What Are Stripe Transaction Fees?
Stripe transaction fees are the charges a business incurs when a customer makes a payment. These charges vary based on the type of payment, the customer’s location, and the services used.
For a standard card transaction in the United States, Stripe takes a 2.9% fee plus a flat 30 cents per successful transaction. This model is consistent across major credit and debit cards. For instance, on a $100 transaction, Stripe would charge $3.20.
In cases where ACH bank transfers are used, Stripe applies a 0.8% transaction fee, capped at $5. This becomes particularly advantageous for high-value transactions, where a percentage-based fee might otherwise be higher.
International transactions, however, come with additional costs. Stripe imposes an extra 1% fee for cross-border payments and an additional 1% for currency conversion. That means if a U.S.-based business processes a Canadian payment in Canadian dollars, total fees could reach up to 4.9% + 30 cents per transaction.
Stripe Fee Breakdown by Payment Method
Stripe structures its payment fees differently depending on how the customer pays. Understanding this helps businesses tailor their payment strategies accordingly.
Credit and Debit Card Payments
These are the most commonly processed transactions. Stripe charges a 2.9% fee plus 30 cents for domestic card payments in the U.S. These fees apply whether customers use Visa, Mastercard, American Express, or Discover.
The consistent fee model helps businesses anticipate processing costs, especially useful for subscription or recurring billing services.
ACH Direct Debit
Stripe’s ACH debit option is ideal for higher-value or repeat transactions, such as invoices or subscription payments. At a rate of 0.8% with a maximum of $5 per transaction, it’s a cost-efficient choice.
This fee cap means that whether a customer pays $1,000 or $10,000, the fee doesn’t exceed $5. It becomes a smart alternative for businesses dealing with large invoices.
International Payments
When customers pay with cards issued outside the business’s country, Stripe adds a 1% cross-border fee. Additionally, if currency conversion is required, there’s another 1% fee.
So for a U.S. business receiving a €100 payment from Europe, they could face fees totaling up to 4.9% plus 30 cents depending on currency and conversion.
Digital Wallets
Stripe supports wallets like Apple Pay, Google Pay, and Microsoft Pay. These are processed similarly to card transactions and fall under the same fee structure.
For many small businesses, offering digital wallets enhances customer experience without increasing transaction costs.
Refunds, Chargebacks, and Disputes
Beyond standard transactions, businesses should also consider the impact of refunds and disputes.
When a refund is issued, Stripe does not return the original transaction fee. This means businesses still incur the 2.9% + 30 cents fee, even though the customer gets their money back.
Chargebacks, which occur when a customer disputes a payment, carry a $15 dispute fee. This cost is non-refundable even if the business successfully wins the dispute.
Stripe’s dispute process includes uploading supporting documents to its dashboard. It’s advisable to maintain proper records of customer communication, proof of delivery, and transaction details.
Automatic Fee Dedication and Reporting
Stripe automatically deducts processing fees before depositing funds into the business’s bank account. This automation eliminates the need for manual fee reconciliation, simplifying accounting workflows.
The Stripe dashboard provides detailed transaction-level reporting. Businesses can filter by date, payment method, dispute status, and other factors. These insights help in reviewing costs, optimizing payment methods, and ensuring accounting accuracy.
Pricing Structure by Stripe Plan
Stripe isn’t a one-size-fits-all solution. It offers multiple plans to cater to varying business models. Each plan comes with its own benefits and pricing implications.
Standard Plan
This is Stripe’s base-level plan. Most small businesses use it to accept card payments, bank transfers, and recurring payments.
The pricing remains 2.9% + 30 cents for card transactions and 0.8% (capped at $5) for ACH. There are no monthly fees, and businesses only pay per transaction.
Express Plan
Designed for platforms or marketplaces, the Express plan enables faster onboarding for sellers. Businesses can collect payments on behalf of others and issue payouts.
While the fee per transaction remains the same as the Standard plan, Express allows greater control over managing multiple accounts and payout schedules.
Custom Plan
High-volume businesses or platforms with unique needs can opt for Stripe’s Custom plan. This plan includes features like advanced reporting, API prioritization, and custom negotiated pricing.
It’s most suited for enterprise-scale organizations that require specialized support and reduced rates based on volume.
Connect and Billing Plans
Stripe Connect is ideal for platforms managing multiple vendors. It enables split payments, vendor verification, and multi-party transactions. Stripe Billing, on the other hand, helps automate recurring payments and invoicing workflows.
For subscription billing, Stripe charges an additional 0.4% per transaction. This helps businesses manage renewals, failed payment retries, and metered usage models.
Stripe’s Additional Services and Their Costs
Beyond payments, Stripe offers an ecosystem of tools designed to simplify business operations. While some services come included, others incur monthly or transactional fees.
Fraud Detection with Stripe Radar
Stripe Radar uses machine learning to detect fraudulent behavior. It’s included with standard credit card transaction fees and works automatically without setup.
This feature analyzes customer behavior, payment patterns, and location data to flag suspicious transactions. Businesses can configure rules to automatically block or allow transactions based on risk level.
Data Reporting via Stripe Sigma
For businesses that rely on deep analytics, Stripe Sigma provides SQL-based report generation tools. It’s priced at $1,000 per month, plus 2 cents per row processed.
This service is ideal for companies that need granular insights for internal KPIs, accounting audits, or customer behavior analytics.
Stripe Atlas for Company Formation
Startups looking to incorporate in the U.S. can use Stripe Atlas. For a one-time fee of $500, Atlas includes company registration, tax filing setup, and legal documentation support.
Though not related to payments directly, this service supports Stripe’s broader goal of enabling businesses to launch globally.
Stripe Issuing and Terminal
Stripe Issuing allows businesses to create physical and virtual debit cards. It is useful for managing employee expenses, vendor payments, and reimbursements.
Stripe Terminal supports in-person payments through card readers and mobile devices. Fees vary based on hardware but generally align with Stripe’s card processing charges.
Real Examples of Stripe Fees
To give more context, let’s examine a few scenarios:
Scenario 1: A $100 Card Payment in the U.S.
Stripe charges 2.9% + 30 cents.
Fee = $2.90 + $0.30 = $3.20.
Net amount received = $96.80.
Scenario 2: A $1,000 ACH Payment
Stripe charges 0%,8%, capped at $5.
Fee = $5.
Net amount received = $995.
Scenario 3: A $500 Payment from an International Customer
Stripe charges 2.9% + 30 cents + 1% cross-border + 1% currency conversion.
Total Fee = 4.9% of $500 + 30 cents = $24.80.
Net amount received = $475.20.
These scenarios illustrate how payment type and origin affect your effective revenue.
When Stripe Is Not the Right Fit
While Stripe offers excellent features and reliability, it may not suit every business. High transaction volumes with small margins can make its percentage-based fees costly. Similarly, companies operating exclusively in countries where Stripe’s support is limited may find other options more viable.
In such cases, exploring alternative payment processors with fixed monthly fees or lower international charges can yield better results. Businesses should compare fee structures, customer support options, and feature flexibility before switching.
How Stripe Payouts Work
Stripe’s payout system is designed to automate the process of transferring funds from customer payments to a business’s connected bank account. After a successful transaction, Stripe holds the funds temporarily, processes applicable fees, and then schedules the payout.
Standard Payout Schedule
For most U.S. businesses, the first payout typically takes 7 days after the first successful payment is received. After that, Stripe follows a rolling 2-day schedule for future payouts. So, if a transaction happens on a Monday, the payout would usually be deposited by Wednesday.
New businesses or high-risk categories may face slightly longer delays, especially during the account verification phase. Stripe uses this delay to assess the legitimacy and performance of the account.
Instant Payouts
Stripe offers an Instant Payout option that enables businesses to access their funds immediately, even on weekends or holidays. However, this convenience comes at a price: 1.5% of the payout amount (with a minimum fee of 50 cents).
This feature is particularly useful for gig economy workers, delivery businesses, or on-demand services that require quick liquidity to operate smoothly.
Custom Payout Schedules
Businesses with more complex needs can configure weekly or monthly payouts. This is ideal for companies looking to streamline accounting by consolidating disbursements or syncing payouts with payroll.
You can adjust payout frequency through the Stripe dashboard or API. Stripe Connect users managing multiple sellers can also programmatically customize payout logic for each account.
Understanding Stripe’s Fee Tiers and Plans
Stripe structures its offerings into different pricing plans, each with its own set of benefits. Choosing the right plan can help small businesses align their cost structures with business models and customer preferences.
Integrated Plan
This is the default pricing tier, offering pay-as-you-go simplicity. Businesses pay 2.9% + 30 cents per card transaction and 0.8% for ACH transfers (capped at $5).
There are no setup or monthly maintenance fees. This plan is best suited for businesses just startint or those with lower volume who need flexibility without fixed costs.
Custom Plan
Large-scale enterprises with high volume or specific technical requirements can negotiate custom plans. These may offer lower processing rates, priority support, dedicated account management, and advanced tools.
To qualify, businesses typically need to process a high number of transactions monthly or handle international payments regularly. The benefit lies in rate reductions that make a significant difference at scale.
Stripe Connect Pricing
For marketplaces and platforms, Stripe Connect is the ideal plan. It supports the onboarding of third-party sellers, manages identity verification, splits payments, and handles compliance.
There are three options under Stripe Connect:
- Standard (no monthly fee; user manages their account)
- Express (charges a per-payout fee)
- Custom (offers full UI control and custom integration, with custom pricing)
These plans cater to platform-style businesses such as online marketplaces, gig economy apps, or multi-vendor stores.
Stripe Billing and Recurring Payments
Stripe Billing is designed for subscription-based businesses. It automates invoicing, customer lifecycle management, and retry logic for failed payments.
Stripe charges an additional 0.4% per recurring transaction for this feature. If advanced features like usage-based billing or automatic proration are enabled, the fee may increase to 0.5%.
This small fee can significantly reduce churn and enhance customer experience, especially when managing complex billing models.
Managing International Payments and Fees
Accepting global payments can be a game-changer for growth, but it introduces additional costs and regulatory complexities.
Cross-Border Payment Fees
When the card used for payment is issued outside the country of the business, Stripe charges a 1% fee. This is known as a cross-border fee.
For example, if your U.S.-based store sells a product to a customer in France using a French-issued card, you’ll incur this additional charge on top of the regular 2.9% + 30 cents.
Currency Conversion Fees
If the customer pays in a different currency than your default account currency, Stripe adds another 1% currency conversion fee. Stripe uses the daily mid-market rate and adds this surcharge.
These fees combined can significantly impact profitability, especially for small-ticket items. Businesses targeting global customers may consider multi-currency pricing or localized Stripe accounts to minimize costs.
Optimizing for International Transactions
To reduce friction for international customers while controlling costs, businesses can:
- Enable multi-currency support in Stripe
- Display prices in local currency
- Use localized domains and checkout experiences..
- Offer local payment methods like iDEAL, Bancontact, or SEPA Direct Debit.
These methods improve conversion rates and may reduce reliance on expensive card processing.
Stripe Fee Examples for Global Payments
To understand Stripe’s pricing in action, let’s look at real-life examples involving international transactions.
Scenario 1: U.S. Business, U.S. Customer
- Payment: $100 via Visa
- Fee: 2.9% + $0.30 = $3.20
- Net: $96.80
Scenario 2: U.S. Business, UK Customer Paying in USD
- Payment: $100 via Mastercard (UK-issued)
- Fee: 2.9% + 0.3 + 1% (cross-border) = $4.20
- Net: $95.80
Scenario 3: U.S. Business, European Customer Paying in EUR
- Payment: €100 (~$110)
- Fees: 2.9% + 0.3 + 1% (cross-border) + 1% (conversion)
- Approx. Fee: $5.50
- Net: ~$104.50 after conversion and fee
These examples show how fee layers compound in international contexts.
Stripe’s Support for Local Payment Methods
To combat high international card fees and improve local access, Stripe supports dozens of regional payment options. These include:
- SEPA Direct Debit for EU-based transactions (1% fee)
- iDEAL for Dutch customers (0.8% fee)
- Bancontact for Belgium (1.4% + 25 cents)
- Alipay and WeChat Pay for China-based buyers (1.8% fee)
These methods often offer lower fees and faster processing times. Enabling them can help businesses reach underserved regions and reduce payment abandonment.
Stripe Terminal and In-Person Payments
Stripe is not limited to online payments. With Stripe Terminal, businesses can accept in-person card payments using physical readers.
Stripe Terminal charges a fee of 2.7% + 5 cents for in-person U.S. card transactions. This is slightly lower than the online rate, and the hardware ranges from $59 to $299.
Businesses running hybrid operations—like cafés with an online order portal—can unify payments across channels under one Stripe account.
How to Track and Forecast Stripe Fees
Stripe’s dashboard offers transaction-level detail and downloadable reports. Businesses can filter by date, customer, method, or fee type.
To forecast fees:
- Multiply your average monthly volume by the applicable transaction rate.
- Factor in potential refunds, chargebacks, and international payments.
- Consider additional features like Billing or Instant Payouts.
Stripe Sigma (for SQL-based reporting) and third-party integrations like Xero, QuickBooks, or NetSuite can also help forecast and manage payment-related expenses.
What Is a Chargeback?
A chargeback happens when a customer disputes a payment with their bank or card issuer. This often results in the transaction being reversed, and the business must prove the charge was valid.
Unlike a refund, which is initiated by the business, a chargeback is initiated by the cardholder. It typically involves the following steps:
- The customer contacts their card issuer and disputes a transaction.
- The issuer notifies Stripe.
- Stripe withdraws the payment amount from the business’s balance and notifies the business.
- The business can submit evidence to fight the chargeback.
- The card issuer reviews the evidence and makes a final decision.
Whether the business wins or loses depends heavily on the quality of documentation provided.
Stripe’s Chargeback Fees
Each chargeback incurs a non-refundable $15 dispute fee from Stripe. This applies whether you win or lose the case. If the dispute is resolved in your favor, the payment amount is returned, but the fee remains.
There are no fees for disputes involving American Express, which handles its own process and doesn’t charge merchants.
Chargebacks are costly not only because of the $15 fee, but also due to lost merchandise, additional shipping, or labor expenses. Too many disputes can also lead to Stripe suspending your account under its risk management policies.
Common Causes of Chargebacks
Understanding why chargebacks occur helps businesses create preventive strategies. Common reasons include:
- Fraudulent Transactions: The customer claims they didn’t authorize the payment.
- Unrecognized Charges: The business name shown on the card statement is unfamiliar.
- Non-Delivery of Goods: The customer claims they didn’t receive what they paid for.
- Unsatisfactory Products: The customer is unhappy with what was delivered.
- Double Charges: The customer was charged more than once for the same purchase.
Proactive customer communication and clear transaction descriptions can help reduce misunderstandings that trigger these claims.
How to Respond to Stripe Disputes
When a dispute is filed, Stripe emails the business and allows about 7–21 days to respond, depending on the card network. During this period, you can submit evidence via the Stripe dashboard or API.
Evidence might include:
- Invoices or receipts
- Shipping confirmations or delivery logs
- Customer communications
- Product descriptions or terms of service
- Refund policies are accepted at checkout..
Stripe formats this documentation and submits it on your behalf to the card issuer.
If the issuer rules in your favor, the funds are returned. Otherwise, the chargeback stands, and you lose the revenue in addition to the dispute fee.
Stripe’s Dispute Protection Add-On
Stripe offers an optional feature called Dispute Protection. For 0.4% per transaction, Stripe covers the cost of fraudulent disputes and handles the entire process. If a dispute occurs:
- You keep the revenue.
- Stripe covers the loss.
- You don’t need to submit evidence.
This option may be worthwhile for high-risk industries, startups, or international sellers prone to fraud.
However, Dispute Protection doesn’t apply to disputes over product quality, delivery issues, or customer dissatisfaction. It is best suited for preventing losses from unauthorized charges or stolen cards.
Managing Refunds Through Stripe
Refunds are another common cost center that businesses must manage carefully. Stripe allows full or partial refunds through its dashboard or API.
Refunds don’t cost a processing fee, but Stripe does not return the original processing fee. This means if you refund a $100 charge, you will return $100 to the customer, but Stripe keeps the $2.90 + 30 cents (assuming standard U.S. card fee).
There are no additional charges to issue a refund, but over time, frequent refunds can cut into your bottom line.
Best Practices to Avoid Disputes and Refunds
While chargebacks and refunds are sometimes unavoidable, consistent policies and tools can reduce their frequency.
Use Clear Descriptors
Make sure the name that appears on customers’ card statements matches your business name or brand. Stripe allows you to customize this in the dashboard.
Vague or generic descriptors like “Online Purchase” are one of the most common causes of disputes.
Send Real-Time Confirmations
Email customers immediately after purchase with a detailed receipt that includes:
- Itemized order list
- Total amount paid
- Shipping timeline
- Contact information
A clear digital paper trail helps reduce confusion and builds trust.
Maintain Transparent Policies
Your refund and cancellation policies should be easy to find and written. Customers should acknowledge them at checkout, especially for services or digital goods where delivery is harder to prove.
Offer Stellar Customer Support
Many customers initiate chargebacks simply because they couldn’t reach your team. Providing fast, responsive customer service gives them a chance to resolve issues directly with you.
Offering store credit or an easy return process can prevent situations from escalating into chargebacks.
Track Shipping and Delivery
For physical goods, always use trackable delivery services. Include order tracking links in confirmation emails. Require signatures on high-ticket items.
Proof of delivery is one of the most powerful forms of evidence when fighting disputes.
Use 3D Secure for High-Risk Transactions.
Stripe supports 3D Secure (3DS), a layer of customer authentication required for certain payments. Enabling 3DS helps shift liability to the card issuer in cases of fraud, reducing your exposure to losses.
3DS is especially useful for international sales or items above $500 in value.
Stripe’s Radar for Fraud Prevention
Stripe Radar is an integrated fraud detection system included in every account. It uses machine learning to flag suspicious behavior based on:
- IP addresses
- Unusual spending patterns
- Mismatched billing/shipping addresses
- Device fingerprints
Radar can automatically block high-risk payments or place them under manual review. You can customize rules to suit your business, such as:
- Blocking payments from high-risk countries
- Requiring AVS checks
- Denying payments over a certain threshold
Using Radar effectively helps reduce both fraud-based chargebacks and refund abuse.
Reporting and Monitoring Disputes
Stripe’s reporting tools let you track dispute rates over time. This is essential for maintaining your account health.
Visa and Mastercard expect dispute rates to stay under 1% of total transactions. If you exceed this threshold, your business may be flagged as high-risk, potentially leading to account suspension or additional fees.
Use Stripe’s dashboard to:
- Monitor dispute ratios
- Analyze dispute reasons
- Track resolution outcomes
- Generate reports for accounting or compliance.
Being proactive helps spot patterns before they damage your reputation or processing capabilities.
Integrating Stripe with Accounting and Invoicing Tools
Automating bookkeeping is one of the most important steps to reducing errors and saving time. Stripe supports integration with a wide variety of accounting, ERP, and invoicing platforms.
Popular Tools That Connect Seamlessly with Stripe
Several popular accounting platforms offer native or third-party Stripe integrations:
- QuickBooks Online: Imports Stripe transactions as income, categorizes fees, and reconciles accounts automatically.
- Xero: Syncs payments and invoices while tracking Stripe fees as expenses.
- FreshBooks: Lets users accept Stripe payments directly from invoices and tracks deposits automatically.
- Zoho Books: Imports Stripe sales, tracks fees, and matches transactions with bank statements.
- Wave Accounting: Supports Stripe payments for invoices and includes basic fee tracking.
These integrations allow for automatic updates, reduce manual data entry, and ensure that each transaction aligns with your financial records.
Benefits of Integration
By linking Stripe to your accounting system, you can:
- Track processing fees as line-item expenses.
- Automate invoice payments and mark them as paid instantly.
- Generate real-time reports with accurate revenue and cost data.
- Speed up tax filing by having transaction records organized throughout the year.
- Ensure cash flow clarity by matching payouts with daily deposits.
This eliminates reliance on spreadsheets and gives business owners better visibility into their financial health.
Stripe vs Other Payment Gateways: A Quick Comparison
While Stripe offers many features for developers and modern digital businesses, other platforms may provide different advantages depending on your business needs.
Stripe vs PayPal
Stripe is better suited for businesses that want full customization and handle online payments at scale. It offers advanced APIs, support for subscriptions, and clean checkout flows.
PayPal is ideal for smaller businesses or those serving a consumer audience who prefer the PayPal checkout experience.
- Fees: Both charge 2.9% + 30¢ per transaction for standard payments in the US.
- Ease of Use: PayPal is easier to set up, but Stripe offers more customization options.
- Checkout Experience: Stripe allows complete control; PayPal redirects users to its platform.
- Support for Developers: Stripe leads with robust APIs and documentation.
Stripe vs Square
Square is more focused on in-person transactions with its hardware, but it also supports online payments.
- Fees: Square also charges 2.9% + 30¢ for online transactions.
- Hardware Integration: Square shines in point-of-sale environments, while Stripe is designed for eCommerce and SaaS platforms.
- Invoicing and Subscriptions: Stripe offers more flexible billing tools and recurring payment support.
Square might suit retail or physical-service businesses better, while Stripe caters to digital-first businesses.
Stripe vs Braintree
Braintree, owned by PayPal, supports advanced features like recurring billing and fraud protection. It’s often compared to Stripe due to its developer-friendly tools.
- Fees: Identical to Stripe for online transactions.
- Branding Control: Both allow for branded checkouts.
- Multi-Currency Support: Braintree has broad currency capabilities, just like Stripe.
- Payout Speed: Stripe often provides faster payouts, depending on your region.
For companies already using PayPal, Braintree can be easier to integrate, but Stripe’s documentation and API depth may be preferable for custom applications.
Tips to Optimize Stripe for Small Business Success
Getting the most out of Stripe involves more than just connecting it to your site. There are several features and configurations that can improve efficiency, boost conversions, and reduce unnecessary costs.
Enable Smart Retry Logic for Failed Payments
If your business runs on subscriptions, failed payments due to expired cards or insufficient funds are inevitable. Stripe offers Smart Retries, which automatically reattempt payment at optimal times based on user behavior patterns.
This can significantly improve recovery rates for failed transactions.
Use Adaptive Acceptance to Improve Authorization Rates
Stripe’s Adaptive Acceptance uses machine learning to retry card payments instantly on different networks, improving the chances of success. Businesses using this feature can see higher conversion rates with no extra cost.
Customize Your Checkout Flow
Stripe Checkout is a hosted solution that supports mobile wallets, localized payment methods, and automatic tax calculation. You can customize it to reflect your brand and offer payment methods specific to your customers’ region.
Offering options like Apple Pay, Google Pay, and local wallets can improve completion rates.
Automate Tax Calculation
Stripe Tax is a built-in tool that automatically calculates and applies the correct taxes based on buyer location and product type. This is useful for businesses selling digital goods or offering services in multiple states or countries.
By automating tax compliance, small businesses can avoid costly errors and audits.
Monitor Real-Time Analytics
Use Stripe’s built-in reporting features or connect with tools like Stripe Sigma to analyze performance. You can track:
- Revenue by country or customer segment
- Payout timelines and processing delays
- Dispute and refund ratios
- Payment method trends
Real-time data allows better decision-making around pricing, customer acquisition, and operational scaling.
Explore Recurring Billing and Subscriptions
Stripe’s billing tools let you:
- Set up recurring charges
- Offer discounts or trial periods.
- Automate dunning for failed payments
- Allow customers to manage subscriptions through a self-serve portal.l
These features support stable cash flow and customer retention for SaaS, memberships, or subscription box businesses.
Implement Fraud Rules in Radar
While Radar is enabled by default, businesses can fine-tune fraud protection with custom rules. For example, you can block transactions from flagged IPs, enforce AVS checks, or decline specific regions.
This is especially important for businesses experiencing a high volume of fraud-related chargebacks.
Planning for Growth with Stripe
Stripe’s modular infrastructure allows businesses to start with simple online payments and scale into complex operations. Whether it’s launching a marketplace using Stripe Connect, issuing virtual cards through Stripe Issuing, or handling global expansion with multi-currency support, the platform adapts as your business evolves.
Startups and solo entrepreneurs can begin with minimal setup. As complexity grows, Stripe supports full developer customization, automated workflows, and enterprise-grade capabilities.
Final Thoughts
Stripe is more than just a tool to accept credit cards online. It’s a comprehensive payment ecosystem that, when used effectively, helps small businesses grow sustainably.
In this series, we covered:
- How Stripe’s core transaction and service fees work
- How businesses are charged across different methods
- Handling chargebacks, refunds, and disputes efficiently
- Integrating Stripe with accounting systems
- Comparing Stripe with alternatives
- Optimizing workflows with automation and smart tools
By understanding the full scope of Stripe’s features and being aware of the associated costs, small businesses can make smarter decisions that increase revenue and reduce friction.
The payment experience you deliver impacts customer trust, retention, and long-term success. Stripe equips you with the tools to create a smooth, secure, and scalable payment journey.