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A banking-as-a-service API that lets platforms embed financial services in their marketplace or software. Features include payment processing, account management, card issuance, and programmatic money movement.
Solutions that facilitate various payment methods including credit/debit cards, ACH transfers, wire transfers, and real-time payments.
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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards for handling cardholder data |
Stripe documentation explicitly states PCI DSS Level 1 compliance for all payment processing products, including Treasury. | |
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Two-Factor Authentication Requires two different authentication methods to verify user identity |
Stripe offers two-factor authentication via SMS, authentication app, and WebAuthn for platform access. | |
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Tokenization Replaces sensitive card data with unique identification symbols to protect customer information |
Tokenization is a core part of Stripe's approach to secure payment data, as per security documentation. | |
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End-to-End Encryption Data encryption throughout the entire payment process from initiation to completion |
End-to-end encryption is referenced in Stripe's security whitepaper for payment flows. | |
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Fraud Detection Systems Automated systems that flag suspicious transactions based on patterns and behaviors |
Stripe uses risk and fraud analysis tools in all processing flows including Treasury. | |
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Compliance Monitoring Ongoing monitoring of transactions for regulatory compliance |
Continuous transaction monitoring for compliance and fraud is part of Stripe's BaaS. | |
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Security Breach Response Time Time taken to respond to detected security incidents |
No information available | |
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Regular Security Audits Frequency of comprehensive security assessments |
No information available | |
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GDPR Compliance Adherence to General Data Protection Regulation standards for EU customers |
Stripe is GDPR compliant, as disclosed in privacy and compliance documentation. | |
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AML Screening Anti-Money Laundering screening capabilities integrated into the payment system |
Stripe supports automated AML screening through its BaaS partners and APIs. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric verification methods |
No information available | |
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Vulnerability Assessment Regular testing to identify security vulnerabilities in the system |
Stripe regularly undertakes third-party security testing including vulnerability assessments (see security docs). |
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Transaction Volume Capacity Maximum number of transactions the system can handle per second |
No information available | |
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Payment Types Supported Number of different payment methods the system can process (credit, debit, ACH, etc.) |
No information available | |
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Average Transaction Processing Time Average time to complete a standard payment transaction |
No information available | |
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Real-time Processing Ability to process payments in real-time rather than batch processing |
Stripe APIs are built to support real-time transaction initiation and reporting. | |
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Batch Processing Capabilities Ability to handle large volumes of transactions in batches |
Stripe provides batching features for bulk payouts and payment batch uploads. | |
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Cross-Currency Support Ability to process payments across different currencies |
Stripe processes in over 135 currencies and converts between them. | |
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Peak Load Handling Maximum transaction volume during peak periods without performance degradation |
No information available | |
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Recurring Payment Support Capability to handle automated recurring payment schedules |
Treasury can support recurring/automatic money movement and payments. | |
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Micropayment Efficiency Cost-effectiveness and efficiency in processing very small payment amounts |
Stripe processes high volumes of micro-transactions (see Stripe Billing and Payments docs). | |
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Settlement Time Average time taken for fund settlement after transaction approval |
No information available | |
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Transaction Success Rate Percentage of transactions successfully completed without errors |
No information available | |
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Smart Routing Intelligent routing of transactions to optimize for cost, speed, or approval rates |
No information available |
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API Availability Comprehensive APIs available for integration with other systems |
Comprehensive REST and webhook APIs available widely for Stripe Treasury. | |
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Core Banking System Integration Seamless integration capabilities with existing core banking platforms |
Stripe Treasury integrates seamlessly with core banking partners; Stripe partners with several banks and supports native API integrations. | |
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Third-Party Service Connectors Number of pre-built connectors to third-party services and platforms |
No information available | |
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Open Banking Compliance Adherence to open banking standards allowing secure data sharing |
Stripe supports open banking initiatives and provides open banking APIs for EU/UK regions. | |
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Mobile Banking Integration Built-in capabilities for integration with mobile banking applications |
APIs are compatible with mobile banking and treasury is designed for embedded finance in apps. | |
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E-commerce Platform Integration Ready integration with popular e-commerce platforms |
Stripe offers ready-made plug-ins for Shopify, WooCommerce and other e-commerce platforms. | |
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Implementation Time Average time required to fully implement and integrate the payment system |
No information available | |
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SDK Availability Software Development Kits available for different platforms and languages |
Stripe offers SDKs for Java, Ruby, PHP, Python, Go, .NET, and mobile platforms. | |
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Webhook Support Support for webhook notifications for real-time event communication |
Treasury uses Stripe's global webhook support infrastructure. | |
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Custom Integration Development Vendor support for developing custom integrations specific to the bank's needs |
Vendor supports custom integration for platforms embedding Treasury, as shown in solution architecture guides. | |
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Integration Documentation Quality Comprehensiveness and clarity of integration documentation |
Stripe provides very detailed and developer-friendly integration docs. | |
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Integration Testing Environment Availability of sandbox or testing environment for integration development |
Stripe provides a sandbox/testing environment for integration development. |
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Checkout Experience Customization Ability to customize the payment checkout experience for customers |
Stripe Checkout and Elements are fully customizable for white-labeled/embedded experiences. | |
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Mobile Responsiveness Payment interfaces automatically adapt to mobile device screens |
All customer-facing payment interfaces are mobile responsive by design. | |
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Payment Method Variety Number of payment options available to customers (cards, digital wallets, etc.) |
No information available | |
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Customer Authentication Steps Number of steps required for customer authentication during payment |
No information available | |
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Digital Receipt Options Ability to provide digital receipts through various channels (email, SMS, app) |
Receipts can be sent via email, in-app, or API through standard Stripe Treasury flows. | |
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Saved Payment Methods Capability for customers to securely save payment information for future use |
Stripe supports saving of payment credentials securely for future/repeat use. | |
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Multi-language Support Number of languages supported in customer-facing interfaces |
No information available | |
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Payment Status Notifications Real-time notifications to customers about payment status changes |
Webhooks & APIs notify customers of status changes in real time. | |
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White-label Capability Ability to brand payment interfaces with the bank's own branding |
White-labeling and full brand customization available for platforms integrating Treasury APIs. | |
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Accessibility Compliance Adherence to accessibility standards (WCAG) for users with disabilities |
Stripe UI components are WCAG 2.1 AA-compliant for accessibility. | |
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Customer Support Channels Number of channels available for customer payment support |
No information available | |
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One-click Payments Support for simplified one-click payment options for returning customers |
Stripe Checkout and API supports one-click payments for customer convenience. |
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Real-time Transaction Dashboard Interactive dashboard showing real-time payment activity |
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Custom Report Builder Tools allowing users to create customized payment reports |
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Predefined Report Templates Number of ready-to-use report templates for common payment analytics needs |
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Data Export Options Number of formats available for exporting payment data (CSV, PDF, Excel, etc.) |
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Historical Data Retention Length of time transaction data is stored and accessible for reporting |
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Automated Reporting Capability to schedule and automatically deliver reports |
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Payment Trend Analysis Advanced analytics tools for identifying payment trends and patterns |
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Customer Segmentation Analytics Tools for analyzing payment behavior across different customer segments |
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Fraud Pattern Detection Advanced analytics specifically designed to identify potential fraud patterns |
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Merchant Performance Analytics Tools for analyzing payment performance across different merchants or channels |
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Regulatory Reporting Templates Pre-built reports meeting regulatory requirements for payment reporting |
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API Access to Analytics Ability to access analytics data via API for integration with other systems |
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Transaction Fee Structure Clarity and competitiveness of per-transaction fee model |
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Average Per-Transaction Cost Average cost per payment transaction |
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Volume-Based Discounts Availability of reduced fees based on transaction volume |
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Implementation Cost One-time cost for system implementation and integration |
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Monthly/Annual Base Fee Recurring fixed cost regardless of transaction volume |
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International Payment Premiums Additional costs for processing international payments |
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Chargeback Fee Structure Costs associated with handling payment chargebacks |
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Pricing Transparency Clarity and comprehensiveness of pricing information |
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Contract Flexibility Flexibility in contract terms and ability to adjust services |
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Currency Conversion Fees Additional costs for currency conversion in cross-currency payments |
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Early Termination Fees Penalties for early contract termination |
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Premium Support Costs Additional costs for enhanced support levels |
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System Uptime Guarantee Guaranteed percentage of system availability |
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Disaster Recovery Time Time to restore system functionality after a major disruption |
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Redundancy Systems Multiple backup systems to prevent service interruption |
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Geographic Distribution Number of geographic regions with redundant data centers |
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Maintenance Downtime Average scheduled downtime for system maintenance per month |
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Load Testing Capability Maximum demonstrated transaction volume in load testing |
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Data Backup Frequency How often system data is backed up |
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System Response Time Average time for system to respond to a standard API request |
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SLA Enforcement Clear Service Level Agreements with penalties for non-compliance |
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Performance Degradation Threshold Transaction volume at which system performance begins to degrade |
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Automatic Scaling System automatically scales resources based on demand |
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Health Monitoring Tools Comprehensive tools for monitoring system health and performance |
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Contactless Payment Support Support for NFC and other contactless payment technologies |
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QR Code Payment Support Capability to process payments via QR codes |
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Buy Now Pay Later Integration Support for Buy Now Pay Later payment options |
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Cryptocurrency Payment Support Ability to accept payments in cryptocurrencies |
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Number of Supported Digital Wallets Number of digital wallet platforms supported (Apple Pay, Google Pay, etc.) |
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Voice-Activated Payments Support for voice-activated payment processing |
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Wearable Device Payment Support Compatibility with payments from wearable devices |
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IoT Payment Capability Support for Internet of Things payment scenarios |
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Social Media Payment Integration Direct integration with social media platforms for payments |
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Open Banking API Compliance Compliance with latest open banking API standards |
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Blockchain Technology Integration Use of blockchain for payment processing or verification |
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Innovation Release Frequency Frequency of new feature releases and updates |
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24/7 Support Availability Availability of technical support around the clock |
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Support Response Time Average time to respond to support inquiries |
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Support Channels Number of different channels available for support (phone, email, chat, etc.) |
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Dedicated Account Manager Assignment of a dedicated account manager for ongoing support |
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Implementation Support Level of support provided during system implementation |
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Training Resources Comprehensiveness of training materials and resources |
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User Documentation Quality Clarity and completeness of user documentation |
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Community Support Forum Availability of user community for peer support |
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Regular System Updates Frequency of system updates and improvements |
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Service Credits for Downtime Financial compensation offered for service disruptions |
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Post-Implementation Review Structured review process after implementation to ensure optimal configuration |
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Escalation Process Clear process for escalating unresolved issues to higher support levels |
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Maximum Transaction Capacity Upper limit of transaction volume the system can handle |
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Geographic Expansion Support Ease of expanding payment processing to new geographic regions |
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Multi-Entity Support Ability to support multiple business entities within the same system |
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New Payment Method Addition Time Average time required to add support for a new payment method |
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Scalable Pricing Model Pricing structure that scales efficiently with business growth |
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API Rate Limits Maximum number of API calls allowed per minute |
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Multi-Currency Expansion Ease of adding new currency support |
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Database Scalability Ability of the database to scale with growing transaction history |
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Feature Request Process Clear process for requesting and implementing new features |
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Custom Development Support Vendor support for custom development needs as the business grows |
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Backward Compatibility Ensuring new versions remain compatible with existing integrations |
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Growth Planning Support Vendor assistance with planning for future growth and scaling |
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