Learn the significance of terminology commonly used in the documentation.


    3D Secure

    3D Secure provides an additional layer of authentication for credit card transactions that protects merchants from liability for fraudulent card payments.

    SCA PaymentIntents


    Asynchronous payment methods

    Asynchronous payment methods can take up to several days to confirm whether the payment has been successful. During this time, the payment cannot be guaranteed.




    Stripe Customer objects allow you to perform recurring charges, and to track multiple charges, that are associated with the same customer.



    Connect is Stripe’s solution for any business that needs to process payments and pay out to sellers and service providers.



    Confirming a PaymentIntent indicates that the customer intends to pay with the current or provided payment method. Upon confirmation, the PaymentIntent attempts to initiate a payment.



    Confirming an intent indicates that the customer intends to use the current or provided payment method. Upon confirmation, the intent attempts to initiate the portions of the flow that have real-world side effects.


    client secret

    The client secret is a unique key returned from Stripe as part of a PaymentIntent. This string lets the client access important fields from the PaymentIntent (e.g., status) while hiding sensitive ones (e.g., amount).


    Card authentication

    A bank may require the customer to authenticate a card payment before processing. Implementation varies by bank but commonly consists of a customer entering in a security code sent to their phone.



    European Economic Area

    The European Economic Area is a regional single market with free movement of labor, goods, and capital. It encompasses the European Union member states and three additional states that are part of the European Free Trade Association.


    EMV refers to the standards governing acceptance of chip-enabled cards and some contactless payment methods. Today most payment cards issued around the world support EMV.

    terminal payments



    Fulfillment is the process of providing the goods or services purchased by a customer, typically after payment is collected.



    Flexible Spending Account or Health Savings Account debit cards use pre-tax funds to cover certain types of purchases, such as medical expenses. Their use is restricted only to businesses that directly provide eligible products and services.



    incremental onboarding

    Incremental onboarding is an onboarding experience that enables you to collect all required verification information from your users at sign-up.


    Merchant-initiated transaction

    A payment made off-session with a properly authenticated saved card, can qualify as merchant-initiated transaction and be exempt from SCA.



    on-session payment

    A payment is described as on-session if it occurs while the customer is actively in your checkout flow and able to authenticate the payment method.

    PaymentIntents payments

    off-session payment

    A payment is described as off-session if it occurs without the direct involvement of the customer, using previously-collected payment information.

    PaymentIntents payments



    Products represent what your business offers — whether that’s a good or a service.



    PaymentMethods represent your customer’s payment instruments, used with the Payment Intents API.



    Plans represent subscription billing options, like price, cadence, and currency.


    Payment Intents API

    The Payment Intents API is a new way to build dynamic payment flows. It tracks the lifecycle of a customer checkout flow and triggers additional authentication steps when required by regulatory mandates, custom Radar fraud rules, or redirect-based payment methods.

    SCA PaymentIntents

    Payment Intent

    ​​Stripe uses a PaymentIntent​ object to represent your intent to collect payment from a customer, tracking the lifecycle of the payment process through each stage.

    SCA PaymentIntents

    PCI Compliance

    Any party involved in processing, transmitting, or storing credit card data must comply with the rules specified in the the Payment Card Industry (PCI) Data Security Standards. PCI compliance is a shared responsibility and applies to both Stripe and your business.

    PCI regulation

    Presentment Currency

    The presentment currency is the currency the customer uses to make a payment.




    Stripe Radar helps detect and block fraud for any type of business using machine learning that trains on data across millions of global companies. It’s built into Stripe and requires no additional setup to get started.




    A Subscription represents Product details associated with a Plan, specific to one of your Customers.


    Setup Intents API

    The Setup Intents API is a new way to build dynamic flows for collecting payment method details for future payments. It tracks the lifecycle of a payment setup flow and triggers additional authentication steps when required by regulatory mandates or by the payment method itself.

    SCA SetupIntents


    Use Stripe.js’ APIs to tokenize customer information, collect sensitive card data, and accept payments with browser payment APIs

    Strong Customer Authentication

    Strong Customer Authentication (SCA) is a regulatory requirement in effect as of September 14, 2019, that impacts many European online payments. It requires customers to use two-factor authentication like 3D Secure to verify their purchase.

    SCA PaymentIntents

    SCA Exemptions

    Some transactions that are deemed low risk, based on the volume of fraud rates associated with the payment provider or bank, may be exempt from Europe’s Strong Customer Authentication requirements.

    SCA regulation


    SKUs (Stock Keeping Units) represent a specific Product variation, taking into account any combination of attributes and cost (for instance, size, color, currency, cost).


    Settlement Currency

    The settlement currency is the currency your bank account uses.




    TLS refers to the process of securely transmitting data between the client—the app or browser that your customer is using—and your server. This was originally performed using the SSL (Secure Sockets Layer) protocol.

    tls security ssl


    upfront onboarding

    Upfront onboarding is an onboarding experience that enables you to gradually collect required verification information from your users. There’s a minimum amount at sign-up and you collect more information as the connected account earns more revenue.

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