Stripe Release Notes

New partnership with Google will allow businesses to sell inside AI Mode and the Gemini app

Stripe launches wallets for agents, powered by Link, and support for new AI-native business models

Major expansion to Stripe Treasury, including instant, free money transfers between businesses on Stripe

SAN FRANCISCO—Stripe today announced 288 new products and features at Stripe Sessions, its annual customer conference, as the company builds the economic infrastructure for AI. That means accelerating AI companies’ growth, helping enterprises adapt to AI, preventing fraudsters from stealing tokens, and empowering agents as economic actors.

“AI is the biggest platform shift for the economy since the internet, and in the not-too-distant future agents will account for most transactions online. The enterprises and startups behind this wave are overwhelmingly building on Stripe. No matter what sector you're in, the AI transformation requires new economic infrastructure, primitives, and abstractions. That's the animating theme behind the 288 products and features we announced today,” said Patrick Collison, CEO and cofounder of Stripe.

The Agentic Commerce Suite now supports Google

Last year, Stripe launched the Agentic Commerce Suite, a single integration that lets businesses sell their products inside AI apps. Kate Spade, Best Buy, and Coach are among the businesses already building with the Agentic Commerce Suite.

Today, Stripe announced a partnership with Google that will allow businesses to sell to consumers inside AI Mode and the Gemini app. Businesses like Quince, Fanatics, and JD Sports are coming soon. This follows similar partnership announcements with OpenAI, Microsoft, and Meta.

Stripe is also bringing the Agentic Commerce Suite to platforms, so businesses on Wix, BigCommerce, WooCommerce, and more can easily sell to customers inside AI apps.

Stripe launches Link wallets for agents

Link is a consumer wallet with over 250 million users globally, and now it’s ready for agents too. Starting today, people can enable their agents to make payments with Link on their behalf. For example, with OpenClaw, your agent could monitor table availability at a popular restaurant and pay a deposit if needed. Your real payment details are never exposed to the agent—a one-time-use card is issued per task, and you approve each payment.

“If AI can solve Nobel level physics problems but can’t buy a domain, something’s gone wrong. Our mantra: empower agents. We’re excited for all the growth opportunities this will unlock for businesses,” said Will Gaybrick, Stripe's president of product and business.

Streaming payments for AI business models

In the last year, with dramatically heavier AI usage, a new problem has emerged for businesses that offer AI products: how to charge for tokens. Agents burn through tokens at machine speed, running up real costs for businesses before payment is collected.

The best approach would be a true pay-as-you-go model: collecting a payment from a customer for each token, as it’s used, in real time. But the amounts are too small and the usage is too fast—existing systems aren’t capable of processing minute sums every few milliseconds. For that, businesses would need both precise tracking (knowing instantly when and where tokens are used) and precise settlement (the ability to collect frequent micropayments).

To solve this, today Stripe introduced streaming payments, an AI-native business model, which combines precise tracking from Metronome with stablecoin micropayments on the Tempo blockchain. For the first time ever, businesses can get paid for every token, exactly at the moment it’s used. As tokens become increasingly fungible with money, streaming payments in real time is an important part of Stripe’s economic infrastructure for AI.

Stripe expands fraud protection to cover token theft

Fraudsters are no longer just stealing money—they're stealing tokens. They create millions of fake accounts to drain sign-up credits, burn inference costs by abusing free trials, and rack up usage bills they never intend to pay. Across AI services running on Stripe, one in six attempted sign-ups is made by a bad actor, and free trial abuse has more than doubled in the past six months.

Today, Stripe expanded Radar to defend against token theft. Radar now evaluates sign-ups and usage in real time, drawing on signals from across the Stripe network. For eight high-growth AI businesses, Radar blocked more than 3.3 million risky sign-ups in the last month alone.

Massive expansion of Stripe Treasury, with instant, free money transfers between US businesses on Stripe

There’s a new breed of business building on Stripe: lean hyperscalers, growing revenue faster than ever and with a global customer base from the start. Their feedback has been consistent: they don’t just want Stripe to handle the money coming into their business, but to serve as their entire financial stack.

Today, Stripe introduced the new Stripe Treasury: a global business account that allows companies to hold funds in 15 currencies and move money around the clock.

Businesses building on Stripe make payments to each other 4.8 million times a day. With Stripe Treasury, those transactions are now free and instant for US businesses.

In addition, businesses can now:

• Operate Treasury through AI services like ChatGPT
• Earn rewards on fiat and stablecoin balances
• Get 2% cashback on card payments
• Pay out to recipients in 100 countries with fiat, 160 with stablecoins

Stripe launches digital asset accounts, a new building block for global fintechs

Fintechs are adopting stablecoins to build global financial applications, but doing so has required crypto expertise across a fragmented set of integrations—fiat onramps and offramps, ways to earn yield, issuing cards, and more.

Today, Stripe and Privy announced digital asset accounts, which make it dramatically easier for any developer to quickly build a fintech application. With a single API, digital asset accounts provide the infrastructure a business needs to build financial products with stablecoins. Companies including Ramp, Deel, and Doordash are already building on top of digital asset accounts to expand globally.

Stripe Projects is now available to everyone, and includes new partners

Stripe Projects lets developers or their agents sign-up for, purchase, and integrate all the services they need to deploy products to the internet, directly from wherever they write (or prompt) code. It’s one of Stripe’s most highly anticipated products, with thousands of developers joining the waitlist in the first two days after the preview announcement last month.

As of today, Stripe Projects is available to all.

Stripe also announced 14 new partners for Stripe Projects, including Render, Twilio, Sentry, WorkOS, Browserbase, GitLab, and ElevenLabs. These partners join existing Projects partners for a total of 32 providers including Vercel, Clerk, Supabase, Hugging Face, and Cloudflare.

“Vibe coding is so 2025. The leading edge is now in vibe deploying, and Stripe Projects lets you do just that,” said John Collison, cofounder and president of Stripe. “It's one place to provision all the tools you need to launch your product.”

288 launches across the Stripe platform

Beyond the headline announcements, Stripe announced 288 products and features today at Stripe Sessions. To see the full list, visit the Stripe blog.

Original source

How Link’s wallet for agents works

In the Sessions keynote, we talked about how agents are becoming active participants in the internet economy, and how we’re building the infrastructure to support them.

Agents have become increasingly capable in recent months, but making purchases across the internet remains difficult. While machine payments protocols are still gaining adoption, agents need to work with the payment options sellers and consumers use today.

Today we’re launching Link’s wallet for agents, built on top of Stripe’s new Issuing for agents. You can now give agents programmatic access to Link and the ability to get a one-time-use card or a Shared Payment Token (SPT), backed by the cards and bank accounts already in your wallet. The agent never gets access to your raw payment credentials.

You can review and approve each spend request from the agent on the web, or in Link’s new iOS and Android apps. This makes it easy for consumers to enable personal AI agents such as OpenClaw to make an authorized purchase on their behalf.

If you’re a developer or business building consumer-facing agents, such as personal assistants, Link’s wallet for agents removes the need to build wallet infrastructure from scratch. Link handles the abstraction across payment options your agent might need—like cards and SPTs (with stablecoins and other payment methods coming soon). It also takes care of fund flow complexity and helps you reach Link’s customer base of more than 200 million consumers.

How Link’s wallet for agents works

Imagine you are building a shopping agent that recommends apparel to your consumers. First, the consumer grants your agent access to their Link wallet via a standard OAuth flow.

Once your agent has access, it can create a spend request to get either a one-time-use card or an SPT to complete the transaction. Your agent provides context on the transaction, so the person can understand and approve the request. In both card and machine-native flows, the payment credential can be scoped with controls like amount, currency, and merchant. Support for agentic tokens, stablecoins, and other payment types are coming soon.

The consumer gets a notification and approves the spend request in Link (on the web, or in the Link iOS or Android app). Today, each request requires the person’s review before the credential is shared with your agent. We’re planning on expanding these controls to let people set spending limits, and choose when agents can act without additional approval.

After approval, Link returns the one-time-use card or SPT to your agent for it to complete the purchase. The person can track agent spending and manage connected agents directly in Link.

Stripe Issuing for agents

Link’s wallet for agents is built directly on top of Stripe’s Issuing primitives. For businesses that want to build and customize their own agentic wallets and cards, Issuing for agents gives developers access to the full set of Issuing APIs to power agentic spending and custom financial workflows for agents and their users.

Businesses can design user-facing experiences to fit their product, including onboarding, fund flows, and spending controls. They can define when and how agents move funds, set permissions at the card level, introduce fraud controls at transaction authorization, and gain visibility into historical and real-time card activity.

Issuing for agents provides the underlying infrastructure for these experiences, from single-use virtual cards and fund storage to spending controls, transaction monitoring, and advanced fraud tools. This infrastructure supports a range of use cases:

• Developers can use agents to automate their own business spend, allowing them to create programmatic workflows and recurring purchases.
• Fintech providers can embed agent-issued cards to control and reconcile spend for expense management in real time.
• Vertical SaaS platforms can issue agent cards to SMB customers, letting agents automate spend under the platform’s own brand.
• Marketplaces can issue cards to sellers, so their agents can automate supplier payments, logistics, and fulfillment purchases.

Get started

Get started today with Link’s wallet for agents, and read our docs to learn more about Issuing for agents.

Original source

This morning at our annual conference, Stripe Sessions, we shared 288 new products and features with more than 9,000 business leaders and builders. We’re making Stripe even more programmable; protecting and propelling your business with the strength of the Stripe network; and building economic infrastructure for AI.

Here’s everything we announced.

Payments

Today, we launched and demoed payments infrastructure for the next era of commerce. We expanded the Agentic Commerce Suite through partnerships with Meta and Google; announced a new way to grant agents the ability to pay with Link’s agent wallet; and unveiled Checkout studio, which helps you build, analyze, and optimize high-converting checkouts in a few clicks. Here’s what’s new:

Agentic commerce

• You can now sell through AI agents by uploading your product catalog and managing agent access directly from the Stripe Dashboard with the Agentic Commerce Suite.
• We previewed the ability for platforms to use the Agentic Commerce Suite, allowing their connected accounts to become agent-ready with discovery, checkout, payments, and fraud detection handled through a single Stripe integration.
• We partnered with Meta to enable native checkout inside ads on Facebook so discovery and purchase happen in one flow.
• Customers will soon be able to buy your products in AI Mode and the Gemini app via the Universal Commerce Protocol (UCP), through a new partnership between Stripe and Google.
• Agents can now programmatically transact with your business via microtransactions, recurring payments, and more with the Machine Payments Protocol (MPP), co-authored by Stripe and Tempo.
• You can now accept payments from agents over MPP in stablecoins as well as fiat through cards, Klarna, and Affirm via Shared Payment Tokens (SPTs), using our PaymentIntents API.

Link

• You can now grant agents the ability to pay with Link’s agent wallet, while maintaining control via spending approvals and full purchase visibility.
• Link now supports additional payment methods. Via Link, US businesses can now accept Pix in Brazil and stablecoins. We also previewed the ability for US businesses to accept UPI via Link in India.
• You can now see Link’s impact on your conversion, authorization rates, and payments costs in a dedicated tab in the Dashboard.

Optimized Checkout Suite

• We previewed Checkout studio, a new way for you to configure, analyze, and optimize your checkout with an AI assistant, live transaction replay, A/B testing, and personalized recommendations.
• We previewed Stripe Checkout’s new embedded form, built for embedded use cases like sidebars, chat boxes, and modals.
• More payment methods, including Pix and UPI, now support subscriptions, localized currency presentment, and cross-border payments.
• You can now accept Sunbit in the US, Bizum in Spain, and Pay by Bank in Finland.
• You can now accept Bizum, BLIK, and Pay by Bank for cross-border payments.
• You can now accept TWINT for recurring transactions.
• You can now automatically detect and display your customer’s preferred currency with a new Adaptive Pricing AI model that analyzes dozens of session signals in real time.
• You can now use Adaptive Pricing to localize subscription prices to your customer’s domestic currency.
• We previewed a new way for your customers to save a card in your app by tapping it on their Android device instead of manually entering the card information.

Stripe Terminal

• We announced the Stripe Reader T600, a new countertop device with an eight-inch screen and the power to run custom apps that support experiences like loyalty and upsells.
• We announced the ability to process in-person payments with Terminal in 15 additional markets, including Hong Kong and Mexico.
• We announced the ability to accept additional payment methods such as Alipay, Klarna, and UnionPay International for in-person payments with Terminal.
• We previewed Terminal’s standalone mode, so you can quickly start accepting payments on Stripe readers with no code or point of sale required.

Stripe Managed Payments

• All digital businesses can now use Managed Payments, Stripe’s merchant of record solution. It helps digital businesses sell globally by handling indirect tax compliance in 80+ countries, as well as fraud prevention, dispute management, and customer support.

Payments Intelligence Suite

• We previewed the ability to A/B test Authorization Boost against your existing payments performance.
• You can now use Authorization Boost’s new AI-powered optimizations, including support for Data Only authentication flows and PINless debit retries, helping increase acceptance rates by an average of 3.8% and lower processing costs by up to 3.3%.
• You can now use Stripe’s 3DS solution on a standalone basis—enabling regulatory compliance, including support for exemptions, and fraud protection to payments processed by another payment service provider.
• You can now use the Stripe Dashboard assistant for payments analytics, which investigates performance issues, diagnoses root causes, and recommends next steps in natural language.

Radar

Millions of global businesses use Stripe Radar to fight fraud, from leading AI companies like OpenAI, Anthropic, ElevenLabs, and Cursor to global enterprises like PepsiCo and Hertz. Today, we announced the biggest-ever upgrades to Radar, helping you to defend against new types of fraud—including token abuse and account fraud—protect more of your payments on and off Stripe, and win more disputes. Here’s what’s new:

• You can now identify high-risk trials without blocking legitimate customers using Radar’s free trial abuse prevention.
• We previewed Radar’s bot abuse prevention, designed to accurately distinguish legitimate AI agents from fraudulent actors.
• You can now use a new payment signal to identify fraudulent payments on and off Stripe with Stripe Signals.
• We previewed additional payment signals to predict disputes and early fraud warnings, and detect pay-as-you-go abuse before invoices go unpaid with Signals.
• We previewed new customer signals to detect multi-account abuse and account sharing abuse with Signals, helping you distinguish real customers from bad actors before they cost you money.
• We previewed new merchant signals to assess fraud risk for new accounts, predict merchant delinquency, and analyze websites for suspicious activity using LLM-powered reviews with Signals.
• We previewed new Stripe Issuing authorization signals that predict the likelihood that a card authorization is fraudulent, extending protection to non-Stripe issuers, banks, and fintechs.
• You can now use Radar’s fraud protection to block high-risk transactions on all supported payment methods, including bank debits; wallets; buy now, pay later (BNPL) options; and stablecoins.
• We announced custom Radar models that are trained on your business signals along with Stripe’s global network intelligence for more accurate fraud detection.
• You can now access upgraded fraud intervention models for Checkout that enable precise, low-friction interventions, such as targeted CAPTCHAs, to reduce fraud while improving conversion.
• You can now receive AI-powered recommendations for additional evidence fields, such as tracking number or customer usage logs, to supplement Smart Disputes evidence.
• You can now store persistent documentation, like terms and conditions, in your evidence library. Smart Disputes can pull from this library automatically, so you don’t have to submit the same materials repeatedly.

Revenue

Agentic activity requires new, real-time infrastructure for metering, rating, alerting, and payments. We upgraded our Revenue suite to support new AI-native business models with dimensional pricing and streaming payments. We also made Stripe more programmable with three new Stripe Billing customizations and expanded access to real-time, ready-to-query data. Here’s what’s new:

Stripe Billing

• You can now power a broader range of usage-based and hybrid pricing models with Metronome, a Stripe product. You can manage commits, multidimensional pricing structures, bespoke contracts, and more, with real-time revenue visibility down to the account, contract, and product level.
• You can now access and manage Metronome contracts, customers, and data directly in the Stripe Dashboard with the Metronome app.
• We announced the ability to support streaming payments by combining Metronome and Tempo, allowing you to get paid the instant value is delivered and cost incurred.
• You can now track credit balances at industry-leading rates, get instant low-balance alerts, and configure automatic credit top-ups.
• We previewed support for three new types of Billing customizations, allowing you to programmatically define how subscription items appear on invoices, how prorations behave, and how balances and credits are applied.
• We previewed payment plans that you can use to accept installment payments with automated collection, giving your customers more flexibility and improving cash flow.
• We previewed subscription invoice revisions, so you can edit finalized subscription invoices and automatically void the original invoice.

Stripe Tax

• You can now automate US tax filing, track status, and view filing details in the Stripe Dashboard, powered by TaxJar.
• We previewed additional Stripe Tax Connectors for Shopify and NetSuite, so you can extend Tax to platforms where you already do business.
• We previewed the ability for Tax to verify tax IDs against government databases during checkout flows, blocking invalid IDs.
• PaymentIntents API users can now calculate and record tax on a payment with a single parameter—no separate API calls required.
• Businesses located in Liechtenstein and Mexico and digital sellers in Sri Lanka can now use Tax. We will also offer full support for businesses in Malaysia and remote sellers in French and Spanish territories soon.

Data

• We previewed the ability to retrieve real-time subscription metrics within AI agents using the Stripe MCP, or within Stripe Console.
• We previewed Stripe Database, giving you real-time Stripe data in a managed, hosted, read-only Postgres database. You can spin up the database with one click from the Dashboard or a single CLI command, allowing you to build and ship applications faster.
• We previewed the next generation of Stripe Data Pipeline, enabling real-time data syncs to Google Sheets with more data destinations coming soon.
• You can now sync all of your Stripe data directly to Databricks with Data Pipeline.
• We previewed the ability for you to programmatically retrieve prebuilt financial reports across accounts in your organization using the Reports API v2.
• We previewed the ability for businesses using Stripe Sigma to execute custom SQL queries programmatically for advanced data modeling and reporting with the Reports API v2.

Money Management

The AI economy is growing at breakneck speed, and more companies have a global footprint from day one. But the tools to manage your money haven’t kept up, with finances typically scattered across half a dozen apps and spreadsheets. We previewed new capabilities to help you store, spend, and manage money—including a Stripe card that rewards you for spending, free transfers to other Stripe Treasury users, and MCP support for Treasury APIs so you can build your own financial agents. Here’s what’s new:

Stripe Atlas

• We announced the ability for Atlas founders to track and receive SAFE funding from investors via ACH, wire transfer, or stablecoin transfer with a Treasury financial account.

Stripe Treasury

• We announced that for US and UK businesses, Treasury will support storage in 15 currencies by the end of the year.
• You can now instantly transfer funds between US businesses on Stripe for free.
• US users can now spend their settled Stripe earnings with a Stripe card powered by Mastercard, with 2% cashback on purchases.
• We announced that Treasury balances in the US will earn Stripe credits that you can apply toward your processing fees.
• You can now see a full view of balances, transactions, cards, and spending directly from your phone with the new mobile experience for Treasury within the Stripe app.
• We announced that Treasury will be available in Australia and Canada by the end of the year. We will also add stablecoin support for an additional 41 markets.
• We announced that Treasury balances will soon be backed by noncustodial wallets from Privy, enabling businesses in more than 150 markets to instantly move money across borders.
• We announced agent-ready financial accounts that enable agents to check balances, pay invoices, store funds, create cards, send money, and manage cash flow—with human-in-the-loop confirmation for key actions.

Stripe Global Payouts

• We previewed expanded Global Payouts coverage, so you can send payouts to recipients in more than 100 countries in fiat and 160 countries in stablecoins.
• We previewed the ability for Global Payouts users to send USD payouts to Link users instantly.

Embedded Finance

Stripe Connect powers more than 16,000 platforms, including Shopify, DoorDash, and Substack, which collectively help 11 million businesses accept payments. Today, we shared new ways to help platforms grow as AI reshapes software, including a new growth studio that uses Stripe data to surface actionable recommendations and the ability to launch new revenue streams through Treasury and Stripe Capital. Here’s what’s new:

Stripe Connect

• We previewed the platform growth studio, which generates recommendations directly in the Dashboard to help you expand your product offerings and grow faster. It includes AI-powered margin optimization recommendations, peer benchmarking, and no-code promotional pricing campaigns for local payment methods and Instant Payouts.
• Network cost passthrough (IC++) is now available to platforms in 45 markets, including the US, Canada, UK, and EU. You can now enable IC+ pricing and prebuilt reports for your connected accounts directly in the Dashboard.
• We previewed new embedded components for your connected accounts to order Terminal hardware, scan checks, view business performance charts, and access balance or payout reconciliation reports.
• We previewed the ability for you to use Stripe Managed Risk via API, allowing platforms and banks to outsource risk management to Stripe while maintaining full control over the user experience.
• Platforms will soon be able to launch full-scale financial services with less operational overhead using Managed Risk for Treasury.
• Platforms can now use Smart Disputes to automatically compile and submit dispute evidence on behalf of their connected accounts.
• Platforms can now mitigate risk across their business with Radar, featuring 0-to-100 fraud scores for every business and transaction, AI-powered insights that explain why accounts are flagged, and a comprehensive view of account activity.
• Your connected accounts can now onboard onto your platform in one click with networked onboarding. We also previewed support for Link wallet users to onboard in one click, even if they don’t already have a Stripe account.
• Marketplaces in the US, UK, European Economic Area (EEA), and Canada can now programmatically pay out funds to sellers’ connected accounts across any of these regions with cross-border payouts.
• We previewed the ability for marketplaces that sell in Europe to continue using multiple payment providers while making unified payouts through Stripe. This will help marketplaces comply with upcoming PSD3 regulations without disrupting their multiprocessor setups.
• We previewed wallets for marketplace sellers to receive earnings, hold funds, and make on-marketplace purchases using their financial account balance.
• We previewed the ability for marketplaces to allow both sellers and customers to spend their financial account balance on the marketplace and other businesses by issuing prepaid debit cards.
• We previewed how we will use stablecoin rails to allow Connect marketplaces to instantly transfer funds to sellers in 100 additional countries.

Stripe Treasury for platforms

• You will soon be able to offer Treasury and spend cards for your users in just a few lines of code with embedded components.
• We previewed several new features available through Treasury for platforms, including bill pay, automated cash rewards, cash acceptance, check acceptance, real-time payments, and accounting integrations.

Stripe Capital for platforms

• You can now offer Capital to your connected accounts in France and Germany, with Australia and Canada coming soon.
• We previewed lines of credit, so your connected accounts can draw funds repeatedly as needed, up to an approved amount.
• We previewed the ability for platforms to underwrite a business with no Stripe payment processing history through Capital, allowing them to receive capital and onboard to Stripe Payments in one unified flow.

Stripe Issuing

• We previewed Issuing for agents, which allows businesses and agentic platforms to programmatically issue single-use virtual cards, so agents can make purchases and manage financial workflows autonomously.
• We previewed the ability to launch a live card program for humans and agents in minutes, with self-serve onboarding, prebuilt program templates, and live funds.
• We previewed consumer debit issuing, so you can offer prepaid rewards cards, disbursements, and branded cards.

Stablecoins and Crypto

Stablecoins and crypto are helping you move money faster and more affordably around the world. We introduced a new primitive from Privy to manage multichain balances with one simple API, expanded Bridge’s Open Issuance so businesses can launch and manage their own stablecoins, and launched stablecoin-backed cards for recipients to spend funds locally or globally. Here’s what’s new:

• You can now accept stablecoin payments in 32 additional markets.
• We previewed the ability for US businesses to use Stripe Crypto Onramp to support headless implementations on web and mobile, custom stablecoins issued through Open Issuance, and a separate KYC mode on transactions up to $500.
• You can now enable consumer or commercial stablecoin-backed cards in 30 countries, enabling recipients to spend their funds locally or globally.
• Via Bridge, you can now onramp and offramp in COP and GBP, in addition to USD, BRL, EUR, and MXN.
• Via Bridge, you can now move and hold USDG and Bridge-issued stablecoins, including CASH, USDSui, and USDCBL.
• Via Bridge, you can move money across additional blockchains, including Tempo, Plasma, Celo, and Sui.
• Your customers can now hold, move, and grow stablecoin balances anywhere in the world with Privy digital asset accounts.
• We announced flexible custody via Privy, allowing you to configure wallets on a wallet-by-wallet basis with both custodial and self-custodial options for global reach.
• Via Privy, you can now provision custodial wallets operated with a licensed custodian of your choice.
• Via Privy, you can now earn on idle balances by connecting them directly to curated DeFi vaults on Morpho.
• Via Privy, you can now provision wallets for agents directly from the command line and track their spending through an agent-managed dashboard.
• Via Privy, you can now use an API integration with Bridge for bank transfer onramp and offramp flows.
• Via Privy, you can now enable AI agents to invest and transact securely with programmable wallets, including trigger-based micropayments and buy, sell, and hold crypto for investment use cases.

Stripe Platform

As agents become a foundational part of how developers build and operate on Stripe, we’re investing in three areas: making Stripe extensible and programmable with primitives like custom objects; giving agents reliable tools for building, integrating, and operating on Stripe; and introducing new agentic surfaces to help you analyze and act on your Stripe data. Here’s what’s new:

• We previewed Stripe Console, an agentic execution environment built directly into the Dashboard. Ask a business question in plain language and Console returns a structured diagnosis drawn from across your Stripe products. Or, give Console a Stripe-related task, and it will carry it out, asking for confirmation before taking consequential actions.
• AI partners and developer platforms can now use the Claimable Sandboxes API to embed Stripe into their platforms. We’ve also added more test data, including product catalogs, that you can push to your live Stripe account.
• We previewed the ability to securely create and pass live API keys to your platform on behalf of your users with automated key exchanges from Stripe’s claimable sandboxes.
• We previewed custom objects, so you can model your business data and logic inside Stripe. You can define, store, and manage custom objects with typed fields, relationships, methods, and the same APIs and operational controls as native Stripe resources.
• Stripe Workflows is now generally available. We also previewed new features, including looping, third-party custom actions, prebuilt actions for Mailchimp and Slack, programmatic invocation, and support for Connect.
• We previewed the ability for app developers to build full-page, multitab experiences inside the Stripe Dashboard.
• You can now provision, manage, and bill for your entire dev stack—including hosting, databases, authentication, observability, analytics, and AI—with Stripe Projects.
• We previewed the ability to set up agent guardrails in Stripe to assign agent identities, enforce scope rules, and configure approval flows for sensitive actions.

What’s coming later this year

Today, we launched our public roadmap: an itemized list with hundreds of detailed entries through Q1 2027, covering products, features, and improvements across Payments, Revenue, Money Management, and beyond. While it’s extensive, it’s noncomprehensive—we’re moving at breakneck speed, so you’ll see us ship even more things that aren’t on the roadmap, too.

[The roadmap includes detailed upcoming features and GA dates across Payments, Stripe Terminal, Stripe Financial Connections, Onramp, Radar, Revenue, Stripe Billing, Metronome, Stripe Tax, Stripe Data Pipeline, Stripe Sigma, Money Management, Stripe Atlas, Stripe Treasury, Global Payouts, Stripe Capital, Stripe Issuing, Embedded Finance, Stripe Connect, Stripe Treasury for platforms, Stripe Capital for platforms, Stripe Issuing, Stablecoins and Crypto, Bridge, Crypto Onramp, Privy, Link, Stripe Platform, Developer tools, Dashboard, Stripe Organizations, Sandboxes, Team and access management, Stripe Workbench, and more.]

Stripe moves quickly, and we pride ourselves on our responsiveness to customer needs as they emerge. It is part of our process to revise our roadmap over time, and changes should be expected. The above is intended to outline our general product direction and our priorities as they stand today. It is intended for informational purposes only, and will not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decisions. The development, release, and timing of any features or functionality described for Stripe’s products remain at the sole discretion of Stripe.

If you have manually counted these entries, or used an agent to do so, you might have noted there are 334 items here, rather than the 288 we mentioned in the introduction. First of all: if you’re this type of person, we’re hiring. And secondly: some items are double-housed, where they apply to multiple product areas, and others are listed repeatedly if they have multiple release phase milestones on the roadmap (e.g., entries for both public preview and GA).

Original source

Breaking changes

Payments enhancements

Updates card property requirements and adds 3D Secure authentication properties to Payment Records

Payments

Adds support for the UPI payment method

Payments

Adds payment method-level support for configuring future usage of crypto payment methods in Checkout Sessions

Payments + 1 more

Elements and Stripe.js enhancements

Changes the Address Element state field to default to Latin-formatted characters

Elements

Updates the elements.update() method to return a Promise

Elements

Removes support for boolean values in options.layout.radios

Elements

Removes deprecated Payment Intents, Setup Intents, and Sources methods from Stripe.js

Payments

Renames Checkout initialization method

Checkout + 1 more

Renames Embedded Checkout initialization method

Checkout

Connect enhancements

Adds risk requirements to the Capabilities API

Connect

Removes the requirement for certain connected accounts to collect external account information in the Account Sessions API

Connect

Checkout enhancements

Updates Checkout Session UI mode enum values

Checkout + 1 more

Adds pending invoice item interval parameter to create Checkout Sessions

Checkout

Adds integration identifier parameter to Checkout Sessions

Checkout

Issuing enhancements

Updates the Issuing Token card reference ID for Visa to be optional

Issuing

Adds support for limiting the number of allowed payments for Issuing cards

Issuing

Radar enhancements

Adds crypto fingerprint support to Radar value list items

Radar + 1 more

Additional updates

Adds retention policy cancellation reason to Subscriptions

Billing

Updates the events_from parameter on event destinations to accept string values

Affects all products

Adds decimal quantity support for Invoice Items and Invoice Line Items

Invoicing

Adds marine carbon removal as a new Climate Orders pathway

Climate

Adds metadata property to credit note line items

Invoicing

Adds Tempo network support for crypto payments

Payments + 1 more

Adds presentment details for Adaptive Pricing Subscriptions

Billing

Original source

SAN FRANCISCO and DUBLIN–Stripe, the programmable financial services company, today announced it is helping bring a new checkout experience to Facebook. It enables buyers to purchase products from businesses like Fanatics and Quince in just one click, whether from a business’ website or within the app after clicking on an ad.

Businesses can opt into selling via ads in Facebook through a toggle in the Stripe Dashboard, and link their Meta ads account. Once enabled, when a buyer sees an ad on Facebook and taps the “Buy now” button, Meta surfaces a native checkout powered by Stripe. The experience uses a buyer’s saved credentials from their Meta wallet. The Agentic Commerce Protocol underpins this new purchasing flow. In the future, businesses will be able to enable a similar purchasing flow across Meta surfaces, including Instagram ads.

“At Fanatics, we’re obsessed with the fan experience, which means meeting fans wherever they are and making it easy to shop across their digital journey. Agentic AI is opening up new ways for us to do that. With Stripe’s Agentic Commerce Suite powering checkout within Meta’s platforms, fans can move from discovery to purchase in just a few taps, unlocking faster, more seamless ways to shop the gear they love,” said Sashanka Vishnuvajhala, SVP of technology at Fanatics.

“At Quince, we’re focused on making it easier for customers to shop with us wherever they are. Stripe’s Agentic Commerce Suite allows us to reach customers across emerging AI-powered platforms through a single integration, while keeping the experience seamless,” said Steve Neola, VP of product at Quince.

“Reducing the steps between discovery and purchase is great for both consumers and businesses. We’re thrilled to partner with Meta to bring a new checkout experience to Facebook, powered by Stripe’s infrastructure for commerce in the AI era,” said Kevin Miller, head of payments at Stripe.

Original source

Earlier this month, we analyzed hundreds of millions of transactions across Stripe to identify first-party fraud trends. One of the biggest findings: free trial abuse is rapidly accelerating. From November 2025 to February 2026, our models detected 6.2x more abusive free trials across Stripe’s network.

Free trial abuse isn’t new, but users are increasingly targeting AI companies and driving much of the increase we’re seeing today. These businesses run on expensive compute resources and rely on free trials to acquire customers, making them a target for abuse.

Bad actors have become as sophisticated at stealing compute as they have money, cycling through trials or signing up with invalid payment methods without ever converting to paid subscriptions. This puts AI companies at risk of losing hundreds of thousands of dollars. AI startups are particularly impacted: those that offer free trials with self-serve signups and direct API access see 10x more attempted abuse than enterprise AI companies.

However, these fraud patterns aren’t limited to just one industry. We’re seeing similar free trial abuse across SaaS platforms, marketplaces, and other businesses that offer free trials.

Helping prevent free trial abuse in one click

Stripe Radar, our AI-powered fraud tool, now helps prevent free trial abuse with just one click. When enabled, Radar predicts the presence of abusive behavior that violates common trial terms, such as repeated trial signup or missed cancellations, with 90% accuracy. We also introduced a new analytics page that shows all high-risk payments that are blocked. For businesses that have not yet enabled the control, the analytics page shows which payments would have been blocked.

Our free trial abuse solution is powered by a new AI model trained on payment instrument (such as cards), device, and payment history across the entire Stripe ecosystem. For example, we can see if a certain card has been used on converted free trials before, and whether that card has led to a successful or failed charge. We have an industry-leading understanding of bank identification number (BIN) ranges, which helps us identify virtual card brands, and we know if email domains are new or temporary. This information helps us detect high-risk patterns including suspicious session timing and card characteristics that correlate with nonpayment.

AI companies such as Cursor are already using Radar to prevent free trial abuse. By identifying fraudulent actors at signup, the Cursor team can block high-risk trials before bad actors drive up their compute costs.

In the first 2 months, across 4 high-growth AI businesses, we blocked more than 550,000 free trials with a high risk of abuse, preventing an estimated $4.4 million in downstream losses from compute costs.

Identifying first-party fraud for all industries

Our free trial abuse solution is available to all businesses, making Radar more effective at identifying and blocking first-party fraud regardless of your industry or business model.

If you are interested in using our free trial abuse control, email us at [email protected] for early access. To hear more about how Radar is adapting to additional fraud types, join us at Stripe Sessions.

Original source

Overview

Subscription businesses are more global than ever, driven in large part by the growth of AI companies. But as they expand into more markets, setting the right price in the right currency is still incredibly complex.

Localizing even a one-time purchase is difficult: because exchange rates move, keeping prices localized requires businesses to absorb foreign exchange (FX) risk, pay conversion fees, and continually manage price lists across currencies, while also taking on the ongoing finance and accounting work of adjusting, reconciling, and reporting on those changes over time.

Subscriptions add another layer of complexity. Localizing a subscription means keeping pricing predictable across every billing cycle, even as exchange rates fluctuate. Consistency is especially important for recurring purchases, where small, unexpected changes can cause a customer to cancel. Renewals are also more likely to fail when the charge is processed cross-border rather than in a local currency. In 2025, 80% of subscription transactions were still priced in the business’s default currency.

To address these challenges, Adaptive Pricing for subscriptions is now available as part of the Optimized Checkout Suite, so businesses can automatically present prices in a customer’s local currency while Stripe handles the currency conversion and the operational work behind it. Adaptive Pricing supports both subscription signups and subsequent renewals and includes a stability buffer that helps keep renewal amounts consistent across billing cycles, despite changes in exchange rates. For example, a customer who signs up at R$49.60/month in Brazil continues to see R$49.60 each month, instead of a different amount every time their bank converts from USD.

If rates move significantly, renewal amounts for that billing cycle may be adjusted to reflect the latest exchange rate—similar to the experience customers have today with their card issuers.

Measuring the impact of Adaptive Pricing on subscriptions

To understand how localized pricing affects subscription performance, we analyzed 1.5 million subscription checkout sessions across businesses in our private preview, comparing sessions that offered Adaptive Pricing with a 1% randomized holdback group. We evaluated both session-level outcomes, which capture the total value generated per checkout session, and subscription-level outcomes, which capture the total value of the subscription over time, including the initial transaction and renewals.

We analyzed the impact of Adaptive Pricing at signup and through the first three months:

At signup

• Conversion rate
• Authorization rate

Over time

• Subscription duration per session
• Subscription lifetime value (LTV) per session

Adaptive Pricing improves subscription signup performance

At signup, offering Adaptive Pricing increased conversion by 4.7% on average and authorization by 1.9% on average across sessions. In practice, that means more customers made it to payment, and more of those payments were approved—together increasing the number of successful subscription signups.

Those gains also carried through to downstream outcomes, including a 5.4% increase in LTV per session on average. Results varied across businesses, with some seeing increases of more than 30%. Runway, for example, saw a 14% increase in LTV per session, and subscriptions using Adaptive Pricing generated 17.7% more LTV per subscription.

People are more likely to complete a purchase when they see prices in a currency they immediately recognize and understand, without needing to mentally convert the total cost. Localized pricing can make subscriptions feel more transparent, since customers are committing to an ongoing charge rather than a one-time payment.

Charging in local currency also improves payment performance. Cross-border transactions are more likely to be declined, so presenting and charging in a customer’s local currency can increase the likelihood that the payment is approved. In the sessions we analyzed, offering Adaptive Pricing increased authorization rates by 1.9%, helping more subscription purchases go through at signup.

Taken together, these results show that Adaptive Pricing helps convert more checkout sessions into paying subscriptions, leading to more subscription LTV per session.

Higher signup conversion can translate into more value over time

In addition to the stronger signup performance, customers who paid in their local currency consistently showed higher retention than those who paid in a business’s default currency. This suggests that localized pricing can support continued renewals, beyond the initial signup.

That has implications for customer lifetime value. When more customers start subscriptions—and more of those subscriptions remain active, as successful renewals add up—the value of each subscriber grows. Even modest improvements in conversion and payment success can increase subscriber value over time.

Scale subscriptions globally with localized pricing

Businesses that don’t localize prices are likely leaving revenue behind. Our analysis shows that Adaptive Pricing helps subscription businesses capture more of that revenue by showing prices in a customer’s local currency, increasing conversion, improving authorization at signup, and driving more value from every checkout session.

It also means businesses don’t need to build and maintain their own FX infrastructure, localized price lists, and renewal logic across currencies. More than 500,000 businesses, including 16,000+ subscription companies like Cursor, Perplexity, and Runway, already use Adaptive Pricing to offer subscription pricing in local currencies to customers worldwide.

To learn more about Adaptive Pricing for subscriptions, read our docs or get in touch.

Original source

Machine Payments Protocol

AI is evolving from question-and-answer chatbots to autonomous agents that can make comprehensive plans, execute actions, and evaluate outcomes. We believe agents will become an integral part of the internet economy, and they need the ability to transact with businesses and one another.

However, the tools of the current financial system were built for humans, so agents struggle to use them. Making a purchase today can require an agent to create an account, navigate a pricing page, choose between subscription tiers, enter payment details, and set up billing—steps that often require human intervention.

To help eliminate these challenges, we’re launching the
Machine Payments Protocol
(MPP), an open standard, internet-native way for agents to pay—co-authored by
Tempo
and Stripe. MPP provides a specification for agents and services to coordinate payments programmatically, enabling microtransactions, recurring payments, and more.

Stripe users can
accept payments over MPP
in a few lines of code using our PaymentIntents API. Businesses can then accept payments directly from agents, in stablecoins as well as fiat with cards and buy now, pay later payment methods via
Shared Payment Tokens
(SPTs).

MPP is already powering new agentic business models on Stripe. Browserbase, a browser infrastructure provider, now lets agents spin up headless browsers and pay per session. PostalForm helps agents pay to print and send physical mail. Prospect Butcher Co. lets agents order sandwiches for human pickup or delivery to anywhere in New York City. And agents can now programmatically contribute to
Stripe Climate
.

“Parallel is built for a world where agents are the primary users of the web. We integrated machine payments with Stripe in just a few lines of code, and now agents can autonomously pay per API call for web access. This allows us to reach any agent developer in the world on the same Stripe stack we already run on,” said Parag Agrawal, founder of Parallel Web Systems.

How MPP works

An agent can request a resource from a service, API, Model Context Protocol (MCP), or any HTTP addressable endpoint, and the service responds with a payment request. The agent authorizes the payment, and the resource is delivered to the agent.

For Stripe businesses, these payments appear in the Stripe API and Dashboard like any other transaction; the funds settle into a business’s existing balance, in their default currency, and on their standard payout schedule. The same Stripe infrastructure businesses rely on for human payments can work for agents, including tax calculation, fraud protection, reporting, accounting integrations, and refunds.

Building for the agent economy

Agents represent an entirely new category of users to build for—and increasingly, sell to. Stripe is building a broad set of agentic financial infrastructure to enable these important new patterns, via our
Agentic Commerce Suite
,
Agentic Commerce Protocol
(ACP),
MCP integrations
, and payment support for both MPP and x402.

To get started with MPP using Stripe, read our
docs
and
sign up for early access
.

Original source

Agentic Commerce Protocol

A future where we buy with AI agents feels inevitable. Making it actually work is another story. The moment agents meet live product catalogs, inventory, fraud systems, and customer support queues, sellers quickly run into a long list of real-world edge cases to solve for.

Over the past six months, we launched the
Agentic Commerce Protocol
(ACP), an open checkout specification that lets buyers, AI agents, and sellers transact through APIs; introduced a complete agentic solution with the
Agentic Commerce Suite
; integrated businesses such as Etsy and URBN; and powered AI shopping experiences across agents. That’s given us an insider’s view into what matters in production, from the unglamorous integration work to the failure modes we’ve seen early adopters grapple with.

These lessons from the first generation of agentic commerce are meant to help sellers decide what to tackle first, avoid common bottlenecks, and be proactive about what’s coming.

Your product catalog is the entry point to agents, but different AI agents want your data in different formats. One needs an SFTP file drop. Another wants a custom API integration. A third has its own feed spec entirely. We’ve seen brands reformat the same product catalog in six different ways to get listed across multiple AI agents. It creates an ongoing maintenance burden that’s a drag on time and resources.

We’ve heard frustration from sellers about having to build (and rebuild) custom integrations for every agent. It’s why we designed the Agentic Commerce Suite: to prevent catalog fragmentation and support the full transaction lifecycle, from discovery to checkout. Upload your product catalog data to Stripe, and we syndicate it across supported agents. No duplicate work or reformatting required.

In practice, getting “ingestion-ready” product data is what determines whether you show up reliably across agent surfaces.

Formatting your catalog is the starting point. Sellers are also increasingly focused on avoiding data lag. When a potential customer is looking at a specific product in an agentic channel, the agent needs to verify it’s in stock right now, not 15 minutes ago. One platform recently asked us if inventory verification happens down to the millisecond, underscoring how close to real time agents must confirm availability before showing customers a checkout option.

This gets even more complicated when you add variants to the mix, which are difficult to format in a way that agents can reliably understand. Take a shirt where the shopper can choose a size, a color, and even add custom embroidery. Or consider a sneaker in 14 different colorways, each with its own size availability. In cases like these, agents will need real-time checks to confirm that a specific item or combination is actually in stock, or to know when to prompt the customer with alternative options.

We worked with partners like OpenAI to stress-test the ACP against market complexity. With your Stripe-hosted ACP endpoint (via the Agentic Commerce Suite), you can share availability with AI agents in the checkout API call. As agentic commerce scales, real-time systems will be key for customer trust and brand reputation.

Since we codeveloped ACP with OpenAI in September 2025, we’ve shipped four releases and added
payment handlers
,
scoped tokens
,
extensions
(starting with
discounts
), built-in buyer auth, and native
MCP transport
. That protocol work is important, but sellers can’t afford to rebuild their stack every time a protocol changes. We built the Agentic Commerce Suite as a protocol-agnostic commerce layer that works across standards, including Google’s UCP, so sellers don’t have to bet their roadmap on any single spec.

The businesses we talk to are wary of building zombie integrations: something they ship for a specific AI agent that becomes obsolete six months later after a strategic pivot. Unless you want to staff a team dedicated to tracking protocol changes, you need a partner that can absorb that volatility. Integrate with Stripe once, and we’ll keep you compatible across agents as protocols evolve.

One key link between agents and existing payment rails is the token layer. To enable agentic transactions, the Agentic Commerce Suite handles and processes
Shared Payment Tokens
(SPTs), a payment primitive built for agentic commerce that allows agents to initiate payments with a buyer’s permission and preferred payment method, without exposing credentials. For many retailers, especially large enterprises, this token layer is where Stripe adds particular value. They need infrastructure that makes agentic transactions possible in the first place: secure, scoped tokens that let agents transact on behalf of buyers.

But agentic transactions aren’t only about the payment. There are multiple steps that have to work correctly in the flow: catalog discovery, checkout state management, shipping, and post-sale details such as returns and refunds. Stripe has a part in all of them.

We’re playing an open source role by bringing a protocol into the world alongside OpenAI. But we’re also building the business layer on top, providing fraud tools, onboarding of businesses, catalog management, and more, so businesses can support agent-driven commerce end to end, not just at the moment of payment.

One of the most common questions we hear from sellers is about whether we’re seeing an uptick in fraud as agentic commerce grows in volume. The answer is reassuring: since launching the Agentic Commerce Suite with major retailers like Coach, Kate Spade, and Ashley Furniture, fraud rates have been near zero.

Traditional fraud detection relies on signals tuned to human traffic: everything from browser fingerprinting and mouse movements to device battery level and window size. Those signals vanish in an agentic world where there’s no human buyer on the frontend. Instead, we leverage the density of the Stripe network. Even if an agentic purchase is “new” to a given business, the end customer and their payment method likely aren’t new to Stripe, which gives an immediate source of history and risk context.

By using SPTs (described above), Stripe Radar can apply the same scrutiny to agentic transactions as it does to direct checkout flows, even when authorization happens off-Stripe. The result is enterprise-grade fraud protection that works without needing weeks of seller-specific data history.

Don’t flip the switch on your entire catalog. One approach we’ve seen work is to start with a focused set of SKUs you believe will convert, so you can measure performance and watch how the channel actually behaves. When starting out, stick to straightforward products that ship directly to the buyer’s home (nothing that requires installation or complex fulfillment coordination) as the frontend user experience develops.

URBN, the parent company of Anthropologie, Free People, and Urban Outfitters, sells everything from plants to custom furniture. When launching agentic commerce, the brand focused on a subset of its most popular products (dresses and denim) that would provide value early.

For sellers, the early phase of agentic commerce means being strategic about which SKUs, payment methods, and fulfillment options you enable first. Think of it as gathering data so you can scale intelligently. The good news is that the scope of what’s possible is expanding quickly. In time, agents will enable new buying experiences beyond single-item, single-business carts. Starting small positions sellers to take advantage of those capabilities as they go live.

Early retail happened in store. First-wave ecommerce happened on your site. Mobile maintains your brand’s look and feel. Agentic commerce shifts buying intent onto AI surfaces. That changes how sellers need to think about discovery, brand control, dispute resolution, and trust.

It also demands a strategic reframe. Agents often sit between the seller and the customer; they’re helping people discover products and decide where to buy. “Showing up” starts to look less like launching a new channel and more like work you already do for SEO and performance marketing: making sure you’re easy to find and choose. Commerce has always been about meeting customers where they are. It’s the “where” (and who controls it) that’s shifting.

Visibility isn’t the only challenge. Once an agent is in the loop, the messy parts of commerce don’t go away, but they pop up in different places. If an agent confirms an order but a legacy backend rejects it after a fraud check, how do you notify the customer? If a customer returns to an AI surface and says, “Cancel my order,” does the agent reliably route that request to the seller? We’re working with sellers and our AI partners to anticipate these issues and build solutions proactively.

The logged-in state is the holy grail for sellers. It allows them to recognize customers across sessions and channels, personalize experiences, and apply benefits such as loyalty and saved preferences. Right now, most agentic commerce still behaves like a guest checkout: the agent acts as proxy, and the customer’s identity isn’t revealed until the moment they hit “buy.” Identity signals exist, but sellers have to do a lot of manual work to capture what’s available and map it into existing customer and order management systems.

As a result, brands we talk to are struggling to honor loyalty benefits, apply targeted discounts, and attribute conversion (or diagnose abandoned carts) with the same fidelity they’re used to. And as agents get better at making timely, relevant recommendations, the decision to buy can happen faster. If checkout then forces extra steps (whether that’s a click-out to a business’s site or additional confirmation and form-fills), sellers risk losing that intent.

It’s one reason we’re continuing to improve Link, a digital wallet built by Stripe. For returning Link customers, shipping and payment details are already saved, so checkout is faster. Link can also give agents a safer way to complete purchases without exposing a shopper’s personal or payment details.

Over time, as the agentic ecosystem matures, we expect to see loyalty programs plug in, more complex fulfillment options supported, and upgrades to post-purchase engagement.

A recurring question we’re hearing from sellers: should you build a first-party agentic experience (like a brand-owned assistant on your site or app), or lean into third-party agentic commerce on external AI agents? In practice, this isn’t an either-or decision so much as a measurement challenge. The two approaches show up in different points in the customer journey.

First-party agents, such as NikeAI, Magic Apron from Home Depot, or Ask Ralph from Ralph Lauren, are primarily about engagement. They deepen relationships with known customers, preserve brand control, and make it easier to maintain customer context like identity and preferences. Third-party agent surfaces are largely about acquisition. They meet customers where they already are and help capture net-new demand. We’ve seen this dynamic emerge early on with Etsy, for example.

There’s an opportunity to design for both. Use first-party agentic experiences to improve retention and lifetime value, and treat third-party surfaces as a new distribution surface that can bring customers to your owned channels over time.

Most of what we’ve covered here is everyday checkout, where a person decides to buy and pays through familiar rails. In parallel, we’re starting to see agents pay other services directly, per request, while they’re completing a task. That’s outside the standard ACP flow. It’s not a checkout session with shipping, loyalty, and a human confirmation step. It’s typically a fast, programmatic payment inside an HTTP call.

Agents also don’t pay like humans. They might make thousands of small decisions a day and need low-latency, HTTP-native payments for pay-per-call or pay-per-task business models. Builders tell us they want to charge agents directly for things like tool usage, data access, or automated workflows, but the existing tooling is mostly built around human checkout.

To help bridge the gap, we previewed
machine payments
using stablecoins on Stripe. With a few lines of code, you can use the PaymentIntents API to charge agents for things such as API usage, MCP calls, or HTTP requests. You specify the amount and currency, then Stripe generates a unique deposit address for that transaction.

From there, you return the deposit address to the agent, so it can pay programmatically. In an x402 flow, for example, the protocol passes the address back to the agent so it knows exactly where to remit payment. You can track status via API, webhooks, or the Stripe Dashboard, and funds settle into your Stripe balance. We’re starting with support for x402 using USDC on Base, with more protocols coming.

We’re already seeing
early

examples
, like charging agents per API call for inventory, pricing, delivery quotes, or pick-up-slot holds, and charging per task for automation such as fitment checks, bundle building, quote generation, or replenishment. This isn’t common in traditional retail yet, and today it’s stablecoin-based, but it points to where agent-native monetization can go as protocols and rails mature.

What’s next

What’s next

Agentic commerce is changing fast. In the near future, agents, humans, and businesses will be able to transact as reliably as today’s checkout, with richer context and better controls. Stripe is building the economic infrastructure for that future.

As agents start buying, selling, and coordinating work on our behalf, we want it to be easy for any business to show up on AI surfaces and get paid reliably. If you already use Stripe for payments, you’re well positioned as agentic commerce expands.

To get there, we’re continuing to improve the
Agentic Commerce Suite
: pushing more real-time updates, expanding SPT
support to more payment methods
, strengthening fraud signals as new vectors emerge, and building the identity resolution logic that helps sellers recognize customers across agentic surfaces. In addition, as agentic commerce becomes more global, we’re investing in broader geographic coverage and support for new verticals.

To learn more about how we’re expanding our agentic commerce solutions,
join us at Stripe Sessions
.

Original source

Last year, we launched Shared Payment Tokens (SPTs), a payment primitive for agentic commerce that lets agents initiate payments with a customer’s permission and preferred payment method, without exposing the underlying credentials. We’ve seen widespread adoption of SPTs by leading businesses such as Etsy and URBN (including Anthropologie, Free People, and Urban Outfitters). Since then, sellers have asked us for access to more of the most popular payment methods for agentic transactions.

To that end, we’re expanding SPT support to enable broader access to network-led agentic payment capabilities, including Mastercard Agent Pay and Visa Intelligent Commerce, as well as buy now, pay later (BNPL) methods such as Affirm and Klarna. This makes Stripe the first and only provider that supports both agentic network tokens and BNPL tokens in agentic commerce through a single primitive. These capabilities are already rolling out: Stripe is using agentic network tokens to process transactions across supported AI agents.

For sellers, the experience is straightforward. You interact only with SPTs, while Stripe handles the complexity of provisioning agentic network and BNPL tokens behind the scenes. Any seller already processing payments with Stripe automatically supports these new payment methods for agentic transactions.

Enable network-led agentic payments with Mastercard and Visa

Built by Mastercard and Visa and deployed in partnership with Stripe, agentic network tokens are network-issued, secure digital credentials that allow authorized AI agents to initiate payments on a customer’s behalf without exposing underlying card details.

“Mastercard Agent Pay represents a fundamental shift in how agent-initiated commerce comes to life, extending the scale and trust of network tokenization into AI-driven payments,” said Pablo Fourez, chief digital officer at Mastercard. “Together with Stripe, we’re helping build and scale the critical infrastructure for the agentic economy.”

“Agentic commerce is accelerating the next phase of digital payments, where security, control, and scale are foundational,” said Rubail Birwadker, senior vice president, head of growth products and partnerships at Visa. “Through our partnership with Stripe, Visa agentic network tokens will power agent-driven payments with the same trust, performance, and protections merchants rely on every day.”

When a customer authorizes an agent to make purchases, Stripe provisions an agentic network token from Mastercard or Visa scoped to the customer’s intent and shares it with the agent. The agent can then use these tokens across any seller accepting agentic payments and anywhere Mastercard or Visa is accepted. The network then handles secure credential translation, verification, and authorization. This allows agents to vault agentic network tokens with Stripe once and use them across multiple sellers in alignment with the customer’s intent.

Agentic network tokens function similarly to card-on-file network tokens: payment networks automatically map the agentic network token to the latest FPAN when sending authorization requests to the issuers. They also add additional information in the authorization message for the issuers to make informed authorization and provisioning decisions, and manage disputes and fraud.

Accept Affirm and Klarna payments

BNPL methods, which allow customers to finance purchases and pay them back in fixed installments, were little-known less than a decade ago. Today, they account for over $300 billion in transactions worldwide. Businesses on Stripe can see up to a 14% increase in revenue on BNPL-eligible sessions, driven by increased conversion and higher average order values.

We’re now bringing this value to agentic transactions by adding SPT support for Affirm and Klarna. This allows agents to present flexible payment options on behalf of customers, helping increase checkout conversion rates. And just like with agentic network tokens, sellers already processing payments with Stripe get access to BNPLs in agentic flows.

Here’s how it works: when a customer selects a BNPL option, Stripe surfaces the BNPL confirmation page on the agent’s UI and passes the seller’s credentials to the BNPL provider. This means the customer experience is unchanged while Stripe manages the complexity behind the scenes.

Looking ahead

Looking ahead, we plan to expand SPT support to more payment methods, making agentic payments accessible to more customers. And to learn more about how we’re expanding our agentic commerce solutions, join us at Stripe Sessions.

Original source

Payments

Businesses in the US, the UK, Europe, Canada, Australia, Singapore, and Switzerland can now offer BLIK, Poland’s largest payment method, used in more than 65% of online domestic transactions.

Data Pipeline

You can now use Data Pipeline to export all of your Stripe data to Databricks.

Revenue Recognition

You can now create Revenue Recognition rules applying accounting treatment to credit notes.

Revenue Recognition

Revenue Recognition users with multiple settlement currencies can set a single functional currency for consolidated reporting.

Payments

Businesses in the UK, Europe, Canada, Australia, Singapore, and Switzerland can now offer Unified Payments Interface (UPI), India’s most popular payment method, used in more than 80% of online domestic transactions.

Revenue Recognition

With long-term deferred revenue support enabled, you can now book all revenue deferred for over 12 months into a new account for long-term deferred revenue.

Payments

Adaptive Pricing is now supported for one-time payments on MB WAY, Alipay, TWINT, and Unified Payments Interface (UPI).

Payments

Businesses in the UK, Europe, Canada, Australia, and Singapore can now offer Pix, Brazil’s most popular payment method, used in more than 40% of online domestic transactions.

Payments

Recurring payments are now supported on Unified Payments Interface (UPI), India’s most popular payment method, used in more than 80% of online domestic transactions.

Payments

Users can now accept payments over Machine Payments Protocol (MPP) in a few lines of code using our Payment Intents API.

Connect

Platforms can now embed account onboarding, payments, and payouts components in their React Native mobile applications (preview).

Invoicing

Invoicing now supports decimal quantities, allowing merchants to bill in fractional quantities for time, usage amounts (e.g., 5.56215 TBs at $10/TB), etc. Available for all invoices, including those with subscriptions and usage-based billing line items.

Managed Payments

Managed Payments now supports businesses located in Australia (preview).

Original source

Payments and payment method enhancements

• Adds display name and service user number to Bacs Direct Debit mandates

Payments

• Adds events for reserve holds, releases, and plans

Payments

• Adds transaction purpose to PaymentIntents for US bank account payments

Payments

• Makes Boleto tax ID nullable in payment method details for Payment Records

Affects all products

Billing enhancements

• Adds Pay by Bank to the Billing API

Billing + 1 more

• Adds payment behavior control for subscription item deletion

Billing

Terminal enhancements

• Adds Terminal reader and location to payment method details

Payments + 1 more

• Adds the ability to manage cellular connectivity settings for Terminal readers

Terminal

• Adds support for uploading Terminal Wi-Fi certificates and private keys

Terminal

• Adds support for the Stripe Reader S710

Terminal

Tax enhancements

• Adds support for tax collection in Sri Lanka for digital services

Tax

• Adds support for Sri Lanka VAT numbers

Additional updates

• Adds settlement type to Application Fee objects

Affects all products

Original source

Stripe 2025 annual letter

SAN FRANCISCO AND DUBLIN—Stripe, the programmable financial services company, has signed agreements with investors to provide liquidity to current and former Stripe employees through a tender offer at a $159B (€135B) valuation. While the majority of funds for the tender offer are being provided by investors including Thrive Capital, Coatue, a16z, and others, Stripe will also use a portion of its own capital to repurchase shares.

Stripe also published its 2025 annual letter to the Stripe community, detailing a strong year for businesses on Stripe and the internet economy overall. Businesses running on Stripe generated $1.9 trillion in total volume, up 34% from 2024, and equivalent to roughly 1.6% of global GDP. Beyond payments, Stripe’s Revenue suite (comprising Stripe Billing, Invoicing, Tax, and more) is on track to hit an annual run rate of $1 billion this year.

In the letter, cofounders Patrick and John Collison wrote:
"Our programmable financial services now power more than 5 million businesses directly or via platforms, including all of the top AI companies, many of the largest blue-chip companies (90% of the Dow Jones Industrial Average), most of the biggest tech companies (80% of the Nasdaq 100), and a significant fraction of freshly minted startups (25% of all Delaware corporations are now created with Stripe Atlas) [...] Stripe remained robustly profitable, allowing us to continue investing heavily in product development (with more than 350 product updates last year) as well as acquisitions. […] All in all, 2025 was a strong year for the internet economy, and we’re delighted to see so many of Stripe’s customers do so well.”

Kareem Zaki, partner at Thrive Capital, said: "After a decade of partnership and seeing their work up close, we believe Stripe has built the premiere financial infrastructure stack for the internet economy, relied on by the fastest growing companies for payments, billing, fraud prevention, tax, and more. While their core business has never been stronger, we believe their most transformative chapters are being written right now. We believe Stripe's lead will only expand across the future of money movement due to their leadership in agentic commerce, stablecoins, and more."

New businesses on Stripe are scaling at record speed

The 2025 cohort of new businesses on Stripe is the highest performing in the company’s history. More new companies joined Stripe in 2025 than ever before, with more than half (57%) based outside the US. Businesses in the 2025 cohort grew around 50% faster than the 2024 cohort. The number of companies reaching $10 million ARR within 3 months of launch was double the 2024 count. Companies incorporated via Stripe Atlas are also monetizing sooner: in 2025, 20% of Atlas startups charged their first customer within 30 days, up from 8% in 2020.

Businesses on Stripe are increasingly global by default

Over the last few years, the country-by-country expansion model has melted away. The “domestic market” for a new generation of internet businesses is the internet itself. Nearly every recognizable AI product launched globally by default, including ChatGPT, Claude, Replit, Lovable, Base44, Vercel, Cursor, Midjourney, and many more. Among Stripe businesses with mostly international revenue, 30% of that revenue comes from countries that are neither their home market nor one of the top 10 global economies.

“This isn’t merely about incremental revenue from a ‘long tail’ of international users. In many cases, the ‘long tail’ is much of the dog,” the Collisons wrote.

Building the economic infrastructure for AI

Agentic commerce has moved into a phase of building and real-world experimentation. As with the early internet, the future success of agentic commerce is contingent on universal interoperability.

To that end, Stripe has been working with a broad set of partners across AI labs, retailers, and leading ecommerce platforms to lay the groundwork for this generational shift:

• With OpenAI, Stripe developed the Agentic Commerce Protocol (ACP) to establish a shared technical language between AI platforms and businesses, open by design.
• Stripe launched an Agentic Commerce Suite, which provides tooling for businesses to sell across multiple AI interfaces and protocols with a single integration. Brands already onboarding include Anthropologie, Urban Outfitters, Etsy, Coach, and Kate Spade.
• Stripe introduced Shared Payment Tokens, a new payment primitive that lets agents initiate payments without exposing credentials, usable even by businesses that don’t process payments with Stripe.
• Stripe launched machine payments, a way for developers to charge agents directly for API calls, MCP usage, and HTTP requests using stablecoin micropayments.
• Stripe partnered with OpenAI to power the first shopping experiences inside ChatGPT. Stripe is also collaborating with Microsoft to bring similar capabilities to Copilot.

Philippe Laffont, Founder and Portfolio Manager of Coatue Management, commented: "In the AI era, Stripe is emerging as the default financial layer for companies at the frontier of the 'token economy' in its work with the world's top startups and enterprises. As intelligent agents begin to participate in commerce, companies are turning to Stripe to handle payments and money movement at global scale."

Stablecoin adoption is spiking

In 2025, the price of Bitcoin dropped precipitously, but stablecoin payments volume doubled to around $400 billion, 60% of which is estimated to represent B2B payments. Bridge, the stablecoin orchestration platform Stripe acquired last year, saw volume more than quadruple.

In July, Stripe acquired Privy, which powers more than 110 million programmable wallets. In September, Stripe unveiled Tempo, a blockchain purpose-built for payments, incubated together with Paradigm. With Tempo, businesses get dedicated payment lanes, sub-second finality, opt-in privacy, and interoperability with compliance and accounting systems—important features for supporting real world economic activity.

Alex Immerman, General Partner at a16z, said: "Stripe has consistently aligned itself with the most important technology shifts—first ecommerce and software-as-a-service, and now agents and stablecoins—and has set a relentless pace of innovation for fifteen years and counting. As Stripe continues building the financial infrastructure of the internet economy, the company has become a default platform for the next generation of ambitious builders and enduring companies. We are thrilled to have been their partners since 2010 and even more excited to deepen our partnership today."

For more information, Stripe’s full 2025 annual letter is available online.

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