTs). Partners since 2023 across Stripe Billing, Stripe Checkout, Stripe Radar, and Link for ChatGPT Plus subscriptions.
• NVIDIAflagshipStrategic or Co-development Partner · 9 October 2024Deepened collaboration to advance AI for Stripe and improve fraud detection. NVIDIA GPUs and NVIDIA AI software power Stripe's ML models including Stripe Radar and Optimized Checkout Suite. NVIDIA will expand global access to GPUs by enabling developers and enterprises to prepay for select NVIDIA cloud services via Stripe. Stripe has long used NVIDIA Tensor Core GPUs and Stripe Railyard for model training.
• Google (Workspace)flagshipTechnology or Integration · 22 June 2023Stripe Connect and Stripe Checkout power paid appointment bookings in Google Calendar. Businesses can connect their Stripe account, set a price, and offer clients the ability to book and pay through their Google Calendar booking page. Paid appointment bookings roll out globally to select Workspace subscribers.
• OpenChannel (acquired)minorStrategic or Co-development Partner · 6 December 2021Stripe acquired OpenChannel, a provider of app marketplace software, with OpenChannel's team joining Stripe's engineering, product, and sales units to integrate third-party app ecosystems.
• Recko (acquired)coreStrategic or Co-development Partner · 20 October 2021Stripe acquired Recko, an Indian FinTech specializing in payments reconciliation and accounting, to automate and streamline payment reconciliation processes for online businesses.
• Bouncer (acquired)coreStrategic or Co-development Partner · 14 May 2021Stripe acquired Bouncer, a card authentication technology company, integrating it into Stripe Radar for real-time card verification and fraud detection to help online businesses reduce fraud.

Scale indicators16 records

Recent moves6 records

Expansion highlights8 records

Direct peers

• Adyen: Adyen is the closest direct competitor to Stripe, offering a unified global payments platform with custom IC+ pricing, 37+ payment methods, and a developer-first API serving enterprise merchants like BMW, Microsoft, and Uber — overlapping directly with Stripe's core payments, Terminal, and Connect product lines.
• Checkout.com: Checkout.com is a global payment gateway competing head-to-head with Stripe on enterprise card processing, alternative payment methods, and unified APIs across 195+ countries; it serves similar enterprise customer profiles and is often mentioned alongside Adyen and Stripe as the three top global payment platforms.
• PayPal: PayPal is a broad incumbent competing with Stripe across online payments, Braintree (its gateway business), Venmo, and Honey — overlapping significantly with Stripe's SMB, marketplace, and checkout products, and a former employer of Stripe VP Eileen O'Mara (Salesforce, Oracle).
• Block (Square): Block (formerly Square) competes with Stripe on in-person payments (Square Terminal vs Stripe Terminal), SMB omnichannel, and Cash App as an alternative payment method supported by Stripe Checkout — a direct overlap on the SMB and omnichannel commerce stack.
• Braintree: Braintree (PayPal-owned) is a direct Stripe competitor in the global payment gateway segment, serving marketplaces, SaaS, and enterprises with similar Vault/tokenization and 3DS functionality — historically a primary alternative to Stripe for high-volume merchants.
• Klarna: Klarna is both a partner (BNPL payment method natively supported by Stripe at 5.99% + 30¢) and a competitor in the broader payments and consumer financial services space; Klarna is also an infrastructure partner on Stripe's Tempo blockchain, illustrating the hybrid competitor-partner relationship.
• Marqeta: Marqeta is the closest direct competitor to Stripe Issuing, providing card-issuing infrastructure used by Ramp, Block, and others; its modern API-first issuing platform competes for the same embedded card programs that power Stripe Issuing customers like Ramp (2M+ cards).
• Rapyd: Rapyd is a payment orchestration and fintech-as-a-service platform with global coverage similar to Stripe's Connect + Issuing + Treasury stack; it targets platforms and marketplaces needing embedded financial services across 100+ countries, directly competing with Stripe Connect.

Broad incumbents

• Worldpay: Worldpay is a large incumbent merchant acquirer and payment processor serving enterprise merchants globally; it overlaps with Stripe Payments and Terminal but at a different scale tier and with more traditional bank-led distribution rather than developer-first GTM.

Emerging players

• Modern Treasury: Modern Treasury is an emerging competitor to Stripe Treasury, providing money movement APIs and embedded financial account infrastructure for platforms; it targets similar platform customers and represents a focused threat in the embedded banking segment where Stripe Treasury (powering Shopify Balance) is investing heavily.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat10 records

Key risks7 records

Key highlights8 records

Customer concentration

• Xx.com/stripe
• GitHubgithub.com/stripe
• YouTubeyoutube.com/stripe
• Facebookfacebook.com/StripeHQ
• LinkedInlinkedin.com/company/stripe
• Instagraminstagram.com/stripe

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries5 records

Funding overview

Funding rounds27 records

Investors64 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A23 records

Investments103 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stripe