PaymentIntent state machine
Modern Stripe API centers on PaymentIntent. Represents a payment's lifecycle: requires_action → processing → succeeded / failed. Idempotent.
PaymentIntent state machine
Modern Stripe API centers on PaymentIntent. Represents a payment's lifecycle: requires_action → processing → succeeded / failed. Idempotent.
Vault stores card data
Full PCI DSS Level 1 vault. Merchants never store card numbers. Stripe returns a token; merchants use tokens.
Radar fraud detection
ML on billions of transactions. Adaptive. Runs in <100ms during authorization. Fed by data from every Stripe merchant.
Routing across acquirers
Stripe holds relationships with multiple acquirers. Routes transactions for cost, approval rate, retry logic. Merchant is unaware.
Webhooks are the async output
Async events (charge succeeded, refunded, disputed) delivered via webhook. Guaranteed at-least-once delivery. Merchant handles idempotency.