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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.

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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.

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October 27, 2016

Introducing Veneur: high performance and global aggregation for Datadog

Cory Watson on October 18, 2016 in Engineering

When a company writes about their observability stack, they often focus on sweet visualizations, advanced anomaly detection or innovative data stores. Those are well and good, but today we’d like to talk about the tip of the spear when it comes to observing your systems: metrics pipelines! Metrics pipelines are how we get metrics from where they happen—our hosts and services—to storage quickly and efficiently so they can be queried, all without interrupting the host service.

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October 18, 2016

Stripe in Japan!

Daniel Heffernan on October 4, 2016

本日、日本へ向けて Stripe の標準機能をいよいよ正式リリースいたします!

これより日本のすべての企業は Stripe に登録し、Stripe の全機能を活用できるようになります。主な機能は — 即時アカウント登録、130 通貨以上の決済への対応、Connect のマーケットプレイス機能、国内最速レベルの振込周期 — など、今までの日本市場には存在しなかったものです。

昨年日本でベータ版を開始した際、スタートアップ・エコシステムの急成長、新しいビジネスへの要望 ( サースやマーケットプレイスなど ) やグローバル展開を視野に見据えた日本企業からの関心の高さを受け、私たちのプロダクトが日本の起業家たちに変化をもたらす、新しい機会を与えると感じました。

昨年以来、これらの機能は何千もの革新的な日本企業と共に、徹底的なテストが行われてきました。Peatix ( コミュニティの育成・管理を行うためのツール開発 ) 、Gengo ( 世界中のビジネスに向けた翻訳サービスを提供 ) 、ANA ( 日本最大の航空会社 ) の各社を含め、これまでフィードバックをお寄せいただいた皆様のおかげで、日本で無事に安定した製品をリリースできますことを深く感謝いたします。

日本のユーザをサポートするために、信頼できる日本語サポートを提供できる現地チームを立ち上げ、原宿に拠点も設立いたしました。採用情報にご興味のある方は是非ご連絡ください!

日本に提供される新しいインフラストラクチャで現在・将来のユーザが作り出すビジネス、製品、サービスに期待しています。フィードバックやご質問があれば是非ご一報ください。皆様のお声をお待ちしております。

日本ですぐに支払いの受付を開始する。Stripe にユーザ登録

Today, we’re excited to publicly launch Stripe in Japan!

Every business in Japan can now sign up for Stripe and take advantage of the complete Stripe stack. Many core Stripe features—instant setup, support for 130+ currencies, the ability to build marketplaces, fast and frequent transfers, and more—have not been available in the Japanese market before.

When we started our beta in Japan last year, we saw an opportunity for our product to make a difference for local entrepreneurs: there is a growing local startup ecosystem, an appetite to build new types of businesses (like SaaS companies and marketplaces), and an increasing interest from Japanese companies to expand beyond the local market and go global.

Over the last year, thousands of the most innovative Japanese companies have battle-tested these features with us. Companies like Peatix (which builds tools to manage and grow communities), Gengo (which provides translations for businesses around the world), and ANA (the largest airline in Japan). We’d like to thank all our beta users for their feedback as we’ve rolled out and polished our product for Japan.

To support our Japanese users, we’ve also built a local team to provide reliable Japanese-language support out of our Harajuku office. If you’re interested in joining our growing team, please reach out!

We’re looking forward to seeing what these and future users will build on the new infrastructure we’re bringing to Japan. And if you have any questions or feedback, just drop me a line.

Start accepting payments instantly in Japan. Sign up for Stripe

October 4, 2016

Stripe in Singapore!

Piruze Sabuncu on September 20, 2016

Today, we’re excited to fully launch Stripe to all Singaporean businesses—any entrepreneur in Singapore can now instantly start accepting payments.

Since our beta launch just last year, we’ve been thrilled to work with many innovative Singaporean companies to start and scale their businesses. Between subscription companies like Tradegecko and Guavapass, on-demand platforms like Grab, e-commerce startups like Grain and Hipvan, and new kinds of marketplaces like Oddle, more than 50% of venture-backed companies in Singapore now use Stripe. In addition, we’ve worked with global platforms like Shopify, Deliveroo, and Kickstarter to make their services available in Singapore.

With more than 90% of the population already using a smartphone, Singapore is one of the heaviest adopters of mobile technology in the world. And so, out of the box, we’ll enable Singaporean businesses to accept both Apple Pay and Android Pay.

Pricing is simple and predictable: 3.4% + S$0.50 per successful charge. Volume pricing is available for businesses at scale—please get in touch if you expect to process more than S$50,000 a month.

Founded as a nexus for trade between India, China, and Europe, Singapore embodies international commerce. We’re excited to support the next generation of global businesses being built by Singaporean entrepreneurs.

On that note, we’d love to grow our team in Singapore to help more businesses manage their global payments easily and securely. If you’d like to work with us in Singapore, or elsewhere, please reach out!

Start accepting payments instantly. Get Started with Stripe

September 20, 2016

Instant Payouts for Marketplaces

Dave Coen on September 19, 2016

Starting today, marketplaces using Stripe Connect can send Instant Payouts to sellers or service providers on their platform. To start, it’ll be available to marketplaces in the U.S. using Managed Accounts.

Unlike traditional bank transfers that can take several days, Instant Payouts are deposited and available in just minutes. This way, marketplaces can give service providers a much better product experience by sending them their earnings faster than ever—and greater flexibility and control over when they get paid.

We’ve been testing Instant Payouts as a beta with platforms of all sizes, including Lyft, Instacart, goPanache, Postmates, and Care.com. Across our beta users, service providers for on-demand marketplaces are thrilled to receive earnings faster.

Lyft, which was the first platform to integrate last November, has already sent over $500 million to drivers using Instant Payouts. In fact, Lyft now sends the majority of its driver payouts instantly—the only ridesharing company to do so. (Check out what Lyft driver Justine had to say about Lyft’s Express Pay.)

Here’s how it works:

  1. Collect debit card details: An increasing number of marketplaces are building their payout flows around debit cards. Bank details are hard to dig up and error-prone, but everyone has a debit card in their pocket. (Stripe will also automatically verify the details when a debit card is added.) Instant Payouts can be sent directly to service providers’ debit cards and funds are automatically deposited into the bank account linked to the debit card.
  2. Let sellers request Instant Payouts: Platforms typically offer Instant Payouts as an option in addition to their regular payout timing. Marketplaces can also customize when service providers can request a payout to their bank accounts. For example, Lyft offers an instant payout option in addition to their weekly transfer—and only once a driver earns $50.
  3. Send the payout: For the vast majority of payouts, funds are deposited within minutes. Initiating an Instant Payout requires just one additional parameter when creating a transfer:
curl https://api.stripe.com/v1/transfers \
  -u sk_test_jId8tWpQJuUpj7dtRQnkyH3t: \
  -H "Stripe-Account: acct_102lvT2rmKZAYQkm" \
  -d amount=5184 \
  -d currency=usd \
  -d destination=default_for_currency \
  -d description="Transfer to peter.r@example.com" \
  -d method=instant

Check out our docs for more details on how to integrate. Instant Payouts cost 1.5% of the payout amount, with a minimum fee of 50¢.

We’ve consistently heard from marketplaces of all sizes that attracting (and retaining) more service providers is crucial for growth and that this is often the tougher side of the marketplace to build. We’ve already seen that offering Instant Payouts has helped our beta users achieve that goal and we’re looking forward to more marketplaces enabling this feature soon.

If you have any questions, feedback, or need help getting started, please contact us!

Everything marketplaces need to get sellers paid. Explore Stripe Connect

September 19, 2016

Get ready for Apple Pay on the Web

Charles Francis on August 29, 2016

Update: We’ve now published our full guide for Apple Pay on the Web. Get started with your integration by reading our docs.

Apple Pay on the Web will be available later this fall. (Apple has not yet published an exact date.) We’ve received a lot of questions about how the integration will work and we’ve been working closely with Apple to ensure that the implementation will be quick and easy for Stripe users.

Today, we wanted to give a quick overview of the steps that will be required to support Apple Pay on the Web to help you prepare for its release:

  • Register your domain

    In order to prevent fraud, you’ll need to register the domain of your checkout page with Apple. You’ll be able to register your domain directly in the Stripe Dashboard, which lets you skip all the steps that’d otherwise be required, like manually provisioning and generating certificates in your Apple Developer Account. You’ll also be able to register multiple domains easily via our API.

  • Check for Apple Pay support

    We’ll be updating Stripe.js with a handy function to check whether your customer can use Apple Pay. (To start, Apple Pay will only be available in Safari to macOS Sierra and iOS 10 users.) The check will involve a straightforward conditional:

    Stripe.applePay.checkAvailability(function(available) {
      if (available) {
        // Display the Apple Pay button
        // Add a click listener to present the payment dialog
      } else {
        ...
      }
    });
  • Customize the payment form

    We’ll support all the fields you can use to customize what shows up in the Payment Sheet (the dialog that presents the transaction’s details to the customer). At minimum, you’ll just need to provide the amount to charge and the currency:

    var paymentRequest = {
      currencyCode: 'usd',
      total: {
        amount: '217.49',
        label: 'Warby Parker'
      }
    };

    As you’d expect, you can also use the Stripe integration to get your customers’ shipping info via Apple Pay or charge on a recurring basis for subscriptions.

  • Create a charge

    If you use Stripe.js, no sensitive data will ever hit your servers—we’ll handle creating secure sessions with Apple, decrypt the payment info, and pass along a token that you can use to create a charge.


You can sign up to be notified as soon as Apple Pay on the Web is available—we’ll be sending our full guide first to people on this list. In the meantime, if you have questions about Apple Pay (or Stripe in general), please drop me a line!

Get ready to support Apple Pay on the Web. Create a Stripe account

August 29, 2016