Onboard and verify users

Sign up more customers with conversion-optimized verification flows and requirements that are customized to each account’s country, business type, and capabilities. Stripe manages KYC, AML, and sanctions screening for you.

Onboarding and verification

Stripe provides prebuilt, conversion-optimized UIs and optimized compliance plans to help you onboard users.

For software platforms

Standard accounts are best for software platforms that want to help their users directly accept payments. Stripe will onboard and verify your accounts in a flow that’s customized with your logo.

For marketplaces

Express accounts are best for marketplaces that want to pay out sellers and service providers. They provide more flexibility on payout timing and pricing. Stripe will onboard and verify your accounts in a co-branded flow that’s customized with your brand and colors.

Custom-built

Custom accounts give you the most flexibility but require significant engineering resources to integrate. You can build your own flows or optionally save development time and ongoing maintenance by using Stripe’s co-branded onboarding flows, customized with your brand and colors.

Verification and screening

Stripe’s account verification process helps platforms and marketplaces onboard connected accounts with minimal fiction. Stripe cross-checks the millions of accounts already using Stripe and uses observed data sources and machine learning to approve more users. With Connect, you’ll get dynamic, risk-based KYC and sanctions checks, plus ongoing real-time screening as sanctions and high-risk files are updated.
  • Optimized global compliance requirements
  • ID verification
  • Know Your Customer (KYC) checks
  • Anti-Money Laundering (AML) checks
  • OFAC and sanctions screening
  • MATCH list checks

Compliance and security

Stripe helps you manage the complexities of global compliance.

Global regulations and compliance

Stay current with global regulations, card network rules, and the highest industry security standards.
  • PCI DSS Level 1 certification
  • PSD2 Strong Customer Authentication (SCA) compliant

Global licensing

Use Stripe’s money licenses around the world instead of getting licenses yourself in every region.
  • Money Transmitter Licenses (MTL) in the US
  • E-Money (EMI) License in Europe
  • Registered MSB in Canada
  • AFSL in Australia

Fraud management

Reduce exposure to fraudulent users with Stripe’s machine learning technology for fraud prevention.
  • Vast network of recipient information
  • Advanced models
  • Fraudulent account tracking and real-time disablement

Accept payments

Scale your platform or marketplace globally without needing to set up local bank accounts and entities. With Connect, you can let your users accept 135+ currencies and dozens of popular payment methods all over the world.

Global payments

One global integration to offer the payment methods your customers want.

Global scale

Scale your business internationally without worrying about licensing and compliance or establishing local entities and bank accounts. Launch in new countries with no additional development work.
  • Accept payments from 180+ countries
  • 130+ presentment currencies
  • 15+ settlement currencies
  • Onboard connected accounts in 35+ countries
  • Instant country launch

Online and mobile payments

Enable your users to accept major debit and credit cards, wallet payments, and local payment methods, with unified reporting and payouts across all payment types.

Point-of-sale payments

Let your users unify online and in-person payments with Stripe’s point-of-sale solution.

Subscriptions and invoicing

Build and scale your user’s recurring business model, plus automate every part of recurring relationships.

Payment optimization

Boost conversion and modernize your payment stack.

Revenue optimization

Take advantage of Stripe’s direct connections to the major card networks to improve acceptance rates and revenue.

Fraud protection

Keep your platform or marketplace safe by detecting and blocking fraud.

Pay out users

Move money between your users and your platform or marketplace quickly, even across borders. Connect makes it easy to split and route payments to multiple parties, pay out your users, and drive revenue.

Platform fees

Turn payments into a revenue stream for your platform or marketplace.

Fees and monetization

Drive revenue from the payment services you provide to your users. Simply specify your platform or marketplace’s earnings for each transaction, and Connect will handle netting out earnings, including managing refunds and chargebacks.
  • Mark up payment transactions
  • Mark up other services like Instant Payouts, Issuing, or Terminal
  • Charge additional service fees to enable payments

Global payment routing and payouts

Connect can support any business model.

Routing flexibility and control

Customize payment routing and control where charges settle to best reflect your business model. You can split payments, move funds, and pay out or debit your users any way you like.

Payout timing control

Specify how frequently you want your users to get paid, and Connect will aggregate earnings and settle funds. You can even have fine-grained control over when your users receive funds (e.g., after services or goods are delivered).
  • Daily
  • Weekly
  • Monthly
  • Manual

Instant payouts

Allow your users to receive earnings in their bank account within minutes after the charge. Users can request Instant Payouts 24x7, including weekends and holidays.

Payouts

Pay out around the world in local currencies without additional engineering effort or local banking relationships. Funds for payouts can come from Stripe transactions or from account top-ups.

Issue cards

Create, distribute, and manage physical and virtual spending cards for your users. Set custom authorization rules like allowed merchant categories and spending limits to control expenses and prevent fraud.

Manage your platform or marketplace

Manage payment operations with fewer resources. Stripe provides robust tools and reporting for you and your users.

Tools for your platform or marketplace

One place to manage users, payments, and your business.

Easy integration

Get payments up and running in days–not months–with Stripe’s global API, code samples, and demos.

Manage users

Use the Stripe Dashboard to create accounts, manage verification status, update account information, and manage an account’s capabilities.

Manage payouts

Use the Stripe Dashboard to send funds, issue refunds, and handle chargebacks.

Reports and analytics

Use Stripe’s built-in reports or feed Stripe data into other tools using the API. Businesses on cost-plus pricing can also access transaction-level reporting on interchange costs and more.

Custom reports and insights

Build custom payments or user reports directly from the Stripe Dashboard and schedule reports to be automatically sent to your team.

Roles and permissions

Use granular roles to set the right data access controls for your team members.
  • Administrator
  • Developer
  • Analyst
  • Support Specialist
  • View Only

24x7 support and Premium Support

Get 24x7 support from Stripe’s specialists.
  • Phone
  • Chat
  • Email

Partner program

Become a partner to be discovered by Stripe businesses, get best practices, and accelerate your go-to-market.
  • Listing in the partner gallery and Stripe onboarding flow
  • Technical best practices
  • Marketing resources

Integrations and extensions

Access prebuilt tools and extensions to help your platform or marketplace with things like accounting, automation, and more.

Tools for your users

An all-in-one payments solution for your users.

Unified financial services

Your users can go live faster and simplify reconciliation and reporting with Stripe’s unified platform for online and in-person payments, recurring billing, business financing, and more.

Reporting and analytics (Standard accounts)

Standard accounts can take advantage of all the capabilities offered by the full Stripe Dashboard, including powerful reporting, querying, and payments management.

Reporting and analytics (Express accounts)

Express accounts can access a simple dashboard to track their payouts and modify their bank account and personal information.

Reporting and analytics (Custom accounts)

When using Custom accounts, you can build a custom dashboard for your users or build Stripe data into your existing dashboard using the Stripe API.

Drive more revenue with Connect

Platforms and marketplaces using Connect can grow revenue and expand faster while minimizing manual processes and compliance risks.

364%

ROI after switching to Stripe

10%

more revenue from new sellers

67%

reduction in expansion costs

Know what you’ll pay

Usage-based and flexible based on the capabilities you need.