Stripe Capital

Fresh

by Stripe, Inc.

Revenue-based merchant cash advance with automatic repayment via payment processing volume, accessible via API for platform embeddingProviding fast working capital to businesses or platform users without traditional loan underwriting — for platform operators who want to offer embedded financing as a value-add feature

Embedded business financing product offering Stripe-processed businesses and platform users access to revenue-based cash advances repaid through future payments.

Features

Payment Element (prebuilt embeddable UI)all plansAdaptive Acceptance (AI-powered retry and routing)paid onlySmart Retries (dunning automation)paid onlyRadar ML fraud scoring (included)all plansRadar for Fraud Teams (custom rules + advanced controls)paid onlySmart Disputes (AI-automated chargeback response)paid onlyAI-powered Dashboard assistant (natural language tasks)all plansAuthorization Boost (AI card/token updater + network routing)paid onlyWebhook event destinationsall plansSigma SQL reportingpaid onlyData Pipeline (warehouse sync)paid onlyRevenue Recognition (ASC 606 / IFRS 15 automation)paid onlyMulti-currency settlement and FXall plansAdaptive Pricing (localized currency display)paid only3D Secure / Dynamic 3DS authenticationall plansSandbox / test mode environmentsall plansRole-based access controls (RBAC)all plansEmbeddable pricing table (no-code)all plansConnect Accounts v2 API (unified customer/merchant identity)paid onlyStablecoin balance management (USDC/EURC)paid onlyDispute deflection (Verifi + Ethoca integration)paid onlyBilling analytics with near-real-time metricspaid onlyTax registration and filing automation (100+ countries)paid onlyPayment Links (no-code checkout)all plansVault and Forward API (tokenize cards for other processors)paid only

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