In the third and final installment in our three-part series, we examine the most important questions for the future of real-time payments: will they ever take off in the US and the UK, and will they emerge as a truly global payment method?

Card testing is one of the most significant fraud threats to Stripe, its users, and the broader financial ecosystem. Stripe’s machine learning–based approach—based on rapid detection and retraining—has led to successful card testing attacks on Stripe decreasing by 80% over the last two years.

To compete with other payment methods for consumer preference, real-time payments are expanding their “bundle” of services to include subscriptions, credit, and in-person transactions.

Payment methods are tightly woven into the economic and social fabric of a country. In most countries, the dominant means of exchange has rarely pivoted—and yet in many places around the world, it’s changing right now with real-time payments. Here’s why.

By applying ML to the process of navigating Strong Customer Authentication requirements, we’re helping users reduce checkout friction while lowering fraud and increasing authorization rates.

In our new report on the state of billing, we highlight trends and insights from more than 2,000 subscription business leaders from around the world. We learned that churn continues to be a looming concern, with 72% of survey respondents saying they are worried about churn impacting their bottom line.

Building our payment method A/B testing tool was an industry first, and we had to find creative solutions to some of the most complex scenarios in A/B testing. We’ll take you through some of the key decisions we made—and lessons we learned—along the way.

Give customers in France the option to pay with Alma, so they can choose to complete their purchase in two, three, or four installments—while you get paid immediately.

Earlier this month at Stripe Tour New York, we shared new ways to orchestrate and grow your revenue with Stripe Billing, including new features to help you better understand your revenue data and give you more flexibility in how you bill for usage. Let’s take a closer look at everything we launched.

Join us May 6–8 in San Francisco for Stripe Sessions, our annual user conference. This year, we’re doubling the number of breakout sessions, expanding our training program to give you more hands-on product support, and adding a demo stage to showcase more of Stripe’s key updates.