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Stripe: Bitcoin

855 点作者 sunils34超过 10 年前

40 条评论

adriancooney超过 10 年前
What a fantastic product page. After less that 30 seconds, I knew exactly what Stripe was doing with Bitcoin, how to use the new feature and integrate it.<p>This is great news for Bitcoin. If all it takes is one extra line of code for online retailers to start accepting the currency, widespread adoption could sky rocket. That&#x27;s always been Bitcoin&#x27;s crutch, simple integration. Others like Coinbase and Bitpay have made it much easier to accept Bitcoin, but usually more services are required to accept other forms of payment. This simple catch-all solution is a game-changer. Congratulations Stripe.
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lisa_henderson超过 10 年前
The Bitcoin community might want to take a deep breath and recognize where Bitcoin has the most real-world use. The idea that my mom will someday use Bitcoin to buy books online is about as realistic as the belief that, any minute now, youngsters will realize that the daily newspaper is better read in paper form, because of the texture and experience and the anonymity of paper. For that matter, I am a computer programmer, and I love to play with new technologies, and I&#x27;m utterly unable to imagine why I&#x27;d ever want to pay with anything with Bitcoin.<p>There are a large number of people living in China who would like to get around the nation&#x27;s currency controls. There are a large number of people living in Russia that want to move money without being tracked. There are a large number of people living in Latin America who want to avoid taxes in their own countries. This is what drives the use of Bitcoin. The only large scale need for Bitcoin is criminal activity, in China, Russia, Latin America and elsewhere.<p>Currency regulated by the government is a classic &quot;good enough&quot; product. It might lack some features that would be nice, but 99% of the public doesn&#x27;t seem to care. Rather, they want more money, but they don&#x27;t want to change money. If they had real doubts about the currency, they would dump it in exchange for real goods. But instead, most people work hard to acquire more money, and they show no real concern with the standard proxies for currency (credit cards, checks, etc).
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mrb超过 10 年前
Stripe&#x27;s Terms of Service reveal that they use Coinbase in the backend to transact and exchange the bitcoins: <a href="https://stripe.com/bitcoin/terms" rel="nofollow">https:&#x2F;&#x2F;stripe.com&#x2F;bitcoin&#x2F;terms</a> If you are a small merchant planning to do less than $1-2 million dollars in sales, you might still prefer using Coinbase directly instead of Stripe though, because Coinbase waives all fees until the first $1 million dollars (then it&#x27;s 1%), but Stripe charges a constant 0.5% fee.<p>There is a tad more info from <a href="https://twitter.com/stripe" rel="nofollow">https:&#x2F;&#x2F;twitter.com&#x2F;stripe</a> :<p><i>&quot;Our Bitcoin support is now fully live: <a href="https://stripe.com/bitcoin" rel="nofollow">https:&#x2F;&#x2F;stripe.com&#x2F;bitcoin</a> .&quot;</i><p><i>&quot;It&#x27;s fully-integrated with the rest of Stripe: same APIs, same reporting, same dashboard. (Just like our Alipay support.)&quot;</i><p><i>&quot;While testing our Bitcoin support, we had people from 60 different countries use it to pay. (Howdy, Guatemala, Algeria, Rwanda, Cambodia!)&quot;</i><p><i>&quot;Particular thanks to @Namecheap, @Tarsnap, @HandUp, and @Grooveshark for their feedback as we developed this.&quot;</i><p><i>&quot;And as for <a href="https://stripe.com/bitcoin" rel="nofollow">https:&#x2F;&#x2F;stripe.com&#x2F;bitcoin</a> itself -- this is our first, but hopefully not last, page to feature an animated Vim.&quot;</i><p>For the record, Stripe&#x27;s Bitcoin support has been in beta since March 2014. Tarsnap were the first users: <a href="http://www.daemonology.net/blog/2014-03-27-tarsnap-bitcoin.html" rel="nofollow">http:&#x2F;&#x2F;www.daemonology.net&#x2F;blog&#x2F;2014-03-27-tarsnap-bitcoin.h...</a><p>Edit: @ThrustVectoring: it does not take 5 weeks of a developer&#x27;s time to integrate with Coinbase, especially for the &quot;small&quot; merchants (&lt;$1-2M in sales) that my comment was written for. But I agree the appeal of simplicity if you already take Stripe is there :)
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j42超过 10 年前
Honestly, this may be what it takes to see more mainstream consumer adoption.<p>A lot of the apps with high levels of penetration in this generalized demographic seem to use Stripe--if it&#x27;s truly a frictionless integration, it will be really interesting to see the market&#x27;s response.<p>Coinbase &amp; exchange API&#x27;s were the first step. Single-script hosted payment processing with a UI focus (accessible to tech and grassroots e-commerce alike) seems to be the next.<p>And to the Stripe team--Thank you!<p>I&#x27;ve used many merchant processors, from 2004 until now. Along with Braintree you paved the way for this future in MP, and overall created a brilliantly engineered system that&#x27;s a pleasure to work with.
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manuelflara超过 10 年前
I absolutely love the little animated step by step process shown of how it works. Is this done with an open source library?
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chris_va超过 10 年前
Question for Stripe folks.<p><i>At creation, Stripe guarantees an exchange rate that is usable for 10 minutes. If the customer sends bitcoin to the receiver after the 10 minutes have expired, we’ll still process the transaction but the conversion amount will no longer be guaranteed.</i><p>Say I am a merchant, and I want to make $10 on my transaction.<p>With a 0.5% fee:<p>- Without BTC, I charge $10.05 to the user, you take 5 cents, and I am left with $10.<p>- With BTC, I charge $10.05 to stripe, which gets converted to BTC at some exchange rate, and gets charged to the user. Does Stripe guarantee me $10? Or am I subject to the fluctuations of Stripe&#x27;s exchange rate (say the user takes 20 minutes to finish the transaction)? Is there any way to <i>guarantee</i> that I get paid $10 or the transaction fails?
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lbotos超过 10 年前
Any idea how stripe is handling confirmations? (I&#x27;m a bitcoin newbie, but I know that consensus took a minute or so the last time I had done anything with BTC.) Has that changed?
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aakilfernandes超过 10 年前
&gt; Stripe charges just 0.5% per successful Bitcoin transaction. There are no other fees.<p>Beautiful
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RemoteWorker超过 10 年前
I find it hilarious how Bitcoin haters (like the ones we have here on HN) say it&#x27;s never going to work, but then they spend hours every day trying to talk people out of using it.
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thucydides超过 10 年前
Who wants to use this most?<p>Porn companies. Their chargeback rates are obscenely high. And Bitcoins can&#x27;t be &quot;clawed back,&quot; as grubles put it.<p>ed: &quot;wants to&quot; instead of &quot;will&quot;
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roasbeef超过 10 年前
Disappointed to see that they don&#x27;t appear any PaymentProtocol[1] integration.<p>[1] <a href="https://github.com/bitcoin/bips/blob/master/bip-0070.mediawiki" rel="nofollow">https:&#x2F;&#x2F;github.com&#x2F;bitcoin&#x2F;bips&#x2F;blob&#x2F;master&#x2F;bip-0070.mediawi...</a>
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UXDork超过 10 年前
Okay, Stripe. Can I accept bitcoins and automatically convert them to USD? I need an instant conversion back to USD after the transaction so I don&#x27;t lose money due to volatility. Does stripe let merchants auto-convert their Bitcoin payments to USD? This would solve the problem entirely and I&#x27;d be happy to pass the extra savings on to customers.<p>I could probably give about a 6% discount because I wouldn&#x27;t take profit from the transaction savings.<p>In fact, given the fee is .05% of the transaction, this could be the first service to ever enable micropayments. Perfect for a lot of internet&#x2F;new technology services. The key is to convert the customer&#x27;s USD to bitcoin instantly, pay with bitcoin, and convert the received bitcoin back to USD instantly again.
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Animats超过 10 年前
<i>&quot;Avoid exchange rate hassles—specify amounts in USD and we’ll send you dollars.&quot;</i> Looks like another Coinbase reseller. Coinbase has a merchant program. They guarantee their buy price of Bitcoin for a minute or two, to cover the volatility between when the web site accepts the Bitcoins and Coinbase dumps them on an exchange. During periods of high volatility, this service is sometimes suspended.<p>Many shopping cart programs already accept Bitcoins and convert them through Coinbase. Few merchants accept Bitcoins and accept the conversion risk themselves. This kind of service has been available for the last year. It&#x27;s used a little, but not much.
borski超过 10 年前
I&#x27;m assuming this doesn&#x27;t work for recurring payments?
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diaz超过 10 年前
I&#x27;d never thought I&#x27;d read so many comments about people questioning whether using Bitcoins to buy anything is useful or not or even if people would use. Specially in a place like this with so many technology aware people.<p>Giving more choices for payment is good. Sellers are including more people that can pay for their services&#x2F;products. If nobody buys anything with bitcoin they lose nothing and business goes as usual. Simple.<p>Please get out of your bubbles and think a little more if you can&#x27;t find scenarios where people would use Bitcoins rather than money. In my case If I start seeing more places accepting Bitcoins it&#x27;s only more probable that I&#x27;ll use it and put more money in my wallet for that. I can remember of two places I could use Bitcoins right now: Humble Bundles and Namecheap. Given the choice and more sellers using it I will use that option more and more.<p>Some of the credit card scenarios people are talking is again US specific. If I want to pay for something quick and simple online I have to get really out of my way to do it. I don&#x27;t have credit cards and lots and lots of people don&#x27;t have them and avoid them. I don&#x27;t want to have one ever. Currently for me to pay anything online I have to go to MBNet to create a virtual credit card for each purchase I want to do. That card is valid for one purchase only and for a single shop&#x2F;seller. There&#x27;s another option where I can create a virtual card valid for one year but I can only use it in the same seller&#x2F;shop. Only after that can I use all those payments systems on the internet. If I want to be protected with Paypal I have to add and remove a card each time I need to use it. So lately I just input the virtual credit card info where sellers ask in their forms and don&#x27;t even care about paypal or amazon or anything else.<p>Basically I don&#x27;t really have much of any kind of protection anyway doing all this work above comparing to the simple use case of having bitcoins and just directly giving you the money without caring anymore. Plus I don&#x27;t have to keep looking at my credit card looking for any suspicious transaction that the seller could at any time issue to me. I give the money exactly that I want and I can just go with my life without thinking about it anymore.<p>And this is just my point of view. I can clearly imagine many people with very different reasons simply using Bitcoins if that option is available.<p>Now the only thing really missing is being able to implement a simple shop using Stripe from this side of the Atlantic :P.<p>Congratulations Stripe and keep the good work.
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veryluckyxyz超过 10 年前
Can someone tell how Stripe (or other providers) guarantee immunity from price fluctuations?
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TomAnthony超过 10 年前
Interesting that Stripe invested in Stellar (<a href="https://stripe.com/blog/stellar" rel="nofollow">https:&#x2F;&#x2F;stripe.com&#x2F;blog&#x2F;stellar</a>) which I couldn&#x27;t help think of as a &#x27;Bitcoin competitor&#x27;.<p>It makes sense that they still increase support for the more established&#x2F;famous cryptocurrency that is Bitcoin but I thought they would still be interested in somehow relating this to Stellar.
yellowapple超过 10 年前
Is there a way to just accept Bitcoin using this without automatically converting it into a fiat currency? That would make this complete for me.
jxm262超过 10 年前
&gt; Fluctuation-resistant - Avoid exchange rate hassles—specify amounts in USD and we’ll send you dollars.<p>I don&#x27;t think I fully understand this part. Does the exchange rate remain static for a period of time, or do they just mean to say it&#x27;s automatically converted for you? If the latter, how is this fluctuation resistant.<p>Regardless, I&#x27;m very happy. Been waiting for this to come out of beta.
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pugz超过 10 年前
This is fantastic. However, I couldn&#x27;t see any mention of a Bitcoin-specific minimum charge. Is it still 50c as per Stripe&#x27;s existing documentation[1]?<p>[1]: <a href="https://support.stripe.com/questions/smallest-amount-to-charge" rel="nofollow">https:&#x2F;&#x2F;support.stripe.com&#x2F;questions&#x2F;smallest-amount-to-char...</a>
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nailer超过 10 年前
Greg Brockman from Stripe said this is exactly what it would take for BTC to take off commercially a year ago:<p>(after discussing why regular people probably don&#x27;t want to store value in BitCoins)<p>&gt; However, Bitcoin has huge potential as a way to transport value. It’s surprisingly difficult to move money today ...compounding the issue, value transport becomes especially challenging as soon as there’s a regional border involved.<p>&gt; Cryptocurrencies have given us a real opportunity to solve these problems.<p><a href="https://stripe.com/blog/bitcoin-the-stripe-perspective" rel="nofollow">https:&#x2F;&#x2F;stripe.com&#x2F;blog&#x2F;bitcoin-the-stripe-perspective</a>
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veesahni超过 10 年前
Is this available to canadian stripe accounts too or just US?
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stefanobernardi超过 10 年前
By enabling BTC payments, does this mean that Stripe will change the list of &quot;prohibited&quot; uses? That list is in line with what are usually high-risk card transactions, but by removing that risk (almost) entirely, it seems like this could finally enable a wave of new commerce on diverse and neglected categories.<p>I&#x27;m probably assuming a no as they&#x27;ll want to keep the card AND bitcoin and not do jut BTC, but a man can dream.
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Toadsoup超过 10 年前
This is great and I intend on giving it a shot to accept bitcoin in the near future.<p>I would like to see it as an option to keep bitcoin rather than having it automatically exchanged to USD on my behalf.<p>It would allow people to assess their own risk tolerance if they wanted to hold bitcoin or if they had other services that work well with bitcoin.
amelius超过 10 年前
Could this mean we will soon be moving towards micropayments?<p>And perhaps less dependence on app stores?
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knwang超过 10 年前
Congrats team Stripe! Fantastic feature as always.<p>In our case, we promise full refund if our users are not happy with our service. Is there a way to refund customers bitcoins as easy as how it is currently with credit cards?
MMateus超过 10 年前
Great news! I wish Stripe can be available in more countries soon.
hippich超过 10 年前
What customer loose when paying with bitcoin - protection. On the other hand when customer pays with credit card, merchant essentially do not have protection. But merchants cover that by increasing price to cover accidental fraud. Therefore merchants should lower price by 2-3% (credit card processing fees) + 5%-25% (not sure about exact amount) to cover lost protection by customer and gained protection for business.<p>When this happen, I bet there will be some people who will be alright getting better price in exchange for loss of some protections. Otherwise it doesn&#x27;t make sense now to not use credit card.
27182818284超过 10 年前
What is the &quot;open wallet&quot; step? That can&#x27;t mean I <i>have</i> to have a wallet with Stripe, can it?
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heathermiller超过 10 年前
A &quot;how it&#x27;s made&quot; of the amazing product intro&#x2F;page would be a very nice read!!
isthisforme超过 10 年前
Can someone explain if a Canadian stripe merchant processing in US dollars can use this?
brosky117超过 10 年前
I&#x27;m not really into front-end but man...that page was beautifully executed.
badgercapital超过 10 年前
Wow.. I know a few startups that just killed after this announcement.
TACIXAT超过 10 年前
Hey Stripe, are you reading this?<p>I&#x27;m deciding between payment processors right now. I plan to have excessively low prices, in the range of 1 dollar per year. PayPal and Amazon offer micro transaction pricing at 5 cents + 5% of each transaction. Care to compete?
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clamprecht超过 10 年前
Does it allow bitcoin-paid monthly subscriptions?
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kanwal超过 10 年前
Can this be used in India ?
ericfrederich超过 10 年前
Too bad BitCoin isn&#x27;t default and more of an opt-out kind of thing. Eventually...
logicallee超过 10 年前
why do we - normal people - want to handle a currency free of any legal oversight or reversibility&#x2F;traceability even in the case of outright theft?<p>see this story of ours just from the past month -<p><a href="https://news.ycombinator.com/item?id=9053621" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=9053621</a><p>they know exactly who did it and why&#x2F;how it happened...<p>what advantage is there to the coins themselves being completely untraceable, transactions completely irreversible?<p>suppose your net worth is largely a matter of the value of your startup at its last valuation. would you prefer to just have that many hundred thousand dollars in cash in your home? But with the added benefit that it can disappear at a distance without anyone visiting your home?<p>Bitcoin is great but isn&#x27;t it about time to put a sane banking layer on top of it?<p>Note: like all sane people I believe in a mix of government oversight and personal freedom, maybe 90% the latter. But having an untraceable currency doesn&#x27;t make me any more free. Unlike every tech luminary, Satoshi can&#x27;t even identify himself.
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curiously超过 10 年前
I just don&#x27;t think this is useful unless you were offering a service that only works with bitcoins. The wide adoption won&#x27;t change Bitcoin, it&#x27;s the unpredictable and manipulative market pricing that makes me hesitant to accept it.<p>With USD you know that if you got 100 it won&#x27;t turn into $10 in a few weeks but the reality with bitcoin is that the threat exists
diltonm超过 10 年前
If Stripe is doing Bitcoin then I now know to stay from and recommend others to say away from Stripe.