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Stripe is a software platform for online payment processing based in San Francisco, California. The company handles billions of dollars a year for companies worldwide. Stripe focuses primarily on start-ups and also offers bitcoins in addition to all current payment methods.
In 2018, Stripe started issuing credit cards. The cards are designed to help businesses to make payments and control expenses.
Stripe’s point of sale solution, Stripe Terminal, was launched in September 2018. It is designed for fast-growing online businesses that sell products and services in-person as well as online.
Stripe supports all international payment methods for e-commerce. Whether the customer wants to build a marketplace, an online store, a mobile app or a subscription service. Stripe provides a customizable product to its customers, while minimizing the effort as much as possible. For this purpose, combinable APIs can be integrated that can withstand the requirements of any size and are designed for maximum availability.
Payments should be made in less than 10 minutes. Stripe process payments from all credit and debit cards in more than 135 currencies worldwide. 3D Secure can be used for each payment. It also supports bank transfers, direct debits, local wallets, and digital currencies. These include, for example, Bancontact, Giropay, iDEAL, SEPA Direct Debit, IMMEDIATE, Alipay and, more recently, the WeChat Pay beta. Stripe extends the software platform each month with new functions. Stripe users always have early access to the innovations of the payment industry.
Stripe process payments for more than 100,000 companies from various industries in over 100 countries. In addition to its headquarters in San Francisco, Stripe has nine international offices working to build a modern platform for innovative companies.
Stripe supports all popular shop systems. These include Magento, Shopify, WordPress, Drupal, Shopware and LemonStand.
By using client-side encryption through Stripe or the IOS and Android SDKs, the merchant automatically complies with PCI DSS requirements. In addition, the dealer saves risks in the integration, as sensitive information is only transmitted to Stripe.
As already mentioned, the Fintech company has more than 100,000 customers and serves companies in the areas of e-commerce, on-demand, software as a service, non-profit organizations and payments for marketplaces. Reference customers include Doodle, UNICEF, OpenTable and Deliveroo.
Stripe offers an autopilot for subscriptions. Customers can be categorized into various subscription models, and Stripe then automatically process payments. If a change occurs on the part of a customer in the middle of the month, Stripe automatically calculates the resulting claims. These subscriptions are always consumer-based, user-oriented, can be expanded as required, and can also be completed several times via one person.
Platforms and marketplaces use Stripe Connect to receive funds and pay them back to third parties. Connect offers opportunities to map virtually any business model. This includes, in addition to on-demand shops and e-commerce, tourism, crowdfunding and events. With Connect, the trader is supported in account creation, revenue and expense management, reporting and general platform processes and can focus exclusively on his strategy. This allows for faster expansion into new markets and the introduction of profitable products.
The company also offers a prepayment form, Checkout. Checkout is browser-based and device-wide, supports up-to-date payment methods, and is available in twelve languages. Traders have the choice of whether they want to design this for themselves or take it from Stripe. Map information can be stored so that customers can pay with just one click.
Merchants can operate and configure their Stripe account through Stripe Dashboard, a feature-rich user interface. It can notably be used to manage payments and refunds, respond to disputes, monitor integration. The Dashboard homepage provides useful information about the account activity, including a wide range of analytics and real time charts that provide performance insight, and recent activity that may require an action. Stripe Dashboard can be access on a computer or through the Stripe Dashboard app.
Stripes offers two pricing models, Pay As You Go and Enterprise. The Pay As You Go pricing models has no setup or monthly fees. Transaction fees vary depending on which country the merchant comes from and the payment method. In Europe, each debit or credit card transaction incurs a 1.4% + 0.25€ fee for European cards, or a 2.9% + 0.25€ fee for non-European cards. In the United States, this transaction fee is 2.9% + 0.30$ USD. Other payment methods each have a specific transaction cost, for example, SEPA Direct Debit transfers cost 0.30€. Disputes and chargebacks can also cause additional fees. Additionally, merchants can choose to add further Stripe services to their accounts for an extra charge.