Elevating Checkout Experiences
The new checkout capabilities bring intelligent personalization and unmatched flexibility. One of the most anticipated updates is the introduction of one-click payments through third-party services like Klarna. Integrated within the existing Link experience, this enhancement will streamline the path to purchase while maintaining a consistent brand experience.
The release of Managed Payments introduces an all-in-one merchant of record solution. It assumes the burden of handling tax compliance, fraud prevention, dispute management, and even customer support. By embedding these services into the checkout process, businesses can launch into new global markets more easily.
Using real-time AI models that process more than 100 behavioral and contextual signals, the checkout suite now dynamically adjusts payment method options and form fields. This level of personalization contributes directly to increased conversion rates and reduced friction.
More than 125 global payment methods are now supported, ranging from traditional card payments to emerging real-time systems such as Pix in Brazil and UPI in India. Local pricing is also easier to manage thanks to Adaptive Pricing, which now covers over 150 global markets without additional fees.
The Payment Element now supports any payment method, regardless of processor. Developers can embed a fully customizable in-app experience through the Embedded Mobile Payment Element, reducing time-to-market for mobile payment integrations. The new Checkout Sessions API further simplifies integration, allowing rapid deployment of features like subscriptions, taxes, and localized pricing with just a few lines of code.
Intelligence Across the Payment Lifecycle
One of the most transformative innovations introduced this year is the enhanced payment intelligence suite. This collection of AI-driven tools brings a new level of automation and optimization to every stage of the payment lifecycle.
Authorization Boost leverages AI to intelligently retry failed transactions, update expired payment methods, and route payments through optimal channels. These behind-the-scenes operations improve success rates and increase revenue without requiring manual intervention.
Smart Disputes uses machine learning to automatically generate tailored responses to chargebacks. By analyzing transaction context, customer behavior, and historical data, this system assembles compelling evidence to contest disputes with higher win rates.
New capabilities in the fraud detection suite now make risk scores available via API. This enables businesses to integrate fraud insights into their own systems or coordinate decisions across multiple payment providers. Fraud prevention is also extended to include bank transfer methods such as ACH and SEPA.
Anomaly detection for enterprises introduces automated alerts for drops in authorization rates, leveraging over 90% precision. These insights can identify hidden issues before they impact performance, making payment infrastructure more resilient.
Collaboration with global networks such as Mastercard and Visa also brings proactive dispute prevention. Customers now receive preemptive alerts and clarifications about transactions, minimizing unnecessary chargebacks.
Expanding In-Person Payment Options
The hardware ecosystem for in-person payments has seen a major upgrade. Businesses are now able to use terminal capabilities on third-party hardware, starting with widely adopted solutions like Verifone. This flexibility is crucial for retailers and service providers that require integrated, compliant, and customer-friendly checkout experiences in physical settings.
Through a strategic partnership with FreedomPay, businesses now have access to a network of more than 1,000 point-of-sale and hardware vendors. This means it’s easier than ever to unify online and in-person payments within a single reporting and analytics platform.
Simplifying Currency Management
As commerce becomes increasingly international, managing currency conversion transparently and accurately is essential. The new FX Quotes API provides a solution. Businesses can now display local currency pricing, lock in exchange rates for a given period, and offer transparent fee disclosures. This not only improves the buying experience but also simplifies reconciliation and reporting.
Streamlined Organizational Payments
For large enterprises operating multiple accounts, a new organizational framework enables seamless data and payment sharing. Teams can now access and manage customer data across accounts, eliminating the need to re-enter information. This also extends to dispute resolution, allowing centralized monitoring and resolution from a single control panel.
This architecture significantly reduces operational overhead and makes it easier to maintain consistency across different business units or regional entities. Teams gain greater control and visibility, making financial operations more cohesive.
Embracing a Programmable Finance Stack
A consistent theme throughout this year’s announcements is programmability. From customizing payment flows to embedding finance directly into product experiences, businesses now have more tools than ever to fine-tune and extend their financial operations.
By turning complex financial workflows into API-driven services, the platform allows developers and operators to move fast without compromising on control. This marks a pivotal shift toward infrastructure that adapts to the unique needs of modern digital businesses, from startups to global enterprises. Across every update—whether in intelligence, orchestration, checkout design, or hardware—there’s a clear commitment to making commerce not just easier, but smarter.
Programmable Revenue Infrastructure
Modern businesses increasingly demand revenue systems that are not only reliable but also programmable and extensible. In response to this shift, a new generation of billing infrastructure has emerged, empowering organizations to automate and customize monetization workflows. This new approach marks a major departure from rigid legacy systems, offering businesses the ability to integrate their own logic, tailor customer experiences, and accelerate time to market for new pricing models.
Two transformative additions—Scripts and Workflows—are at the heart of this evolution. These tools serve as primitives that allow teams to program business rules directly into their monetization stack, dramatically reducing the time and engineering resources needed to adapt to changing market conditions or customer segments.
Scripts enable custom code to run within billing processes, supporting dynamic invoicing, pricing experiments, and real-time modifications. Whether adjusting subscription terms mid-cycle or applying conditional discounts based on customer usage, these capabilities allow a level of granularity and responsiveness previously unattainable in out-of-the-box billing systems.
Workflows, on the other hand, orchestrate multi-step operations across APIs, internal logic, and external triggers. They connect data sources, trigger conditional events, and streamline internal processes such as approval flows for high-value accounts or custom communications upon renewal. Together, these primitives form the building blocks for a fully programmable revenue engine.
Unlocking the Full Potential of Usage-Based Billing
The rise of AI services, cloud infrastructure, and digital platforms has popularized usage-based pricing models. These models offer greater alignment with customer value but present new operational challenges in metering, billing, and forecasting.
To support this shift, enhancements in usage-based billing now make it easier to define complex metering logic, create hybrid plans that blend fixed and variable charges, and automatically invoice customers with precision. Organizations can now experiment with new monetization strategies without overhauling their backend systems.
These updates are especially relevant for businesses offering scalable infrastructure, API access, or software with tiered consumption. Tools that enable metering at the event level, combined with predictive invoicing capabilities, allow finance teams to better forecast revenue and customers to better understand their usage.
Additional capabilities such as support for mixed interval subscriptions, partial payments, and consolidated invoicing make it possible to tailor billing experiences to enterprise buyers or high-volume users. These features bring flexibility and control to companies at all stages of growth.
Financial Insights at Scale
For finance and operations teams, actionable data is essential. Modern organizations require real-time, consolidated visibility across global subsidiaries, product lines, and monetization channels.
Improved support for financial reporting now extends across multiple business entities. Centralized dashboards allow teams to aggregate, filter, and export financial data across multiple accounts. Whether a company operates in five countries or fifty, it can now generate unified views of cash flow, receivables, and performance metrics.
This development supports the needs of growing companies that may be managing recurring revenue streams, one-time charges, and usage-based fees across various legal entities. It also ensures audit-ready visibility with reduced manual data handling.
For more advanced analysis, integration with data warehouses is streamlined, allowing analysts to connect tools like Looker or Tableau directly to monetization data. This approach reduces reliance on spreadsheet exports and manual data cleansing, increasing accuracy and enabling self-service analysis.
Automating Tax Compliance Across Borders
As businesses expand globally, staying compliant with local tax laws becomes a major operational challenge. Manual tax calculations, registration processes, and filing workflows are time-consuming, error-prone, and divert focus from core operations.
A new integrated tax solution addresses these challenges by automating the entire tax lifecycle. From registration in multiple jurisdictions to real-time tax calculation and filing, businesses now have access to a comprehensive compliance solution embedded within their revenue stack.
Currently supporting compliance in over 100 countries, the solution also accounts for country-specific rules such as shipping taxes, VAT thresholds, and tax holidays. This level of granularity reduces the risk of undercharging or overcharging customers while ensuring legal compliance.
Partnerships with tax technology providers further extend these capabilities. Third-party apps from providers like Anrok, Avalara, and Sphere integrate seamlessly to deliver best-in-class tax calculation and audit trail capabilities across invoices, transactions, and subscriptions.
Upcoming enhancements will address vertical-specific tax challenges, particularly for event ticketing, software sales, and digital media, where compliance rules are especially complex and variable.
Real-Time Revenue Recognition
Recognizing revenue in accordance with accounting standards such as ASC 606 or IFRS 15 can be difficult for companies with complex billing cycles or deferred revenue. Delays in data availability and lack of automation often lead to prolonged month-end closing periods.
To address this, the latest improvements in revenue recognition offer real-time updates, with transaction data processed and available within hours. This enables same-day reconciliation and reporting, accelerating financial close and increasing transparency.
In addition, support for usage-based billing has been extended to all businesses, not just those with advanced financial setups. Companies offering consumption-based products can now automate accrual accounting without manual spreadsheets or workarounds.
Built-in logic ensures that revenue is deferred and recognized accurately based on billing terms and usage data, while finance teams maintain full visibility into revenue waterfalls and deferred balances. This automation brings accounting standards in line with operational reality.
Faster, Smarter Access to Business Data
Modern decision-making depends on timely access to granular data. Updates to analytics and data infrastructure now ensure that teams can access relevant information within hours instead of days.
With data now available in analytics tools within three hours of transaction completion and pipeline exports reaching storage destinations within six, finance, sales, and strategy teams are empowered to operate with near real-time insights.
Data can be accessed through customizable dashboards, SQL queries, or direct integration with BI tools. These insights drive better decisions around pricing, customer segmentation, churn management, and operational performance.
To further support automation and integration, an API for analytics tools is now in preview. This allows developers to automate custom reporting, schedule queries, and build applications that surface actionable data directly within operational tools.
For example, a finance team might build a dashboard that tracks deferred revenue by region, updated daily, while a customer success team may track renewals flagged by anomalous usage patterns. These insights enable proactive engagement and faster iteration on revenue strategies.
Benchmarking with Machine Intelligence
In fast-moving industries, it’s critical to understand how a business performs relative to peers. Manual benchmarking is often limited by access to data and inconsistent metrics. A new AI-powered benchmarking tool changes that. Using anonymized and aggregated data, it allows businesses to compare their revenue performance, customer growth, churn, and other metrics to those of similar organizations.
This visibility helps uncover opportunities and threats—whether identifying a lag in conversion rates, a spike in involuntary churn, or an opportunity to increase pricing based on industry standards. The tool adjusts comparisons based on business model, geography, and revenue tier, offering meaningful context and avoiding misleading benchmarks. Armed with this data, companies can focus their resources where they’ll have the most impact.
Unified Customer Modeling
Siloed systems can complicate the customer experience and limit operational agility. By unifying customer records across monetization, payments, and account management, businesses can deliver more consistent experiences and gain deeper insight into customer behavior.
The latest updates enable businesses to manage each customer through a single account across all revenue and operational products. This streamlined modeling simplifies invoicing, payment management, usage tracking, and reporting.
It also improves cross-sell and upsell strategies by unifying data on purchases, preferences, and payment history. For example, a business might offer tailored pricing or early renewal incentives based on a unified view of account value. Unified modeling also makes compliance and support easier. Customers no longer need to provide the same information multiple times, reducing friction and support load.
Built-In Flexibility for Global Complexity
As businesses scale internationally, they face a wide array of legal, financial, and operational requirements. To succeed in these environments, monetization infrastructure must adapt without requiring custom development for each new market.
New features make it easier to adapt to global complexity. Mixed interval subscriptions, for example, support region-specific billing cycles and allow for granular control over renewals and invoicing. Partial payments and unallocated payments add flexibility for enterprise customers.
Adaptive pricing tools localize prices in over 150 markets, adjusting for exchange rates, purchasing power, and local regulations. All of this can be implemented with minimal technical overhead. This flexibility allows companies to maintain consistent product experiences while aligning monetization with local expectations and constraints, ensuring compliance and customer satisfaction.
A Foundation for Future Growth
The combination of programmable billing, intelligent tax management, real-time data access, and automated revenue recognition creates a powerful foundation for scaling revenue operations. These capabilities reduce time spent on manual processes, ensure compliance, and provide the insights needed to grow with confidence.
With businesses increasingly experimenting with dynamic pricing, AI-driven offerings, and global expansion, the infrastructure supporting revenue must be equally agile. These latest innovations deliver the tools companies need to move quickly, iterate frequently, and stay ahead in a competitive landscape.
Money Management Made Programmable
The evolution of money management has entered a new era, characterized by programmability, multi-currency capabilities, and seamless integration with financial infrastructure. The vision is simple: financial operations should be as automated, flexible, and scalable as the applications they support. This shift allows businesses of all sizes to move funds faster, expand globally, and create entirely new financial products without relying on traditional banking systems.
Local and Global Money Movement
A major leap forward is the ability to store, receive, and send money in multiple currencies, all from within a single unified dashboard. Businesses in the US and UK can now operate across borders with greater confidence and speed. This capability supports local rails for domestic transfers while also enabling cross-border payments without the need to open foreign bank accounts or engage separate partners.
Funds can be transferred in real-time across different currencies, allowing companies to manage supplier payouts, affiliate programs, and international payroll with minimal overhead. The flexibility of managing balances in multiple currencies makes it easier to avoid foreign exchange losses and optimize operational cash flow.
Crypto and Stablecoin Accounts
With the introduction of stablecoin financial accounts, a transformative step has been taken toward bridging traditional finance with digital assets. Businesses from over 100 countries can soon store and transact with stablecoins, opening up access to crypto-based financial infrastructure without introducing volatility into operations.
This new type of account allows balances to be denominated in digital dollars, offering the convenience and compliance of fiat with the flexibility and speed of blockchain rails. It supports sending and receiving funds through both crypto and fiat channels, dramatically increasing payout options for contractors, affiliates, and partners across regions with limited access to conventional banking systems.
Global Payouts via Email
Another breakthrough is the ability to send payouts to individuals or businesses in 58 countries using just an email address. This simplifies what used to be a multi-step process involving bank account verification, compliance checks, and integration with local payment networks.
This feature is particularly beneficial for gig platforms, marketplaces, and creative services where the end recipients might not have traditional financial infrastructure. Payments are made quickly, securely, and in the recipient’s local currency, reducing friction and delays often associated with cross-border transactions.
Launching USDC Corporate Cards
The new corporate card program tied to stablecoins allows businesses to issue cards that spend directly from stablecoin balances. This is especially powerful for companies operating across Web3 and global markets, providing them with a modern alternative to legacy expense systems.
Cards on major payment networks can be issued in just a few clicks and tied to real-time authorization controls. This level of programmability enables granular spend rules, detailed tracking, and automated reconciliation—all critical for businesses seeking to improve financial discipline while enabling dynamic spending.
Embedded Finance for Platforms
Platforms serving small businesses, freelancers, or creators can now offer full-scale financial services embedded within their own experiences. Instead of directing users to external banking apps, platforms can enable features like expense tracking, virtual cards, balance management, and tax tools natively.
With customizable components and developer tools, platforms can launch financial features that reflect their unique branding and workflows. These services deepen user engagement and unlock new monetization paths by turning platforms into financial ecosystems tailored to their verticals.
Expanding Control and Transparency with Organizational Tools
Large businesses and platforms managing multiple accounts or subsidiaries need control, coordination, and visibility across their financial landscape. New organizational tools make it easier to manage payment operations, disputes, reporting, and analytics from a centralized location.
Customer and Payment Method Sharing
A key feature allows sharing customer profiles and their payment methods across accounts. This eliminates the need to collect payment details repeatedly, providing a seamless experience for returning customers across different business units or markets.
Whether managing franchises, subsidiaries, or regional operations, companies can now maintain a unified view of their customers. This also helps optimize checkout experiences and ensure compliance with data regulations by securely managing customer credentials in one place.
Centralized Dispute Management
Managing chargebacks and disputes can be operationally intense, especially for businesses operating at scale. A centralized view of disputes across all accounts within an organization helps financial teams prioritize and resolve issues more efficiently.
With new analytics and workflow tools, organizations can monitor dispute trends, understand the root causes, and apply strategies to reduce occurrences. They can also receive proactive alerts when dispute rates spike, enabling quick intervention to protect revenue.
Data Access Across the Organization
Access to financial and operational data across different branches of a business is essential for informed decision-making. With advanced support for querying and exporting data at an organizational level, teams can build consolidated reports and synchronize data with internal systems.
This includes support for financial reports, revenue recognition, transaction metrics, and performance benchmarks—all of which are critical to financial planning and compliance. Organizations can also integrate this data with cloud data warehouses for downstream analysis and forecasting.
Building for Developers and Agents
Today’s digital infrastructure is not just for businesses—it’s for builders. As software agents, autonomous tools, and AI-driven services become a larger part of business operations, the ability to program financial behavior becomes a competitive advantage.
Agentic Workflows and Commerce Automation
Developers can now embed financial actions into autonomous agents with APIs that handle ordering, payments, and fulfillment. This allows the creation of intelligent commerce flows that respond to customer actions or business triggers in real-time.
For example, an agent can monitor inventory levels and place restocking orders automatically, complete with payment and invoice reconciliation. Or, it can initiate refunds based on support tickets or return requests, eliminating manual steps.
The emergence of agentic commerce is set to reshape digital experiences, enabling applications that think, act, and transact on behalf of users. This unlocks entirely new business models and levels of efficiency.
Order Intents for Agent-Led Transactions
The Order Intents API supports the creation of flexible, pre-configured commerce experiences. It lets developers model transactions upfront with details like pricing, taxes, discounts, and shipping logic, before finalizing payment.
This capability is especially useful for bots, plugins, and virtual agents that need to operate independently from a traditional front-end. By modeling commerce as code, developers can create dynamic, programmable buying experiences inside any application.
Empowering Startups and Early-Stage Companies
Early-stage businesses face unique challenges around funding, compliance, and speed of execution. A new support program for startups helps address these challenges with resources, community access, and tailored guidance.
Dedicated Support and Financial Benefits
Startups accepted into the program receive financial incentives, product credits, and early access to features that would otherwise require enterprise-level plans. This reduces the barriers to experimentation and helps teams focus on building rather than budgeting.
They also gain access to a focused community of other builders, mentors, and advisors who have navigated the early stages of scaling a product. These connections often provide the practical insight and encouragement needed during key decision-making moments.
Accelerated Onboarding and Experimentation
With streamlined onboarding tools, startups can integrate payment and financial infrastructure in minutes rather than weeks. This helps bring products to market faster and iterate based on real customer feedback.
Sandboxes allow these teams to safely test features, simulate workflows, and evaluate performance without touching production data. It’s a low-risk environment for learning and innovation, ideal for companies iterating on their business models.
Operational Efficiency Through AI
The integration of AI into the operational layer of financial systems introduces massive time savings and intelligence. Tasks that once required manual attention—like resolving disputes, optimizing checkout flows, or creating reports—can now be handled autonomously.
Natural Language in the Dashboard
Business users can now use natural language commands to perform tasks directly in their financial dashboard. Whether it’s generating a payment link, issuing a refund, or creating a new product, these tasks can be done without navigating complex settings.
This makes the platform accessible to more teams, including those with limited technical experience. It also speeds up internal processes and reduces dependency on developers for routine operations.
AI-Powered Anomaly Detection
High-precision anomaly alerts identify issues such as degraded authorization rates, unusual spending behavior, or system performance drops. These alerts are powered by AI models trained on billions of transactions and historical patterns.
Teams receive actionable insights—rather than just data—allowing them to respond faster and with greater confidence. In a high-volume environment, even small improvements in response time can translate to significant revenue preservation.
Strengthening Trust and Compliance
In a global digital economy, trust and regulatory compliance are paramount. Businesses must navigate different tax systems, financial regulations, and customer protections across regions.
Verified Business Credentials
A new verification framework helps businesses demonstrate their compliance and legitimacy to partners and customers. This includes monitoring against global regulatory requirements, proactive risk alerts, and access to experts who can assist with setup and audits.
Being a verified business also streamlines onboarding with other companies on the network. It reduces friction in B2B transactions and improves confidence among vendors, customers, and financial institutions.
Streamlined Global Tax Handling
Handling taxes across multiple jurisdictions has historically been complex and error-prone. The platform now offers end-to-end tax management, from automatic registration to real-time calculation, filing, and remittance.
Support for industry-specific tax rules, such as for events or digital goods, ensures that businesses stay compliant regardless of their vertical. Combined with global coverage and local nuances, this enables smoother expansion into new markets.
These new capabilities represent more than incremental updates—they redefine what businesses can expect from their financial infrastructure. Money is no longer static; it is programmable, intelligent, and globally connected. With powerful APIs, AI-driven operations, and seamless integrations, companies now have the tools to manage growth, control risk, and deliver exceptional financial experiences at scale.
Conclusion
The latest wave of updates introduced at the 2025 Sessions conference represents a transformative leap for businesses looking to grow, automate, and globalize their financial operations. From redefining payment experiences with advanced orchestration and intelligent checkout tools to empowering platforms with embedded finance capabilities, the innovations presented offer a cohesive and scalable path forward for a wide range of businesses—from startups to enterprise-level companies.
The evolution of revenue management is particularly noteworthy. With the ability to program custom billing logic, automate workflows, and unify financial reporting across multiple accounts, businesses are better positioned to manage recurring revenue, adapt to complex pricing models, and streamline tax compliance. These changes don’t just simplify operational overhead—they open the door to more agile monetization strategies, faster market entry, and improved customer satisfaction.
The embedded finance and consumer issuing developments are poised to change how platforms serve their users. By allowing seamless onboarding, real-time risk mitigation, and embedded lending and card issuance capabilities, platforms can provide a more integrated and comprehensive financial experience. This flexibility is essential in a world where customer expectations are increasingly shaped by real-time digital experiences and on-demand financial access.
Equally impactful are the advances in money management. The ability to store, move, and convert money in multiple currencies—across both fiat and digital rails—signals the future of internet-native financial infrastructure. Businesses can now operate with greater geographic reach and less friction, while maintaining regulatory and operational control.
Finally, the introduction of intelligent assistants, programmable agentic workflows, and publicly verifiable business profiles marks a shift toward a more connected and autonomous commercial ecosystem. These tools will not only reduce manual effort but also create new opportunities for inter-business collaboration and trust across a growing network of users.
Together, these developments signal a fundamental rethinking of how modern businesses handle payments, finance, and commerce. By building with flexibility, intelligence, and global scalability in mind, the platform is setting a new standard—enabling builders everywhere to focus on what matters most: creating value and delivering exceptional experiences.
