Import non-Stripe data into Capital underwriting非公開プレビュー

Connect platforms now have the capability to offer financing to their connected accounts, regardless of whether they process payments with Stripe. Sharing non-Stripe payments data gives Stripe Capital a more comprehensive view of your users’ entire business profile and increases their access to financing options. This includes payment volume from other payment processors and offline transactions, such as cash and checks. Stripe Capital incorporates these non-Stripe transactions to potentially expand eligibility coverage, increase loan offers, and decrease premium rates.

はじめに

Enabling this functionality includes the following steps:

1. Sign up for the waitlist. We’ll contact you shortly when you can be added to the private preview.
2. Prepare 24 months of your third-party data for sharing. Refer to the required attributes for our underwriting models listed below.
3. After you’re added into the preview, you need to share the 24 months of historical data. Stripe validates the required attributes and data quality and sends you a lift estimate for your program.
4. If you send financing offer emails to your connected accounts through the Capital API, you need to update your email communications to connected accounts to support new loan products.
5. Plan to set up an API-based automated daily data sharing process. After you begin sharing data daily, your connected accounts eligibility increases within 5 business days.

データの収集と準備

Collect transaction data such as alternative payment processing volume and cash or check transactions to import into Stripe as CSV files. Also include Stripe transactions, which we use to validate your data integration. Ensure that your data is compatible with the CSV format below. All attributes are required unless otherwise noted.

Preliminary Stripe Capital analysis

To analyze the potential impact on offer generation from sharing additional non-Stripe data, we request a one-time upload of 24 months of historical data. We review the CSV file to ensure it meets the required attributes and process the data through our underwriting models. We share the assessment results for your review, allowing you to decide whether to set up a daily automated import for continued expanded eligibility.

毎日の自動データインポートを設定する

After completing the preliminary analysis, configure a daily automated upload using the Stripe API or Amazon S3 data connector. Upload data daily to maintain accurate and up-to-date information. Keeping a real-time view of your users’ financial health enables us to make more informed underwriting decisions. Setting up a daily automation now means no additional action will be required to benefit from future expanded eligibility opportunities with new underwriting models.

データコネクターによる定期的な自動ファイルインポート

If your transactional data files are stored in S3, use the Amazon S3 data connector to import these files into Stripe. Follow Stripe connector for Amazon S3 to set up your connector. The max file size imported through the data connector is 1GB.

Stripe API を使用した自動データアップロード

1. Use the File Upload API to securely send documents to Stripe. To upload a file, send a multipart or form-data request to https://files.stripe.com/v1/files. The subdomain files.stripe.com is different from most of Stripe’s API endpoints. The request must specify the data_management_manual_upload purpose and a CSV file of your templated third-party data. The maximum file size you can upload through the API is 50 MB.

   次の例では、成功した場合にファイルオブジェクトが返され、ローカルファイルシステムの /path/to/a/file.jpg にあるファイルをアップロードします。

   Command Line

   curl https://files.stripe.com/v1/files \
     -u 
   sk_test_BQokikJOvBiI2HlWgH4olfQ2
   : \
     -F file="@/path/to/a/file.csv" \
     -F purpose=data_management_manual_upload

2. Data Management API を使用して、ImportSet オブジェクトを作成します。ImportSet は、サードパーティーのデータファイルを Stripe のデータ管理ダッシュボードにインポートするリクエストを表します。Data Management API はベータ版であるため、リクエストにベータヘッダー Stripe-Version: 2024-12-18.acacia;udap_beta=v1 を指定します。

   次の例では、前の手順で File Upload API を返した file_abcdef から ImportSet オブジェクトを作成しています。

   Command Line

   curl https://api.stripe.com/v1/data_management/import_sets \
     -H "Stripe-Version: 2024-12-18.acacia;udap_beta=v1" \
     -u 
   sk_test_BQokikJOvBiI2HlWgH4olfQ2
   : \
     -d file="file_abcdef" \
     --data-urlencode source_data_format="gsdf_61S7vBSIsrNXP3yYM5G6S"

テストのファイルのアップロードと ImportSet オブジェクトを作成するには、リクエストでテスト API キーを使用します。

Borrower Experience

Sharing third-party data for your connected accounts from other processors, as well as cash or check payments, provides more inclusive financing options for businesses, regardless of where their payments are processed. Borrowers can receive tailored fixed-term loan offers that reflect their overall revenue, not just the volume processed through Stripe. This approach ensures better eligibility rates and more relevant financing offers, enabling businesses to access the capital they need to grow in a competitive landscape.

Here is an overview of the differences between flex loans and fixed term loans:

If you currently send out your own financing offer emails via the Capital API, you need to update your email communications to support this new fixed term product. Making this change now enables you to take advantage of new capital products in the future without any additional work.

Here is a template for updating your email communications: