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New features to help SaaS platforms manage risk and stay compliant (opens in new tab)

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Stripe introduces three features aimed at helping platforms balance rapid onboarding with fraud prevention and compliance. The updates let platforms reserve user funds, customize risk and compliance controls, and tailor onboarding data collection by region. Together, they provide more control while reducing financial exposure and engineering effort.

Reserves for Risk Protection with Radar for Platforms

  • Platforms can place temporary reserves on user funds through the Stripe Dashboard or programmatically.
  • Reserves can use:
    • Fixed amounts
    • Rolling reserves
  • Custom Radar rules can identify high-risk businesses and automatically reserve funds to protect against disputes or insolvency.
  • Platforms can also hold funds from unusual transactions—such as orders with long delivery windows—and release them after the return period ends.
  • Radar’s risk signals are trained on more than $1.4 trillion in payment volume.

Specialized Controls for Trusted Platforms

  • Stripe Verified for platforms gives trusted platforms additional control over Stripe’s risk and compliance systems.
  • Platforms can extend deadlines for eligible risk and compliance tasks directly from the Dashboard.
  • Stripe may provide benefits tailored to specific industries or business models.
  • For example, property-management platforms may receive higher ACH limits to support rent collection during peak periods.

Flexible, No-Code Onboarding Workflows

  • Stripe’s updated embedded onboarding component lets platforms choose which information to collect from users.
  • Platforms can configure workflows for regional requirements, such as:
    • Proof of liveness in Singapore
    • Document uploads in Canada
  • Automatically updated components reduce engineering work by about 90%, from roughly 40 weeks to fewer than four.

Future Expansion

  • Stripe plans to add risk signals covering broader financial exposure beyond fraud.
  • Verified access will expand to more trusted platforms.
  • Additional controls for customizing onboarding and verification requirements are also planned.

Platforms can use these tools to build more targeted risk strategies, protect funds, support legitimate users, and launch in new markets with less compliance-related engineering effort.