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1. a talk
TheFamily workshop
April 7, 2015
Money time
Cracking online payment for startups

2. Stripe allows businesses to easily accept web
and mobile payments
Founded in
2010
200MILLION
RAISED$
From Peter Thiel & Elon Musk,
A16z, Sequoia Capital, etc.
billionsprocessed
annually

3. Stripe allows businesses to easily accept web
and mobile payments
Founded in
2010
200MILLION
RAISED$
From Peter Thiel & Elon Musk,
A16z, Sequoia Capital, etc.
billionsprocessed
annually

4. Why you should care

5. Why you should care

6. Why you should care

7. Why you should care

8. 1. Get stuff done
2. Ace your payment UX
3. Think global from the start

9. 1. Get stuff done

10. Expectations
A simple and straightforward procedure

11. 1. Choose a payment gateway and apply for
a merchant account (i.e. contrat VAD) at
an acquiring bank (maybe a MSP, ISO or
processor)
2. Wait several days/weeks
3. Set up a PCI-DSS compliant backend,
audited every year
4. Integrate specific plugins (subscriptions)
or build them from scratch
5. Start again at step 1 to expand to a new
country
The reality

13. Things to consider for the setup

14. Speed of on-boarding and
amount of paperwork
5
On-boarding time
minutes Months

15. Quality of API and documentation
I want:
• to charge
• for €400
• the card which number, expiry
date and CVC are…
• with a description “Gift for
olivier@stripe.com”
A few hours
Integration time
Months

16. Things to consider for everyday use

17. Ease of use everyday
• Refunds
• Coupons
• Transfers
• Email receipts
• Failed payments
• Manage team
• Data exports
• Save card details

18. Chose an ecosystem rather
than a sole payment provider
• Calculate taxes
• Generate and send
invoices
• Track advanced metrics
• Get notified on your Slack
• Automate basic tasks
• Connect to your CRM/ERP
• …

19. SaaS metrics
Baremetrics

20. 2. Ace your payment UX

21. Minimize user input

22. Don’t redirect your user away

23. Bad for UX

24. Don’t let your payment provider
steal the customer from you
+17% in conversion for
these guys

25. Smartphone users (bn)
0
1.75
3.5
5.25
7
2005 2010 2015 2020
Don’t forget your mobile users

26. Mobile users convert much less
than desktop users

27. Mobile payment UX: can do better

28. Design and one-click payment
are crucial on mobile
-

29. Appropriate mobile design
• One-page form
• Placeholders
• Numeric keypad
• Minimal input:
autocomplete and
scan
• Reassure: error
messages and
feedback
• jQuery.payment

30. One-click payment

31. Smart fraud prevention
Humble Bundle
- 87% in fraud losses

32. 3. Think global from the start

33. The world is your playground
0
350
700
1050
1400
B2C e-commerce volume ($bn, 2014)
France EU EU + US World

35. +50% conversion rate in Japan

36. Not everyone uses credit cards
AliPay

37. Off to a good start!
5min Months
MonthsA few hours
+40%
-40%
-90%
60 Million 7 Billion
Onboarding time
Integration time
Conversion rate
Churn for
subscription / SaaS
Fraud
Adressable market

38. Thank you!
guillaume@stripe.com olivier@stripe.com