Stripe

Stripe is the leading financial infrastructure platform for the internet, providing comprehensive APIs and services that enable businesses of all sizes to accept payments, manage subscriptions, prevent fraud, issue cards, and access a wide range of financial services through developer-friendly interfaces. Founded in 2010 by Patrick and John Collison and headquartered in San Francisco, California, Stripe processes hundreds of billions of dollars in payments annually for millions of businesses across 195 countries.

Stripe Payments provides a complete payment acceptance solution supporting credit and debit cards, digital wallets (Apple Pay, Google Pay), bank transfers, buy-now-pay-later options (Klarna, Afterpay), and more than 100 local payment methods worldwide through a single unified integration. Stripe's client libraries for JavaScript, Python, Ruby, PHP, Java, Go, and .NET make it straightforward for developers to integrate payment acceptance into web and mobile applications with robust error handling, retry logic, and PCI compliance built in.

Stripe Billing provides comprehensive subscription management capabilities including flexible pricing models (per-seat, usage-based, tiered, and hybrid), trial management, proration calculations, automatic invoice generation, and dunning workflows that automatically retry failed payments and notify customers of payment issues. Stripe's revenue recognition module automates the calculation and reporting of deferred revenue according to ASC 606 standards.

Stripe Radar provides machine learning-powered fraud prevention that analyzes hundreds of signals for every transaction to distinguish legitimate customers from fraudsters. Radar's models are continuously updated using signals from Stripe's global payment network, providing fraud detection accuracy that benefits from the collective intelligence of all businesses on the Stripe platform while allowing individual businesses to customize rules for their specific risk tolerance.

Stripe Connect is the platform for marketplaces and SaaS businesses that need to route payments between multiple parties. Connect handles onboarding of connected accounts, compliance verification, payment splitting, payouts to multiple recipients, and cross-border currency conversion, enabling platforms to monetize transactions and pay out sellers or service providers without building their own payment infrastructure.