Payments: the agent era gets a checkout

The centerpiece of this year's announcements is a payments stack that treats AI agents as first-class customers. The Agentic Commerce Suite now lets you upload your product catalog and grant agents access directly from the Dashboard. Platforms on Stripe Connect get a preview of the same toolkit, letting connected accounts go agent-ready—with discovery, checkout, payments, and fraud detection handled by a single Stripe integration.

Stripe is also putting itself at the center of agent-to-agent commerce. The Machine Payments Protocol (MPP), co-authored with Tempo, lets agents transact programmatically via microtransactions or recurring billing. You can accept those agent payments in stablecoins or fiat through cards, Klarna, and Affirm via Shared Payment Tokens (SPTs) on the existing Payment Intents API.

Discovery is getting the agent treatment too. A partnership with Meta enables native checkout inside Facebook ads, collapsing the journey from discovery to purchase into one flow. Soon, customers will also be able to buy in AI Mode and the Gemini app through the Universal Commerce Protocol (UCP) via a new Google partnership.

Link now functions as an agent wallet, letting you grant spending permissions while keeping visibility into every purchase and requiring approval on transactions. On the consumer side, Link expands its reach: US businesses can now accept Pix in Brazil and stablecoins through Link, with UPI in India in preview.

A dedicated Link tab in the Dashboard now shows the payment method's effect on conversion, authorization rates, and costs—so its performance isn't a black box.

Checkout and optimization updates

Checkout studio is the new hub for building and tuning the payment page. The preview includes an AI assistant, live transaction replay, and A/B testing with personalized recommendations. For tighter embed scenarios—sidebars, chat boxes, modals—Stripe Checkout gets a new embedded form.

Subscriptions are getting broader payment-method support: Pix and UPI now work with recurring billing, alongside localized currency presentment and cross-border payments. On the acquired-methods front, Sunbit (US), Bizum (Spain), and Pay by Bank (Finland) are newly available. TWINT now supports recurring transactions.

Adaptive Pricing, Stripe's AI localization tool, now picks the customer's preferred currency in real time using dozens of session signals, and can also localize subscription prices. A preview for Android lets users tap their card to the phone to save it, skipping manual entry.

Terminal and beyond

On the hardware side, the Stripe Reader T600 is a countertop device with an eight-inch screen capable of running custom apps—useful for loyalty or upsell flows. Terminal expands to 15 additional markets including Hong Kong and Mexico, plus new in-person methods like Alipay, Klarna, and UnionPay International. A standalone mode preview means you can start accepting payments with no code and no point-of-sale system.

Managed Payments, Stripe's merchant-of-record solution formerly for select businesses, is now open to all digital companies—covering indirect tax compliance in 80+ countries plus fraud and dispute management.

Smarter payment intelligence

Authorization Boost gets a preview for A/B testing against your current performance. A new AI layer powers Data Only authentication flows and PINless debit retries, with Stripe citing average gains of 3.8% in acceptance rates and processing-cost reductions up to 3.3%.

The 3DS product is now available standalone, extending regulatory compliance and fraud protection to payments that route through another processor. The Dashboard assistant now also handles payments analytics, explaining performance issues and root causes in plain language.

Radar: more signals, more models, broader reach

Fraud protection gets its largest update yet, aimed at newer attack types like token abuse and account fraud—while also helping acquirers and issuers beyond Stripe's own network.

  • Free trial abuse prevention flags high-risk signups without blocking genuine customers.
  • Bot abuse prevention (preview) aims to tell legitimate AI agents apart from fraudsters.
  • Stripe Signals for multiprocessor setups can flag fraudulent payments on or off Stripe, and new preview signals predict disputes, early fraud warnings, pay-as-you-go abuse, multi-account abuse, and account-sharing abuse.
  • Merchant-risk signals (preview) assess new-account fraud risk, merchant delinquency, and LLM-driven website review for suspicious activity.
  • New Stripe Issuing authorization signals preict card-authorization fraud, opening protection to non-Stripe issuers, banks, and fintechs.
  • Radar's fraud protection now covers every supported payment method: bank debits, wallets, BNPL, and stablecoins.
  • Custom Radar models train on your business data combined with Stripe's network-level intelligence.
  • Checkout gets upgraded fraud-intervention models for low-friction, precise actions like targeted CAPTCHAs.
  • Smart Disputes now recommends supplemental evidence (tracking numbers, usage logs), and you can store persistent documentation—terms and conditions, for instance—in an evidence library that Stripe pulls from automatically.

Billing, tax, and data: revenue infrastructure for the AI era

Agentic workloads have different commercial requirements than traditional software. Metering, rating, and payment collection need to happen in real time, and pricing models are often multidimensional and usage-based. Stripe’s Revenue updates target those patterns across Billing, Tax, and data access.

Stripe Billing

  • Metronome integration: Usage-based and hybrid pricing models can now be powered by Metronome, a Stripe product. Businesses can manage commits, multidimentional pricing structures, and bespoke contracts while getting real-time revenue visibility down to the account, contract, and product level.
  • Dashboard access: The Metronome app brings Metronome contracts, customers, and data directly into the Stripe Dashboard.
  • Streaming payments: Combining Metronome with Tempo enables payments the instant value is delivered and cost is incurred.
  • Credit management: Track credit balances, receive instant low-balance alerts, and configure automatic credit top-ups.
  • Billing customizations (preview): Three new customization types let you programmatically control how subscription items appear on invoices, how prorations behave, and how balances and credits are applied.
  • Payment plans (preview): Accept installment payments with automated collection.
  • Invoice revisions (preview): Edit finalized subscription invoices and automatically void the original invoice.

Stripe Tax

  • Automated US filing: Tax filing, status tracking, and filing details are available in the Dashboard, powered by TaxJar.
  • More connectors (preview): Shopify and NetSuite connectors extend Tax to platforms already in use.
  • Real-time tax ID validation (preview): Tax can verify IDs against government databases during checkout and block invalid ones.
  • Payment Intents support: Tax can be calculated and recorded on a payment via a single parameter, with no separate API calls.
  • Geographic expansion: Tax is now available for businesses in Liechtenstein and Mexico and digital sellers in Sri Lanka, with full support for Malaysia and remote sellers in French and Spanish territories coming soon.

Data

  • Real-time metrics for agents (preview): AI agents can retrieve real-time subscription metrics via Stripe MCP or Stripe Console.
  • Stripe Database (preview): Real-time Stripe data will be available in a managed, hosted, read-only Postgres database, spun up with one click from the Dashboard or a single CLI command.
  • Next-gen Data Pipeline (preview): Real-time data syncs to Google Sheets, with more destinations to follow.
  • Databricks support: Data Pipeline now syncs all Stripe data directly to Databricks.
  • Reports API v2 (preview): Programmatically retrieve prebuilt financial reports across accounts in an organization.
  • Sigma integration (preview): Execute custom SQL queries programmatically with the Reports API v2 for advanced data modeling and reporting.

Money management: one home for global finances

For AI-native companies that operate globally from day one, financial operations are typically scattered across apps and spreadsheets. Updates to Atlas, Treasury, and Global Payouts aim to consolidate funds into Stripe — with a rewards card, free instant transfers among US businesses, and agent-ready financial accounts.

Stripe Atlas and Treasury

  • SAFE funding via Atlas: Founders can track and receive SAFE funding from investors via ACH, wire transfer, or stablecoin transfer with a Treasury financial account.
  • More currencies: US and UK businesses will be able to hold balances in 15 currencies by the end of the year.
  • Instant transfers: US businesses on Stripe can transfer funds to each other instantly and for free.
  • Stripe card: US users can spend settled earnings with a Mastercard-powered Stripe card offering 2% cashback.
  • Credits on balances: US Treasury balances will earn Stripe credits applicable to processing fees.
  • Mobile management: Balances, transactions, cards, and spending are visible in the Stripe app.
  • Geographic and stablecoin expansion: Treasury will launch in Australia and Canada by year-end and add stablecoin support in 41 more markets.
  • Noncustodial backing (soon): Treasury balances will be backed by noncustodial wallets from Privy, enabling businesses in 150+ markets to move money across borders instantly.
  • Agent-ready accounts: Financial accounts will enable agents to check balances, pay invoices, store funds, create cards, send money, and manage cash flow, with human-in-the-loop confirmation for key actions.

Stripe Global Payouts

  • Expanded coverage (preview): Payouts to recipients in more than 100 countries in fiat and 160 countries in stablecoins.
  • USD payouts to Link: Send instant USD payouts to Link users.

Connect Gets Smarter as Platforms Scale

Stripe Connect now serves more than 16,000 platforms, from Shopify to DoorDash and Substack, helping 11 million businesses accept payments. With AI reshaping the software landscape, Stripe is rolling out a growth studio that surfaces actionable recommendations from Stripe data, plus easier ways for platforms to create revenue streams through Treasury and Capital. Among the key updates:

  • Platform growth studio (preview): Generates AI-powered margin optimization tips, peer benchmarks, and no-code promotional pricing campaigns for local payment methods and Instant Payouts — all directly in the Dashboard.
  • Network cost passthrough (IC++): Now available to platforms in 45 markets, including the US, Canada, UK, and EU. You can enable IC+ pricing and prebuilt reports for connected accounts directly from the Dashboard.
  • New embedded components (preview): For connected accounts, these support ordering Terminal hardware, scanning checks, viewing business performance charts, and accessing balance or payout reconciliation reports.
  • Stripe Managed Risk via API (preview): Platforms and banks can outsource risk management to Stripe while retaining full control over the user experience. Managed Risk for Treasury is also in preview, letting platforms offer financial services with less operational overhead.
  • Smart Disputes for platforms: Platforms can now automatically compile and submit dispute evidence on behalf of connected accounts.
  • Radar for Platforms: New fraud scores from 0 to 100 for every business and transaction, AI-powered insights explaining why accounts are flagged, and a full view of account activity.
  • Networked onboarding: Connected accounts can now onboard with one click. Stripe previewed support for Link wallet users to onboard similarly, even without an existing Stripe account.
  • Cross-border payouts: Marketplaces in the US, UK, EEA, and Canada can programmatically pay sellers across those regions. Stripe also previewed stablecoin rails to instantly transfer funds to sellers in 100 additional countries.
  • Multiprocessor payouts (preview): For marketplaces selling in Europe, Stripe will let them keep multiple payment providers while unifying payouts through Stripe — a path to PSD3 compliance without disrupting existing setups.
  • Seller wallets (preview): Marketplace sellers can receive earnings, hold funds, and make on-marketplace purchases from their financial account balance. Prepaid debit cards for both sellers and customers are also in preview.

Treasury, Capital, and Issuing for Platforms

Stripe Treasury will soon offer users embedded components for Treasury and spend cards in a few lines of code. New Treasury for platforms features include bill pay, automated cash rewards, cash and check acceptance, real-time payments, and accounting integrations.

Stripe Capital is now available to connected accounts in France and Germany, with Australia and Canada coming soon. Lines of credit are in preview, letting accounts draw funds repeatedly up to an approved amount. Stripe also previewed the ability for platforms to underwrite businesses with no Stripe payment processing history, allowing them to receive capital and onboard in one flow.

For Issuing, Stripe previewed Issuing for agents, which lets businesses and agentic platforms issue single-use virtual cards programmatically so agents can make purchases and manage financial workflows autonomously. Live card programs for humans and agents, plus consumer debit issuing for prepaid rewards, disbursements, and branded cards, are also in preview.

Stablecoins and Crypto Expand Their Reach

Stripe is broadening its stablecoin and crypto offerings across payments, cards, and wallet infrastructure. New primitives from Privy manage multichain balances through a single API, Bridge’s Open Issuance has expanded, and stablecoin-backed cards now help recipients spend funds locally or globally. What’s new:

  • Stablecoin payments: Accept them in 32 additional markets.
  • Stripe Crypto Onramp (preview): For US businesses, support for headless web and mobile implementations, custom stablecoins issued through Open Issuance, and a separate KYC mode for transactions up to $500.
  • Stablecoin-backed cards: Consumer or commercial cards now available in 30 countries for spending those funds anywhere.
  • Bridge routes: Onramp and offramp support now includes COP and GBP, adding to USD, BRL, EUR, and MXN. You can move and hold USDG and Bridge-issued stablecoins like CASH, USDSui, and USDCBL across additional blockchains including Tempo, Plasma, Celo, and Sui.
  • Privy digital asset accounts: Customers can hold, move, and grow stablecoin balances anywhere in the world. Flexible custody lets you configure wallets on a wallet-by-wallet basis with custodial or self-custodial options.
  • Privy custodial wallets: You can provision wallets operated by a licensed custodian of your choice. Custodial wallets can now also earn on idle balances via curated DeFi vaults on Morpho.
  • Privy agent tools: Provision wallets for agents from the command line, track their spending in an agent-managed dashboard, and enable AI agents to transact securely with programmable wallets, including trigger-based micropayments.
  • Privy + Bridge: An API integration for bank transfer onramp and offramp flows.

Stripe Becomes More Programmable for Agents

As agents become a core part of how developers build on Stripe, the platform is investing in extensibility, reliable tools for agents, and new agentic surfaces to act on Stripe data. Highlights:

  • Stripe Console (preview): An agentic execution environment in the Dashboard. Ask a business question in plain language for a structured diagnosis across your Stripe products, or give Console a task to execute — it asks for confirmation before consequential actions.
  • Claimable Sandboxes API: AI partners and developer platforms can now embed Stripe into their platforms, with more test data like product catalogs pushed to live accounts. Automated key exchanges from sandboxes (preview) allow secure creation and passing of live API keys on your users' behalf.
  • Custom objects (preview): Model your business data and logic inside Stripe with typed fields, relationships, methods, and the same APIs and operational controls as native Stripe resources.
  • Stripe Workflows (GA): New features in preview include looping, third-party custom actions, prebuilt Mailchimp and Slack actions, programmatic invocation, and Connect support.
  • Full-page apps (preview): App developers can build multitab experiences inside the Stripe Dashboard.
  • Stripe Projects: Provision, manage, and bill your whole dev stack, including hosting, databases, authentication, observability, and AI.
  • Agent guardrails (preview): Assign agent identities, enforce scope rules, and configure approval flows for sensitive actions.

The 2026 roadmap: what ships and when

Stripe has published its public roadmap covering hundreds of itemized entries through Q1 2027 across Payments, Revenue, Money Management, and more. The company notes the list is noncomprehensive, with additional shipping expected beyond what's documented.

Payments expansion

Agentic commerce enters public preview in Q2, letting agents initiate payments using a customer's permitted payment method without exposing credentials. Link gets a native iOS and Android app in Q2 (GA) for managing payment methods, transaction history, and automated purchases with configurable alerts.

Payment processing gains several new capabilities through the year:

  • Q2 GA: Apple Pay routing via Australia's eftpos network, Satispay and Scalapay acceptance, and legal CBD businesses can use Stripe.
  • Q2 public preview: Stripe Payments integration into Aptos ONE workflows.
  • Q3: Off-session payments API (public preview), usage-event billing for token consumption and API invocations (public preview), and dating service businesses onboarded (GA).
  • Q4 GA: Instant conversion of 13+ currencies in the Payments balance via Dashboard or API across 35 markets.

Stripe Terminal adds dynamic currency conversion (Q4 public preview), multicapture for partial authorizations (Q4 GA), and Tap to Pay on Android in Japan (Q4 public preview). Financial Connections in Canada moves from private preview (Q2) to public preview (Q3) to GA (Q4). Crypto businesses can sign up via the Dashboard in Q4.

Radar fraud updates

Radar's roadmap includes custom fraud models pairing Stripe's global model with business metadata (Q2 private preview), risk scores for off-Stripe payments via API (Q2 GA), Treasury fraud management (Q2 private preview), automatic block-threshold adjustment during new attack waves (Q3 GA), and AI auto-resolution of disputes using a dispute rate threshold (Q4 private preview). Platforms can set custom Radar thresholds for connected accounts starting in Q4.

Revenue: Billing, Metronome, and Tax

Billing adds custom invoice collection logic (Q2 private preview), prebilling for up-front subscription payments (Q2 GA), subscription pausing (Q2 public preview), custom trial offers (Q2 public preview), and support for sold contracts unifying product-led and sales-led motions (Q3 private preview).

Metronome's slate includes NetSuite invoice syncing (Q1 private preview), good-better-best plan packages in the UI (Q1 GA), composite charges with minimums (Q2 private preview, Q3 GA), Stripe e-mandates for India off-session charges (Q2 private preview), immutable post-finalization event export (Q2 private preview), sub-minute alert windows (Q2 private preview), self-serve purchasing (Q3 GA), Reserved Instance commitment modeling for GPU cloud billing (Q3 GA), usage-unit credits like 1,000 free API calls (Q3 GA), and sub-second real-time usage charging (Q4 private preview).

Stripe Tax integrates with Billit for e-invoicing and e-reporting (Q2 GA), adds industry-specific tax calculation for parking, ticketing, and events (Q2 public preview), automatic rate-change tracking (Q2 GA), application fees to separate platform fees and sales tax (Q3 private preview, Q1 2027 public preview), filing-ready reports (Q4 GA), and automatic tax remittance via Treasury (Q4 private preview).

Data Pipeline gains BigQuery syncing (Q2 public preview, Q4 GA) and real-time sync to additional destinations (Q3 public preview). Sigma adds a network-reported dispute date field for CBMP analysis (Q2 GA).

Money Management and Treasury

Atlas introduces a CLI plugin for Delaware C corp incorporation, 83(b) elections, EIN retrieval, and formation documents (Q3 GA).

Treasury's extensive roadmap spans physical checks from account balances (Q2 private preview, Q4 public preview), stablecoin offramps to local currencies across multiple expanding country lists, cash deposits at retail stores including Walmart, 24/7 US stablecoin fund access (Q2 public preview, Q4 GA), Atlas founder accounts (Q2 public preview, Q4 GA), scheduled payouts, and full Dashboard financial management. Real-Time Payments support arrives in Q3 public preview and Q4 GA. Bill management, instant funding, multi-currency revenue receipt, and SAFE note fundraising for US C corps are also scheduled.

Global Payouts expands to 30 additional countries from the US and UK (Q3 GA), adds same-day EUR payouts in the eurozone (Q3 GA), stablecoin payments to 160 countries (Q3 GA), USDT support (Q3 private preview), and eurozone-originated payouts (Q4 public preview).

Capital launches in Australia (Q1 GA), Canada (Q3 GA), and Ireland, Spain, the Netherlands, and Belgium (Q4 GA). A prequalified line of credit becomes available (Q2 public preview, Q3 GA), and maximum offers rise from $250K to $1M (Q3 private preview). Issuing supports charge card programs in Hungary and Romania on EUR settlement (Q3 private preview).

Embedded Finance and Connect

Connect adds 3D face verification (Q1 GA), an Accounts v2 API with unified per-customer identity and KYC (Q2 public preview, Q4 GA), granular control over eventually_due requirements and support-detail editing, proof_of_liveness verification, multi-currency settlement without upfront foreign bank accounts, instant phone/email verification for risky users, onboarding funnel analytics, identity verification in 41 additional countries (Q4 GA), custom start-of-day definition, and embedded reporting components including check scanning.

For platforms, Treasury enables stablecoin-backed accounts in 100 countries (Q2 private preview), eurozone and UK financial accounts with Stripe-issued cards, Canadian account offerings (Q3 private preview), bill payment components (Q3 private preview), and consumer wallets with branded prepaid debit cards (Q3 private preview, Q1 2027 public preview).

Issuing for platforms adds customizable cashback rewards (Q2 private preview, Q4 public preview), card issuing in Canada and Australia, stablecoin-backed cards in 60 countries (Q3 public preview), DeFi lending protocol spending (Q3 private preview, Q4 public preview), and consumer debit cards backed by fiat or stablecoins (Q4 public preview).

Managed Risk covers white-labeled payments and marketplaces (Q2 private preview), platform seller protection (Q3 private preview), and financial accounts without additional risk (Q3 private preview, Q4 public preview).

Crypto and stablecoins

Stablecoin payments accept USDT (Q2 public preview), expand to 33 additional countries (Q3 public preview, Q4 GA), support BTC, SOL, and ETH (Q4 private preview), and settle into stablecoin balances (Q4 private preview). Stable, user-specific deposit addresses arrive in Q3.

Bridge Orchestration gains fixed-output FX (Q1 GA), Abstract and Stellar blockchain support (Q2 GA), fee pass-through and fixed USD virtual account fees (Q2 GA), SWIFT, FedNow, and ACH pull capabilities (Q2 GA), cross-chain transfers (Q3 GA), Open Issuance swaps (Q3 GA), and EUR virtual IBANs (Q3 private preview).

Onramp adds KYC sharing (Q3 private preview), embedded components including BTC/SOL/ETH support (Q4), crypto-to-payment-method offramps (Q4 private preview), and lightweight KYC (Q4 public preview).

Privy launches Privy Home for wallet management (Q1 GA), DeFi yield on wallet assets (Q1 public preview), human review for sensitive actions (Q1 GA), hierarchical approval structures (Q1 GA), CLI account management (Q2 private preview), single-API-call swaps (Q2 GA), and stablecoin-backed cards on noncustodial wallets (Q2 private preview). Later additions include global fiat onramps, custom key material, agent spending policies, and onchain corporate treasury management (Q4 private preview).

Platform capabilities

Developer tools gain custom logic build/test/deploy to Stripe (Q2 private preview). Dashboard chat support optimized for mobile arrives in Q3. Organizations can share customer data and payment methods across accounts (Q3 GA). Sandboxes become account-wide (Q2 GA). SCIM user provisioning reaches public preview in Q1 and GA in Q2. Workbench monitors API traffic, rate limits, and integration health (Q3 private preview).

Stripe cautions that the roadmap represents current priorities rather than commitments, with features subject to change at the company's sole discretion. Notably, the list contains 334 items rather than the 288 referenced earlier because some entries apply to multiple product areas and others appear repeatedly across release phases.