Blog

Follow Stripe on Twitter

Multiple plans and previews for subscriptions

Owen Coutts on January 30, 2017

We're excited to launch a few features today that make it much easier to manage your subscriptions from the Dashboard.

Multiple plan subscriptions

One of the most common pieces of feedback we've heard from our users is that it was challenging to support business models where customers are commonly subscribed to multiple plans (such as those with "add on" features). You can now create subscriptions that are composed of multiple plans, which lets you use Stripe to better represent the business model of many subscriptions businesses.

One of our beta users, Discourse, provides hosted online forums for companies like Twitter, Github, and Docker. They offer a $100 per month standard plan, a $200 per month business plan, and custom enterprise plans. In addition to these plans, their customers also commonly choose add-on features like SSL. Previously, Discourse engineers relied on webhooks to add invoice items to accurately charge for add-ons, which required lots of monitoring.

We've now streamlined this process considerably with our multiple plans feature, which you can use in the Dashboard, or via the API. With multiple plans, you can now easily offer add-ons to your basic plans in the same subscription without additional engineering or administrative work.

You can now create a single subscription for a customer that's composed of multiple plans.

Preview subscriptions in the Dashboard

While we've had the ability to preview changes in the API for some time, it's often easier and clearer to see these changes directly in the Dashboard. We've added a new view that lets you preview the impact of changes you’re about to make to a subscription. For example, if you add tax, a coupon, or proration when creating or editing a subscription, you can now see the impact of each change before applying it to the customer. You can try out these new features in your Dashboard.

You can now preview changes to a Subscription via the Dashboard.

We hope you'll find these updates useful! We'll be launching more features that make it even easier for businesses to manage recurring billing soon. In the meantime, please reach out if you have any questions or feedback.

January 30, 2017

European payment methods

Stanislas Polu on January 24, 2017

Today, we’re introducing support for five popular payment methods for European businesses: Bancontact, Giropay, iDEAL, SEPA Direct Debit, and SOFORT. You can activate these payment methods from your Dashboard. Additionally, European businesses can now enable 3D Secure for their customers.

Giving customers the choice to pay using either credit cards or local payment methods can significantly boost conversion rates. In the Netherlands, for example, more than half of consumers prefer to pay with iDEAL instead of credit cards.

For Stripe users, supporting these varied payment methods requires integrating just one unified API. Payments made with any of these different methods will show up in the Stripe Dashboard, which makes reporting and reconciliation easy. These payment methods also work with the rest of the Stripe stack: you can design great mobile flows, create subscriptions, or build support for these payment methods into your Connect platform.

If you’re interested in accepting these payment methods, just activate them in your Dashboard—there’s no lengthy sign up process.

We’ll continue to add support for more payment methods that meaningfully increase conversion rates for Stripe users. (We’ll also enable U.S. businesses to accept these payment methods soon.) Each additional payment method we support will be compatible with the same, unified API we’re previewing today.

If your business would like to support other payment methods, or if you have any feedback or questions, please let me know!

Stripe unterstützt ab heute europäische Unternehmen mit fünf weiteren Zahlungsmethoden: SEPA-Lastschrift, SOFORT Überweisung, Giropay, iDEAL und Bancontact. Sie können diese Zahlungsmethoden direkt in Ihrem Dashboard aktivieren. Darüber hinaus können europäische Nutzer ihren Kundinnen und Kunden die Möglichkeit der Zahlungsbestätigung mit 3D-Secure geben.

Lokale Zahlungsmethoden können Ihre Conversion-Rates und das Zahlungserlebnis Ihrer Kundinnen und Kunden erheblich verbessern. In den Niederlanden bezahlen z. B. mehr als die Hälfte der Online-Kundinnen und Kunden mit iDEAL anstelle von Kreditkarten.

Stripe-Nutzer können sämtliche Zahlungsmethoden über unsere einheitliche API integrieren. Alle Zahlungen tauchen wie gewohnt im Dashboard auf, was die Berichterstattung und Kontenabstimmung vereinfacht. Die Zahlungsmethoden fügen sich auch nahtlos in alle weiteren Funktionalitäten ein. Sie können mobile Zahlungserlebnisse entwerfen, wiederkehrende Zahlungen abwickeln oder lokale Zahlungsmethoden auf Ihrem Connect-Marktplatz anbieten.

Wenn Sie an den neuen Zahlungsmethoden interessiert sind, können Sie diese einfach in Ihrem Dashboard aktivieren – es gibt keine langwierigen Anmeldeprozesse.

Wir werden in Zukunft weitere Zahlungsmethoden unterstützen, um weiterhin Conversion-Rates für unsere Nutzer zu optimieren, und diese auch Nutzern in den USA bald zur Verfügung stellen. Jede neue Zahlungsmethode wird über unsere vereinheitlichte API unterstützt, die ab heute in der Preview-Phase zugänglich ist.

Wenn Sie weitere Zahlungsmethoden anbieten möchten, oder wenn Sie Feedback und Fragen haben, lassen Sie es mich wissen!

Aujourd'hui, nous mettons à la disposition de nos utilisateurs européens cinq méthodes de paiement supplémentaires : Bancontact, Giropay, iDEAL, prélèvements SEPA, et SOFORT. Vous pouvez activer ces méthodes de paiement depuis votre Dashboard. De plus, les utilisateurs européens peuvent désormais demander à activer 3D Secure pour leurs clients.

Permettre à vos clients de payer avec une méthode de paiement locale en plus de leur carte de crédit peut considérablement améliorer vos taux de conversion. Aux Pays-Bas, par exemple, iDEAL est la méthode de paiement de choix pour plus de la moitié des transactions en ligne.

Pour les utilisateurs de Stripe, l'intégration de ces différentes méthodes de paiement ne nécessite qu'une seule API unifiée. Les paiements effectués avec chacune de ces méthodes apparaîtront dans votre Dashboard, facilitant l'analyse de votre activité ainsi que vos opérations de réconciliation. Ces méthodes de paiements fonctionnent également avec le reste de Stripe: vous pouvez personnaliser vos flux mobiles, créer des abonnements, ou les intégrer au sein de votre plateforme Connect.

Pour accepter ces méthodes de paiement, il vous suffit de les activer dans votre Dashboard - il n'y a pas de long processus d'inscription.

Nous prévoyons avec le temps de supporter davantage de méthodes de paiement si elles permettent aux utilisateurs de Stripe d'augmenter sensiblement leurs taux de conversion. (Toutes ces méthodes de paiement deviendront également accessibles aux utilisateurs américains avec le temps.) Chaque méthode de paiement additionnelle que nous supporterons sera compatible avec la même API unifiée dont nous offrons un aperçu aujourd'hui.

Si vous souhaitez nous voir supporter une autre méthode de paiement en particulier, donner votre avis ou poser vos questions, faites-nous signe !

Hoy ponemos a disposición de nuestros usuarios europeos cinco métodos de pago adicionales: Bancontact, Giropay, iDEAL, Adeudos Directos SEPA, y SOFORT. Puedes activar estos métodos de pago desde tu panel de control. Además, nuestros usuarios europeos pueden habilitar desde hoy 3D Secure para sus clientes.

Ofrecer a los clientes la opción de pagar usando tarjetas de crédito o métodos de pago locales puede incrementar significativamente las tasas de conversión. En los Países Bajos, por ejemplo, más de la mitad de los consumidores prefieren pagar con iDEAL en lugar de con tarjetas de crédito.

Para los usuarios de Stripe, ofrecer diferentes métodos de pago requiere integrar únicamente una sola API unificada. Los pagos realizados con cualquiera de estos métodos aparecerán en tu panel de control de Stripe, facilitando así el análisis de tu actividad y reconciliación contable. Estos métodos de pago también funcionan con el conjunto de Stripe: puedes diseñar fantásticos flujos móviles, crear suscripciones, o integrar estos métodos de pago en vuestra plataforma Connect.

Si estás interesado en aceptar estos métodos de pago, simplemente actívalos en tu panel de control—sin necesidad de largos procesos de inscripción.

Continuaremos añadiendo más métodos de pago que permitan a los usuarios de Stripe incrementar significativamente sus tasas de conversión. (Estos métodos de pago serán igualmente accesibles para nuestros usuarios estadounidenses). Cada método de pago adicional que apoyemos será compatible con la misma API unificada de la versión preliminar que os presentamos hoy.

Si deseas ofrecer otros métodos de pago, darnos tu opinión o consultar alguna duda, háznoslo saber.

January 24, 2017

Starting a real business

Patrick McKenzie on December 14, 2016

Starting a business is hard. Some of the difficulty is intrinsic—making products and services then convincing customers to pay for them will always be a challenge. Some of the difficulty is unnecessary—access to the infrastructure and tools for starting up an internet business is not evenly distributed.

We built Stripe Atlas to remove the barriers that prevent some entrepreneurs from participating in the global economy on an equal playing field. Many of us here at Stripe have started businesses ourselves and we remember puzzling over taxes and being confused by Terms of Service. This pain is unnecessary and we’re setting out to fix it by sharing what we’ve learned to help build and start businesses. Today, we’re publishing our first guide—on topics around incorporation and taxes—and we’ll be writing more in the future.

’Real’ businesses

In the technology industry, we often talk about “imposter syndrome”—the feeling that everyone around you knows what they’re doing and that you and you alone are just muddling along. The words that come up over and over again in our discussions with entrepreneurs are “real business.”

“If we were a ‘real’ business, we’d have a business plan, but since I don’t have an MBA, I’m just winging it.”

“In a ‘real’ business this system would be monitored, but we have higher priorities this week.”

“I might be able to get investors interested, but why would they be? I’m just a geek working on a website, far from Silicon Valley with all the ‘real’ businesses.”

This feeling is particularly common among first-time entrepreneurs, folks from underrepresented backgrounds, and entrepreneurs in regions without a deep ecosystem of successful internet companies…but it is surprisingly pervasive almost everywhere. We’re all making it up as we go along. (There is no magic elite circle of Silicon Valley whiz kids who feel like they’ve got this figured out.)

Running a business is a learnable skill

We think that bookkeeping, accounting, risk management, and the other mechanics of running a business are tools, not secrets. You can learn them. We’ve collected insight from lawyers at Orrick, accountants and tax experts at PwC, and experienced entrepreneurs to help demystify some of these subjects. Just like the tech industry has benefited tremendously from open-sourcing pieces of our collective technical infrastructure, we think that the global community of entrepreneurs will benefit from democratizing access to the technology of building and running businesses.

You can read more about bookkeeping, accounting, employment, incorporation, risk management, taxes, and contracts in the guide. If there are other subjects you’d be interested in having us cover, please drop us a line at atlas@stripe.com.

Starting a business? Learn about incorporation and taxes. Read the guide

December 14, 2016

Android SDK updates

Michael McDuffee on December 5, 2016

We just launched version 1.1.0 of our Android SDK, which fixes a few bugs and adds some new features:

NewThreading control

Based on your feedback, we’ve added the option to granularly control threading in your app without having to use AsyncTasks. Many modern Android apps take advantage of the abstractions afforded by ReactiveX, so we’ve included an example on how to do it with RxJava.

Updatebrand instead of type for cards

Like the other Stripe API libraries, we now keep track of a card’s brand instead of its type in the Android SDK as well. There’s no change required—we’ve automatically mapped Card#getType() to Card#getBrand().

NewLook up a card’s funding source

When you tokenize a card, the SDK will now return whether it’s a credit, debit, or prepaid card in case you want to handle these card types differently in your app.

NewJavadoc

We’ve added Javadoc to all of the major classes in the SDK so that you can look up functions and parameters right from your favorite IDE:

To start using these features, just download the latest library or update the inclusion line in your gradle dependencies. (We’ve also updated our example app to take advantage of these new features.)

We’ll be adding many more features to our Android SDK over the next few months—if you have questions or feedback, please let me know!

December 5, 2016

Service discovery at Stripe

Julia Evans on October 31, 2016 in Engineering

With so many new technologies coming out every year (like Kubernetes or Habitat), it’s easy to become so entangled in our excitement about the future that we forget to pay homage to the tools that have been quietly supporting our production environments. One such tool we've been using at Stripe for several years now is Consul. Consul helps discover services (that is, it helps us navigate the thousands of servers we run with various services running on them and tells us which ones are up and available for use). This effective and practical architectural choice wasn't flashy or entirely novel, but has served us dutifully in our continued mission to provide reliable service to our users around the world.

Read more

October 31, 2016

A primer on machine learning for fraud detection

Michael Manapat on October 27, 2016 in Engineering

Stripe Radar is a collection of tools to help businesses detect and prevent fraud. At Radar’s core is a machine learning engine that scans every card payment across Stripe’s 100,000+ businesses, aggregates information from those payments into behavioral signals that are predictive of fraud, and blocks payments that have a high probability of being fraudulent.

Radar’s power comes from all the data we obtain from the Stripe “network.” Instead of requiring users to label charges manually, Radar obtains the “ground truth” of fraud directly from our banking partners. Just as importantly, the signals we use in our models include aggregates over the entire stream of payments processed by Stripe: when a card is used for the first time on a Stripe business, there’s an 80% chance we’ve seen that card elsewhere on the Stripe network, and those previous interactions provide valuable information about potential fraud.

If you’re curious to learn more, we’ve put together a detailed outline that describes how we use machine learning at Stripe to detect and prevent fraud.

Read more

October 27, 2016