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Helping more businesses across Europe

Felix Huber on June 22, 2017

Today we’re excited to launch in six more European countries, making all of our products fully available to businesses in Germany, Austria, Switzerland, the Netherlands, Belgium, and Luxembourg.

While it would certainly be easy to launch the same product in every market, we have taken the time to work closely with local developers in each of these countries to better understand how consumers want to pay, and how local nuances drive complexities in their businesses. German startups like Jimdo, BOOK A TIGER, or Croove, as well as Dutch technology companies like WeTransfer and Catawiki are just a few Stripe users in the region, and we’d like to thank them for their feedback and their suggestions during the preview phase.

Every developer in these countries can start accepting payments with Stripe in minutes. You can also create subscriptions, dynamically query your revenue information using Sigma, and rely on advanced machine learning algorithms to detect fraud with Radar. And if you’re building a platform or a marketplace, you can now also use Stripe Connect, which handles user onboarding, compliance, pay-in and pay-out networks, reporting, and more. Connect supports virtually any platform business model, including on-demand businesses, e‑commerce, crowdfunding, and travel and events. We just added some new features to make it even faster to use and more flexible.

Pricing is simple: 1.4 % + €0.25 for European cards and 2.9 % + €0.25 for non-European cards. We also support popular payment methods like Apple Pay, Android Pay, SEPA Direct Debit, SOFORT, iDEAL, Bancontact, and Giropay—see our pricing page for the respective pricing. These can easily be implemented with Sources, Stripe’s unified API for accepting any payment method with a single integration. We’ve also put together a guide to help you discover, understand and select the right payment methods for your business.

We’ve also assembled a (growing!) team to provide dedicated support for users in German and French as well. If you have questions or feedback, don’t hesitate to get in touch.

We’re excited to see what new services and products you’ll build using Stripe in Europe!

Aujourd'hui, nous sommes fiers de vous annoncer notre lancement dans six nouveaux pays européens, avec une disponibilité totale en Allemagne, Autriche, Suisse, Belgique, aux Pays-Bas et au Luxembourg.

 

S'il nous aurait été facile de lancer un produit identique dans l'ensemble de ces marchés, nous avons mis un point d'honneur à établir une étroite collaboration avec des développeurs dans chacun de ces pays. Cela nous a permis de mieux connaître les modes de paiements privilégiés des consommateurs, et de comprendre comment les nuances locales influencent le niveau de complexité auquel font face les entreprises. Des startups allemandes comme JimdoBOOK A TIGER ou Croove, ainsi que des entreprises de la tech néerlandaises telles que WeTransfer et Catawiki font partie des utilsateurs de Stripe dans cette région de l’Europe, et nous les remercions pour les commentaires et suggestions qu’ils nous ont communiqués pendant la phase d'aperçu.

 

Chaque développeur de ces pays peut commencer à accepter des paiements avec Stripe en quelques minutes. Vous pouvez également créer des abonnements, interroger dynamiquement vos données comptables à l’aide de Sigma, et vous reposer sur des algorithmes d’apprentissage automatique pour détecter les fraudes avec Radar. Si vous souhaitez créer une plateforme ou une place de marché, vous pouvez désormais utiliser Stripe Connect, qui gère l’onboarding, la conformité, les réseaux de paiements entrants et sortants, le reporting, et plus encore. Connect est compatible avec la quasi totalité des modèles économiques, y compris pour les activités à la demande, l’e-commerce, le financement participatif, les voyages et l’événementiel. Nous venons d’ajouter de nouvelles fonctionnalités pour le rendre encore plus rapide et flexible.

 

La tarification est simple : 1,4 % + 0,25 € pour les cartes européennes et 2,9 % + 0,25 € pour les cartes non européennes. Nous prenons également en charge les méthodes de paiement comme Apple Pay, Android Pay, SEPA Direct DebitSOFORTiDEALBancontact et Giropay. Vous pouvez en consulter les tarifs à la page suivante. Celles-ci peuvent facilement être implémentées à l’aide de Sources, l’API unifiée de Stripe pour accepter tout mode de paiement avec une intégration unique. Nous avons également rédigé un guide pour vous aider à mieux comprendre et choisir les bonnes méthodes de paiement pour votre entreprise.

 

Nous avons aussi réuni une équipe (en pleine croissance!) pour accompagner nos utilisateurs en allemand et en français. Si vous avez des questions ou des commentaires, n’hésitez pas à nous contacter.

 

Nous sommes impatients de voir quels nouveaux services et produits vous allez créer en Europe avec Stripe !

Stripe ist ab heute in sechs weiteren europäischen Ländern verfügbar! Wir launchen offiziell in der Schweiz, Deutschland, Österreich, den Niederlanden, Belgien, und Luxemburg und stellen dabei Unternehmen in diesen Ländern die komplette Bandbreite unserer Produkte zur Verfügung.

Natürlich hätten wir in allen Märkten mit dem gleichen Produkt starten können. Wir haben uns stattdessen die Zeit genommen, vor Ort mit Entwicklern und Nutzern zusammenzuarbeiten, um die lokalen Zahlungsbedürfnisse besser zu verstehen und länderspezifische Herausforderungen zu lösen.

Deutsche Start-ups wie Jimdo, BOOK A TIGER oder Croove und niederländische Firmen wie WeTransfer und Catawiki sind ein Beispiel für die vielen Firmen in diesen Ländern, bei denen wir uns für die großartige Unterstützung und das Feedback während der Preview-Phase bedanken möchten.

Entwickler in diesen sechs Ländern können mit Stripe innerhalb von Minuten mit der Zahlungsannahme beginnen. Ihr könnt mit Subscriptions wiederkehrende Zahlungen abwickeln, Geschäftsdaten mit Sigma auswerten und euch auf Stripes Machine-Learning-basierte Betrugserkennung durch Radar verlassen.

Wenn ihr an einer Plattform oder einem Marktplatz arbeitet, übernimmt Stripe Connect die Verwaltung komplexer Zahlungsströme, die Verifizierung von Plattform-Konten, die Einhaltung von Compliance-Anforderungen, den Kontenabgleich und vieles mehr für euch. Das funktioniert für jedes Plattformgeschäftsmodell, inkl. On-Demand-Marktplätze, E-Commerce, Crowdfunding sowie Reise- und Eventplattformen. Erst kürzlich haben wir Connect weiter verbessert, um die Nutzung noch flexibler und einfacher zu machen.

Die Preisgestaltung ist einfach: 1,4% + 0,25 € für europäische Kreditkarten und 2,9% + 0,25 € für außereuropäische Karten. Neben Kredit- und Debitkarten unterstützen wir Bezahlmethoden wie Apple Pay und Android Pay sowie einige der beliebtesten europäischen Zahlungsmethoden, wie SEPA Direct Debit, SOFORT, iDEAL, Bancontact und Giropay - Infos zu den jeweiligen Konditionen könnt ihr unseren Preisinformationen entnehmen. Diese Zahlungsmethoden können problemlos mit Sources implementiert werden, Stripes einheitlicher API für die Anbindung aller Zahlungsmethoden mit einer einzigen Integration. Zusätzlich haben wir auch einen Leitfaden zusammenstellt, der euch bei der Auswahl der passenden Zahlungsmethoden unterstützt.

Wir haben darüber hinaus ein (wachsendes!) lokales Team aufgebaut, um unsere Nutzer auch auf Deutsch und Französisch zu betreuen. Wenn ihr Fragen oder Feedback habt, meldet euch jederzeit gerne bei uns!

Wir sind gespannt darauf, welche neuen Dienstleistungen und Produkte ihr mit Stripe entwickeln werdet!

Vandaag is Stripe gelanceerd in zes nieuwe landen in Europa. Al onze producten zijn nu volledig beschikbaar voor bedrijven in Nederland, België en Luxemburg, evenals in Duitsland, Oostenrijk en Zwitserland.

Het zou natuurlijk makkelijk zijn om in iedere markt hetzelfde product te lanceren. Maar wij hebben nauw samengewerkt met lokale developers in iedere regio om beter inzicht te krijgen in de betalingsvoorkeuren van consumenten en in andere lokale invloeden op hun business. Nederlandse bedrijven zoals WeTransfer en Catawiki, Belgische bedrijven als Teamleader en Twoo, maar ook Duitse startups zoals Jimdo, BOOK A TIGER en Croove, zijn voorbeelden van ondernemingen in deze landen die al gebruikmaken van Stripe. We willen ze hierbij dan ook graag danken voor hun feedback en suggesties tijdens de previewfase.

Developers in deze landen kunnen binnen enkele minuten betalingen accepteren via Stripe. Je kan ook abonnementen afsluiten, geavanceerde data-analyses uitvoeren met Sigma of mogelijke fraude detecteren met behulp van Radar en geavanceerde machine learning-algoritmes. En als je een platform of marktplaats aan het bouwen bent, kan je Stripe Connect integreren om betalingen te doen aan partners over de hele wereld, Connect ondersteunt vrijwel ieder businessmodel, zoals on-demand business, e-commerce, crowdfunding, reizen en events. We hebben net een aantal nieuwe features toegevoegd, die de flexibiliteit en het gebruiksgemak nog verder vergroten.

De prijsstructuur voor creditcards is eenvoudig: 1,4% + €0,25 per transactie voor Europese creditcards en 2,9% + €0,25 per transactie voor niet-Europese creditcards. We ondersteunen ook tal van populaire betaalmethoden zoals Apple Pay, Android Pay, SEPA Direct Debit, SOFORT, iDEAL, Bancontact en Giropay -- bekijk onze prijspagina voor de prijs voor elke individuele betaalmethode. Alle betaalmethoden zijn makkelijk te implementeren met behulp van Sources: Stripe’s unified API waarmee iedere betaalmethode toegevoegd kan worden via één enkele integratie.We hebben ook een gids samengesteld waarmee je makkelijk kan bepalen wat de de beste betaalmethode is voor jouw onderneming.

Mocht je vragen of feedback hebben, aarzel dan niet om contact met ons op te nemen.

We zijn heel benieuwd naar de nieuwe services en producten die je in Europa gaat bouwen met Stripe!

June 22, 2017

Connect: behind the front-end experience

Benjamin De Cock on June 19, 2017 in Engineering

We recently released a new and improved version of Connect, our suite of tools designed for platforms and marketplaces. Stripe’s design team works hard to create unique landing pages that tell a story for our major products. For this release, we designed Connect’s landing page to reflect its intricate, cutting-edge capabilities while keeping things light and simple on the surface.

In this blog post, we’ll describe how we used several next-generation web technologies to bring Connect to life, and walk through some of the finer technical details (and excitement!) on our front-end journey.

Read more

June 19, 2017

New features for European platforms

Louis-Alexandre Rosius on June 14, 2017

From e-commerce startups like Tictail in Sweden and fashion websites like ASOS Marketplace in the UK, to car rental services like Wheeliz in France and on-demand delivery services like Glovo in Spain, Stripe Connect is behind a growing number of the most innovative platforms and companies in Europe. Connect is the payments platform for platforms that need to accept money and pay out to third parties. Today, we're extending new payment routing and integration options for Connect in all countries that Stripe supports in Europe, in order to help platforms and marketplaces scale how they work around the world.

Custom accounts are available in Europe

We’re expanding support for Custom accounts to all European countries, in addition to Standard accounts. With Custom accounts, platforms can completely customize the user experience, including the onboarding, dashboard, and reporting UIs.

Because navigating the regulatory landscape for platform payments is very complicated, we've also written a comprehensive guide for how platforms can reason about compliance. Connect offers marketplaces operating across Europe a fully compliant set up under PSD2, which goes into effect in January 2018.

Discover new ways of routing payments

In addition to this, we’ve also worked on enabling more flexible ways to route funds, such as:

  • One-to-many payments, enabling platforms to split a payment from a single customer between multiple recipients. French moving service Les Tontons Livreurs uses this feature to split payments between their platform and multiple drivers that may provide services.
  • Many-to-many payments, enabling platforms to split funds between multiple consumers and multiple third-party vendors or providers. Platforms use Connect to track every part of their payments flow in one place, and they don’t have to manually build and manage a ledger.
  • Holding funds gives companies like Crowdcube a way to wait before paying out. They can now mitigate risk by waiting until after a campaign or event has occurred before paying the fundraiser or event organizer.
  • Account Debits enables booking platforms like Musement to charge museums and theatres across Europe for ancillary services straight from their Stripe balance. (They no longer have to collect a credit card to charge their connected accounts.)

You can learn more these features and how to integrate in our docs.

We hope you’ll find these updates useful and look forward to seeing the next wave of European marketplaces and platforms built on Connect! Please let us know if you have any feedback or questions.

Build your platform with Stripe Connect. Learn more

Ob E-Commerce Startups wie Tictail in Sweden, Mode-Webseiten wie ASOS in England, Plattformen für Autoverleih und Carsharing wie Wheeliz in Frankreich oder Lieferplattformen wie Glovo in Spanien, Stripe Connect steht hinter einer stetig wachsenden Zahl von innovativen Plattformen und Firmen in Europa. Mit Connect ermöglicht Stripe Firmen einfach komplexe Zahlungsflüsse zwischen einer Vielzahl von Teilnehmern abzubilden. Wir freuen uns, heute bekannt zu geben, dass wir Connect in allen europäischen Ländern wo Stripe verfügbar ist, um weitere Varianten an Zahlungsflüsse und Integrationsoptionen erweitern, damit es für Marktplätze und Plattformen noch leichter wird, ihr Geschäft global zu skalieren.

Connect Custom jetzt in ganz Europa verfügbar

Neben Connect Standard ist auch Connect Custom ab sofort in allen europäischen Ländern verfügbar. Mit Connect Custom können Plattformen die Nutzererfahrung komplett individualisieren - zum Beispiel die Kontoerstellung, das Dashboard oder sämtliche Übersichten für Buchhaltung und Berichtswesen.

Da die Regulierung in Europa für Plattformen teilweise sehr komplex ist, haben wir ein ausführliches Handbuch angefertigt, um etwas Licht in die Themen Compliance und Regulatorik zu bringen. Connect wurde mit dem Ziel entworfen, europäischen Marktplätzen auch unter PSD2 (die Anfang Januar 2018 in Kraft tritt) eine rechtssichere Lösung zu bieten.

Neue Optionen Geldflüsse zu steuern

Zusätzlich zu diesen Neuigkeiten ermöglichen wir allen Plattformen in Europa ab heute neue, flexiblere Wege Gelder innerhalb ihrer Plattformen zu bewegen:

  • Eine-an-Viele Zahlungen ermöglichen es Plattformen Zahlungen eines einzelnen Kunden zwischen einer größeren Anzahl an Verkäufern aufzuteilen. Die französische Umzugsplattform Les Tontons Livreurs nutzt diese Funktion zum Beispiel um Zahlungen zwischen der Plattform und einer Zahl von Fahrern und Dienstleistern aufzuteilen.
  • Viele-an-Viele Zahlungen erlauben es Plattformen Zahlungen zwischen mehreren Konsumenten und mehreren Händlern oder Anbietern aufzuteilen. Plattformen nutzen dies in der Regel um alle Zahlungsflüsse auf einen Blick überschauen zu können - so müssen sie nicht selbst eine komplexe Buchhaltungsstruktur manuell verwalten oder entwickeln.
  • Gelder halten ermöglicht es Firmen wie Crowdcube eine Auszahlung noch weiter hinauszuzögern. Um das Risiko für Endkunden zu reduzieren, kann die Plattform jetzt warten, bis eine Kampagne oder ein Event stattgefunden hat, bevor die Gelder entsprechend an den Veranstalter von Stripe ausgezahlt werden.
  • Abbuchung von Stripe Konten erlaubt es Buchungsplattformen wie Musement Gelder für Zusatzleistungen direkt von den Stripe Konten der Hotels und Theatern auf ihrer Plattform abzubuchen (Sie müssen also keine Zahlungsinformationen mehr separate einholen um Gelder entsprechend abrechnen zu können).

Sie können mehr über die neuen Funktionen und die Integration in unserer Dokumentation erfahren.

Wir hoffen, dass Sie diese zusätzlichen Funktionen hilfreich finden und freuen uns auf die nächste Welle an europäischen Marktplätzen und Plattform die auf Connect aufsetzen! Melden Sie sich gerne wenn Sie Fragen oder Rückmeldung für uns haben.

Plattformen mit Stripe Connect bauen Mehr erfahren

Qu’il s’agisse de startups e-commerce comme Tictail en Suède, de sites de mode comme ASOS Marketplace au Royaume-Uni, de services de location de voitures aménagées comme Wheeliz en France, ou bien d’applications de livraison à la demande comme Glovo en Espagne, Stripe Connect est au coeur d’un nombre croissant d’entreprises parmi les plus innovantes en Europe. Connect est notre propre plateforme à destination des plateformes et places de marché qui souhaitent accepter des paiements et les redistribuer à des destinataires tiers. Aujourd’hui, nous ajoutons de nouvelles fonctionnalités et options d’intégration pour Connect, dans tous les pays où Stripe est présent en Europe, pour accompagner la croissance internationale des plateformes et places de marché.

Les comptes Custom sont disponibles en Europe

En plus des comptes Standard, les comptes Custom sont désormais disponibles en Europe. Avec ces derniers, les plateformes peuvent personnaliser l’expérience utilisateur, y compris le formulaire d’inscription des marchands ou vendeurs, ainsi que l’accès aux données du compte et l’interface de reporting.

Nous avons aussi écrit un guide complet à destination des plateformes afin de les accompagner dans la compréhension des nouvelles régulations sur les paiements. Connect offre aux plateformes un produit parfaitement conforme aux règles PSD2 qui entreront en vigueur en Janvier 2018.

Découvrez de nouvelles fonctionnalités pour répartir vos paiements

De plus, nous avons aussi développé des flux de paiements plus flexibles pour les plateformes, tels que :

  • les paiements ‘One-to-many’ - qui permettent aux plateformes de séparer un paiement pour le distribuer à plusieurs destinataires. En France, le service de déménagement Les Tontons Livreurs utilise cette fonctionnalité pour séparer les paiements entre la plateforme et les différents chauffeurs qui peuvent être amenés à fournir ce service.
  • les paiements ‘Many-to-many’ - qui permettent aux plateformes de répartir les paiements de plusieurs clients entre plusieurs marchands ou vendeurs. Ces plateformes utilisent Connect pour centraliser chaque élément de leur flux de paiement, et ne pas avoir à créer et gérer manuellement ces transactions et le reporting associé.
  • la ‘Retenue des fonds’ - donne à des entreprises comme Crowdcube la possibilité de conserver les paiements sur la plateformes avant de les redistribuer aux destinataires. Ils peuvent ainsi se prémunir de certains risques, en attendant la fin de la campagne de financement, ou la fin d’un évènement, avant de payer le porteur de projet ou l’organisateur d’évènement.
  • les ‘Débits de Comptes’ - permettent à des plateformes de réservation comme Musement de débiter des musées et lieux d’intérêt touristique en Europe pour l’utilisation de services additionnels, directement depuis leur balance Stripe (les comptes connectés n’ont pas besoin d’ajouter une carte pour effectuer ce paiement).

Vous trouverez plus d’informations sur ces fonctionnalités dans notre documentation Connect.

Nous espérons que ces nouveautés vous seront utiles, et avons hâte de découvrir les futures plateformes et places de marché européennes créées avec Connect ! N’hésitez pas à nous contacter pour toute question ou si vous avez le moindre retour.

Créez votre plateforme avec Stripe Connect En savoir plus

Desde startups de comercio electrónico como Tictail en Suecia y páginas web de moda como ASOS Marketplace en el Reino Unido, hasta servicios de alquiler de coches como Wheeliz en Francia y aplicaciones de reparto bajo demanda como Glovo en España, Stripe Connect está detrás de un número creciente de las plataformas y compañías más innovadoras en Europa. Connect es la plataforma de pagos para plataformas que necesitan aceptar dinero y pagar a terceros. Hoy, estamos ampliando las nuevas opciones de envío de fondos e integración de Connect a todos los países en los que Stripe opera en Europa, con el objetivo de ayudar a plataformas y marketplaces a escalar su forma de trabajar por todo el mundo.

Las cuentas Custom ya están disponibles en Europa

Además de las cuentas Standard, las cuentas Custom están ahora disponibles en todos los países Europeos. Con cuentas Custom, las plataformas pueden personalizar completamente la experiencia de usuario, incluyendo el registro, el panel de control y las interfaces de usuario de generación de informes.

Dado que navegar el marco regulatorio para plataformas de pago es muy complicado, también hemos escrito una guía detallada para ayudar a las plataformas a comprender la nueva regulación en materia de pagos. Connect ofrece a los marketplaces que operan en Europa un producto perfectamente conforme con la Directiva de Servicios de Pago (PSD2), que entra en efecto en enero de 2018.

Descubre nuevas formas de enviar pagos

Además de esto, también hemos desarrollado flujos de fondos más flexibles para las plataformas, como por ejemplo:

  • Los pagos ‘One-to-many’ permiten a las plataformas dividir un pago de un único cliente entre varios destinatarios. El servicio de mudanzas Les Tontons Livreurs usa esta función para dividir pagos entre su plataforma y los varios conductores que proveen el servicio.
  • Los pagos ‘Many-to-many’ permiten a las plataformas dividir fondos entre múltiples consumidores y múltiples servicios de terceros o proveedores. Las plataformas usan Connect para hacer un seguimiento de cada parte de su flujo de fondos en un único lugar, sin necesidad de crear y gestionar manualmente los informes de contabilidad asociados.
  • La ‘Retención de fondos’ proporciona a compañías como Crowdcube una manera de esperar antes de enviar transferencias. Ahora pueden mitigar riesgos esperando a que una campaña o evento hayan finalizado antes de pagar al recaudador de fondos o al organizador del evento.
  • Los ‘Débitos a cuenta’ permiten a plataformas de reservas como Musement cobrar a museos y teatros por toda Europa por servicios adicionales debitando directamente su balance de Stripe. (Las cuentas conectadas ya no necesitan añadir una tarjeta de crédito para efectuar pagos a la plataforma).

Puedes obtener más información sobre estas funciones y cómo integrarlas en nuestra documentación.

Esperamos que estas novedades te sean útiles. ¡Tenemos muchas ganas de descubrir la futura ola de marketplaces y plataformas creadas usando Connect! Por favor, escríbenos si tienes cualquier duda o comentario.

Crea tu plataforma con Stripe Connect Más información

June 14, 2017

Improving Connect to enable more platforms

Jorge Ortiz on May 25, 2017

Managing payments for marketplaces and platforms is harder than for most other businesses: not only do these businesses have to accept money from customers, but they also need to handle funds and pay out to third parties. Adding further complication, paying out money means doing things like checking recipient IDs, reporting taxable income, and a whole host of new tasks.

We first launched Stripe Connect in 2012 to make all of this easier. We're continuing to improve on and add to Connect's functionality to simplify the process of running a marketplace or platform, to allow for faster expansion to new markets, and to enable a growing set of business models.

Support for more business models on Connect

The canonical Connect use case involves routing a single charge from one customer to one recipient—for example, backing a campaign on Kickstarter. But, as consumer needs change and markets evolve, businesses have asked for more powerful and flexible tools to help route payments and handle business logic.

Today, Connect adds support for a variety of new ways to move funds, including the flexibility to split charges and transfers.

  • With one-to-many payments, you can can easily split a payment from a single customer between multiple recipients. Imagine the payment for a Postmates order being divided between the restaurant, the courier, and Postmates.
  • Many-to-many payments enables platforms to split funds between multiple consumers and multiple third-party vendors or providers. The platforms use Connect to track every part of their payments flow in one place, and they don’t have to manually build and manage a ledger.
  • Holding funds gives you escrow-like ability to wait before paying out. Companies like Indiegogo can mitigate risk by waiting until after a campaign or event has occurred, before paying the fundraiser or event organizer. (Holding funds is limited to 90 days.)
  • Account Debits lets you debit a recipient’s Stripe account balance, instead of having to collect credit card information. Platforms like ChowNow use this to charge their restaurants for ancillary services, like marketing.

To learn more about these features, check out the Connect documentation.

Faster development and faster user onboarding with Express

We’re also introducing Express, the easiest way to onboard a new seller or recipient. Express handles all the required data collection—from bank account information to identity verification—while being obsessively focused on quick onboarding on both desktop and mobile. You can customize the Express UI so it fits perfectly with your existing signup funnel, and you have the flexibility to control payout schedules. Your recipients can access the Express dashboard through your platform and see when they'll get paid.

Restocks integrated Express for their streetwear marketplace in two weeks, with one engineer. Poppy uses Express to help parents pay sitters and WeTravel uses Express to enable group trips and yoga retreats around the world. In addition to the quick integration, our early users have told us that recipients can get onboarded to their platform, and be ready to accept payments, in just minutes. Learn more about Express.

In addition to Express, platforms can also choose to integrate Connect with Standard accounts or with Custom accounts. Standard accounts (previously known as Standalone accounts) let platforms manage payments on behalf of a constellation of regular Stripe accounts; each seller has their own full Stripe account. Custom accounts (previously known as Managed accounts) are powered entirely by our API, and let the platform create and manage virtual accounts for each marketplace participant. If you're already a Connect user, these name changes won't affect your integration. More on the account types supported by Connect.

Multi-sided platforms across every industry

We’re excited by all the different—and unexpected—use cases businesses are discovering for Stripe Connect!

Squarespace uses Connect to help offline stores easily create a beautiful online presence. Because they use Connect to support their e-commerce offering, they’re able to focus their engineering resources on user-facing features instead.

Kickstarter has found it much easier to expand internationally with Connect, quickly opening up new markets like Mexico, Singapore, and Hong Kong in the past year alone:

Lyft uses Connect to implement its ride-sharing platform. (And within a year of adding support for Connect’s Instant Payouts, more than 50% of Lyft’s payouts to drivers were happening instantly to debit cards.)

These businesses are joined by thousands more, including travel and events companies like TripleSeat, SaaS platforms like DocuSign, rental platforms like Cozy, and insurance companies like Clover Health. Learn more about what platforms use Connect for.

Express and the new fund flow options above are available in the US today, and coming soon in many more countries.

We hope you’ll find these updates useful. Please let me know if you have any feedback or questions. We’re looking forward to seeing the next wave of marketplaces and platforms built on Connect!

Build your platform with Stripe Connect. Learn more

May 25, 2017

How Stripe teaches employees to code

Ella Grimshaw on May 3, 2017

Code is central to Stripe: we build APIs, software tools, and infrastructure that are in turn used by other software engineering-driven businesses. And of course code is also central—by definition—at other software companies.

It’s easy for familiarity with code to become a barrier between different groups within a technology company: lots of companies have an upper tier of code-wrangling wizards that are supported by the rest of the company, sometimes known as the non-engineers. From the beginning, we’ve tried hard to avoid this at Stripe. In seating, we mix engineering teams with non-engineering teams. When we hire, we seek out engineers who are excited about problems beyond code itself. When we communicate internally, we make sure our engineering work is open and comprehensible to all Stripes, and that each improvement to our platform and even internal infrastructure is shared widely.

Last year, we decided to take another step and to start a coding class for any interested employees. The goal of this class wasn’t to help people become full-time engineers. It was instead to help people get deeper insight into how modern software development works so that they could better understand how problems get solved at technology companies. We hoped it could also provide a foundation that would make it easier for participants to continue to self-teach if they found it enjoyable—getting started is often the hardest part.

Based on the success of the class, we realized that the experience might be interesting for people at other companies to read about and perhaps replicate. So here’s a blog post about how we did it.


The experiment

We started our first experiment in August last year by running an immersive 50-hour 10 week coding class pilot with 24 Stripes. (In addition to helping to organize the program, I was also a participant in it.)

We decided to hire a full-time instructor to build, teach, evaluate and scale the class. We realized that having a full-time instructor would be important: the nuances of a particular company’s development stack and putting together relevant educational materials is a quite time-consuming undertaking. Jen, our instructor, spent several weeks integrating into Stripe before writing any of the content or asking about potential applications.

The class took place for 2.5 hours twice per week. In it, we covered the basics of modern programming, with a focus on web development: HTTP, Ruby, Linux, Git, SQL, HTML, CSS, JavaScript. These topics were taught through a combination of lectures, group activities, and individual work in order to establish familiarity with the concepts. This level of understanding enabled each participant to build a basic web store with a Stripe integration at the end of the course.

Like most of the class, I’d never so much as seen a line of code before (my day job was working on recruiting). But, pretty soon, I was using the Stripe Ruby library to implement various features into my newly-created web store. More broadly, and probably most importantly, I came to better appreciate the technical underpinnings behind many cultural norms both at Stripe and across the industry. For example, “==” is used at Stripe to mean you’re in agreement—but I learned that it’s used to test for equality between objects as well.

The class also ended up being a fun way to get to know other people within the company. Our TAs were volunteer Stripe engineers and, class by class, I ended up talking to and often working with people who I rarely interacted with in other contexts.


Results

People loved the class: on average, Stripes strongly agreed that we should continue to offer the class internally (rather than provide a stipend for external courses) and agreed that the course made them more effective in their role. Participants also reported​ ​improvement in two particular areas: ​(​1) ability to autonomously and confidently work with technical users, candidates, and Stripes and ​(​2) fluency with technical tools like​ the Stripe API, and our analytics tools. (One participant shared “I’m much more willing to jump into technical conversations or questions given that I actually understand some of the underlying context.”)

So we decided to implement it at scale. Based on the feedback and our general observations, we broke the course into three month-long modules, and launched the first iteration on April 10th:

  • Intro to Engineering (4 hours/week): Learn to think about code the way Stripe engineers do. We’ll read and debug Ruby, and use tools like GitHub and Terminal.
  • The Stack (1 hour/week): Tackle the combination of technologies that form a web app, such as HTML and CSS.
  • Stripe Projects (4 hours/week): Build a simple integration using Stripe’s API and design a final group project of your choice.

This year, we plan on teaching at least 100 Stripes (about 20% of people not currently working in engineering) to code.


Conclusion

At Stripe, we think we’re still in the early days of witnessing the internet’s global impact. More of what takes place in the world is going to in some way feature software as a coordinating or enabling force. I don’t know what the world looks like twenty years out, but it seems clear to me that some of today’s most interesting and important technologies are better understood with a foundational understanding of how programming works.

If you’re thinking about rolling this out at your company, or have more questions about our design or process, I’d love to chat.

May 3, 2017

New roles and permissions in the Dashboard

Aaron Forsander on April 25, 2017

Today, we’re updating our support for team roles in the Dashboard: we’ve made what’s there clearer and we’re also adding two new roles.

If you haven't seen this part of the Dashboard before, we support you giving as many team members as you like access to your Stripe account. When we first added teams and roles to Stripe, we only provided three access levels: administrator, read and write, and read-only. We’ve heard feedback that different job functions need a more distinct set of permissions when accessing Stripe accounts.

Now, users assigned the new Developer role can access API keys and most settings, but cannot edit any team or bank account settings. We renamed Read & Write to Analyst, but the permissions remain the same. Users assigned the Support Specialist role can view most data (such as Subscriptions plans, payment data, or charges marked as fraudulent in Radar) and refund charges, but cannot edit settings or modify rules. Since many of your team members may be assigned this role, we limit what aggregate financial data they can access, such as gross volume or payouts. There are more specific details here.

You can apply the new roles in your Dashboard settings.

We hope these granular roles provide more flexibility to tailor access for your teammates and help ensure that sensitive information and actions are protected. If you have any questions or feedback, please let us know!

April 25, 2017

Introducing Increment

Will Larson on April 13, 2017

As software becomes more important in the world, the practice and art of software is becoming more important too. A lot has been written about how individual engineers can be more effective. We've noticed that much less has been written about how software engineering teams can be more effective.

Groups of humans building software together vary enormously in their productivity. Some manage to be vastly more than the sum of their parts while others struggle to reach even half of that. The mechanics of how we work together determine not only the output of the team but also the satisfaction, enjoyment, and growth of the individuals.

Despite their importance, we've noticed our practices for working together tend to be tribally transmitted in ad hoc ways: based on experiences with different approaches that people have had at different companies or on the occasional blog post that someone has read. We wondered if something better was possible.

And so we've decided to start Increment, a software engineering magazine dedicated to providing practical and useful insight into what effective teams are doing so that the rest of us can learn from them more quickly. We plan to focus on the ostensibly small things that are actually big things: testing, deployment, development tools, code review. Team practices are very mutable; if we can help accelerate the transmission of good ideas even a little bit, that could be a big deal across the industry.

Susan Fowler joined Stripe to found and edit Increment and the first issue launches today. It's focused on on-call practices across the industry. Who gets paged? How is incident response coordinated? How should your approach look differently at 10 people versus 1,000? The issue is based on interviews with dozens of experts across the industry and includes data from Google, Facebook, Amazon, Netflix, and more. You should go read the whole thing.

Increment will be published quarterly. If you'd like to submit a piece, please drop us a note. And if you've ideas for topics that you'd like to see addressed in a future issue, we'd love to hear that, too.

Read the first issue

April 13, 2017

Making it even easier to start an internet business with Stripe Atlas

Taylor Francis on April 6, 2017

Just over a year ago, we launched Stripe Atlas, a new way to start an internet business. It was something of an experiment to begin with, but the response has been hugely encouraging. Since we announced Atlas, thousands of entrepreneurs from 124 countries have used Atlas to start their company. Atlas companies are building everything you could imagine, including a deployment platform in California, a presentation tool in Chile, and a cosmetics startup in the Gaza Strip.

We've been listening carefully to what Atlas users have requested. Based on this feedback, we’re excited to roll out a bunch of improvements today. These will make it easier to get access to banking services, to join Atlas, and to connect with other Atlas founders.

Faster access to your bank account

Opening a business bank account is often a pain and takes longer than it should. We’ve worked closely with Silicon Valley Bank to provide a bank account for all Atlas companies. (We chose Silicon Valley Bank because they’re the main bank that we see top startups choose.) When we first launched Atlas, it took a few days to get your account set up. We’ve worked on solving that with SVB. Starting today, most Stripe Atlas founders will be able to log in to their bank account within a few minutes of electronically signing the Atlas documents. In addition, Atlas founders can request a U.S. debit card that makes it easy to sign up for other services and pay for other products. (Here’s the full fine print on Atlas and banking.)

Open to U.S. entrepreneurs

When we launched Atlas, we were focused on making it easier for entrepreneurs outside the U.S. to get started. Since then, we’ve heard from thousands of entrepreneurs located within the U.S. who want to use Atlas, and we’ve worked with many founders based in the U.S. to get their companies started. (And it’s not a surprise—Atlas sets up every company with the standard defaults and banking infrastructure used by top U.S. tech companies.) So, starting today, Atlas is now officially open for business for U.S. founders, and we’re working to add more benefits to Atlas that will specifically be useful to founders in the U.S.

Atlas invitations from current members

Stripe Atlas is available to join by invitation only, but we want to make it available to as many founders as we can. Starting today, existing Atlas founders can invite other entrepreneurs to join—we think this will be the easiest way for many people to get access. Anyone can still apply directly for an invitation, and we’ll respond within two weeks.

Expanding the Stripe Atlas Network

We’ve expanded the Stripe Atlas network of investors and accelerators from around the world. The network now consists of over 200 members and we’ve also added other types of organizations like Kickstarter, Indiegogo, and YC Startup School to the network. All of these members can invite founders to join Atlas. You can check out a gallery and get in touch here.

The Atlas Forum

One of the most useful sources of knowledge for entrepreneurs is simply talking to other founders. A lot of Atlas participants asked us about a way to connect with other founders. So we’ve created the Atlas Forum, a members-only discussion board. In addition to providing a place to ask questions and share experiences, we’ve been hosting some special events: in the last month, the forum has featured a Q&A with Keith Rabois of Khosla Ventures, "Ask an Accountant" sessions with accounting firm PwC, and "Ask an Attorney" sessions with international tech law firm Orrick. Many Atlas users are actively raising capital, so we hosted a Q&A session with Kirsty Nathoo (CFO of Y Combinator). We also provided individual feedback on applications to YC’s next class for every Atlas company who requested it. We plan to continue these over time, and, over the next month, we’ll be hosting private interviews with Sam Altman, President of Y Combinator, and Diane Greene, founder of VMWare and SVP of Google Cloud.

With these updates, we’re excited to help more entrepreneurs get started. You can learn more and apply to join. We can’t wait to see what you build.

Start your company with Stripe Atlas Join Atlas

April 6, 2017