Sessions 2024: Stripe scales payments, Connect, and modular tooling

At Stripe Sessions this week in San Francisco, the company detailed the past year of product work across its three core areas: global payments, platform and embedded finance tools, and revenue automation. The announcements also reinforced Stripe’s push toward modularity—letting businesses pair Stripe services with third-party payment processors and other parts of their stack.

Payments performance and checkout tools

Stripe cited an average revenue uplift of 11.9% for merchants who adopted its Payment Element, and pointed to enterprises like Hertz, Alaska Airlines, and Shopify using Terminal for in-person payments. The underlying theme: the AI-enabled Advanced Payments Engine is meant to improve authorization rates, cut costs, and reduce fraud.

Optimized Checkout Suite

  • The number of available payment methods has doubled from 50 to over 100—new additions include Amazon Pay, Revolut Pay, Zip, TWINT, and Swish. A new payment method rules engine in the Dashboard lets you control which methods appear based on transaction size, currency, or buyer location.
  • Payment method A/B testing is now configurable directly in the Dashboard with no code, providing insight into conversion, average order value, and wallet share impact.
  • Adaptive Pricing for local-currency display expanded to the UK and Europe, and Link now supports easier payments from US bank accounts.

Terminal

  • Stripe Reader S700 is generally available in 23 countries, with offline mode and fleet management now supported; surcharging is on the roadmap.
  • New enterprise integrations cover Oracle OPERA, Adobe Commerce, Teamwork Commerce, Erply, Mercaux, and Tulip POS and PMS providers.

Advanced Payments Engine

  • The authentication engine now uses machine-learning routing to decide the best authentication path per transaction, and supports multiprocessor scenarios via 3DS import and Standalone 3D Secure.
  • Stripe reports API success rates above 99.999% over the past year—about 26 seconds of downtime monthly—including during Black Friday and Cyber Monday.
  • Radar Assistant converts natural-language prompts into fraud rules, while new fraud insights surfaces business-specific trends for custom prevention strategies.

Organizations

  • Organizations lets scaled businesses manage multiple Stripe accounts under one roof, and Sigma can now query data across those accounts.

Connect gets modular, and embedded finance expands

Stripe Connect’s largest update to date makes the platform more component-based: you decide which capabilities to own and which to outsource to Stripe, and can swap as needs change. Seventeen new embedded components—10 for payments—were released, aimed at building feature-complete payments products localized across 118 countries. Other Connect additions include no-code pricing tools that adjust by method, country, and other factors, plus margin reports that show how pricing changes affect profitability.

Risk management now brings merchant risk tooling that flags potentially fraudulent businesses, provides account-level analytics, and can block suspicious accounts based on Stripe’s network signals. Platforms can also view support cases their connected accounts have with Stripe and directly message Stripe on those cases.

On the embedded finance side, new components arrived for Treasury, Issuing, and Capital. Capital for platforms has a streamlined onboarding flow that operates from the Dashboard alone, enabling loans to users in days. Issuing fraud tools, built on Stripe’s proprietary data, flag risky transactions while allowing legitimate card spend. A new sample app demos the connected-account experience for Issuing and Treasury—card creation, test authorizations, and financial account payments—complete with viewable API logs and no coding required to copy it.

Revenue platform: Billing, Tax, and data consolidation

With revenue models increasingly complex, Stripe’s focus here is on flexible billing, automated workflows, and consolidated reporting.

Billing

  • The Meters API powers usage-based billing, letting you ingest, aggregate, and view usage events in real time.
  • Automations string together custom workflows—triggers, conditions, and actions—starting with revenue recovery, while the Entitlements API gates feature access by billing plan.
  • A migration toolkit moves tens of millions of subscriptions to Billing without forcing customers to re-enter payment details.
  • Advanced discounting logic enables custom deal structures, and the Invoice Preview API delivers line-item invoice previews before they’re finalized.

Tax and data

  • Tax support now covers 57 countries, with new tax overrides for creating rules that apply to product tax codes in any supported location.
  • Transaction data can be imported from Amazon, Shopify, and eBay into Tax for a consolidated view of obligations across platforms.
  • Google Play and Apple App Store transactions import directly into Stripe for consolidated revenue recognition.

Working with third-party providers

Stripe continued opening its services to a broader payments ecosystem. The new Vault and Forward API already lets the Payment Element work with other PSPs, with Billing and Radar slated to follow later this year. A partnership with Korean PSP NICEPAY brings a fully localized checkout to South Korea, covering 21 local card brands and three wallets.

The Stripe App Marketplace has more than doubled to 150 apps, adding options like Adobe Commerce, Salesforce CPQ, and NetSuite. The Enhanced Issuer Network also added four new issuer partners, including American Express, reaching coverage for nearly 40% of Stripe’s US payment volume.