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Payments

Stripe Engineering Blog

29 articles on EngBrief

Stripe Engineering reveals how the company builds the financial infrastructure that powers the internet. Posts cover payment systems design, API architecture, distributed databases, Ruby and JVM performance, fraud detection with machine learning, and the challenges of processing billions of dollars in transactions reliably.

PaymentsAPI DesignDistributed SystemsFraud Detection
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Latest Articles

Stripe12d ago

Analyzing the evidence that helps businesses win “product not received” disputes

Here's a concise summary of the blog post in 2-3 sentences: Businesses submitting delivery confirmation and evidence after delivery confirmation saw significant increases in win rates (44% and 27%, respectively) in disputes related to "product not received." For digital goods, providing evidence of digital activity and usage logs, as well as service documentation, can improve win rates. Stripe's Smart Disputes tool automates the creation of tailored evidence packets for disputes, applying these best practices and helping businesses save time and recover revenue.

PaymentsInfrastructure
1 min
StripeJun 23, 2026

Four travel and hospitality trends from HITEC 2026

Here is a 2-3 sentence summary of the engineering blog post "Four travel and hospitality trends from HITEC 2026": The hospitality industry is experiencing a significant shift from relying on traditional search engines to online travel agencies (OTAs) for bookings, as AI-powered answers become the new norm, with over 65% of Google searches triggering an AI Overview. The industry is also facing issues with data fragmentation and lack of modern financial infrastructure, which is hindering the adoption of AI-powered solutions. As a result, hotels are struggling to provide seamless payment experiences, which is costing them significant revenue, and are shifting focus towards developing modern checkout experiences that combine AI-driven discoverability with accurate real-time inventory.

PaymentsInfrastructure
1 min
StripeJun 18, 2026

What Link data tells us about AI spending

Stripe analyzed their 250 million customer base and found that Link users' AI spending increased significantly, with the top 10% seeing a near doubling of monthly spending from $183 to $359 in just three months. Customers are also investing heavily in AI app-builder platforms, with top 10% spending 5x more monthly on platforms like Replit and Lovable compared to January 2025. As AI grows in capabilities, Link users' spending on agents is set to increase, driving demand for a wallet solution that enables secure transactions between agents and businesses.

PaymentsInfrastructure
1 min
StripeJun 11, 2026

Stripe Projects adds new agent integrations, more providers, and custom developer controls

Stripe Projects has expanded its capabilities to support agent integrations, provider growth, and developer controls. New agent integrations with Hermes, Factory Droids, and Warp enable persistent collaboration and infrastructure provisioning. The service now connects to 16 new providers, including Metronome and Wix, allowing agents to build live products. With these updates, developers gain more control over agent provisioning, including a unified view of provider spend, custom spend limits, and named environments to keep builds contained. Platforms can also natively provision services and set up infrastructure on behalf of developers.

PaymentsInfrastructure
1 min
StripeJun 4, 2026

Rethinking risk in the age of AI

Join senior risk and payments leaders in Seattle to explore how AI is reshaping fraud strategy. Seats are limited.

PaymentsInfrastructure
1 min
StripeJun 4, 2026

The future of agentic commerce is here

Explore how AI agents are transforming commerce at Stripe’s Agentic Commerce Next roadshow. Reserve your spot in Seattle.

PaymentsInfrastructure
1 min
StripeJun 4, 2026

New ways to turn global demand into revenue

Here is a 3-sentence summary of the blog post: Stripe introduced several new products and capabilities to help businesses turn global demand into revenue, addressing cross-border challenges such as localized customer experience, payment performance, and tax and regulatory compliance. The company's Checkout Studio allows businesses to tailor their checkouts to local customers, and Adaptive Pricing uses AI to display prices in local currencies, leading to significant increases in conversion and revenue. Additionally, Stripe's Treasury service enables businesses to store, convert, and send money across multiple currencies and stablecoins, and its Managed Payments solution helps businesses navigate tax and regulatory complexities, automate compliance, and expand globally.

PaymentsInfrastructure
1 min
StripeJun 3, 2026

Helping businesses optimize network costs with the Visa Digital Commerce Authentication Program (DCAP)

Stripe's engineering team helped businesses optimize network costs with Visa's Digital Commerce Authentication Program (DCAP) by developing a dynamic approach to transaction authentication, leveraging transaction-level intelligence to minimize the impact on the customer experience. This allowed Stripe businesses to capture $18.4 million in annualized network cost savings from DCAP since its launch in April. By automatically evaluating cost savings, conversion impact, and fraud risk, Stripe's Authorization Boost feature optimizes authentication decisions for businesses participating in DCAP.

PaymentsInfrastructure
1 min
StripeMay 28, 2026

Solo founding is at an all-time high: Top performers have these traits in common

Top solo founders launching through Stripe Atlas have distinct traits, including building AI-native products, selling globally from launch, focusing on business-to-business (B2B) markets, and retaining customers early on. These factors contribute to a nearly 20% increase in revenue at the top decile of solo-founded startups over a year, compared to a 23% decrease in median revenue. By two years, AI-native solo startups generate almost twice the revenue of other solo-founded startups.

PaymentsInfrastructure
1 min
StripeMay 27, 2026

Expanding Stripe Radar to protect more of your business

Here's a 3-sentence summary of the blog post: Stripe has expanded its AI-powered fraud prevention tool, Radar, to provide more comprehensive protection for businesses across various payment methods, including new signals to detect and prevent complex fraud types. Radar now offers global payment coverage, multiprocessor signals, and custom models to help businesses evaluate and mitigate merchant risk more effectively. The updated tool has already shown success in reducing suspected fraud by 71% for some businesses, and provides additional tools to fight disputes with smarter evidence and automated libraries.

PaymentsInfrastructure
1 min
StripeMay 11, 2026

Five vertical SaaS insights from Sessions 2026

Here are the five insights from the Stripe Sessions 2026 blog post: 1. **Expanding beyond software is key to differentiation**: Vertical SaaS platforms that embed themselves into customers' day-to-day operations through financial services like payments and lending can stay ahead of AI commoditization. Platforms like Toast and GlossGenius have seen significant increases in adoption and revenue growth by making payments a priority. 2. **Deepening operations integration builds a stronger moat**: By offering a multiproduct strategy, platforms can create a stronger financial moat that makes them harder to displace. Moxie's compliance tools and Slice's wholesale rates on pizza boxes are examples of services that are difficult for new AI-native competitors to offer. 3. **Vertical SaaS is finding success offering its own AI products**: 87% of SaaS platforms surveyed believe AI is an opportunity, and many are moving from experimentation to monetization. Platforms like Toast IQ, Quipli, and Clio are adapting to customer

PaymentsInfrastructure
1 min
StripeApr 29, 2026

Everything we announced at Sessions 2026

Stripe announced 288 new products and features at Sessions 2026, expanding on their existing payment infrastructure. Key updates include the Agentic Commerce Suite, which enables selling through AI agents using the Universal Commerce Protocol (UCP) and Machine Payments Protocol (MPP), and the optimized Checkout Suite, which introduces Checkout studio and an embedded form. Other significant announcements include the Stripe Reader T600, a countertop device with custom app support, and upgrades to Radar, Stripe's anti-fraud solution, which now includes free trial abuse prevention, bot abuse prevention, and additional payment signals for early fraud warnings. In the optimization of payments infrastructure, Stripe announced the ability to use Managed Payments as a merchant of record solution, handling indirect tax compliance, fraud prevention, and customer support for digital businesses. The company also previewed a new checkout experience, Checkout studio, which uses AI to help configure and optimize checkouts. Additionally, the Payments Intelligence Suite was previewed, which provides A/B testing for Authorization Boost,

PaymentsInfrastructure
1 min
StripeApr 29, 2026

Giving agents the ability to pay

Stripe has introduced Link's wallet for agents, a payment infrastructure that allows agents to make purchases on behalf of consumers. This solution, built on top of Stripe's Issuing for agents, gives agents programmatic access to Link and enables them to receive one-time-use cards or Shared Payment Tokens (SPTs) to complete transactions. Consumers can review and approve each spend request from the agent, ensuring secure and authorized payments.

PaymentsInfrastructure
1 min
StripeApr 7, 2026

How agents, digital wallets, and trust are rewriting checkout

Here is a 3-sentence summary of the key technical decisions, problems solved, and outcomes: Businesses are shifting their checkout strategies to accommodate increasingly mobile and globally diverse customers, with 65% of transactions under $50 now happening on mobile. To optimize checkout, companies must consider regional preferences for digital wallets, local payment methods, and other geographic-specific payment options, with some markets seeing up to 46% increase in conversion rates with localized checkout. As AI-assisted shopping and agents become more prevalent, checkout must adapt to verify identity, intent, and authorization, balancing security and conversion, with Stripe's AI-driven interventions reportedly reducing fraud by 30% without lowering conversion.

PaymentsInfrastructure
1 min
StripeApr 2, 2026

Insights from Shoptalk 2026: How agents are changing retail

Here is a 2-3 sentence summary of the blog post: Retailers at Shoptalk 2026 discussed the growing importance of agentic commerce, where conversational assistants drive product discovery and conversion. While many retailers lack a standard framework for agentic commerce, some notable brands, including Sephora and Coach, are already using chatbots to personalize recommendations and engage customers. To succeed in this space, retailers must balance technical considerations with a focus on building strong brand affinity and customer trust.

PaymentsInfrastructure
1 min
StripeMar 24, 2026

How Stripe Radar helps prevent free trial abuse

Here's a summary of the blog post in 2-3 concise sentences: Stripe Radar's AI-powered fraud tool now detects and prevents free trial abuse with 90% accuracy, predicting abusive behavior such as repeated trial signups and missed cancellations. The tool analyzes payment instrument, device, and payment history across the Stripe ecosystem to identify high-risk patterns, including suspicious session timing and card characteristics. By enabling Stripe Radar, businesses can block thousands of abusive free trials and prevent significant downstream losses.

PaymentsInfrastructure
1 min
StripeMar 20, 2026

Three of the biggest fraud trends from MRC Vegas 2026

Here's a 3-sentence summary of the blog post from Stripe Engineering: Stripe's fraud team shares insights from MRC Vegas 2026 on combating automated and increasingly sophisticated fraud. Key trends include dynamically authenticating users based on intent, embedding fraud detection into agentic transactions, and investing in multilayered identity verification to combat deepfakes. Stripe's solutions, such as Stripe Radar's adaptive 3DS and Shared Payment Tokens, aim to reduce friction for trusted users and improve multilayered identity verification to combat ecommerce fraud.

PaymentsInfrastructure
1 min
StripeMar 19, 2026

Testing the impact of Adaptive Pricing across 1.5M subscription checkout sessions

Stripe Engineering tested Adaptive Pricing for 1.5M subscription checkout sessions, seeing a 4.7% average increase in conversion rate and a 1.9% average increase in authorization rate at signup. This led to a 5.4% increase in lifetime value (LTV) per session on average. The results suggest localized pricing improves payment performance, customer retention, and ultimately, subscriber value. By automatically presenting prices in a customer's local currency, businesses can capture more revenue without needing to build and maintain their own FX infrastructure.

PaymentsInfrastructure
1 min
StripeMar 18, 2026

Introducing the Machine Payments Protocol

Stripe introduced the Machine Payments Protocol (MPP), an open standard for agents to make payments across the internet. MPP enables microtransactions, recurring payments, and more, by allowing agents to transact programmatically with services and businesses. Developers can integrate machine payments with Stripe's PaymentIntents API in a few lines of code, supporting transactions in various currencies and payment methods.

PaymentsInfrastructure
1 min
StripeMar 12, 2026

10 things we learned building for the first generation of agentic commerce

A future where we buy with AI agents feels inevitable. Making it actually work is harder. These lessons from the first wave of agentic commerce are meant to...

PaymentsInfrastructure
1 min