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This feels rich. Compare: Adyen: $29.408B right now at Yahoo Finance. PayPal: $41.51B right now. https://finance.yahoo.com/quote/ADYEN.AS/ https://finance.yahoo.com/quote/PYPL/
Stripe is reportedly proposing to buy PayPal.[1] [1] https://www.cnbc.com/2026/02/24/paypal-stock-stripe-acquisit...
Have been waiting for a wallet product from Stripe for a while, but maybe less juicy margins than on top of credit card fees?
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The path to declaring yourself accredited is uniquely easy. Just say it. The whole space is deeply unregulated and unaudited. What makes it insane is that those middleman are making a small fortune exploiting this loophole protecting large companies from being forced to go public. The number is 2000 private investors. Rest assured, more than 2000 individuals have money in Stripe today. It's a total scam.
Yep. I know several people who became accredited investors through one simple trick: they lied. No one actually checks.
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Not really. You still have to be an accredited investor AND financially savvy enough to have the awareness of what syndicate deals are and how to find them and participate.
> You still have to be an accredited investor Which means that you have to be able to repeat after me “I am an accredited investor”, that’s the actual full list of requirements.
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How exactly?
Robinhood just launched a new ventures vehicle and Stripe could be "supposedly" part of it. Robinhood Ventures Fund I (RVI),
This is the footnote regarding Stripe: "New deal incoming: RVI has entered a binding agreement to invest in Stripe, Inc. This investment is expected to close after RVI’s IPO, subject to meeting customary closing conditions. Note: This deal isn’t guaranteed to close."
Visa is valued at $585B and Mastercard is valued at $444B. Is Stripe making more revenue per transaction than Visa and Mastercard?
But it’s not so simple, because Stripe faces liability for merchant fraud. If you are high volume you negotiate IC+, where the plus is .1%-.4%.
The valuations price in expected growth as well as unit economics. Mastercard doesn’t have as much room to grow because cards already saturate consumer payments.
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Stripe needs all that byzantine fraud prevention, on top of what they had a decade ago, because they are a huge concentrated target. A smaller firm could be way simpler. Because they simply wouldnt have enough money to provide a decent payday for dozens of malicious geniuses going at them 24/7/365.
Stripe was already a big target for basically anyone and anything 10 years ago. Fake merchants, card testers, the works. People were selling guides to defraud Stripe. And we are not even counting just losees due to nonsense like the Fyre festival. You really don't have to be that big a payment processor for dozens of malicious geniuses to decide that they want to fleece you. If anything, the ROI is better in less sop…
If someone could reasonably expect a cushy 40 hour/week seven figure job, even a malicious personality wouldn’t risk criminal fraud without a much much bigger payout.
And to have dozens focusing on one company…
So anyone handling under a few hundred million per day are safe from that kind of coordinated attack.
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Yep. I know several people who became accredited investors through one simple trick: they lied. No one actually checks.
And now they’ve thrown their legal rights away should any dispute arise. Wouldn’t recommend this strategy.
But they had the option of buying VOO or whatever broad market index the entire time, so I don’t see the need to protect people who feel the need to gamble.
however as a comparison -- how much JP Morgan payments would be valued if a separate entity ?
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Yep. I know several people who became accredited investors through one simple trick: they lied. No one actually checks.
And now they’ve thrown their legal rights away should any dispute arise. Wouldn’t recommend this strategy.
I remember when Stripe started and it was super fun to set it up as a developer and build stuff. Today I find it does way too much for small projects and the fees are too high. Does anyone knows of good alternatives for that? (Someone recently shared https://astrafi.com/ with me and it seemed promising, with much better fees, but I haven't tested or used anything other than Stripe)
Helcim takes ages to respond to tickets. They still haven't fully set up my account after weeks. You can't just do sandboxes or dev mode by default; you have to speak to a human via email who sets it up for you and provide the test card numbers. It takes ages.
The rates are much better and once it's fully set up and integrated, I guess it'll be fine? I'm not looking forward to needing support and adding further integrations.
I guess the moral here is that Stripe has gotten worse for small projects, but it's still really good.