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.

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Stripe Billing is designed to be the fastest way for ambitious businesses to set up recurring subscriptions or one-off invoices. Companies such as Slack, The Atlantic, Notion, and Postmates use Billing so they can focus their engineering resources on their core business instead of building and maintaining a subscription-management system. And they get key advantages because Billing is deeply integrated into the Stripe payments stack—for example, our customers recovered 41% of failed payments last year through automatic card updates, smart retries, and other included capabilities.

Over the past few months, we’ve added several new features to Stripe Billing to help you support more business models, shave time off of your operations, and let you bill customers globally with advanced invoicing features:

More flexible billing logic

• Subscription schedules: With subscription schedules, you can more easily configure changes to subscriptions, including starting a subscription on a future date, backdating a subscription, or upgrading or downgrading a subscription on a future date.

  

• Sub-cent billing: Decimal amounts for pricing let you charge unit prices of a fraction of a cent for a subscription or invoice. For example, a cloud storage SaaS business might want to charge $0.0005 per MB used.

• Subscription pending updates: Pending updates let you make a change to a subscription only when a payment succeeds. For example, if your customers add a seat or upgrade to a more expensive plan, you can now charge them a prorated amount right away (or restrict access to your service if the payment fails).

Shortcuts to save you time

• MRR by product and plan: The Billing analytics dashboard provides time-saving charts and analytics right out of the box so you don’t have to spend time building them yourself. You can now view monthly recurring revenue (MRR) by specific products and plans to measure the health and trajectory of distinct parts of your business.

  

• subscription.new and invoice.new: Does your team create a lot of invoices or subscriptions from the Dashboard? We added some shortcuts. You can just type subscription.new or invoice.new in any browser to save a few clicks.

  And once you’re there, Billing’s new invoice and subscription editors are faster to use and let you create customer records in-line. Saving just a few seconds for each transaction adds up fast for your operational teams.

Customized and compliant invoicing

• Send invoices from your own domain: Your business might send a lot of invoices, receipts, and other emails via Stripe. In order to maintain a consistent brand experience, you can now send these from your own custom domain.

• Line item credit notes: We’ve improved our credit notes functionality to make it fast and easy to adjust specific line items on a finalized invoice via the Dashboard or the API. This helps keep your records accurate and gives you an easy way to issue refunds or credit customers when an invoice changes.

  

• Flexible invoice numbering: Invoices can now be numbered sequentially across your entire account—this is particularly useful for businesses that have to stay compliant with local invoicing regulations in Europe. If you’re migrating from an older invoicing system, you can start with any arbitrary invoice number to continue an existing sequence.

  

We’ll continue to add features to Stripe Billing that give your business flexibility as it grows. To get started with Billing, visit the overview—you can use all of these new features either from the Dashboard or via the API. As always, please let us know if you have any questions or feedback—we’d love to hear from you.

Millions of businesses rely on Stripe to accept payments safely. Our goal is to help those businesses maximize payments from legitimate customers, while minimizing their losses to fraud.

Online fraud causes unnecessary losses for most online businesses; for some, it can be so expensive that it threatens their viability. Accordingly, Stripe has been investing in industry-leading fraud prevention technology since 2015. Radar uses advanced machine learning (optionally augmented by human-supplied rules) to shield Stripe users from hundreds of millions of dollars of fraudulent transactions every month.

As the online economy grows, online fraud is becoming more sophisticated, and Stripe dedicates large teams to improving Radar’s accuracy and building defenses that better-protect Stripe users.

As part of Stripe’s fraud prevention, we use fraud signals detected by Stripe.js and our mobile SDKs. These signals are most commonly used to identify “bots”—scripted web browsers that make fraudulent transactions. Signals we pay attention to include things like screen resolution and browsing patterns. Stripe’s ability to use these real-time signals is part of why Radar is so effective: in a domain where even small improvements can be a big deal, they reduce the expected number of fraud-driven chargebacks a business will receive by 11%.

In response to some recent questions about how we use signals gathered via Stripe.js and our mobile SDKs, we have made some updates to provide additional clarity:

• We updated our privacy and cookie policies to make it clear that our advanced fraud detection signals are used only for security and anti-fraud purposes. Stripe doesn’t—and won’t—share or sell this data to advertisers.
• We put up a page with more details about the advanced fraud detection signals we collect.
• We’ve added the ability for site and app owners to disable advanced fraud detection signals.

We hope these updates make our commitment to our users even clearer. If you have any questions, please don’t hesitate to reach out.

Stripe Issuing is an API that allows you to create and control virtual and physical cards. Today, we’re opening access to all businesses in the US, so you can sign up and start creating cards instantly.

We built Issuing to help businesses manage how funds get spent. Companies like Zipcar want to help renters fill up the gas tank without using their personal cards. Companies like Postmates want to help couriers pay for orders without allowing unapproved purchases. These businesses couldn’t just hand out corporate expense cards—they needed to create their own cards.

The card issuance industry today looks a lot like what the payments industry did a decade ago—it can take months to integrate to a provider and manufacture cards, only to get rigid capabilities on a legacy stack. We set out to launch the first issuance platform built for developers. Our self-serve APIs and public docs give developers the tools to build the unexpected. We even created a new manufacturing process so businesses can customize physical cards from Day 1.

Now, any US business can instantly launch a commercial card program, right from their Dashboard, at no cost to get started. And Issuing comes packed with capabilities that ensure that any business—from a new startup to a tech giant—can build flexible cards with our APIs.

Pricing

Issuing has everything you need to create a card program, with no setup or monthly fees. Create virtual cards for 10¢ per card and get branded physical cards shipped to your door for just $3 per card. We’ll waive transaction fees for the first $500K in transaction volume—after that, each card transaction costs 0.2% + 20¢. For companies with large volume or unique business models, custom economics are available.

Any business in the US can now activate Issuing from the Dashboard to instantly launch a commercial card program. If you’re outside the US, you can get notified when Issuing is available in your country. If you have any feedback or questions, we’d love to hear from you.

Stripe Issuing cards offered under this program are issued by Regions Bank, an Alabama FDIC-insured state bank.

Card Issuing services may require approval and are subject to terms and conditions.

Stripe enables businesses in many countries worldwide to onboard easily so they can accept payments as quickly as possible. Stripe’s scale makes our platform a common target for payments fraud and cybercrime, so we’ve built a deep understanding of the patterns bad actors use. We take these threats seriously because they harm both our users and our ecosystem; every fraudulent transaction we circumvent keeps anyone impacted from having a bad day.

We provide our risk analysts with automated tools to make informed decisions while sifting legitimate users from potentially fraudulent accounts. One of the most useful tools we’ve developed uses machine learning to identify similar clusters of accounts created by fraudsters trying to scale their operations. Many of these attempts are easy to detect and we can reverse engineer the fingerprints they leave behind to shut them down in real-time. In turn, this allows our analysts to spend more time on sophisticated cases that have the potential to do more harm to our users.

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In April 2017, Stripe launched Increment, a quarterly print and digital magazine about how teams build and operate software systems at scale. Its mission? To act as a dependable resource, offering stories, insights, and advice to inspire and support developers—with valuable learnings from some of the tech industry’s most effective software teams.

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