Stripe Release Notes

Many of the world’s leading fintechs use Stripe to build and scale, including 32 of the Forbes Fintech 50 (and counting). As these businesses expand into new markets, they need to deliver the same fast, reliable experience everywhere while supporting local payment methods, navigating local compliance requirements, and integrating new banking partners.

We’re introducing three updates to help fintechs launch products and grow internationally more easily: simpler payout management with Stripe Global Payouts, support for stablecoin cards in more countries, and unified APIs for building global financial products.

Here’s what’s new.

Send payouts to recipients in more than 160 markets

We’ve expanded Global Payouts to more markets and made it easier to set up and manage. Businesses can now send instant stablecoin payouts to recipients in 160 markets and traditional currency payouts to recipients in more than 100, directly from the Stripe Dashboard.

Fintechs can also use Global Payouts programmatically—by embedding hosted forms or integrating with flexible APIs—to enable use cases like loan disbursements, remittances, investment withdrawals, and neobank cash-outs within their products. Turo, for example, uses Global Payouts to send claims payments. The company has processed over $160 million, with a 99.5% payout success rate.

Issue stablecoin cards in more countries

Stripe is launching stablecoin card issuing in 27 EU countries, bringing availability to more than 65 countries worldwide. We plan to expand to 100 countries by the end of 2026. With stablecoin cards on Stripe Issuing, fintechs can offer cards that draw from stablecoin balances held in a custodial wallet, noncustodial wallet, or Stripe financial account. When cardholders make a purchase, Stripe automatically converts their stablecoins into the local currency at the point of sale; merchants can accept these payments just like a traditional card payment.

Fintechs can use Issuing to launch a global stablecoin card program that works across markets with one integration, rather than connecting separate providers for card issuing, currency conversion, KYC and KYB verification, fraud management, and customer support.

Stripe Issuing already powers more than 400 million cards worldwide across commercial and consumer card programs. Stablecoin cards extend that infrastructure to fintechs and platforms building with stablecoins, enabling them to scale globally and reach a larger customer base.

Add financial capabilities with a unified stack

Stripe Treasury is the building block that connects business earnings with the tools to manage and move money.

Stripe Treasury allows businesses to settle Stripe earnings, hold funds, convert currencies, spend with cards, and send outbound payments. Fintechs can also bring these same capabilities to their customers by embedding Treasury’s financial tools and services into their platforms.

Stripe Treasury, Global Payouts, and Issuing are all part of Stripe’s unified stack for fintechs, meaning they easily integrate with one another and KYC information can be shared, reducing compliance work and additional user verification steps. They are also compatible with Open Standard’s OUSD stablecoin and Tempo’s blockchain, helping businesses access the benefits of stablecoins while still being interoperable with fiat infrastructure.

Grow your business on Stripe

Over 1,500 fintechs on Stripe serve customers in more than 200 countries and territories. With Stripe’s unified stack, they don’t need to integrate and manage multiple vendors. Instead, they can use a single integration to build global financial products that support money movement, storage, and payment use cases while they continue to expand across markets.

Contact the team to get started.

Many businesses on Stripe use Stripe data to power their applications. A subscription business relies on current plan data to update a customer’s account or grant access to paid features; an ecommerce company uses payment confirmation data to fulfill an order.

As agents take on more tasks and businesses build more customer-facing workflows around Stripe data, applications need data they can act on immediately. Businesses on Stripe have asked us for an easier way to keep their application databases current. Developers have typically done this themselves by repeatedly calling Stripe APIs or building webhook infrastructure that copies changes into their databases. They then have to monitor the integration, handle failed or out-of-order events, and regularly check that all their stored data still matches Stripe.

To keep databases current without requiring developers to build and maintain custom integrations, we’re launching real-time sync to Postgres through Stripe Data Pipeline. You can sync payment, customer, subscription, and other Stripe data to a Postgres database that powers your applications. Stripe handles the sync end to end.

Sync Stripe data directly to Postgres

Data Pipeline already lets businesses send Stripe data to a data warehouse or cloud storage for analytics and reporting. Anthropic uses it to accelerate month-end reconciliation, Cursor uses it to report on revenue and churn, and Lime uses it to automate financial reporting.

The new real-time sync sends Stripe data directly to Postgres databases, including those hosted by Supabase, AWS, Neon, Databricks Lakebase, and other providers. To set up a sync, connect your Postgres database and select the Stripe tables you need. Data Pipeline backfills those tables and keeps them synchronized as the source data changes in Stripe. No code is required.

“The value that real-time sync to Postgres creates replaces all of the other work we had to do to get our data,” said Josh Siegel, CPO and CTO at Company Sage. “It’s much easier for us to reduce our old API and webhook infrastructure and just use Stripe Data Pipeline instead.”

Keep data current automatically

Once you set up the sync, Data Pipeline copies existing data from the selected Stripe tables into your connected Postgres database. As data changes in Stripe, Data Pipeline delivers updates to Postgres in seconds.

Data Pipeline regularly audits the synchronized records against the source data in Stripe and resolves discrepancies. The result is a reliable, real-time copy of Stripe data in Postgres, and one fewer system for developers to build, monitor, and debug.

Get started

Postgres is the first Data Pipeline destination to support real-time syncing of Stripe data. Support for Snowflake, Google BigQuery, Amazon Redshift, Databricks, and cloud storage platforms is coming soon.

Real-time sync to Postgres is available in public preview and free to get started. Create a pipeline in the Stripe Dashboard, or read our docs to learn more.

Breaking changes

Payments

• Removes the payment method types parameter from Checkout Sessions
• Adds support for Data Share Only for 3D Secure authentication
• Makes Payment Evaluation signal scores nullable
• Removes PayTo-specific fields from Payment Methods
• Enforces collection of billing address parameters for non-EEA SEPA Direct Debit payments
• Removes the payment method types parameter from Payment Intents and Setup Intents
• Returns specific decline codes for BLIK payment failures
• Deprecates the payment request button
• Shows pending-authorization UI for MB WAY, Bizum, and BLIK with stripe.handleNextAction
• Removes support for the payment method types option in Elements
• Saves Bancontact payment details for future off-session payments in Checkout
• Adds the Standalone 3D Secure API
• Adds support for SeQura payments
• Adds card-present payment methods to allowed payment method types
• Adds Link funding source group details on Payment Records
• Adds early fraud warnings and fraudulent dispute signals for Payment Evaluations
• Adds the ability to report canceled payments
• Adds support for expanding the mandate on card payment method details
• Adds the Payment Record property to the Payment Intent object
• Adds Link wallet details to Payment Records for card payments
• Adds 3D Secure versions 2.3.0 and 2.3.1 to Payment Records
• Adds support for BLIK recurring off-session payments
• Adds PayPay support for one-time online payments in Japan
• Exposes the network response electronic commerce indicator on card charges
• Adds payment method type information for failed payments
• Adds MoMo payment method details to Payment Records

Connect and accounts

• Adds address validation errors for CMRAs and registered agents to Accounts v1 and Accounts v2
• Adds rejected status for Accounts v2 capabilities
• Replaces the generic fraud rejection reason with specific fraud reasons
• Removes the configurations parameter from the Account Links v2 API
• Standardizes SEPA Direct Debit payment settings in the Accounts API
• Shows errors for eventually due requirements
• Distinguishes platform-initiated account rejections from Stripe rejections
• Adds additional shared fields to customer sharing

Billing and invoicing

• Unifies the billing cycle anchor format across Subscriptions and Invoices
• Adds invoicing rules to Invoice Items
• Adds reference and company details parameters for Billie
• Adds the ability to clear invoicing rules on Invoice Items
• Adds proration details for Invoice Items using classic billing mode
• Makes trial offers generally available
• Adds detailed status to explain why an Invoice is uncollectable
• Adds support for scheduling Subscription cancellation as part of pending update
• Adds the ability to pause and resume Subscriptions on demand
• Adds the Feedback Options API

Tax

• Adds Failed Tax Calculation error
• Adds support for new tax types
• Adds support for ticket sales to Stripe Tax

Financial Connections

• Renames the countries filter to country on Financial Connections Sessions
• Updates Financial Connections Session defaults
• Adds pending and expired statuses to Financial Connections account numbers

Treasury and money management

• Renames the Reserve Release reason enum value
• Adds destination property and new enum values to Reserve Plans, Holds and Releases
• Adds support for received credits sent via the Real-Time Payments network
• Exposes ACH return codes on OutboundPayments, OutboundTransfers, and InboundTransfers in v1 Treasury

Additional updates

• Adds page limit validation for dispute evidence
• Rejects duplicate references for pending India card mandates
• Surfaces India card mandates on Charges and SetupIntents even when inactive
• Sets canConfirm to false while updates are pending in Elements with Checkout Sessions
• Allows empty optional address fields in Elements with Checkout Sessions
• Requires billing details when Payment Element collection is disabled
• Makes thin events for API v1 resources generally available
• Adds Satispay payments capability to Accounts v2
• Adds an expiration timestamp to the Swish QR code object
• Adds a new outcome type for rerouted payments to Payment Evaluations
• Adds Balance Transaction types for provisional credits for Issuing disputes
• Adds India-specific mandate details to card payment method responses
• Adds the option to automatically pause subscriptions after payment failures
• Adds the Install API for Stripe Apps

Today, support for Open USD (OUSD) launches across Stripe products. OUSD is a new stablecoin from Open Standard that is designed for global money movement at scale and enables any business to transact and build with internet-native payment rails.

Businesses can now use OUSD to receive, hold, send, and spend funds with Treasury; build and operate a global card program with Issuing; and pay recipients globally with Global Payouts. Businesses can also offer fiat-to-OUSD conversions to their customers with Crypto Onramp and accept OUSD with Payments.

As we roll out additional support for OUSD, we will continue to make it available by default across Stripe products.

Create powerful global financial products with OUSD on Stripe

For fintechs, institutions, and global businesses building financial services at scale, OUSD is now integrated across Stripe’s stablecoin stack. It delivers the speed and utility businesses expect from a stablecoin, with low transaction fees that stay predictable even as volumes increase, and no minting or burning fees. OUSD’s benefits extend beyond costs and performance. While most businesses don’t earn rewards on stablecoin activity, businesses that join Open Standard as a partner can earn rewards based on OUSD activity—including their OUSD balances on Stripe—creating greater value as their usage increases. Businesses can join at no cost.

OUSD can also be used with Bridge and Privy. Using Bridge orchestration APIs allows businesses to easily convert between OUSD and both fiat and other stablecoins, while using Privy allows them to support OUSD in any digital wallet experience. Businesses have the flexibility to plug in these components as needed, or to use the entire stack to build powerful global financial services without stitching together separate providers for each part of the transaction flow. Finance platform Ramp will soon use Stripe to power stablecoin accounts that let users hold OUSD balances, earn rewards, and make payments anywhere in the world 24/7 with OUSD.

While OUSD on Tempo is now Stripe’s default stablecoin configuration, we continue to offer flexibility to choose the stablecoin and blockchain whose costs, settlement speed, and infrastructure best suit their product needs. OUSD is available on Base, Ethereum, Solana, and Tempo. Stripe supports several alternative stablecoins across blockchains, and won’t require Stripe users to convert their existing stablecoin balances to OUSD.

OUSD launches with the support and distribution of Open Standard’s founding companies, including Coinbase, Mastercard, Shopify, Stripe, and Visa, and more than 200 network partners.

Get started today

Read the docs or contact sales to start using OUSD on Stripe.

Businesses can mint and burn OUSD at no cost, and become Open Standard partners to earn rewards for supporting the OUSD network.

SAN FRANCISCO AND DUBLIN

Stripe has partnered with Open Standard to make Open USD (OUSD) available to businesses running on Stripe. OUSD will be offered in addition to the existing stablecoin options.

OUSD is a new stablecoin built for global money movement created by Open Standard, an independent company founded by Coinbase, Mastercard, Shopify, Stripe, and Visa. Businesses that choose to become an Open Standard partner earn rewards for adopting and transacting with OUSD.

The potential for stablecoins to help businesses operate more effectively, while enormous, remains largely untapped. For fintech businesses like remittance companies and global payroll platforms, with a high volume of cross-border transactions, stablecoins are the ideal rail in theory. But in practice, existing stablecoins are cost-prohibitive because they incur highly variable (“mint” and “burn”) fees to convert in and out of fiat currencies. OUSD changes that: businesses can convert freely between dollars and OUSD at no cost. Instead, Open Standard charges a small, predictable transaction fee.

OUSD, which launched today, is now available to businesses using Stripe. Developers can build fintech products with OUSD using Stripe’s APIs, including Bridge orchestration, Privy embedded wallets, and stablecoin cards with Stripe Issuing. Ramp, for example, is an Open Standard partner that uses Stripe to power its stablecoin accounts. These accounts will let Ramp customers hold OUSD balances, earn rewards, and send money anywhere in the world, 24/7.

“OUSD offers businesses better economics than any other stablecoin,” said Henri Stern, co-founder of Privy. “We’re excited to give developers the choice to use it across all of Stripe’s stablecoin stack, enabling them to build internet-native products at scale.”

Businesses can also hold OUSD directly with Stripe Treasury, spend that balance with stablecoin cards, and send OUSD to crypto wallets in more than 100 countries. Stripe Treasury accounts can be funded with OUSD from crypto wallets on Tempo, Base, Ethereum, and Solana, as well as with fiat through ACH, SEPA, and wire transfers.

TOKYO—Ten years on from Stripe's first launch in Japan, the programmable financial services company is reporting a strong rise in Japanese entrepreneurship. More than 150,000 businesses and solopreneurs in Japan now build on Stripe, including many of Japan’s most famous brands, like Toyota, Mercari, and DeNA, alongside fast-growing startups like Sakana AI. More than 45,000 new businesses started on Stripe in the last year alone. Stripe today shared new tools to accelerate the growth of these businesses, from the expansion of Stripe Capital, the company’s working capital finance product, to the launch of Stripe Managed Payments, enabling businesses to sell into dozens of countries without a local entity.

John Collison, cofounder and president of Stripe, said: “The boom in entrepreneurship is an immense opportunity for the Japanese economy. The challenge now is how to help the best of these businesses to scale faster than ever, as the global economy replatforms around AI. Japan’s high standards for quality, reliability, and trust give its companies a distinct advantage in this transition, and it’s a privilege to support so many of them in making the most of this moment.”

A new way for internet businesses to access capital

The OECD has argued that the structure of Japan’s lending market acts as a drag on business dynamism, with capital allocated disproportionately to small businesses that are not growing, and insufficient capital available for those with the potential for more growth. But coming in 2027, fast growing businesses that use Stripe for payments will be able to borrow against their future growth with Stripe Capital.

With insight into the real-time revenue data of these businesses, Stripe can offer growth financing without requiring businesses to complete burdensome paperwork or wait through lengthy review processes. Repayments are made as a fixed percentage of ongoing sales, so businesses can manage financing in line with their performance.

The service is already live in the US, Australia, and Europe, and has been proven to accelerate the growth of borrowers. In a randomized study, Stripe found businesses that accepted Capital offers grew 27 percentage points faster over the following year than comparable businesses that didn't.

Accelerating the global expansion of digital businesses

One of the most reliable ways for a startup to grow faster is to sell into new markets around the world. Japanese businesses building on Stripe have been growing their overseas sales by an average of 63% each year for the last five years.

To help more Japanese companies sell into more markets, Stripe announced Stripe Managed Payments, which enables businesses to sell digital products to customers in 195 countries while Stripe handles indirect tax, disputes, fraud protection, customer support, and more. Businesses can also benefit from higher payment success rates as Stripe routes transactions for processing through its local entities in certain markets.

Increasing domestic checkout conversion with more payment methods

QR code-based payments have become the default for Japanese consumers, and Stripe today announced support for five new QR code-based payment methods: Rakuten Pay, d-Barai, au PAY, Merpay, and Aeon Pay. Businesses in Japan and around the world can easily enable these new payment methods with Stripe Checkout Studio, a new home for businesses to configure and optimize all their checkouts.

Stripe also announced Tap to Pay on Android is now available for Japanese businesses, as well as a new Stripe Terminal device, the T600, with a customer-facing display that enables businesses to present information and custom applications alongside the in-store payment experience.

The announcements came at Stripe Tour Tokyo, where over a thousand of the region’s most ambitious business leaders gathered to discuss opportunities for accelerated growth.

Help agents complete more purchases

The most popular personal AI agents—such as Muse, Meta’s new personal agent; Grok Bot; and Instinct—now use Link’s wallet for agents to power consumer spending. Consumers are embracing this new way to shop: over the past month, agentic purchases made with Link increased 38x.

As agents take on more purchases, agent builders have increasingly asked us to help agents navigate checkout and earn consumer trust. Today, we’re sharing three major improvements to support this broader set of needs. Link can now help agents complete more purchases with incremental authorization and guidance on how to overcome checkout obstacles; analyze consumer spending to make better product recommendations; and provide purchase protection if an agent makes a mistake.

Online checkout flows are complex, and agents do not always have all the information they need at the start of a purchase. The final price may change because of taxes, shipping, or other costs added later in the process.

Link now supports incremental authorization, which lets agents request a higher approved amount when the final price exceeds the original. For example, a consumer might ask an agent to book a flight, then add a checked bag after approving the initial fare. With Link, the agent can update the approved amount to include the baggage fee instead of restarting the purchase and placing a second hold on the consumer’s card. This helps agents account for price changes and complete more purchases with less intervention.

When an agent encounters additional payment obstacles, Link provides specific guidance on how to proceed to increase the chances of a successful payment. For example, Link can provide a URL that the agent can send to the consumer to complete a 3D Secure challenge. Or if the original payment method was declined, the agent can ask the consumer to choose another and create a new spend request.

Enable agents to make better product recommendations

Agent builders can now use Link’s financial insights to help their agents analyze a consumer’s purchase history to make better product recommendations. With a consumer’s permission, an agent could identify the stores the person frequents, set an appropriate budget based on their spending habits, make informed product suggestions, and then complete an approved purchase—creating a more personalized shopping experience. For example, a consumer could ask an agent to buy new cleaning supplies, and the agent might suggest purchasing from Sudsy based on their purchase history.

Powered by Financial Connections, Stripe’s open banking solution, Link gives agents consumer-permissioned access to transaction data from more than 12,000 financial institutions covering over 97% of US bank accounts. Consumers choose which bank and credit card accounts to share and can revoke access at any time.

Protect purchases made by agents

When consumers ask an agent to make a purchase, they want to be confident that they’ll have recourse if the agent makes a mistake.

Consumers may now be eligible to receive free purchase protections when an agent uses Link to complete an eligible purchase on their behalf. For qualifying Link transactions, accidental damage, lost items, price drops after they buy, no-fee returns, and return guarantees are covered.

This allows agent developers to give consumers added safeguards at checkout without building their own protection program or managing claims.

Muse is the first AI agent to offer purchase protections through Link’s wallet for agents. We plan to make Link’s purchase protections available through more agents soon.

What’s next

We plan to introduce spending controls that let consumers set an agent’s budget and allow the agent to complete a task on their behalf—without having to approve each individual transaction. For example, a consumer could give an agent a budget to buy a limited-release pair of shoes as soon as they go on sale at 1 a.m., without staying up to approve the purchase.

Get started today with Link’s wallet for agents.