RVshare: Stripe との提携により、決済の高い信頼性を維持しながら、予約件数の 3 倍増を達成

RVshare は P2P (ピアツーピア) 型の RV 車のレンタルマーケットプレイスを運営し、キャンピングカーからモーターホームまで 10 万台以上のレンタカーを全米で提供しています。Stripe に切り替えたことで、不正使用の最小化、支払い成功率の向上、本人確認の合理化、入金のタイミングの高速化を実現し、ビジネスを拡大することができました。

使用製品

    Payments
    Connect
    Radar
    Sigma
北米
スタートアップ

Challenge

RVshare pairs RV owners and renters so more people can experience the freedom of RV travel. RVshare previously partnered with a small payments provider but realized it was lacking in crucial services, including PCI compliance and fast payouts processing. As demand for RVs surged in 2020, fraud mitigation became more critical as the company verified new RV renters and owners. “Our previous payments platform had limited operations and support,” says Melissa Fortenberry, VP of Product, at RVshare. “RVshare was growing quickly, and we needed a payment provider not only with superior payments functionality, but also a partner that understood our needs and nuances as a marketplace business.”

Solution

After analyzing leading global payment platforms, RVshare chose Stripe. It uses Stripe Connect to easily manage RV owner payouts, as well as Radar for fraud prevention. RVshare’s transition to Stripe took less than 3 months because Stripe’s platform was the best suited to handle marketplace complexities, such as security deposits, reservation changes and cancellations, and fees for damages or overages. “The Stripe team was incredibly knowledgeable. The entire onboarding process made us so happy we chose Stripe because we really felt like the team cared about us,” Fortenberry says.

Results

In summer 2020, RVshare bookings tripled. Because RVshare had a reliable payments platform, it was able to deliver a best-in-class experience for both renters and owners. “We grew extremely fast, and our previous manual efforts would have never been able to scale. We wouldn’t have sustained that acceleration without Stripe,” says Melissa Fortenberry, VP of Product at RVshare.

With Stripe’s support, RVshare experienced numerous benefits that include:

2.55% increase in conversion with payment optimizations

Stripe’s payment optimization features help to maximize acceptance rates. If a payment is declined, for example, Adaptive Acceptance retries the charge in real time by using machine learning to identify the best routing and messaging combinations. Additionally, Stripe's Card Account Updater intelligently updates the credentials of saved cards that have expired or been replaced.

Significant reduction in manual fraud mitigation and assurance of PCI and KYC compliance

RVshare relies on Stripe Radar to detect and block fraud, using machine learning-based fraud protection refined from data across millions of companies. Before Stripe, the RVshare Finance team had to manually dig through the data to flag risky charges.

With this built-in support for identity verification and security standards, Stripe also alleviates the burden of meeting KYC and PCI requirements. “We previously had to do KYC checks in house, which would require our finance team to review an owner’s account before we paid them out,” Fortenberry explains. “This created an internal backlog and delayed owner payouts. Now Stripe automates all of that and takes the work off of our shoulders so we can pay our owners faster.”

Our success is defined by our ability to flawlessly onboard and bring together owners and renters. We’re still small and nimble, so we rely on partners like Stripe to help us move fast while delivering an amazing user experience.

Melissa Fortenberry、VP of Product

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