Stripe’s Post

RTPs aren't the right alternative for cards in every use case we use today. There are cases where the payment needs to be delayed, for example. If you order your Christmas or Thanksgiving turkey six weeks in advance with your grocery order, you don't want the funds to leave your account immediately. But we are getting to a point where RTPs will present some good competition to cards. I'm thinking about two challenges at the moment. First, what needs to happen for banks (as issuers) to give up their interchange from cards? Second is access to credit via RTP API-driven payments. Open banking in the UK is only an alternative to debit cards. For many merchants, this is a small percentage of transactions. If open banking is going to be a competitive alternative to cards, we need to see some way for users to access credit via these RTP-based services. Another challenge that I believe we need to solve in RTPs is the challenge of fraud. The chargeback arbitration model gives merchants and consumers trust in the system. Trust will drive the repeat usage we need for these payment schemes to become competitive.

Stripe is holding €3100 of my money for no reason. No explanation, no disputes, no chargebacks—just a payment provider refusing to release my own funds. This isn’t just frustrating, it’s unethical and likely a violation of financial regulations. As a business owner, I rely on access to my revenue, and Stripe’s actions are directly harming my operations. I won’t stay silent about this. If they can do this to me, they can do it to anyone. I’ll be making sure this issue is heard—on every post, comment, and partnership they’re involved in. Businesses deserve better than a payment processor that withholds their money without cause. If you’re using Stripe, be warned. This could happen to you too.

RTP's are relatively new, so they are catching on to users who value their technology speed, and I believe more businesses will be adding it as a payment of choice! 😺 🥛

No such thing, when STRIPE is blocking other corps funds .....

Great blog post series 🚀 hows Stripe embracing RTP?

Lets talk. For job.

Great insights on the future of real-time payments! Stablecoins are adding an exciting layer to RTPs, enabling seamless and instant value transfer across regions. It’s exciting to see how these two advancements are shaping a more connected and efficient payments ecosystem. 👍🏼

Go Marisa! This is fantastic!

The future of Stripe’s top management is in the jail.

I believe it has always been the case in the past, but compliance and regulatory guidance make it very hard to drive consistency here. I believe it will continue to be a challenging space