Stripe | Financial Infrastructure to Grow Your Revenue

Stripe is a world-famous US-Irish global fintech SaaS payment platform founded in 2010 by Patrick and John Collison, focusing on providing programmable global payment infrastructure for businesses of all sizes, from small startups to large multinational enterprises. It helps merchants accept, manage and settle funds online and offline across most countries worldwide.

Core Main Functions

1. Global Online Payment Processing

It offers easy-to-integrate developer APIs and ready-made checkout widgets that businesses can embed into websites, apps and online stores with simple coding. Merchants can receive mainstream payments globally: credit/debit cards, PayPal, Apple Pay, Google Pay, local bank transfers and regional digital wallets in over 135 currencies with one single access setup. It automatically handles cross-border currency conversion and international fund settlement.

2. Recurring Billing & Subscription Management (Stripe Billing)

Perfect for SaaS companies, membership platforms and regular-charge businesses. It automates periodic subscription fees, customizes flexible pricing rules, sends automated invoices and payment reminders, and optimizes failed payment collection with AI-powered retry technology to reduce unpaid orders.

3. Marketplace Split Payment (Stripe Connect)

Its core featured service tailored for e-commerce marketplaces, travel platforms like Rezdy and agent-reseller systems. The platform automatically splits customer payments between platform owners, individual sellers or service suppliers, completes automated seller fund payouts, and simplifies tax and commission calculation globally.

4. Anti-fraud & In-person Payment

Stripe Radar: Built-in machine learning anti-fraud system to identify and block risky fake transactions in real time and cut merchant loss from fraud payments.

Stripe Terminal: Hardware card readers for offline physical stores to sync in-store card payments with online backend data uniformly.

Profit Mode & Charge Standard

Stripe earns revenue mainly via transaction commission fees: it deducts a fixed percentage plus a small fixed fee per successful deal, with no mandatory monthly subscription or hidden setup fees for regular users. New merchants can register accounts quickly online without complicated bank qualification approval.

Main User Groups

Online retailers, independent e-commerce websites

SaaS & subscription-based digital companies

Tour/activity operators (such as Rezdy’s cooperating merchants), booking platforms

Global multi-vendor marketplaces and offline physical retail shops

Short Version (for quick presentation)

Stripe is a leading global payment infrastructure platform enabling businesses worldwide to accept cross-border online & offline payments via developer-friendly APIs. It covers one-time payment, recurring subscription billing and marketplace split settlement, widely used by e-commerce, travel and SaaS enterprises globally with transparent per-transaction fees.