NOV 2, 2026
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Payments

Stripe Engineering Blog

48 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

Stripe3d ago

Stripe on Stripe: What we learned moving $1B in vendor payments to Global Payouts

In early 2026, we began moving our vendor payments to Global Payouts, Stripe’s product for paying recipients in 160+ countries. New-market setup fell from six...

PaymentsInfrastructure
1 min
Stripe6d ago

How the fastest-growing enterprises on Stripe scale globally

Despite slower global economic growth and greater geopolitical fragmentation, the fastest-growing enterprises continue to look beyond their home markets and...

PaymentsInfrastructure
1 min
Stripe11d ago

Trends from Money20/20 2026: The rise of “hidden” financial services

As fintech products become increasingly capable, the infrastructure behind them fades into the background. Three trends from Money20/20 show how stablecoins,...

PaymentsInfrastructure
1 min
Stripe14d ago

Stripe survey: Four trends reshaping how SaaS platforms compete in the AI era

AI is creating more SaaS competition, and platforms are feeling the pressure. A Stripe survey of 200 platform leaders shows how they plan to evolve pricing,...

PaymentsInfrastructure
1 min
Stripe17d ago

New ways for fintechs to move money and expand globally

We’re introducing three updates to help fintechs launch products and grow internationally more easily: simpler payout management with Stripe Global Payouts,...

PaymentsInfrastructure
1 min
Stripe18d ago

Sync real-time Stripe data to Postgres with Stripe Data Pipeline

Applications rely on current Stripe data to fulfill orders, update customer accounts, and manage access to paid features. Until now, developers have had to...

PaymentsInfrastructure
1 min
Stripe20d ago

The “alien” economics of AI monetization

As usage, costs, and customer expectations change, AI companies are moving beyond traditional SaaS pricing. Leaders at Monetize 2026 shared how they’re...

PaymentsInfrastructure
1 min
StripeOct 1, 2026

Why I tried to kill token billing (and why we kept it)

Token billing is useful infrastructure, but usually a bad customer-facing pricing model. Your invoice should define the value your product delivers, not break...

PaymentsInfrastructure
1 min
StripeSep 30, 2026

OUSD is now the default stablecoin on Stripe

Open USD (OUSD), a stablecoin built for global money movement, is now available across Stripe. Businesses can use OUSD to manage funds, make payments, and...

PaymentsInfrastructure
1 min
StripeSep 29, 2026

Helping personal agents shop more intelligently and reliably with Link

As agents take on more purchases, agent builders have increasingly asked us to help agents navigate checkout and earn consumer trust. Today, we’re sharing...

PaymentsInfrastructure
1 min
StripeSep 28, 2026

Travel’s AI dilemma at Skift Global Forum

At the “great recalibration”-themed travel conference, Airbnb CEO Brian Chesky called AI “an existential risk” to his company and “literally the best thing to...

PaymentsInfrastructure
1 min
StripeSep 22, 2026

New trends in global card fraud: How 3D Secure and regional mandates are affecting risk

We analyzed billions of transactions on Stripe from January 2022 to March 2026 to understand how card fraud patterns differ by region and country, what's...

PaymentsInfrastructure
1 min
StripeSep 18, 2026

Analyzing rising fraud attempts among travel and leisure businesses on Stripe

Last year, Stripe data shows fraud attempts against travel and leisure businesses hit a four-year high. We analyzed payment activity from more than 200,000...

PaymentsInfrastructure
1 min
StripeSep 17, 2026

SaaS platforms are surging despite the SaaSpocalypse

The SaaSpocalypse was a useful warning for the software industry, but SaaS platforms that help businesses run core operations are more deeply embedded. New...

PaymentsInfrastructure
1 min
StripeSep 15, 2026

What Stripe data shows about fraud at AI startups

We analyzed attempted fraud rates and customer abuse patterns on Stripe over the past year and found that AI companies faced 4.3x more fraud attempts than...

PaymentsInfrastructure
1 min
StripeAug 20, 2026

Five monetization trends from global pricing leaders

As AI transforms software economics, the standard revenue playbook is breaking down. Learn how leaders around the world are preparing for agent buyers,...

PaymentsInfrastructure
1 min
StripeAug 19, 2026

Why global workers are driving demand for stablecoin payouts

Platforms like DoorDash, Meta, and Deel already enable stablecoin payouts for global workers. We surveyed 2,300 workers in 20 countries to see what's driving...

PaymentsInfrastructure
1 min
StripeAug 17, 2026

New currency capabilities for global businesses to cut FX costs

Two product upgrades make it easy for global businesses to manage FX entirely on Stripe. We’re expanding multicurrency settlement to more markets and...

PaymentsInfrastructure
1 min
StripeAug 11, 2026

Mapping the AI economy

Here's a 3-sentence summary of the blog post "Mapping the AI economy" by Stripe Engineering: Stripe's data analysis reveals that AI companies are rapidly expanding globally, with the 100 largest companies reaching 120 markets on average by their third year, and 48% of their revenue coming from outside their home markets. The study highlights key markets, including India, Mexico, Poland, and the United Arab Emirates, where AI spending is growing rapidly and disproportionately high compared to overall spending on Stripe. To sustain long-term growth, companies need to localize their products and offerings, using local payment methods and currencies, as seen in the success of companies like Gamma and Manus, which have seen significant increases in revenue and customer adoption.

PaymentsInfrastructure
1 min
StripeJul 21, 2026

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