Stripe Release Notes

All Stripe Release Notes

• Nov 11, 2025

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    Nov 11, 2025
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    Nov 11, 2025
  

  Stripe

  Create new monetization opportunities with Stripe Billing’s recent upgrades

  Stripe Billing now supports managing subscription payments across off-Stripe processors, with unified reporting, retries, and dunning. Invoices can be prepaid, prebilled, and billed in local currencies with BNPL options, plus enhanced hybrid pricing for AI and real-time usage.

  Billing can now manage successful, failed, refunded, and canceled payments made by off-Stripe payment processors

  You can already integrate Billing with different payment processors, but large users with complex payment stacks comprising multiple processors tell us that they want to use Billing to manage more of their recurring revenue. You can now use Billing to manage subscription payments made with off-Stripe payment processors across the payments lifecycle, including successful, failed, refunded, and canceled payments. This means you can:

  • Report failed payment statuses for off-Stripe transactions and attach those records to invoices
  • Set up scheduled retries and use dunning for off-Stripe transactions
  • View your uploaded payment method logos and names in the customer portal for off-Stripe transactions
  • Take advantage of unified reporting and revenue recognition across Stripe and non-Stripe payment volume (this is an additional paid feature on Stripe)

  We’ll continue to expand multiprocessor support for Billing throughout the year. Soon, you’ll be able to use Stripe Sigma for advanced reporting, record an off-Stripe dispute payment, and update subscriptions in the customer portal with any other payment processor.

  Billing and Stripe Invoicing upgrades help you offer flexible payment options

  As you grow, you need the ability to quickly adapt your pricing strategy to stay competitive and meet customer expectations. Businesses tell us they want to offer early payment incentives to close deals, align subscription terms to competitors, and provide flexible payment options that reduce customer friction.
  To that end, you can now bill for future subscription periods at any time—whether that’s collecting next month’s payment today to close a sales deal or billing three months in advance to improve cash flow predictability. You can prebill specific items on a subscription, cover arbitrary periods (such as prebilling through December 2025 and returning to regular billing afterward), and prebill partial periods.
  We also released a series of improvements to Invoicing to help you get paid faster and enhance your customers’ payment experience. You can allow customers to pay in their local currency in more than 150 countries via Adaptive Pricing and give customers the flexibility to pay in installments with buy now, pay later (BNPL) methods such as Klarna, Affirm, and Afterpay/Clearpay—all available on the Hosted Invoice Page. You can also more flexibly manage payments on invoices by accepting partial payments and unapply payments from paid invoices to correct reconciliation errors.

  New pricing plans allow you to model and manage hybrid pricing

  AI is fundamentally reshaping product capabilities, the value they deliver, and the methods for monetizing that value. However, traditional pricing models struggle to keep pace with shifting costs. Hybrid pricing approaches that combine subscriptions, usage-based rates, and credits offer a better balance between predictability and scalability, but they’re often complex for businesses to implement.
  Last month at Stripe Tour New York, we previewed our solution: our new pricing plans that combine usage-based rates with dimensional pricing, recurring fees, and credits allow you to easily model and manage hybrid pricing.
  For example, imagine Lora, a fictional AI company that offers a monthly subscription that automatically grants recurring credits. With Stripe’s pricing plans and rate cards, Lora can set up the subscription, issue monthly credits, and define how those credits are consumed across different products—all through one simple plan and consolidated bill. Consumption is tracked in real time, and dashboards powered by the Usage Analytics API give both Lora and its customers clear visibility into usage and credit balances. Lora can then schedule automatic top-ups when credits run low, ensuring that customers get an uninterrupted product experience.
  What once took weeks of engineering work can now be completed much faster. For example, Lovable implemented its complete system with just two engineers in under two weeks—from design to launch—using Stripe’s new pricing plans.

  Stripe’s LLM proxy protects your margins when AI model costs change

  AI products are under constant pressure from fluctuating inference costs, which can vary significantly—sometimes by 10%–40% within just a few months. If inference costs drop 25% and you don’t adjust prices, you risk losing your competitive advantage. If costs rise and you don’t react quickly, your margins suffer.
  At Stripe Tour New York, we shared how you can automatically update pricing and protect margins when AI model costs change with Stripe’s LLM proxy, currently available via private preview.
  Here’s how it works: when you make an API request using Stripe’s LLM proxy endpoint, we track query and response usage based on token consumption, and we apply your previously defined pricing—all in one request. Stripe tracks and totals token usage, applies your markup, and sends unified invoices on your behalf. When underlying costs change, you don’t need to do additional work to maintain margins. Through integrations with OpenRouter, Cloudflare, Vercel, and Helicone—with more coming—you can route requests through third-party LLM proxies while Stripe automatically logs token consumption and usage events.

  Supporting your growth

  As we continue to improve Billing, we’d love to hear what you want us to build next. To learn more about how Billing can accelerate your growth, read our docs or get in touch with an expert from our team.

  Footnotes

  1. Gartner Magic Quadrant™ for Recurring Billing Applications, Mark Lewis, Robert Anderson, 13 October 2025.
     GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally, and MAGIC QUADRANT is a registered trademark of Gartner, Inc. and/or its affiliates and are used herein with permission. All rights reserved. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

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• Nov 4, 2025

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    Nov 4, 2025
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    Nov 5, 2025
  

  Stripe

  Building for the next wave of app monetization

  Stripe pitches a new path for app developers to process in‑app payments globally, acting as merchant of record and offering a branded, conversion-optimized checkout across Android and iOS. It promotes Managed Payments, Payment Sheet, Checkout and Billing to cut fees and simplify pricing.

  Sell globally with Stripe as your merchant of record

  Selling digital products such as SaaS, software, content, or downloads through third-party payment providers offers more flexibility and control. However, it also introduces new responsibilities that were previously handled by app stores.

  Stripe’s Managed Payments is a merchant of record service that takes on the following for iOS and Android developers:

  • Global tax compliance (VAT, GST, sales tax), including calculation, collection, and remittance
  • Fraud prevention and risk management
  • Disputes and chargebacks
  • Customer support and subscription management
  • Faster payouts (five to seven days, compared to typical monthly schedules)

  Managed Payments also lets your customers view purchase history and update or cancel subscriptions in a hosted portal. With Stripe handling these tasks on your behalf, you can focus on building apps—and keep more of your revenue.

  Accept in-app payments on Android and iOS

  The ability to accept payments in the UI of your choice means you can now fully control your in-app payments experience. But building secure, optimized payment flows from scratch requires significant engineering resources. Creating a mobile-optimized checkout that offers diverse payment methods and maintains your brand identity means navigating PCI compliance standards, implementing secure authentication, and continuously optimizing for different devices and customer preferences.

  For Android developers, we've solved this with Payment Sheet —a prebuilt, native in-app solution you can present anywhere in your app. The sheet displays payment methods, express pay buttons, and confirmation options, while giving you access to more than 125 global payment methods. You can dynamically order and display these payment methods with built-in AI models, run A/B tests for new options, and customize the UI to match your app's design by modifying colors and fonts while maintaining a consistent layout.

  For iOS developers, there are even more considerations when processing payments. Since you can now redirect customers to the web, many developers worry about reduced conversion rates. We’ve been working to increase conversion rates with Stripe Checkout for app-to-web payments. This prebuilt, customizable payment page allows you to:

  • Integrate a low-code, mobile-optimized UI that loads quickly on a mobile network
  • Match the checkout page to your brand
  • Access built-in promotional capabilities and flexible subscription management
  • Offer popular one-click payment methods
  • Maintain login state as customers move from app to web
  • Keep customers on track by saving cart items across redirects

  You can enable app-to-web payments by adding one line of code to your Checkout integration.

  Gain full control over pricing

  Historically, developers have had to rely on an app store’s built-in system for managing pricing—selecting from predefined pricing tiers and lacking the ability to offer temporary discounts. Now that they can collect payments through Stripe, iOS and Android developers have the ability to fully control pricing.

  Stripe Billing allows you to easily support subscriptions, usage-based pricing, pay-as-you-go models, and one-time charges to match your business’s needs. You can also give customers a discounted introductory trial or subscriber discount if they upgrade from a monthly plan to an annual one.

  Stripe Billing also helps you maximize revenue and reduce churn with AI-powered Smart Retries and recovery workflow automations. Stripe recovery tools helped users recover over $6.5 billion in revenue in 2024.

  Helping developers reduce costs and increase conversion

  We're already supporting app developers across a range of industries, including gaming, media and entertainment, and AI. We’re partnering with Unity, the world's leading platform for creating games and interactive experiences, to offer its developers a lower-cost alternative to app stores by using Stripe for payments and as their merchant of record. And Superwall, a paywall provider, has already seen its users’ trial conversion rates increase by 2x after switching to Stripe.

  Learn more about how you can reduce fees and create an optimized checkout, or contact our team.

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• Oct 29, 2025

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    Oct 29, 2025
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    Oct 30, 2025
  

  Stripe API by Stripe

  2025-10-29.clover

  Stripe rolls out sweeping API and payments upgrades with new event filtering, terms of service uploads, attestation flows, and richer webhook signals. It adds MB WAY and TWINT options, Klarna tweaks, crypto payments, tax coverage, and extended payment method configurations across Checkout, Billing, and Terminal.

  Global API enhancements

  • Adds support for filtering by event type to Events v2
  • Affects all products
  • Adds the ability to upload your platform’s terms of service agreement
  • Affects all products

  Connect enhancements

  • Adds the ability to attest to an Account’s authorized company representative
  • Connect
  • Adds a webhook event type for updates to the balance settings for connected accounts
  • Connect + 1 more

  Billing enhancements

  • Adds support for using Payment Records with Invoices and Credit Notes
  • Billing + 1 more
  • Updates the category field of Credit Grants to be optional
  • Billing
  • Adds a webhook event type for Invoices that require a non-Stripe payment
  • Billing + 1 more

  Payment methods enhancements

  • Adds MB WAY to payment method configurations
  • Payments
  • Adds TWINT payment method options to Checkout Sessions
  • Checkout
  • Adds support for specifying payment method configurations to the customer portal
  • Billing
  • Adds MB WAY payment method to Payment Links and Checkout Sessions
  • Checkout + 1 more
  • Adds the ability to exclude payment methods when using Setup Intents
  • Payments
  • Adds Klarna reference parameters for line items in Payment Intents
  • Payments
  • Adds a subscription reference to Klarna line items in Payment Intents
  • Payments
  • Adds support for custom payment methods
  • Payments

  Crypto enhancements

  • Adds support for managing stablecoin payments with Payment Method Configurations
  • Crypto + 1 more
  • Adds crypto network support for Solana
  • Crypto
  • Adds blockchain transaction hash to stablecoin refunds
  • Crypto + 1 more

  Tax enhancements

  • Adds support for remote sellers in Taiwan to Stripe Tax
  • Tax
  • Adds third-party tax providers for automatic tax calculation
  • Tax

  Terminal enhancements

  • Adds a field for a Terminal reader’s last connection timestamp
  • Terminal
  • Adds support for tipping in Gibraltar pounds on Terminal readers
  • Terminal

  Additional updates

  • Adds Payment Records and Payment Attempt Records
  • Payments
  • Adds support for payment line items
  • Payments
  • Adds support for collecting business and individual names on Payment Links
  • Payment Links
  • Adds support for Customer Sessions for Mobile Payment Element and Customer Sheet
  • Elements + 1 more

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• Oct 14, 2025

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    Oct 14, 2025
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    Oct 14, 2025
  

  Stripe

  Introducing stablecoin payments for subscriptions

  Stripe unveils stablecoin subscription payments, letting customers pay subscriptions with crypto wallets and settle in fiat. Private US preview for USDC on Base and Polygon, plus a wallet-based recurring payments contract that auto‑authorizes renewals.

  Stablecoin subscriptions for Stripe

  Since launching stablecoin payments a year ago, we’ve seen stablecoins enable the
  rapid global expansion
  of some of the fastest-growing companies today. The top 20 AI companies on Stripe—all but 1 based in the US—draw 60% of their revenue from outside the country. But cross-border payments can be expensive to accept, slow to settle, and often fail outright. That’s why some AI companies such as
  Shadeform
  have seen approximately 20% of their payment volume shift to stablecoins, which settle near-instantaneously and cost half as much per transaction to process.

  Now, to better support the 30% of businesses on Stripe with recurring business models—including the majority of AI companies—we’re launching subscription capabilities for stablecoin payments. With this launch, businesses can:

  • Let customers use their crypto wallets to pay for subscriptions, which then settle directly in fiat
  • Manage fiat and stablecoin subscription payments together in the Stripe Dashboard
  • Integrate stablecoin-based subscriptions with Stripe’s Optimized Checkout Suite and Stripe Billing
  • Extend the benefits of stablecoin-based payments across their entire product suite

  To launch stablecoin subscriptions, we built a smart contract that resolves a fundamental limitation of blockchain-based payments: that wallet owners need to manually “sign” each transaction. The smart contract lets customers save their wallet as a payment method and authorize it to send recurring payments—without needing to re-sign each transaction. Customers can do this with more than 400 supported wallets, and it’s just like saving any other payment method on Stripe.

  We’re incredibly excited about rolling out stablecoin subscription payments with Stripe. Stablecoin payments help us reduce our cost of revenue for payments from all around the globe, attract more tech-forward users, and reach folks who don’t have access to other payment methods.

  Alex Mashrabov, CEO, Higgsfield

  To start, we’re rolling out stablecoin-based subscriptions in private preview to US-based businesses, and supporting subscription payments made in USDC over the Base and Polygon blockchains.

  To turn on stablecoin payments, head to the
  payment methods section of the Stripe Dashboard
  . To enable stablecoin-based subscriptions,
  request access
  .

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• Oct 7, 2025

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    Oct 7, 2025
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    Oct 8, 2025
  

  Stripe

  Introducing our agentic commerce solutions

  Stripe unveils agentic commerce with the OpenAI ACP, enabling AI platforms to embed shopping and secure payments. Instant Checkout in ChatGPT lets US users buy from Etsy now and soon from 1M+ Shopify merchants directly in chat. A new Shared Payment Token system adds programmable, fraud‑protected payments and a Link wallet for trust across AI surfaces.

  Last week, we shared how we worked with OpenAI to develop the Agentic Commerce Protocol (ACP), a new open specification to help AI platforms embed commerce into their applications, and businesses sell through agentic channels without giving up trust or control.
  The ACP specification is already powering its first real-world use case: Instant Checkout in ChatGPT. ChatGPT users in the US can now buy from US Etsy sellers—and soon from more than a million Shopify merchants, such as Glossier, Vuori, Spanx, and SKIMS—directly in chat.
  ACP is just the beginning. Here are some of the additional steps Stripe is taking to build agentic commerce solutions for AI platforms and businesses.

  What we’re building for AI platforms

  Agentic commerce challenges many of the assumptions today’s permissioning and fraud systems rely on. In traditional commerce, possession of a credential (such as a card) is treated as a trust signal. But because AI agents act on behalf of users, trust can’t be inferred—it has to be explicitly granted, scoped, and enforced in code.
  To support this shift, Stripe built Shared Payment Tokens (SPT), a new payment primitive for AI commerce. SPTs let agents initiate payments using a buyer’s permission and preferred payment method, without exposing credentials.
  SPTs are designed to meet the new requirements of agentic commerce:

  • Programmable by design: Tokens can be scoped to a specific business, limited by time or amount, revoked at any time, and monitored via webhook events.
  • Reusable and convenient: Buyers can use their existing saved payment methods—or add a new one—without needing to re-enter details.
  • Secure and interoperable: Underlying credentials are not exposed, and SPTs are designed to be generally compatible with card networks’ agentic tokens.
  • Protective against fraud: When used on Stripe, SPTs are powered by Stripe Radar and can relay the underlying risk signals using transaction and payment method details—including the likelihood of a fraudulent dispute, card testing, a stolen card, a card issuer decline, and other signals—that help differentiate between high-intent agents and low-trust automated bots.
  • Easy to integrate: SPTs work directly with Stripe PaymentIntents, making integration simple for developers already using Stripe.
    Businesses can accept purchases from AI platforms without major changes to their stack. Here’s how it works:
  • A buyer either creates or reuses a saved payment method with the AI platform.
  • Once the buyer clicks “Buy,” the AI platform issues an SPT scoped to the business, with a usage limit tied to the checkout total.
  • The AI platform sends the SPT identifier to the business via an API request.
  • The business uses the SPT to create a PaymentIntent.
  • Stripe facilitates the transaction, applying fraud detection and enforcing token controls in real time.
    Even businesses that don’t process payments with Stripe can forward SPTs to their own vaults or other processors as secure credentials—with the same programmable trust and fraud protection.

  What we’re building for businesses

  Through testing with users, businesses have told us they want more control in three areas:

  • Controls to structure their product catalog: We want to make it easy for businesses to share real-time product, price, and availability information while staying in control of their brand. To that end, we’re designing product feeds so businesses can define how their products show up, and even broadcast real-time pricing and availability via AI channels.
  • Controls over their brand at checkout: Businesses don’t want to be intermediated by AI agents; they want to keep their brand, their upsells, and their customer relationships. We’re building a new kind of extensible checkout for agentic commerce—one that can be embedded directly inside AI agents, while still letting businesses decide how it looks, what it includes, and how it connects to their systems.
  • Controls for customers to manage identity and trust: SPTs allow secure payment details to be passed between AI agents and businesses. We’re extending that same foundation to features customers can see and control through Link, a digital wallet built by Stripe. With Link, customers will have a wallet purpose-built for agentic commerce, preserving their identity and purchase history across AI surfaces, supporting accelerated checkouts, and offering controls such as spending limits or explicit permissions for agents. Stripe then validates business identity on one side and confirms buyer identity and authorization on the other.

  Looking ahead

  To help businesses prepare for agentic commerce and test our solutions in real-world settings, we’re working with early partners such as Microsoft Copilot, Anthropic, Perplexity, Vercel, Lovable, Replit, Bolt, Manus, and global payments networks.
  To get ready for Instant Checkout in ChatGPT or to sell through future AI agents, please contact our team. If you already process payments with Stripe, you will be able to enable agentic payments in your existing integration by updating as little as one line of code. If you currently process with another provider, you can still use Stripe for agentic payments. To learn more, read our docs.

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• Oct 1, 2025

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  Stripe

  Oct 2025

  Payments

  You can now use the Payment Records API to track and keep a unified history of your payments, for both payments processed on Stripe and by other payment processors.

  Billing

  The ability to integrate Stripe Billing with multiple payment processors is now generally available. This functionality also supports tracking refunds and immediate cancellations, and includes off-Stripe volume in Revenue Recognition reporting.

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• Sep 30, 2025

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    Sep 30, 2025
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  Stripe

  Introducing Open Issuance from Bridge: A new platform to launch your own stablecoin

  Bridge launches Open Issuance, a platform for brands to launch and manage their own stablecoins with customizable reserves and liquidity. It enables instant on‑chain swaps across issued coins like Phantom CASH. Real‑world rollout underway.

  Open Issuance

  Stablecoins are rapidly becoming one of the most transformative tools in global finance. Businesses are increasingly using stablecoins to get paid, store funds, and manage treasury operations—accelerating their ability to reach customers, launch borderless financial services, and manage costs.
  One thing is holding businesses back: they’re building on top of stablecoins issued by an external provider. The market is currently dominated by a small group of issuers, and their scale, liquidity, and brand recognition have made their stablecoins easy to use. But building atop these stablecoins means businesses don’t get to participate in the economics, face unpredictable fees, and are ultimately beholden to the issuers’ roadmaps.
  Today, we’re fixing that. Open Issuance is a new platform that allows any business to launch and manage its own stablecoin. With its own stablecoin, a business can control its product experience, mint and burn without limits or unnecessary fees, and earn rewards from reserves. Businesses using Open Issuance plug into a shared liquidity network to reduce costs and get to market quickly—without depending on a handful of incumbent issuers.
  Companies across industries and business models can create their own stablecoins, including:

  • Crypto platforms wanting to control their economics and pass rewards to users
  • Fintechs exploring stablecoins as a store of value in addition to their fiat services
  • Enterprises looking to optimize their global treasury operations with enhanced liquidity while still earning yield
  • Banks exploring stablecoin strategies to bring efficiencies to multiple consumer and business product lines
    This infrastructure is already powering its first real-world use case: Phantom, a crypto wallet with a community of more than 15 million users, is launching a new stablecoin, CASH, on the Open Issuance platform. CASH will form the foundation of Phantom’s native money movement features—users can spend CASH, send to friends, use it across DeFi, or convert it seamlessly to fiat and other stablecoins.
    In addition to CASH, coins already issued by Bridge will move over to the new platform, including USDH, the Hyperliquid native stablecoin built by Native Markets, and coins from MetaMask, Dakota, Slash, Lava, and Takenos.

  Customizing and managing your stablecoin

  Open Issuance allows you to launch a stablecoin in just a few days. Bridge handles reserve management, security, liquidity, and GENIUS-ready compliance so you can focus on your end customers.
  While Open Issuance will come with a set of simple defaults, nearly every aspect of your stablecoin can be customized, including:

  • Which blockchains your coin supports
  • What smart contracts functionality you want
  • The exact mix of reserves that back your stablecoin (allocations can be balanced between cash and treasuries through top-tier partners including BlackRock, Fidelity Investments, and Superstate)
    We’re also building a whole suite of tools to help you increase adoption for your custom stablecoin with onramps, offramps, wallets, cards, and more from Bridge, Privy, and Stripe.

  A unified network of stablecoins for built-in liquidity

  Introducing new stablecoins presents an obvious challenge: building liquidity. Open Issuance solves this by design: businesses can enable their stablecoin to be interoperable (a one-for-one swap) with other Open Issuance stablecoins. As new stablecoins launch, overall liquidity expands, strengthening the entire network. This means businesses can customize their stablecoin to fit their needs without building liquidity all on their own, while end customers can swap easily. The ability to swap between these stablecoins is live in the Bridge API today.
  For example, say a user is holding $10 in Phantom CASH and wants to swap it with $10 of USDH. Previously, they would have to go to an exchange, offramp to USD, and then purchase USDH, incurring multiple fees and facing friction along the way. In the future, Phantom CASH users will be able to swap their funds with other Open Issuance stablecoins using an instant, permissionless transaction that is onchain—no intermediary required.

  What’s next

  In the coming weeks, we will be announcing more stablecoin launches and share more on the platform design of Open Issuance. At Bridge, our mission is to equip builders with the tools they need to create better financial experiences. Open Issuance is a big step forward, empowering you to control your product vision and own your economics. If you’re thinking about launching your own stablecoin, contact the Bridge team.

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• Sep 30, 2025

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  Stripe

  All our product updates from Stripe Tour New York

  Stripe Tour New York unveiled 40+ updates across payments, AI and crypto, including AI-driven fraud controls, adaptive pricing, offline Stripe Reader, and new stablecoin infrastructure. Many capabilities are now available to users.

  Payments

  We shared how Stripe can help you in three key areas: increasing checkout conversion for your customers across devices and markets; growing your revenue, lowering costs, and fighting fraud with the scale of the Stripe network and new AI advances; and preparing you for a new buyer: AI agents.

  Here’s what’s new:

  • Optimized Checkout Suite
    • You can now seamlessly redirect customers from your iOS app to a mobile checkout page powered by Stripe Checkout, allowing you to save up to 90% in payment fees.
  • We previewed the ability for you to use Managed Payments, our merchant of record solution, for one-time payments and app-to-web payments. With Managed Payments, Stripe manages global tax compliance, fraud and disputes, and the checkout experience—in addition to handling customer support for transactions through Link.
  • You can now use Klarna on Link with Checkout and Payment Links, giving your customers the flexibility to pay over time while you get paid in full up front.
  • You can now offer businesses on your platform the ability to automatically localize prices in 150 markets with no additional Stripe fees using Adaptive Pricing, available via Stripe Connect.

  Payments Intelligence Suite

  • You can now use Authorization Boost’s new excessive retry and decline prevention features to help lower card processing costs.
  • We previewed new AI-powered controls for Stripe Radar, including dynamic risk thresholds that automatically adjust based on changes in fraud levels and the ability to set your own risk preferences within Radar.
  • We previewed the ability for you to write custom fraud prevention rules with Radar for additional payment methods such as Klarna, with support for Affirm, Bacs, and Cash App coming later this year.
  • You can now use AI to reduce your dispute rate by proactively refunding transactions based on the likelihood they will result in disputes via Smart Refunds.

  Agentic commerce

  • You can now use the Agentic Commerce Protocol (ACP), a new open standard codeveloped by Stripe and OpenAI for businesses to make their checkouts agent-ready by surfacing products, pricing, and checkout flows in a format agents can use.
  • We previewed Shared Payment Tokens, our new payment primitive for AI-led commerce that lets AI agents pay with a customer’s saved payment method while securely passing payment details and risk signals to the business. Instant Checkout in ChatGPT, OpenAI’s new commerce experience, is powered by Shared Payment Tokens.

  Stripe Terminal

  • You can now process in-person payments without Wi-Fi, using Stripe Reader S710 with cellular connectivity.

  Stripe Orchestration

  • We previewed the ability for you to instantly retry transactions that fail with a different processor.

  Revenue

  We shared new upgrades to our Revenue suite that make it easier for the fastest growing companies to launch AI-powered offerings, such as charging customers based on LLM token usage and launching hybrid pricing models. Updates in this area include:

  Stripe Billing

  • We previewed billing for LLM tokens, making it easy to update your prices and protect your margins when AI model costs change. Route calls through Stripe’s proxy API or partner proxies to track usage, apply a markup, and bill customers automatically as they use your AI features.
  • We previewed the ability for you to model and manage hybrid pricing models that include rate cards, license fees, and credits with new pricing plans.
  • We previewed the ability for you to bill based on multiple attributes of usage data—such as model type used, data request size, and speed of delivery—from a single meter with dimensional pricing.
  • We previewed the ability for you to burn down credits in real time, and configure real-time alerts for low credit balances to trigger automatic top-ups.
  • We previewed the ability for you to access real-time, aggregated usage data, down to the customer level, to identify trends or power customer dashboards with the Meter Usage Analytics API.

  Stripe Invoicing

  • You can now accept partial payments on invoices through the Stripe Dashboard and via API.

  Stripe Sigma and Stripe Data Pipeline

  • You can now export prebuilt Stripe reports, select only the data and reports you need, and get more visibility into data freshness with time stamps via Data Pipeline’s new export customizations.
  • You can now purchase Stripe Sigma and Data Pipeline via subscription, helping you better predict and manage your costs.

  Stripe Tax

  • We previewed the ability for you to use Tax for additional verticals such as events and ticketing.
  • We announced that we will support tax collection in 102 countries for businesses selling physical goods early next year—up from 40 countries in 2024.
  • You can now use Tax in Mexico, and we announced that support for Gibraltar, Liechtenstein, and Malaysia is coming soon.

  AI development

  • We previewed the ability for you to embed Stripe sandboxes directly inside your AI platform, allowing developers to launch and manage payments and financial services from right inside your environment.

  Connect and Embedded Finance

  More than 15,000 SaaS platforms use Stripe to offer payments and financial services to more than 10 million businesses. Today, we shared how we’re making it easier for you to run your platform, including smarter analytics to fine-tune your payments business, better tools to manage risk at scale, and new monetization features. Here’s the latest:

  Connect

  • We previewed the ability for you to better control risk and compliance in ways that align with your business by extending due dates for user verification tasks directly from the Dashboard and accessing tailored benefits to streamline operations as you grow with Stripe Verified for platforms.
  • You can now receive email notifications from Stripe when your connected accounts have upcoming, due, or past-due risk and compliance actions. You can customize who receives these notifications and how often.
  • We previewed the ability for you to offer IC+ payments pricing to your connected accounts with network cost passthrough. It comes with an easy-to-use API for prebuilt reports that you can share directly with your users, helping them understand their underlying platform fees and network costs.

  Embedded Finance

  • You can now onboard to Stripe Capital and send live capital offers to your users in under five minutes—without any engineering or marketing resources required.
  • You can now add new features to your financial account to help your users move and store money, such as cash acceptance, and cross-border payouts.
  • You can now embed a promotional tile directly within your platform’s UI that highlights available financing offers to your users with our Capital promo tile component.
  • You can now allow users to make an instant payout, and see the amounts of funds available to pay out, directly within your product via our Instant Payouts promotion component.

  Money Management

  Earlier this year at Stripe Sessions, we previewed our biggest-ever upgrade to Stripe with a redesigned balances page in the Dashboard, plus new capabilities to help you manage payments and finances in one place. Today, these money management capabilities are accessible via Financial Accounts for businesses in the US, with support for the UK coming soon. Here’s everything you can do today, directly from the Dashboard:

  • You can now easily view the transactions entering your balance —inclusive of different currencies. You can also more easily reconcile payouts and manage your schedule.
  • You can now instantly convert currencies, 24/7, right from the Dashboard.
  • You can now operate like a local without needing a local presence, and move money cross-border cheaply.
  • You can now simplify expense management with virtual and physical cards powered by Mastercard, and send money to anyone, anywhere in minutes using the funds in your financial account—thanks to new integrations between Financial Accounts and cards and Global Payouts.
  • You can now integrate your financial account with Xero and QuickBooks Sync by Acodei, allowing you to automatically import transactions to close your books faster.

  Stablecoins and Crypto

  Today, we announced new, modular infrastructure for all parts of the crypto stack. We highlighted dozens of examples of how stablecoins and crypto can solve fundamental problems with our existing financial systems by offering fast, low-cost, and programmable money movement with global accessibility. For example: Privy, our solution for digital asset management, allows you to offer embedded money storage for your customers in 200 markets; and Bridge, our solution for advanced stablecoin infrastructure needs, offers rails to move funds cheaply and instantaneously across currencies, borders, and entities.

  Latest updates include:

  • We previewed the ability for you to collect subscription payments using stablecoins.
  • You can now hold stablecoin balances in your financial account if you are a US business, allowing you to expand into new markets more easily. Businesses outside the US in more than 100 countries can request access to Financial Accounts with dollar-denominated stablecoin balances.
  • We announced that you will soon be able to allow users to buy crypto directly from your app with fiat-to-crypto onramp.
  • We announced that you will soon be able to launch your own custom stablecoin with Open Issuance from Bridge. You’ll be able to maximize rewards by choosing the allocation of reserves managed by BlackRock, Fidelity Investments, Superstate, and others. You will also be able to make your stablecoin interoperable with other Open Issuance stablecoins, allowing end customers to swap their stablecoins using an instant, permissionless onchain transaction.
  • Via Bridge, you can now use local on and offramps in Mexico, allowing you to easily move funds between dollars, pesos, and stablecoins through a simple set of APIs. We also previewed on and offramp support in Brazil via Bridge.
  • Via Bridge, you can now create flexible liquidation addresses that can accept deposits across multiple chains and currencies.
  • Via Bridge, you can now launch stablecoin-backed Visa cards to customers in the US, Bolivia, Brazil, Ghana, and more than 10 other countries across Latin America and Africa. Customers can spend stablecoin balances from custodial or noncustodial wallets anywhere Visa is accepted. This infrastructure is also used by Stripe Issuing, extending the 22 fiat countries already supported.
  • Via Bridge, you can now instantly create virtual accounts in the Bridge dashboard, allowing customers to onramp funds using a unique bank account number with the new payments module.
  • Via Privy, you can now pay for all network fees on behalf of your users directly through embedded wallets, reducing cost and friction, with the native gas sponsorship.
  • Via Privy, you can now set up and support accounts across virtually any blockchain, including all Ethereum, Solana, and Bitcoin chains, and now Cosmos, Movement, Near, Spark, Starknet, Stellar, and Ton.
  • Via Privy, you can now support yield generation via managed DeFi products using Morpho or Aave.
  • Via Privy, you can now set up advanced policies with wallets to manage subscriptions, scheduled payments, automated portfolio rebalancing, and more.

  We’d love your feedback on everything we announced at Stripe Tour New York. Share your thoughts, questions, and requests.

  You can also read our changelog to learn more about the recent updates we’ve made to Stripe.

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  Stripe

  Stripe launches new products to drive stablecoins and agentic commerce into the mainstream

  Stripe rolls out Open Issuance to let businesses launch customizable stablecoins, adds agentic commerce with AI partnerships, and debuts the Agentic Commerce Protocol for AI agents. The package includes recurring stablecoin payments, enhanced wallets, and 40+ launches across payments and embedded finance.

  With Open Issuance businesses can launch their own stablecoin in days.
  Stripe’s new tools help businesses prepare for agentic commerce and better monetize their AI products.
  Stripe’s 40+ launches at its annual New York showcase have already enabled new product announcements from OpenAI, Phantom, Shopify, and more.

  NEW YORK—Today, programmable financial services company Stripe announced new products to help businesses take advantage of AI and stablecoins to grow their revenue. The updates were part of Stripe Tour New York, the company’s annual product showcase in NYC, with over 40 new products and features launched.

  Announcements included Open Issuance, which empowers businesses to launch and manage their own stablecoins with just a few lines of code, and new solutions for agentic commerce, helping businesses and their customers transact via AI tools and agents.

  “Across stablecoins and AI, Stripe’s role is to pull frontier technology out of the experimental and into the mainstream,” said Will Gaybrick, Stripe’s president, technology and business. “With the advent of stablecoins and AI, we’re at the dawn of a new online economy. And we’re relentlessly focused on channeling its many opportunities to help our customers grow.”

  A better way for businesses to build with stablecoins

  Businesses are adopting stablecoins quickly, with total supply growing 57% in the last 12 months. But by building on coins issued by external providers, they’re unable to reap all the potential benefits. For example, a neobank that sits on large stablecoin dollar deposits doesn’t retain the yield itself. When its customers want to redeem their stablecoins for cash, they’re subject to burn fees.

  The alternative is for a business to launch its own stablecoin, but doing so invites significant operational hurdles: managing reserves, navigating regulatory compliance, and establishing liquidity.

  Stripe is solving this with Open Issuance, a new platform powered by Bridge, the leading stablecoin infrastructure company Stripe acquired at the start of this year. Open Issuance enables any business to launch and manage their own stablecoin with just a few lines of code.

  Businesses can mint and burn coins freely, and customize their reserves to manage the ratio between cash and treasuries and choose their preferred partners. Treasuries are managed by BlackRock, Fidelity Investments, and Superstate. Cash is held by Lead Bank to provide liquidity as necessary.

  To establish liquidity, all new coins are fully interoperable with any others issued via Open Issuance, and Bridge’s orchestration API helps with low cost conversions to virtually any other stablecoin. Crucially, businesses can generate rewards for originating stablecoins on their platform, and use earnings from these rewards to incentivize their customers.

  “If money movement is core to your business, you should build with stablecoins. But don't build on top of someone else's coin,” said Zach Abrams, co-founder and CEO of Bridge. “With Open Issuance, businesses can build on top of stablecoins that they customize and control, so that the benefits of this important technology flow directly to the people and businesses using them.”

  CASH, an open-loop stablecoin designed by Phantom, is the first stablecoin issued via Open Issuance. Recently announced stablecoins like mUSD for Metamask, and USDH, built by Native Markets for Hyperliquid, will also be issued on top of the platform.

  Alongside Open Issuance, Stripe announced a series of product updates that make it easy for businesses to deploy stablecoins for business growth:

  • Businesses can now accept recurring stablecoin payments, and Stripe’s Optimized Checkout Suite now accepts stablecoin payments by default.
  • US businesses with Financial Accounts can now hold stablecoin balances, convert between fiat currencies, spend stablecoin balances with a locally issued card, and send stablecoins to crypto wallets cross-border.

  Infrastructure for the AI economy

  As AI tools become part of everyday life, people aren’t just searching within them—they’re discovering products and services. The next step is to transact inside these tools, with agents completing purchases on behalf of buyers.

  Stripe and OpenAI yesterday released the Agentic Commerce Protocol (ACP)—a new standard that already powers the new Instant Checkout in ChatGPT. ACP establishes a shared language between merchants and AI agents. With a single integration, merchants can sell through AI agents while retaining control over their brand, catalog, fulfillment, and customer relationships. ACP is an open standard: it works across AI agents, and businesses can adopt it even if they don’t process payments with Stripe.

  Today, Stripe announced that it’s also working with early partners including Microsoft Copilot, Anthropic, Perplexity, Vercel, Lovable, Replit, and Manus to test its solutions in real-world settings to help businesses get ready for agentic commerce.

  Beyond ACP, Stripe announced new tools to help AI companies monetize their products. Stripe Billing now makes it simple to run hybrid revenue models that combine subscriptions with usage-based pricing, while a new API will let companies connect to LLM providers and track inference cost changes in real time.

  Stripe Radar is expanding to block ‘friendly fraud’ types, such as the abuse of free trial periods. AI companies see this problem every day: bad actors string together multiple free trials and rack up huge compute bills without ever paying for a service. Stripe Radar can now stop up to 62% of trial fraud at the source, protecting margins without adding friction for legitimate users.

  40+ additional launches across Stripe’s full product suite

  Stripe announced over 40 launches in total today, expanding its payments, revenue, and embedded finance tools. Other announcements included:

  • A new app-to-web payments flow helps businesses seamlessly redirect customers from their iOS app to a mobile checkout page powered by Stripe Checkout. Businesses like Superwall, Voodoo, and Replit are saving up to 90% on payment costs with this new flow.
  • Link, Stripe’s wallet for faster checkouts, now supports Buy-Now-Pay-Later (BNPL) with Klarna.
  • Businesses can now use Stripe Managed Payments, a merchant-of-record solution, for one-time payments. Stripe manages global taxes, fraud prevention, dispute management, fulfillment, and more on businesses' behalf.
  • For businesses selling physical goods, Stripe Tax will support tax collection in 102 countries—up from 40 last year.
  • Stripe Reader S710, Stripe’s newest hardware product, is now globally available, with support for cellular connectivity so users can process payments even without WiFi.
  • AI platforms like Vercel and Replit can now embed Stripe sandboxes directly inside their environments, allowing developers to launch and manage payments and financial services without leaving the platform.
  • Software platforms using Stripe Connect can now offer customers Adaptive Pricing, which localizes checkout prices for 150 markets without additional Stripe fees. Stripe also announced a new integration for Stripe Capital that allows platforms to launch a financing program for their customers in minutes, and Stripe Verified for platforms, enabling them to take more control over risk actions for their customers.

  Read more about the full set of announcements on the Stripe blog.

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• Sep 30, 2025

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  Stripe API by Stripe

  2025-09-30.clover

  Major platform updates streamline payments and compliance across Connect, Elements, Checkout, and Billing. New error codes, enhanced payment methods, synchronous init, branding, and session controls roll out with expanded API capabilities.

  Breaking changes

  Connect enhancements

  • Adds specific descriptions for risk requirements during legal, PEP, and sanctions review
  • Connect
  • Adds a new error code for business type validations
  • Connect
  • Adds account balance and payout settings with the Balance Settings API
  • Connect + 1 more

  Elements enhancements

  • Updates default behavior for saved payment methods in Elements with Checkout Sessions
  • Elements
  • Prevents reusing client secrets for Intents in certain states when initializing Elements
  • Elements
  • Removes deprecated messaging and bank elements that were replaced
  • Elements

  Checkout enhancements

  • Removes postal code for card payments in certain regions on Checkout and Payment Element
  • Checkout + 1 more
  • Removes currency conversion field from Checkout Sessions
  • Checkout
  • Removes support for the redirectToCheckout method
  • Checkout
  • Updates initCheckout to be synchronous
  • Checkout + 1 more
  • Adds support for collecting business and individual names in Checkout Sessions
  • Checkout
  • Adds the ability to exclude payment methods from Checkout Sessions and Payment Intents
  • Checkout + 1 more
  • Adds support for setting the capture method for specific payment methods with the Checkout Sessions API
  • Checkout
  • Adds support for configuring branding settings for Checkout Sessions
  • Checkout
  • Enables specifying units of measurement for Products
  • Checkout

  Billing enhancements

  • Removes iterations parameter for subscription schedules
  • Billing
  • Promotion Codes now reference Coupons using a polymorphic field for promot...

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