Stripe Announces New Payment Methods Including PayPay and Partnership with DeNA

Stripe held its "Stripe Payment Summit 2025" to introduce its latest initiatives, announcing new features including PayPay online version and card installment payments, as well as a new partnership with DeNA. Stripe processes $1.4 trillion in payments (approximately 210 trillion yen), equivalent to about 1.3% of global GDP, and engages in various payment and financial initiatives.

The main product and business updates announced are as follows.

PayPay Launch

Stripe is adding PayPay online payments, Japan's largest QR code payment service with 68 million registered users. PayPay will be the first Japan-originated QR code payment method available on Stripe.

Takeshi Kasakawa, Executive Officer at PayPay Corporation, states: "We've been looking forward to realizing this partnership with Stripe, which has extensive experience implementing online payments worldwide. By offering PayPay online payments as a new option for Stripe users, we will provide a safe, secure, and comfortable payment experience. With PayPay, you can also promote usage among younger demographics who don't have credit cards. Please consider implementing PayPay online payments on this opportunity."

DeNA Pay Adopts Stripe as Payment Partner

DeNA Pay is a third-party prepaid payment system that allows DeNA account holders to make payments within pre-charged amounts at supported services. It is compatible with the official app "BAYSTARS STAR GUIDE" that makes baseball viewing at Yokohama Stadium more convenient, and the official resale service "BayTicket Resale."

Kenta Sugawara, Head of the Solution Division at DeNA Co., Ltd., states: "We adopted Stripe with its high availability for DeNA Pay payments. Stripe not only has engineer-friendly sophisticated product design and comprehensive development documentation and SDKs, but also highly effective fraud prevention using AI with Radar, enabling us to improve payment success rates while reducing operational costs."

Card Installment Payments Launch

Stripe has launched installment payment functionality for credit card payments. With the spread of cashless payments and expansion into corporate sectors, the credit card market continues to grow, with market size projected to reach approximately 158 trillion yen by 2028. Installment payments, which allow payment to be split over multiple payments, are a popular payment method that reduces payment burden. However, with traditional installment payments, funds are typically deposited at the end of the month, and in some cases even months later, making it difficult to track deposit timing, which can be a hurdle for implementation.

Kyohei Nakano, Co-founder and Director of Atmoph Inc., a Kyoto-based startup developing virtual windows that has implemented Stripe's installment payments, comments: "At Atmoph, in addition to subscription sales of landscape content using Stripe Billing, we have now implemented Stripe's card installment payments for hardware sales. This allows flexible payment options including installments up to 60 payments, bonus payments, and revolving payments, enabling us to deliver Atmoph Window Yo to more customers. We would like to further strengthen our overseas expansion and allow people around the world to enjoy landscapes."

Stripe's installment payments allow deposits within 4 business days, the same as credit card deposits. Full amount sales deposits are possible, improving cash flow. No additional payment fee rates are incurred, and no major implementation work is required.

Strengthening 3D Secure (EMV-3D Secure) and Fraud Prevention

Credit card fraud damages exceeded 55.5 billion yen in 2024. As damages increase, the "Credit Card Security Guidelines" for online businesses have been updated, making 3D Secure 2.0 implementation mandatory. However, there is a growing trend of companies experiencing reduced payment success rates and impact on sales as strict fraud measures may erroneously block legitimate users.

Stripe's fraud prevention uses a fully in-house developed authentication engine powered by AI that automatically determines when to apply 3D Secure. This advanced engine constantly updates exclusion rules for 3D Secure, requiring no manual intervention from users. Stripe also offers the fraud prevention tool Stripe Radar and payment solutions on a single platform. Stripe Radar achieves high-precision fraud detection through machine learning risk assessment utilizing hundreds of signals including card type, country of use, device, and behavior. This approach allows for optimal balance without sacrificing sales.

Supporting Japan's First Network Tokens

Stripe has begun supporting network tokens, a first in Japan. As credit card fraud increases, holding credit card information is considered a risk. 92.5% of fraud involves stolen card numbers. Information leaks are becoming more frequent, and according to National Police Agency investigations, about 40 domestic e-commerce sites, including a major coffee chain, have leaked personal information including card numbers due to unauthorized access over the past five years. Network tokens, next-generation payment authentication technology, are gaining attention as a solution.

Network tokens are payment authentication information that replaces numbers found on credit cards. When a credit card is lost or expires, the network automatically updates the token, eliminating the need for customers to manually enter information. This keeps payment information current, reduces opportunity loss through stable and fast processing, and eliminates information management risk through encryption of customer information.