挑战

近年来，消费者习惯发生巨变，各类规模的企业都需要加码电商运营。Woo 希望通过自己集成的支付解决方案助力商家快速适应。虽然在核心支付处理功能方面已与 Stripe 建立长期合作，但 Woo 意识到可进一步借助 Stripe 的优势，为 WooCommerce 商家接受线下付款、提供本地支付方式、创建经常性付款、促进订阅、快速存入结算资金和获取商业融资等提供支持。

Woo 的支付业务运营副总裁 Britni McCotter 说：“电商繁荣意味着企业不仅需要支付，而且他们需要快速的帮助。我们把这看作是一个机会，可以为商家提供卓越的体验，让他们按自己的意愿发展业务。”

解决方案

公司着手扩展平台产品，以满足 WooCommerce 商家快速变化的需求。为此，公司决定推出一个全新的平台——WooPayments，整合了多个不同的 Stripe 产品——包括 Connect、Global Payouts、Terminal 和 Billing。WooPayments 允许商户实现从非接触支付、实时获取资金到获取商业融资以维持运营。

Woo 与 Stripe 合作，向客户和潜在客户传达这些新功能，并利用 Stripe 的联合营销资源快速、清晰地传递消息。

McCotter 说：“与 Stripe 合作多年，我们知道这个平台为我们提供了一个建立世界级体验的简单方式，并将帮助我们与我们的商家建立更牢固的关系。WooPayments 是我们的整体解决方案，它使用的是 Stripe 的基础设施，为商家提供从支付到争议解决的一站式服务。”

成果

仅用三个月，团队不足 20 人，公司便与 Stripe 合作，在 17 个国家/地区——从加拿大到新西兰，再到整个欧洲——推出了 WooPayments。

新支付解决方案快速上市

利用广泛的 Stripe 产品，Woo 迅速构建并推出了一个集成支付解决方案，为企业在全球疫情期间及未来取得成功提供了所需的工具。这一扩展的金融平台帮助 Woo 捕获更大的钱包份额，提升客户留存率，并使 WooCommerce 商家能够适应不断变化的客户期望和习惯。

McCotter 说道：“Stripe 使我们能够快速将 WooPayments 推向市场。三个月内，我们又在 17 个国家/地区上线。我们能如此迅速地为众多市场的商家提供支持，这一点意义重大。作为一个开源平台，与商家建立直接联系往往很困难，但 WooPayments 为我们提供了发展这些关系的方式。”

捆绑 Stripe 产品，打造持续增长平台

Woo 与 Stripe 合作，不仅仅是为了支付。它希望建立一个金融平台，无论未来如何，都能为企业服务。Stripe 广泛且互补的产品套件提供的选项，使公司能够增加更多价值并将功能捆绑在一起，为 WooCommerce 商家提供新的电商机会。

Woo Payments 主管 Brent Shepherd 解释说：“我们最初仅仅使用了 Stripe 平台的支付、计费和订阅功能。但我们迅速增加了用于线下付款的 Stripe Terminal，并计划提供一整套金融科技服务，帮助我们的商家发展他们的业务，包括获取资本等等——不仅在美国，而且在欧洲和其他 WooCommerce 蓬勃发展的地区。我们选择 Stripe，是因为他们在支付和金融服务方面的广泛选择使我们能够做到这一点，而且既快速又不需妥协。”

与 Stripe 合作，实现快速高效营销

Woo 利用 Stripe 的营销工具包中的各类素材，在其自有、口碑和付费渠道上开展宣传活动，突出商家收款、管理经常性收入和直接从 WooCommerce 管理平台追踪现金流的能力。

Woo 的产品与运营副总裁 Clara Lee 说：“对于任何与 Woo 和 Stripe 相关的事情，我们的营销策略就是‘所有渠道通行’。Stripe 帮助我们定位不同功能，了解哪些渠道更具优势，看到市场的反应令人振奋。”

Today, WooPayments serves merchants in nearly 40 countries across North America, Asia Pacific, and EMEA. Merchants can use WooPayments to manage transactions, payouts, refunds, disputes, and reporting from within the Woo dashboard. By bringing these capabilities into a single, comprehensive dashboard, WooPayments helps merchants spend less time bouncing between multiple tools and more time focused on their customers, products, and growth.

Stripe technology enables every aspect of WooPayments. Woo uses Stripe Connect to quickly onboard merchants, manage compliance and identity verification, and support payouts. With Instant Payouts, merchants can receive their funds in minutes instead of days to improve their cash flow. Woo also used Stripe Billing to support merchants with recurring revenue models, such as subscriptions, memberships, and installment-based services, while using Stripe Capital for platforms to give eligible merchants access to financing offers directly through WooPayments.

Through Stripe Payments, Woo gives merchants access to Stripe’s Payments Intelligence Suite, an AI-powered set of tools for payment optimization, fraud prevention, and business intelligence. WooPayments also includes Stripe Radar, which helps detect and block fraud in real time, while built-in Adaptive 3D Secure supports regulatory compliance and minimizes unnecessary friction.

More ways to pay

WooCommerce’s open-source model resonates particularly strongly outside North America, where merchants value data ownership and platform flexibility. Today, roughly 60% of WooPayments volume comes from EMEA.

In addition to accepting credit cards and digital wallets like Apple Pay and Google Pay, merchants can use WooPayments to accept local payment methods across key markets worldwide, including iDEAL, Alipay, WeChat Pay, Bancontact, EPS, GrabPay, Multibanco, and Przelewy24. Merchants can also enable buy now, pay later options, such as Klarna, Affirm, and Afterpay/Clearpay, allowing them to get paid up front while giving customers more flexibility at checkout.

To reduce payment costs, Woo rolled out Instant Bank Payments, Stripe’s next-gen ACH solution available exclusively through Link. Less expensive than card payments, US customers can pay directly from their bank accounts in just a few clicks. Payments are confirmed instantly and funds settle in two business days, just like card payments, while Stripe guarantees the risk of bank-initiated returns.

WooPayments also includes WooPay, an express checkout experience built on Link by Stripe. Returning customers can skip re-entering their details and complete purchases in just a few taps—across any WooPayments-enabled store. For merchants, WooPay reduces checkout friction without requiring any additional setup.

From online stores to in-person commerce

Whether selling at a market stall, checkout counter, salon chair, or customer job site, merchants can use the same Woo ecosystem to accept payments wherever business happens. Woo made it possible for customers to manage online and offline sales in the same place by integrating Stripe Terminal, a set of tools for accepting in-person payments, into WooPayments.

In addition to providing access to precertified card readers, Woo enabled Tap to Pay via the Stripe Terminal SDK so merchants can accept in-person payments with only a compatible iPhone or Android device—no card reader required. With Tap to Pay built directly into the Woo app, merchants can download the app, launch a store, and start accepting in-person payments in as little as two minutes.

“For these new users, it’s all about accessibility,” said Doug Aitken, lead of payment operations at Automattic, the company behind WordPress and Woo. “Starting a business can feel daunting, but Woo—together with Tap to Pay and the Stripe Terminal SDK—makes it easy to start up and sell stuff. Do you have an iPhone? Great. Download the Woo app, make an account, and now you’re a merchant.”

Preparing for agentic commerce

Agents are already searching for products, comparing options, and completing purchases on behalf of customers. As AI tools begin to reshape how people discover and buy products, Woo and Stripe are collaborating on the infrastructure that will enable Woo merchants to sell via agents.

“For us as a platform, we see it as our responsibility to enable our merchants to be where their customers are. They’re looking to us to provide solutions so they can get access to this new distribution and sales channel,” said Beau Lebens, CEO and artistic director at WooCommerce. “As their platform provider, we’re in the position to say, ‘Here are all of the emerging protocols, here are the systems that you need to be a part of.’ And we can set that up in a way that they can just hit a button and turn it on.”
<br>As a launch partner for the Agentic Commerce Suite, WooCommerce is helping merchants make their products discoverable to agents through a single integration. Businesses can connect their product catalogs to Stripe once, and then sell across multiple agents. Stripe handles discovery, checkout, payments, and fraud protection.

With a uniquely broad merchant ecosystem that ranges from independent makers and specialty retailers to global brands, Woo is especially well positioned for this next wave of commerce. Agentic commerce creates the potential to reach the right customer faster and more efficiently.

“The great thing about Woo is we’re not just for big-box merchants that sell all the same things as everyone else. We have a depth of unique merchants that sell interesting items who are especially well-positioned for more personalized AI-powered discovery. Instead of relying only on traditional search engines or paid advertising, agentic commerce will help merchants get matched directly to customers based on intent, preferences, and context,” said Modi.

As Woo helps merchants prepare for the next generation of commerce, Stripe will remain a key partner in bringing new opportunities to the Woo ecosystem.