Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 786 companies across 12 categories.
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Founded in 2010 as a radically simple payments API for developers, Stripe rapidly expanded beyond payment acceptance into a full financial infrastructure platform. Starting around 2016–2018, Stripe layered in Connect (multi-party payouts), Issuing (card creation), and Billing, positioning itself as the financial OS for internet businesses. The 2020 launch of Stripe Treasury marked its most significant pivot — from a PSP into a BaaS provider selling embedded banking to platforms. By 2024–2025, Stripe was competing across nearly every embedded finance layer: payments, issuing, treasury, lending, tax, FX, and identity, with a stated valuation of ~$159B on $1.9T in annual payment volume.
Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/stripe/install" width="1" height="1" alt="" style="display:none">786 companies disclose Stripe in their stack in the Embedded Finance Index 2026, including pathway, Számlázz.hu, Spiris, Meuze, TeamUp, Billy, Breezeway, Allica Bank, Stake Rent, Xplor Technologies and 2 others.
Stripe is an embedded-finance provider in PSP, FX / Payouts, BaaS, Card Issuing, KYC, Tokenization, Tax, Open Banking and 4 others. It ranks #1 of 537 PSP providers by disclosed buyers.
Stripe has applied for a national trust bank charter for Bridge National Trust Bank with the OCC. Status: conditional approval (2026-02-12).
The most-disclosed PSP alternatives to Stripe are Adyen (278 buyers), PayPal (152 buyers), Checkout.com (113 buyers), Worldpay (89 buyers), mollie (62 buyers) and Braintree (56 buyers).
Stripe was founded by Patrick Collison and John Collison and is founded in 2010, headquartered in South San Francisco, California, USA and Dublin, Ireland.
Stripe has raised >$8B in total.
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