Payouts with no code required—US businesses can now send funds domestically without writing a single line of code. Learn more
Every recurring revenue business works with customers who want to change a subscription, update a payment method, or view their billing history. But there’s a dilemma most startups face: Divert engineering resources to build this functionality, or not build it at all and rely on support to manually manage updates. The first option slows down your business by taking focus off your core product, while the other provides a less-than-ideal customer experience and doesn’t scale.
That’s why we built the new Billing customer portal.
Stripe Billing is already the fastest way for businesses to set up subscriptions or invoices. The customer portal makes it even easier to create a great experience for your customers while minimizing engineering investment.
Give your customers more control
The customer portal is a secure, Stripe-hosted page that lets your customers manage their subscriptions and billing details. Your customers can:
- Upgrade, downgrade, or cancel a subscription
- Update their payment methods
- View their billing history
Get started fast
The customer portal is fast to configure, preview, test and deploy—most of our beta users went from start to finish in under an hour. Check out the integration guide for step-by-step instructions.
Tuple integrated the customer portal to allow their customers to easily update a credit card. Ben Orenstein, the CEO of Tuple, noted “it was a no-brainer for us to use Stripe’s pre-built solution. This isn’t our core competency, so it would have been distracting for us to scope and build this ourselves.”
Customize to match your brand
Your customer portal should feel like a natural extension of your product experience. You can customize the appearance of your customer portal by editing the logo, headline, brand color, and accent color.
We update and iterate so you don’t have to
Integrating the customer portal unlocks a roadmap of new features with no additional engineering work. We already have several improvements in progress, such as support for updating billing & shipping addresses.
The customer portal was also built to help you stay ahead of ever-evolving global requirements. Recent examples of rule changes include Strong Customer Authentication in Europe and updated rules from Visa for free trial and promotion-driven subscriptions. The logic to handle these regulatory and network requirements is built into Billing and the customer portal by default. Rules will continue to change—we’ll do the work to help keep your setup compliant.
As always, please let us know if you have any questions or feedback—we’d love to hear from you.
Online bank transfers through FPX are now available in Malaysia. Malaysian businesses can now accept bank transfers through FPX, a popular payment method for online purchases. Stripe makes it easy to enable FPX and increase conversion with instant onboarding, an optimized payment experience with minimal redirects, and automated refunds via the Dashboard. Learn how to get started
Introducing BECS Direct Debit acceptance in Australia. Accept local bank debits from Australian customers, lower transaction costs, improve retention on recurring payments, and minimize fraud with BECS Direct Debit. Learn how to get started
Introducing Bacs Direct Debit on Stripe. Accept ad-hoc or recurring payments from UK customers using secure and cost-effective bank debits. Learn more about Bacs Direct Debit
Racism is antithetical to Stripe’s mission. Our founding purpose is the broader, fairer distribution of opportunity—opportunity accessible to and inclusive of everyone, everywhere.
While no person’s or company’s statement will change society by itself, that limitation shouldn’t paralyze. Social change requires coordinated, broad participation.
We share the deep sadness that so many are currently feeling and the upset at the injustices that lie at the root. Too many innocent people have lost their lives. Too many sickening murders, most recently that of George Floyd, attest to brutal and unjustified treatment. Too many Stripe employees have themselves been the victims of unfair treatment, discrimination, harrassment, and bigotry. And while the US is the current focal point, we are a global company, and issues around race persist as problems in every part of the world.
While it’ll take us time to identify the highest-impact actions, we don’t want to wait to do anything. In the immediate term, we are going to waive $1M of fees to nonprofits that are raising money to combat systemic racism, with a particular bias towards those relevant to the current moment. We will also contribute $100,000 each to five organizations working on reforming US policing practices or the criminal justice system.
Inside Stripe, the fraction of US employees who are Black is substantially lower than that of the American population. We wish it were otherwise and are going to increase our efforts to hire and develop Black employees in all teams and at all levels. Our goal is to meaningfully grow representation over the coming year.
Stripe won’t solve these problems alone. But we share the concern motivating so many others and would like to make crystal clear our support for building a society that solves these challenges, and where safety, security, and access to opportunity are properly accessible to all.
Last May, Stripe launched our remote engineering hub, a virtual office coequal with our physical engineering offices in San Francisco, Seattle, Dublin, and Singapore. We set out to hire 100 new remote engineers over the year—and did. They now work across every engineering group at Stripe. Over the last year, we’ve tripled the number of permanently remote engineers, up to 22% of our engineering population. We also hired more remote employees across all other teams, and tripled the number of remote Stripes across the company.
Like many organizations, Stripe has temporarily become fully remote to support our employees and customers during the COVID-19 pandemic. Distributed work isn’t new to Stripe. We’ve had remote employees since inception—and formally began hiring remote engineers in 2013. But as we grew, we developed a heavily office-centric organizational structure. Last year, we set out to rebalance our mix of remote and centralized working by establishing our virtual hub. It’s now the backbone of a new working model for the whole company.
We think our experience might be interesting, particularly for businesses that haven’t been fully distributed from the start or are considering flipping the switch to being fully remote, even after the pandemic. We’ve seen promising gains in how we communicate, build more resilient and relevant products, and reach and retain talented engineers. Here is what we learned.
JCB is a credit card network with over 135 million cardholders worldwide and a particularly high share-of-wallet in Japan. We have made JCB acceptance available to more businesses and decreased payout times.
Businesses using Stripe in Japan can now automatically accept payments with JCB, in most cases without any additional work.
One step closer to ubiquity
Technology on the internet tends to be available everywhere. Payments do not work like this, yet, but we are one step closer.
We are rolling out JCB acceptance to businesses in more countries, starting with Canada, Australia, and New Zealand, with more to come. This lets global businesses, from e-commerce sites in Canada to subscription services in Australia, easily transact with JCB cardholders.
Stripe is live in 39 countries today. We want every payment method, and feature of the platform, to be available everywhere we do business. This helps bring businesses transacting online to global parity, and brings them closer to their customers, even when they are oceans apart. We will continue working to expand access to JCB acceptance.
No assembly required
Stripe was the first payments company to defer underwriting for most businesses, letting them get started taking payments without a lengthy application and review process.
We have extended this experience to JCB. The onboarding is automatic after a Stripe account is activated and, in most cases, doesn’t require any additional steps from users.
The API call to charge a JCB card is identical to that for charging any other card, so users should not need to make any code changes to support these customers.
Tremendous opportunity for global businesses
E-commerce continues to expand rapidly in Japan, and cross-border e-commerce is increasing at an even faster second derivative. We have seen annualized growth rates of over 45% in international payments from users in Japan since 2018. This explosion in user demand is now addressable by global businesses using the same payment platform they use for other payments, without requiring any code changes or, in most cases, back office work.
Infrastructure bridges gaps between nations. Fittingly, this engineering work was also done by teams spanning the globe, led by our engineers in Singapore and Tokyo. We will have more products built with local sensibilities to share soon.
JCB は、世界中に 1 億 3500 万人を越えるカード会員を持ち、特に日本で高い顧客内シェアを持つ主要なクレジットカードネットワークです。弊社は、より多くのビジネスによる JCB カード決済の取り扱いを可能にし、入金サイクルを短縮しました。
日本で Stripe を使用するビジネスは、自動的に JCB カードでの支払いが受け付けられるようになり、ほとんどの場合、追加の申請作業は不要です。
弊社では、JCB の取り扱いをより多くの国で展開していきます。カナダ、オーストラリア、ニュージーランドをはじめに、さらに多くの国が追加される予定です。カナダの E-コマースサイトからオーストラリアの定期支払いサービスに至るまで、世界での対応拡大により、グローバル企業は JCB カード会員との取引を簡単に行うことができるようになりました。
Stripe は現在、39 カ国で稼働しており、すべての支払い方法とプラットフォーム機能がこれらの国々で利用可能になるよう努めています。このことが、オンライン取引における国際市場の平等性を促進し、世界中に散らばるビジネスと顧客をつなげるのに役立つと考えています。これからも JCB の取り扱いを拡大していく予定です。
弊社ではこの対応を JCB の取り扱いにも適用しました。Stripe アカウントの本番環境への切り替え後に審査手続きが自動的に行われ、ほとんどの場合、ユーザによる追加の手順は必要はありません。
JCB カード支払いの API は、他のカード支払いのものと同じです。ユーザはコードに変更を加えることなく、JCB カードの利用を希望する顧客をサポートすることができます。
E-コマースは日本で急速に拡大し続け、国際 E-コマースはさらに急速に増大しています。2018 年以降、日本のユーザからの国際決済には、年間 45％ 以上の成長率が見られました。グローバル企業は、このユーザ需要の急増を、バックオフィスでの作業やコード変更を必要とせず、他の決済方法と同じプラットフォームで対処できるようになりました。
Stripe is now generally available in the Czech Republic, Romania, Bulgaria, Cyprus, and Malta. This means Stripe can now support businesses in 39 countries (29 in Europe) with our complete payments platform, enabling them to sell to customers around the globe.
Stripe has been investing in our European engineering hub since 2018, and this launch was built almost entirely by those teams. That’s everything from new integrations with financial institutions to extending support for Stripe’s products.
Europe has a thriving startup ecosystem and one of the highest densities of software engineers anywhere in the world. Investing in global engineering hubs closer to users helps us better understand and build for their needs. This launch is the result of feedback from a number of businesses across Europe—MEWS, Ramon Nastase, Aesthetic by Science, and Mana are just a few of the many companies that helped shape this product during its beta phase.
The COVID-19 crisis has accelerated the shift from offline to online commerce, making the need for financial infrastructure and accessibility more urgent than ever. In the past few months, European entrepreneurs in Central and Eastern Europe have already processed hundreds of millions of euros in payments on Stripe. We’re glad we can support these businesses and are working diligently to make Stripe available to every business across Europe.
To mitigate the threat of climate change, the majority of climate models agree that the world will need to remove carbon dioxide from the atmosphere on the scale of approximately 6 gigatons of CO2 per year by 2050. That’s roughly the equivalent of the United States’ annual emissions.
Last year, Stripe announced our Negative Emissions Commitment, pledging at least $1M per year to pay, at any price, for the direct removal of carbon dioxide from the atmosphere and its sequestration in secure long-term storage. We’ve since built a small team within Stripe to focus on creating a market for carbon removal by being an early customer for promising negative emissions technologies.
Today, after a rigorous search and review by a panel of independent scientific experts, we’re excited to announce our first purchases. Our request for projects garnered a wide range of negative emissions technologies which came in two broad categories.
Carbon storage in the biosphere: These projects include planting trees or modifying agricultural practices to store more carbon in soil. These projects are relatively less expensive and benefit from immediate scale (we can plant trees today), but have shorter long-term permanence since trees can be easily burned down and carbon storage in soil can be short lived. These solutions alone are unlikely to sustain the necessary 6-15 gigatons of annual CO2 removal.
Carbon storage outside of the biosphere: Projects in this more nascent category store carbon in places besides plants and soil. Examples include directly capturing CO2 from the atmosphere and injecting it into stable rock formations underground or sequestering CO2 in concrete via mineralization. These solutions are scarce and dramatically underfunded. If they can proliferate and scale, they’ll complement in-biosphere solutions by bringing new benefits: thousand-year or longer permanence and vast carbon storage using minimal arable land.
The world will need a portfolio of negative emissions approaches across these two categories to meet the 2 degree warming target sensibly adopted by many governments. We believe Stripe can make the most impact by focusing our purchases on the latter category to help these solutions improve.
Stripe’s first purchases
From 24 promising applications, we’ve selected four high potential projects that exemplify the kinds of innovation required to advance the field. We’re especially excited to be the first purchaser from three of the four projects. In cases where the projects are still quite early and have low capacity in 2020, we’ve pre-purchased volume for future years.
Capture + storage
Zurich, Switzerland • 322.5 tons at $775 per ton
Climeworks uses renewable geothermal energy and waste heat to capture CO2 directly from the air, concentrate it, and permanently sequester it underground in basaltic rock formations with Carbfix. While it’s early in scaling, the capacity of this approach is theoretically nearly limitless. It’s also permanent and straightforward to measure. Climeworks has an ambitious cost and volume curve, with a long-term price target of $100-200 per ton. Though this technology is expensive today, we’re optimistic it will decrease in cost quickly with more early purchasers.
Capture + storage
San Francisco, USA • 3,333.3 tons at $75 per ton
Project Vesta captures CO2 by using an abundant, naturally occurring mineral called olivine. Ocean waves grind down the olivine, increasing its surface area. As the olivine breaks down, it captures atmospheric CO2 from within the ocean and stabilizes it as limestone on the seafloor. This is a compelling approach because it provides permanent sequestration with the potential for very high volume at low cost. Questions remain about safety and viability: to validate coastal enhanced weathering, more lab experiments and pilot beach projects must be performed. Stripe is Project Vesta’s first customer and our purchase will accelerate their safety study and deployment timeline.
Halifax, Canada • 2,500 tons at $100 per ton
CarbonCure’s technology sequesters CO2 in concrete by mineralizing it into calcium carbonate (CaCO3)—as a bonus, this has the side effect of actually strengthening the concrete. This solution is compelling because it’s permanent, relatively low cost, and could scale to the size of the global concrete market, sequestering >0.5 gigatons of CO2 annually. Today, CarbonCure captures most of its CO2 from industrial emitters such as ethanol, fertilizer, or cement plants. In the future, CarbonCure’s technology could use CO2 from direct air capture technologies once they become more readily available and economical, forming a full negative emissions technology. Stripe is CarbonCure’s first customer to purchase carbon sequestration, and the transaction will enable them to subsidize their costs.
San Francisco, USA • 416 tons at $600 per ton
Charm Industrial has created a novel process for preparing and injecting bio-oil into geologic storage. Bio-oil is produced from biomass and maintains much of the carbon that was captured naturally by the plants. By injecting it into secure geologic storage, they’re making the carbon storage permanent. Stripe is Charm Industrial’s first customer for this approach, and Stripe’s purchase lets them begin testing this year.
Open-sourcing our materials
Over the last few months, we’ve brought together experts across a series of disciplines and institutions to guide us. We have published our process, applications, and project database on GitHub to equip other potential purchasers with better information and encourage transparency in negative emissions purchasing.
Project applications, project database, original purchase criteria, expert review forms and more.
We’ve also partnered with CarbonPlan, a non-profit that evaluates carbon removal technologies and maintains a public database of project reports with independent analysis and visualization of public data, including each project application considered by Stripe.
Expanding our commitment
Much like the early-stage businesses that get started on Stripe, we recognize that many of the future impactful projects are still quite nascent today.
In addition to reducing our own emissions, and helping projects transition from R&D to commercial deployment by purchasing at any price per ton, Stripe will expand its commitment to advance negative emissions technologies by:
- Funding early-stage research to increase the number of projects with a credible path to achieving ambitious impact.
- Raising money to create a large-scale market for carbon removal. We’ve been encouraged by how many businesses, including many Stripe users, have offered to purchase alongside us. We’d like to make it easier for companies to contribute to the most promising and impactful negative emissions technologies and measure their impact.
We’ve developed a set of project criteria that characterize the kinds of solutions needed to help round out the existing gaps in the negative emissions portfolio. Stripe is excited to support projects that have the potential to achieve these criteria by 2040, even if they don’t yet achieve them today.
We hope that this approach will accelerate technological developments to remove and store carbon at the required scale, cost, and quality level.
Call to action
Our goal is not only to remove carbon from the atmosphere, but to become an early member of an ecosystem of funders and founders who will invent ways to solve the world’s largest collective problem. We continue to search for great projects, purchasers, and experts. Please reach out to us to work together on this effort or to give us any feedback. We can be reached at firstname.lastname@example.org. (And if you’re an engineer or designer who cares about climate impact, consider joining our team).
dashboard We've added Acquirer Reference Numbers (ARN) to the Dashboard to help your customers trace card refunds.
development We’ve reduced latency on API write calls by 7% on average (and up to 30–40% for some extreme edge cases).