Stripe Release Notes

We hear consistently from our SMB customers that access to financing is a primary obstacle to growth, and that they’re not getting what they need from traditional lenders. We launched Stripe Capital to help fill this gap. Now, to quantify the impact, we completed a two-year randomized trial that directly compared Stripe businesses that accepted Capital financing to similar Stripe businesses that didn’t.

We found that businesses that accepted financing saw revenue on Stripe grow 27 percentage points faster than their peers, on average. We also found that for some businesses, the impact was even greater: the top decile of businesses, by growth rate improvement, saw a 211 percentage point average boost as a result of accepting financing.

Read on to learn how we proved the causal impact of financing on business growth, which kinds of businesses are most likely to see strong results, and how the emergence of nontraditional lenders is poised to increase global GDP.

Proving causation in two distinct time periods

Though it’s intuitive that accepting financing would spur growth, this causal relationship is difficult to prove: the same factors that make a business more likely to receive financing (good credit, high revenue, business longevity) also make it more likely to succeed, with or without an injection of capital. The scale of Capital—in 2025 alone, we provided financing to 76,000 businesses—made it possible to solve for these confounds. We designed a randomized control trial that compared the subsequent on-Stripe revenues of businesses that accepted financing to businesses on Stripe with similar credit, revenue, and longevity profiles that did not have access to Capital.

We ran the experiment twice to confirm that the growth effect was persistent. Our first trial ran from 2020–2021, and we found a striking outcome: an average boost of 114 percentage points to growth rates from financing. But it was likely that at least some of the divergence in growth trajectories was driven by COVID-19-era macroeconomic conditions: low inflation, large swings in GDP growth, and a trend to more ecommerce. Our more recent study—which ran from 2023–2025—took place in a very different economic climate, and found that the boost to growth rates remained strong at 27 percentage points on average.

An outsized impact on small businesses and those with forward-looking plans for their financing

Though we saw a strong average effect on growth rate, results varied greatly. Which characteristics made a business more likely to succeed with financing than others? Here’s what we found.

Financing drives significant growth for the smallest businesses on Stripe

For businesses processing between $3,000 and $76,000 annually on Stripe, Capital drove a 33 to 43 percentage point average boost to their growth rates compared to peers. Within this bucket, we could isolate an even stronger effect if we looked at businesses processing less than $52,000 annually on Stripe that also had top-tier business credit scores: they saw a 94 to 106 percentage point average boost to their growth rates.

These very small businesses are often the ones that struggle the most to secure timely financing from traditional banks. As one Capital recipient said, “Traditional banks just don’t understand how difficult they make the loan process” by requiring “days of completing endless application forms and providing extensive supporting documentation.” Many small business owners don’t have the time or resources to successfully complete these applications, and decline rates are nearly 50%—even for established businesses operating over 10 years.

With Capital, our more complete view of small businesses’ payment trends lets us speed up the process and reach a broader swath of SMBs. Stripe Capital can get financing to an SMB within 1 to 2 days on average, compared to 14 to 40 days at traditional banks. And our data shows that even for small businesses with low or unavailable credit scores, financing sparks growth. After accepting Capital offers, these Stripe businesses saw a boost of 11 to 18 percentage points to their growth rates on average compared to their peers.

Businesses that use financing for forward-looking projects saw higher growth rates

We complemented our experiment with a follow-up survey of around 900 Stripe businesses that participated, and we found that a business’s plans for using its new funding were strongly correlated with how much its growth rates improved.

Among SMBs with top-tier credit scores, those that reported using their financing for growth-oriented goals (selling new products, starting new projects, scaling up the business) saw boosts to their growth rates of 70 to 95 percentage points on average.

When we talk to businesses using Capital, we can see this effect in action: a new initiative, followed by significant growth. Luis Mayendia, the cofounder and CEO of the parking reservation company MyPark, shared that he used Capital to “scale the business by building and deploying additional machines, which started generating revenue immediately.” For Richard Blakely, the cofounder and CEO of Xirsys, financing through Capital allowed the TURN infrastructure company to expand to new markets: “We used the advance to set up servers in China, India, and Japan—allowing us to reach customers all over the world. Since then, we’ve seen our annual revenue more than double.”

Looking forward

The World Bank estimates that in developing economies, there is a $5.7 trillion gap between funding sought and obtained by SMBs. Our findings from Capital suggest that nontraditional lenders can play a significant role in growing the global GDP by closing this gap.

When financing programs are integrated with the tools SMB owners already use to run their operations, access broadens in ways that go beyond greater eligibility. Stripe Capital makes offers proactively, based on payment processing data, and this can encourage SMB owners to pursue growth opportunities they might not otherwise have considered. As one business owner told us, “I am being cautious about growth—maybe a little too much, but this loan was the right size and helped me take a little risk that I probably would not have taken.”

Platforms and marketplaces are well-positioned to do the same for the SMBs they serve, and they will be key allies in closing the funding gap. These providers make it possible for many SMB owners and sole proprietors to get started in the first place, and they see their impact on SMBs grow considerably when financing is part of the picture.

“Stripe Capital is especially valuable in the current environment—where credit card borrowing limits and lines of credit are being cut. For some, it means filling a short-term cash flow gap; for others, it unlocks the ability to invest in new employees, equipment, or marketing,” said Laura Collinson, VP and GM of payments and fintech at Jobber.

If you’re a business owner, learn more about how Stripe Capital could work for you.

If your business is a platform and you’d like to start your own financing program, learn more about how to get started with Stripe Capital for platforms.

Stripe Capital offers financing types that include loans and merchant cash advances. All financing requests are subject to a final review prior to approval. In the US, Stripe Capital loans are issued by Celtic Bank, and YouLend provides Stripe Capital merchant cash advances. In the UK, France, and Germany, Stripe Capital loans and merchant cash advances are provided by YouLend and its affiliates.

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Agentic Commerce Suite rollout

In September, we announced the Agentic Commerce Protocol (ACP), the first live standard that enables programmatic commerce flows between AI agents and businesses. While ACP creates industry standards for agentic transactions, your business still faces a heavy integration lift to participate in agentic commerce. You have to build and maintain public ACP endpoints with proper versioning and access controls, navigate each agent’s unique catalog specifications and API requirements, and integrate your existing commerce stack with AI agent workflows. This can take up to six months for every new AI agent you support.

Today, we’re introducing the Agentic Commerce Suite: a new solution that gets your business agent-ready. It enables you to sell on AI agents more easily by making your products discoverable, simplifying your checkout, and allowing you to accept agentic payments via a single integration.

To get started, you simply connect your product catalog to Stripe and then, in the Stripe Dashboard, select which AI agents you’d like to sell through. From there, Stripe helps with discovery, checkout, payments, and fraud detection, and will send you order events so you can continue using your existing commerce stack. All components of the Agentic Commerce Suite are modular by default, so you can pick and choose what best meets the needs of your business.

Leading brands are already onboarding to the Agentic Commerce Suite, such as URBN (including Anthropologie, Free People, and Urban Outfitters), Etsy, Ashley Furniture, Coach, Kate Spade, Nectar, Revolve, Halara, and Abt Electronics.

“At Etsy, our responsibility is to ensure that our sellers’ work can be discovered wherever buyers choose to shop. Stripe’s Agentic Commerce Suite offers an integration solution that makes this easier than ever, enabling us to surface sellers’ unique items to buyers across platforms,” said Rafe Colburn, chief product and technology officer at Etsy.

The Agentic Commerce Suite will be rolling out to businesses via the Stripe Dashboard and Stripe APIs; through ecommerce platforms such as Wix, WooCommerce, BigCommerce, Squarespace, and commercetools; and via omnichannel commerce platforms such as Akeneo, Cymbio, Logicbroker, Mirakl, Pipe17, and Rithum. If you’re interested in using the Agentic Commerce Suite, join the waitlist.

“Agentic shopping is transforming how people discover and buy products. With Stripe’s Agentic Commerce Suite, Squarespace merchants will be able to effortlessly bring their products into AI agents, unlocking a new way to grow their businesses,” said Dan Chandre, senior vice president of commercial at Squarespace.

Here’s a closer look at how the Agentic Commerce Suite works.

Make your products discoverable by AI agents

One of the most common questions we hear from businesses today is simple: “How do I get discovered by AI agents?” Businesses want to be discovered through new agentic channels, but they don’t want to build custom capabilities for each agent, maintain dozens of bespoke catalogs and APIs, or manage ongoing changes as standards evolve.

The Agentic Commerce Suite solves this by giving you a dedicated hosted ACP endpoint, allowing you to share near real-time product, price, and availability information with AI agents—with minimal changes required to your existing systems. You can upload your product catalog directly to Stripe or connect your existing product catalog from leading product syndicators. We can then syndicate your product information to each AI agent, and with one click, you can automatically start taking payments across any supported agent.

Simplify your checkout and retain control of your customer experience

Once your products are discoverable, you then need to make sure your existing commerce stack can support taxes, shipping calculations, order management, and fulfillment for agentic transactions. This would require you to build and maintain a complex interoperability layer between your systems and individual AI agents.

The Agentic Commerce Suite is powered by Stripe’s Checkout Sessions API, which helps with aspects of the checkout, including shipping and taxes. You can choose to have Stripe manage this on your behalf via built-in Stripe products, such as Stripe Tax, or you can use your existing commerce stack to upload tax codes, manage near real-time inventory checks, and set dynamic shipping rates—with minimal changes to your systems.

This flexibility extends post-purchase. Once a customer completes an agentic transaction, you simply use your existing in-house order and fulfillment process. As the merchant of record, you also retain all control over customer relationships, including how refunds and disputes are managed.

Accept agentic payments and protect against new fraud patterns

Agentic commerce is reshaping fraud detection. Fraud signals tuned to human traffic are becoming outdated; AI agents lack human variability and can be misflagged as fraudulent. There’s also the possibility for new fraud patterns, as agents can be manipulated by bad actors to place risky orders or bypass normal guardrails. Without the proper systems in place, businesses accepting agentic payments spend more resources fighting fraud, leading to lost revenue, increased chargebacks, and eroded customer trust.

To help protect businesses, the Agentic Commerce Suite handles and processes Shared Payment Tokens (SPTs), a new payment primitive for agentic commerce. AI agents use SPTs to initiate payments using a buyer’s saved payment method without exposing payment credentials. Every token can be scoped to a specific seller, bounded by time and amount, and observable throughout its lifecycle to prevent unauthorized agent actions and reduce the likelihood of disputes.

When used on Stripe, SPTs can also be powered by Stripe Radar to relay the underlying risk signals—including the likelihood of a fraudulent dispute, card testing, a stolen card, a card issuer decline, and other fraud signals—using transaction and payment method details that help differentiate between high-intent agents and low-trust automated bots.

How to get started

The Agentic Commerce Suite will help significantly expand the number of businesses that can start selling on AI agents. Sign up for the waitlist and read our integration guides to learn more.

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Stripe launches the Agentic Commerce Suite

Stripe, the programmable financial services company, today introduced the Agentic Commerce Suite, a new solution to help businesses get ready to sell through multiple AI agents. Businesses including Coach, Kate Spade, URBN (including Anthropologie, Free People, and Urban Outfitters), Revolve, Ashley Furniture, Halara, ABT Electronics, and Nectar, along with ecommerce platforms such as Squarespace, Wix, Etsy, WooCommerce, commercetools, and BigCommerce, will use Agentic Commerce Suite to capitalize on the new paradigm of agentic commerce.

Stripe recently launched the Agentic Commerce Protocol (ACP), an open standard for agentic commerce. While ACP provides shared technical language between AI agents and businesses, real-world fragmentation remains: every AI agent has its own integration requirements and onboarding flows. Agentic Commerce Suite removes that complexity with a low-code solution for businesses, letting them sell across AI agents with a single integration. Agentic Commerce Suite also handles Shared Payment Tokens, which let AI agents securely pass a buyer’s payment credentials to businesses for processing payments.

“AI is redefining how people discover and shop online, and at Wix we’re focused on giving our users the most powerful tools to stay ahead,” said Amit Sagiv and Volodymyr Tsukur, co-heads of Wix Payments at Wix. “By integrating Stripe’s Agentic Commerce Suite, we’re providing merchants a simple, seamless way to tap into agentic commerce as it emerges, unlocking new opportunities to reach customers, drive conversion, and fuel sustainable growth.”

“At Etsy, our responsibility is to ensure that our sellers’ work can be discovered wherever buyers choose to shop. Stripe’s Agentic Commerce Suite offers an integration solution that makes this easier than ever, enabling us to surface sellers’ unique items to buyers across platforms,” said Rafe Colburn, chief product and technology officer of Etsy.

“Agentic shopping is transforming how people discover and buy products. With Stripe’s Agentic Commerce Suite, Squarespace merchants will be able to effortlessly bring their products into AI agents, unlocking a new way to grow their businesses,” said Dan Chandre, senior vice president of commercial of Squarespace.

Stripe is building the economic infrastructure for AI. Today’s launch of the Agentic Commerce Suite builds on a series of recent announcements, all aimed at helping businesses thrive in the AI-enabled commerce era.

To learn more about the Agentic Commerce Suite, see the blog here.

Partners and platforms

• Coach
• Kate Spade
• URBN (including Anthropologie, Free People, and Urban Outfitters)
• Revolve
• Ashley Furniture
• Halara
• ABT Electronics
• Nectar
• Squarespace
• Wix
• Etsy
• WooCommerce
• commercetools
• BigCommerce

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Agentic Commerce Suite Announcement

SAN FRANCISCO AND DUBLIN—Stripe, the programmable financial services company, today introduced the Agentic Commerce Suite, a new solution to help businesses get ready to sell through multiple AI agents. Businesses including Coach, Kate Spade, URBN (including Anthropologie, Free People, and Urban Outfitters), Revolve, Ashley Furniture, Halara, ABT Electronics, and Nectar, along with ecommerce platforms such as Squarespace, Wix, Etsy, WooCommerce, commercetools, and BigCommerce, will use Agentic Commerce Suite to capitalize on the new paradigm of agentic commerce.

Stripe recently launched the Agentic Commerce Protocol (ACP), an open standard for agentic commerce. While ACP provides shared technical language between AI agents and businesses, real-world fragmentation remains: every AI agent has its own integration requirements and onboarding flows. Agentic Commerce Suite removes that complexity with a low-code solution for businesses, letting them sell across AI agents with a single integration. Agentic Commerce Suite also handles Shared Payment Tokens, which let AI agents securely pass a buyer’s payment credentials to businesses for processing payments.

“AI is redefining how people discover and shop online, and at Wix we’re focused on giving our users the most powerful tools to stay ahead,” said Amit Sagiv and Volodymyr Tsukur, co-heads of Wix Payments at Wix. “By integrating Stripe’s Agentic Commerce Suite, we’re providing merchants a simple, seamless way to tap into agentic commerce as it emerges, unlocking new opportunities to reach customers, drive conversion, and fuel sustainable growth.”

“At Etsy, our responsibility is to ensure that our sellers’ work can be discovered wherever buyers choose to shop. Stripe’s Agentic Commerce Suite offers an integration solution that makes this easier than ever, enabling us to surface sellers’ unique items to buyers across platforms,” said Rafe Colburn, chief product and technology officer of Etsy.

“Agentic shopping is transforming how people discover and buy products. With Stripe’s Agentic Commerce Suite, Squarespace merchants will be able to effortlessly bring their products into AI agents, unlocking a new way to grow their businesses,” said Dan Chandre, senior vice president of commercial of Squarespace.

Stripe is building the economic infrastructure for AI. Today’s launch of the Agentic Commerce Suite builds on a series of recent announcements, all aimed at helping businesses thrive in the AI-enabled commerce era.

To learn more about the Agentic Commerce Suite, see the blog post.

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Embedded components adoption and usage

Last year, we introduced Stripe Connect embedded components: prebuilt, production-ready UI modules that platforms can drop in with minimal code. The interfaces provide platforms with plug-and-play payments and finance workflows, from onboarding customers and supporting localized payment methods to helping users manage disputes and receive payouts.

Active users of embedded components more than tripled in the past year, including among platforms such as Squarespace, DoorDash, and FreshBooks. To guide what we build next, we examined real usage data for SaaS platforms across sectors and industries.

That analysis revealed surprising patterns about how different platform types approach payments integration, how they’re customizing their workflows, and where they’re getting the most value.

Large platforms are 3x more likely than startup platforms to adopt embedded components

We initially introduced embedded components to meet the needs of startup platforms, which often face pressure to build payments and finance features quickly despite limited resources. But while startup platforms represent the majority of embedded components users, we found that large platforms (those with more than 1,000 employees or over $1 billion in revenue) are nearly 3 times more likely to adopt embedded components on a per-platform basis.

They’re also integrating more broadly: larger platforms use a median of three embedded components, compared to two for startup platforms.

SaaS platforms tell us the reason for adoption is complexity at scale. As businesses expand internationally, compliance and localization requirements compound. With embedded components, platforms can manage that complexity without needing to take on custom builds.

FreshBooks, for example, uses the account onboarding component to onboard customers in more than 160 countries. The UI automatically adjusts to each user’s country and language, minimizing the need for localized flows or regional compliance work.

Large platforms also tell us they need to continuously ship new features to stay competitive. The auto repair platform Tekmetric, which serves more than 12,000 auto shops nationwide, began offering Stripe Capital financing through embedded components immediately after updating its Connect implementation earlier this year. And the creator platform Kajabi, which powers more than 100,000 businesses, used embedded components to launch a Xero accounting integration in 6 weeks instead of the typical 6 to 12 months.

Platforms serving in-person industries lead embedded component adoption

When we introduced embedded components in 2024, we anticipated that platforms serving primarily online businesses would be the main users. Instead, adoption is strongest among platforms serving largely in-person businesses. Platforms serving sectors such as automotive repair implement embedded components at more than twice the median rate.

Brick-and-mortar businesses face unique challenges: they tend to have lower margins and higher operating expenses than online-only businesses. Many are also newer to accepting online payments and need easy-to-use solutions. Embedded components allow platforms serving these businesses to offer streamlined payments experiences by integrating workflows directly into their own dashboards. And because these components are optimized by Stripe data from millions of businesses, platforms can deliver robust user experiences that would be difficult to build independently.

In addition, embedded components enable platforms to speed up onboarding, a boon in industries where that process is notoriously slow. The barbershop booking app theCut, for example, uses embedded onboarding components to help businesses accept both in-person and online payments quickly. The hospitality platform Cloudbeds was able to cut the time it takes to bring hotels live from weeks to hours using the onboarding component.

Platforms serving in-person industries are also more likely to offer feature-rich components that are particularly valuable for cash-strapped merchants—not just payments, but advanced capabilities such as extending financing to their customers through Stripe Capital. Jobber, the software platform for home services businesses, saw a 100% increase in Capital originations after implementation.

71% of platforms customize embedded components for brand consistency

A consistent visual language builds trust, especially when users are handling payments, identity verification, and other sensitive workflows. Embedded components are giving platforms that continuity and control.

Most platforms are using embedded components to reinforce their brand identity. Across all implementations, 71% use Stripe’s theming features to align components with their own design systems—from notification banners to user dashboards.

The majority of platforms also apply brand-specific color palettes, rather than relying on defaults.

If your business is an established brand, new payments capabilities can be easily integrated into your existing visual identity.

Expanding embedded components offerings

Based on the traction we’re seeing with embedded components and feedback from users, we’re continuing to expand the library. Recent additions include:

Platforms can boost user engagement and generate new revenue streams by promoting financial products such as Instant Payouts and Capital directly within their dashboards.

With the disputes embedded components, platforms can give their users agency to manage their own payment disputes, reducing operational workload.

For a full list of embedded components available, check out our docs, explore this interactive demo, or get in touch.

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Set reserves on user funds with Radar for platforms

Platforms such as FreshBooks, Shopify, and Jobber use Radar for platforms to prevent, detect, and mitigate fraud and insolvency risk. With AI-powered risk scores trained on over $1.4 trillion in payments volume, a custom rules engine, and powerful actions to restrict fraudulent transactions and suspicious businesses, Radar for platforms allows you to use more of Stripe’s data to mitigate financial risk.

Now we’re going further. Radar for platforms allows you to safeguard your business against potential losses by setting temporary reserves on user funds, either programmatically or via the Stripe Dashboard. You can customize how you place reserves to best mitigate risk for your business, choosing between fixed amounts or rolling reserves.

For example, you can write a rule to detect businesses with elevated risk scores then set ongoing reserves on those accounts, so you’re automatically protected if they experience a sudden spike in disputes. Or, if a business processes a large transaction with an unusually long delivery time, you could create a hold to reserve funds from that transaction and release them when the return window closes.

Access new risk and compliance controls for trusted platforms

Programmatically blocking bad actors with Radar for platforms is extremely effective, but you know your users best—and sometimes you need to be able to personalize risk thresholds based on that context.

Stripe Verified for platforms does exactly that by giving trusted platforms on Stripe specialized controls to customize our risk and compliance systems. Verified platforms can now extend due dates for eligible risk and compliance tasks their users encounter—directly from the Stripe Dashboard. This gives businesses more time to complete important requests and minimize potential disruptions.

Verified platforms can also access benefits customized to their unique business model or industry. For example, we can offer platforms for property managers higher ACH limits, because we know that’s what landlords use to collect rent. This ensures that these platforms are able to smoothly process ACH payments during peak times, such as the first of the month, minimizing unnecessary failed transactions for their users.

Customize the information you collect during onboarding with our updated embedded component

Global onboarding and verification workflows require significant engineering resources, as requirements vary by region and change with new regulations. This complexity can prevent platforms from capturing millions in potential international revenue.

You can now use our no-code account onboarding component to configure exactly what information you collect during onboarding. This flexibility allows you to create targeted onboarding and remediation workflows for complex requirements, such as proof of liveness in Singapore or document uploads in Canada. It also decreases time investment for engineering by 90%, reducing implementation work from a typical 40 weeks to fewer than 4, as these components automatically update.

What’s next

We will continue expanding our risk signals beyond fraud, giving you greater insight into the financial exposure attributed to businesses on your platform. We plan to expand access to Verified for additional trusted platforms on Stripe, and give you more controls to customize the information you collect from your users during onboarding.

Contact us if you want to learn more about our risk and compliance solutions.

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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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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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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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