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Pair either with the Depot 3-layer agentic treasury stack (/playbooks/agentic-finance)."},"cheapest":null,"recommendedWorkloadQuote":{"providerId":"stripe","providerName":"Stripe","skuId":"stripe-card-processing-base","item":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","plan":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge) — Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume)","unit":"usd_per_transaction","amountUsd":0.3,"outputSkuId":null,"outputItem":null,"outputAmountUsd":null,"outputUnit":null,"sourceUrl":"https://stripe.com/pricing","asOf":"2026-10-28","pricingLastVerifiedAt":"2026-10-28","isFlagshipForJob":true,"differsFromFloorCheapest":false,"representativeQuote":{"skuId":"stripe-card-processing-base","item":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","plan":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge) — Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume)","amountUsd":0.3,"inputOrUnitUsd":0.3,"unit":"usd_per_transaction","outputUsd":null,"outputUnit":null,"sourceUrl":"https://stripe.com/pricing","asOf":"2026-10-28"},"estimatedTaskCost":{"tasks":1000,"retryAndToolOverheadMultiplier":1.15,"retryToolOverheadMultiplier":1.15,"unitsPerTask":1,"baseCostPer1kTasksUsd":300,"totalUsd":345,"estimatedTotalUsd":345,"perTaskUsd":0.345,"estimatedCostPerTaskUsd":0.345,"formula":"(1,000 tasks * 1 unit/task * 0.3/transaction) * 1.15 overhead","assumptions":"1,000 tasks @ 1 unit/call per task in job native unit with 1.15x retry overhead."}},"representativeQuote":{"skuId":"stripe-card-processing-base","item":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","plan":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge) — Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume)","amountUsd":0.3,"inputOrUnitUsd":0.3,"unit":"usd_per_transaction","outputUsd":null,"outputUnit":null,"sourceUrl":"https://stripe.com/pricing","asOf":"2026-10-28"},"estimatedTaskCost":{"tasks":1000,"retryAndToolOverheadMultiplier":1.15,"retryToolOverheadMultiplier":1.15,"unitsPerTask":1,"baseCostPer1kTasksUsd":300,"totalUsd":345,"estimatedTotalUsd":345,"perTaskUsd":0.345,"estimatedCostPerTaskUsd":0.345,"formula":"(1,000 tasks * 1 unit/task * 0.3/transaction) * 1.15 overhead","assumptions":"1,000 tasks @ 1 unit/call per task in job native unit with 1.15x retry overhead."},"freeAlternatives":[],"referenceDocs":[],"falsification":{"jtbdId":"agent-banking-treasury","jtbdName":"Startup & Agent-Fleet Banking, Treasury & Programmable ACH/Wire Rails","currentPickId":"stripe","currentPickScore":8.91,"challengerId":"lithic","challengerScore":8.75,"currentScoreGap":0.16,"minVerifiedOutcomes":10,"requiredOutcomeMargin":0.31,"requiredSuccessRateDelta":0.15,"maxPickPriceIncreasePct":25,"whatWouldChangePick":["Lithic (lithic) outperforms Stripe (stripe) by >= 0.31 outcome points (or >= 15% worked-rate delta) across >= 10 Countersign-verified production outcomes.","A verified price increase > 25% on Stripe's representative SKU for agent-banking-treasury without a corresponding capability gain.","Live caller rail exhaustion (?exhausted=stripe) or sustained >= 30% degraded/failed rate in verified production outcomes."],"frozenHoldoutPolicy":{"holdoutSplit":"20% frozen benchmark holdout tasks + 80% live production outcome receipts","requireCountersignReceipt":true,"requiredEvidenceTiers":["outcome_verified","reference_checked"],"minDistinctContributors":2,"antiGamingRule":"Unverified self-reports and seed/editorial rows never mutate picks or scores."},"triggers":[{"kind":"verified_outcomes_outperformance","challengerId":"lithic","minVerifiedOutcomes":10,"requiredOutcomeMargin":0.31,"requiredWorkedRateDelta":0.15},{"kind":"verified_price_increase","providerId":"stripe","maxPriceIncreasePct":25},{"kind":"live_rail_exhaustion_or_degradation","providerId":"stripe","immediateOverrideUrl":"/api/decide?jtbd=agent-banking-treasury&exhausted=stripe"}],"submissionSpec":{"falsifyEndpoint":"/api/falsify?jtbd=agent-banking-treasury","outcomesEndpoint":"POST /api/feedback","correctionsEndpoint":"POST /api/corrections","payloadTemplate":{"agentIdentity":"agent:<your-agent-id>","jtbdId":"agent-banking-treasury","providerId":"lithic","outcome":"worked","detail":"Comparative production evaluation on agent-banking-treasury (n>=10 tasks) with Countersign receipt.","confidence":"high","receipt":{"countersign":{"claim_id":"cs-00000000","status":"verified","evidence_tier":"outcome_verified","counts_as_verified":true}}}}},"whatWouldChangePick":["Lithic (lithic) outperforms Stripe (stripe) by >= 0.31 outcome points (or >= 15% worked-rate delta) across >= 10 Countersign-verified production outcomes.","A verified price increase > 25% on Stripe's representative SKU for agent-banking-treasury without a corresponding capability gain.","Live caller rail exhaustion (?exhausted=stripe) or sustained >= 30% degraded/failed rate in verified production outcomes."],"routePlan":{"jtbdId":"agent-banking-treasury","primary":{"providerId":"stripe","name":"Stripe","overall":8.91,"scoreBand":{"low":8.4,"mid":8.9,"high":9.4,"halfWidth":0.5,"basis":"editorial_prior","display":"8.4–9.4 (editorial prior)"},"scoreLayers":{"editorialPrior":8.91,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-28","editorialPriorAsOf":"2026-10-28","role":"primary","reason":"Editorial Depot Pick for Startup & Agent-Fleet Banking, Treasury & Programmable ACH/Wire Rails; 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Treat them as co-picks and use the workload tie-breaker rule below rather than the raw composite decimal.","tieBreakerRule":"Mercury API + IO virtual cards when you want a startup operating bank with a read/write REST API and merchant-locked cards out of the box; Increase when you need direct FedACH/Fedwire/RTP rails and a ledger-grade API (no BaaS middle layer); Column when you need a natively chartered developer bank (direct Fed access, own BIN sponsorship); Wise Platform for multi-currency accounts and low-spread FX payouts. Mercury, Increase, Column and Wise are architectural guidance only — they are not rows in the frozen 305-provider catalog, so Depot does not score or price them."},"decidingFactor":"maturity (9.8 vs 8.8)","tieNote":"Top pick (8.91) and #2 runner-up (8.75) are separated by 0.16 points (<= 0.35 weight-sensitivity band). Treat them as co-picks and use the workload tie-breaker rule below rather than the raw composite decimal.","rationale":"Stripe Treasury (financial accounts, ACH/wire money movement) + Financial Connections + Issuing gives one API surface and one webhook stream for balances, payouts and card controls; Lithic is the issuer-processor runner-up when you need dedicated card programs with real-time auth decisions. Pair either with the Depot 3-layer agentic treasury stack (/playbooks/agentic-finance).","whenNotTopPick":"Mercury API + IO virtual cards when you want a startup operating bank with a read/write REST API and merchant-locked cards out of the box; Increase when you need direct FedACH/Fedwire/RTP rails and a ledger-grade API (no BaaS middle layer); Column when you need a natively chartered developer bank (direct Fed access, own BIN sponsorship); Wise Platform for multi-currency accounts and low-spread FX payouts. Mercury, Increase, Column and Wise are architectural guidance only — they are not rows in the frozen 305-provider catalog, so Depot does not score or price them.","whenNotTopPickRules":[{"ifConstraint":"escape_hatch_clause_1","recommendedProviderId":"lithic","activeModelOrSku":"lithic-starter-platform","reason":"Mercury API + IO virtual cards when you want a startup operating bank with a read/write REST API and merchant-locked cards out of the box"},{"ifConstraint":"escape_hatch_clause_2","recommendedProviderId":"polar","activeModelOrSku":"polar-mor-fee-base","reason":"Increase when you need direct FedACH/Fedwire/RTP rails and a ledger-grade API (no BaaS middle layer)"},{"ifConstraint":"escape_hatch_clause_3","recommendedProviderId":"polar","activeModelOrSku":"polar-mor-fee-base","reason":"Column when you need a natively chartered developer bank (direct Fed access, own BIN sponsorship)"},{"ifConstraint":"escape_hatch_clause_4","recommendedProviderId":"polar","activeModelOrSku":"polar-mor-fee-base","reason":"Wise Platform for multi-currency accounts and low-spread FX payouts"},{"ifConstraint":"escape_hatch_clause_5","recommendedProviderId":"polar","activeModelOrSku":"polar-mor-fee-base","reason":"Mercury, Increase, Column and Wise are architectural guidance only — they are not rows in the frozen 305-provider catalog, so Depot does not score or price them."}],"bootstrap":{"authType":"api_key","envVars":["STRIPE_SECRET_KEY","STRIPE_WEBHOOK_SECRET"],"signupUrl":"https://dashboard.stripe.com/register","apiKeyUrl":"https://dashboard.stripe.com/apikeys","docsUrl":"https://docs.stripe.com/agents","mcpServer":"npx -y @stripe/mcp --tools=all","cliInit":"stripe login","sdkInstall":{"npm":"npm install stripe @stripe/agent-toolkit","pip":"pip install stripe"},"installCommand":"npm install stripe","activeModelOrSku":"stripe-card-processing-base","canonicalSnippet":"import Stripe from \"stripe\";\nconst stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);\nconst balance = await stripe.balance.retrieve();","verifyCommand":"curl -sS https://api.stripe.com/v1/balance -u \"$STRIPE_SECRET_KEY:\""},"quickstartSpec":{"installCommand":"npm install stripe","envVars":["STRIPE_SECRET_KEY","STRIPE_WEBHOOK_SECRET"],"activeModelOrSku":"stripe-card-processing-base","canonicalSnippet":"import Stripe from \"stripe\";\nconst stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);\nconst balance = await stripe.balance.retrieve();","sdkInstall":{"npm":"npm install stripe @stripe/agent-toolkit","pip":"pip install stripe"},"verifyCommand":"curl -sS https://api.stripe.com/v1/balance -u \"$STRIPE_SECRET_KEY:\"","apiKeyUrl":"https://dashboard.stripe.com/apikeys","docsUrl":"https://docs.stripe.com/agents","mcpServer":"npx -y @stripe/mcp --tools=all","bootstrapReason":null},"operationalGotchas":[{"code":"hidden_spend_tier_gates","severity":"warning","summary":"Fees add up globally","sourceDate":"2026-10-28"},{"code":"hidden_spend_tier_gates","severity":"warning","summary":"Account review risk","sourceDate":"2026-10-28"}],"relatedPacks":[],"skipTopPick":false,"skipReason":null,"matchedConstraints":[],"unsupportedConstraints":[],"malformedConstraints":[],"conflictingConstraints":[],"constraintDigest":"sha256:eb9d397ca67bcf6889704910eeb3a58796ea2ef5e54fb6289c71f6114f2c67a7","constraintBundle":{"schemaVersion":"agentdepot.constraints.v1","task":null,"jtbd":"agent-banking-treasury","constraintsRaw":"","constraintTokens":[],"constraintDigest":"sha256:eb9d397ca67bcf6889704910eeb3a58796ea2ef5e54fb6289c71f6114f2c67a7","matchedConstraints":[],"unsupportedConstraints":[],"malformedConstraints":[],"conflictingConstraints":[],"typedConstraints":[],"quotaExhausted":[],"degraded":[],"healthy":[],"budgetUsd":null,"maxLatencyMs":null,"region":null,"privacy":null,"exit":[],"existing":[],"existingSubscriptions":[],"requiredCapabilities":[],"switchingCost":null},"pricingSummary":"Pay-as-you-go payment processing + Billing subscriptions; Connect for marketplaces; Atlas etc.","cite":"Depot Pick for agent-banking-treasury: stripe (asOf 2026-10-28). See GET /api/jtbds/agent-banking-treasury + GET /api/methodology.","nextActions":[{"step":1,"title":"Inspect full JTBD + embeds","href":"/api/jtbds/agent-banking-treasury?embed=providers","why":"Confirm pick, runners-up, and methodology notes."},{"step":2,"title":"Quote sourced SKUs","href":"/api/quote?jtbd=agent-banking-treasury","why":"Depot Pick SKUs plus the cheapest sourced SKU whose unit matches this job. Does not change the pick. Does not blend input and output or borrow a chat rate for a non-chat job."},{"step":3,"title":"Open provider detail","href":"/api/providers/stripe","why":"Scores, pricingNotes, strengths/weaknesses, communitySignals (claims only)."},{"step":4,"title":"Cite methodology","href":"/api/methodology","why":"Required when publishing a Depot Pick citation."},{"step":5,"title":"Grab badge SVG","href":"/api/badge?type=depot-pick&jtbd=agent-banking-treasury","why":"Embed in README / agent passport."},{"step":6,"title":"Post production insight","method":"POST","href":"/api/insights","why":"Unverified until curated; never auto-mutates official scores."}],"honesty":["Do not invent scores or benches.","Insights are claims until curated/reviewed; they never silently mutate official scores.","lockInRisk higher = more lock-in (worse).","normalizedUsdPerMillionTokens is set only for a single sourced token row. Otherwise null, with a machine-readable reason. Do not coerce GPU, minute, or per-1k search units.","Runners-up are not Depot Picks.","Depot overall is editorial_weighted, not Arena Elo and not an Artificial Analysis index."],"asOf":"2026-10-28","depth":{"whenNotToUse":{"text":"Mercury API + IO virtual cards when you want a startup operating bank with a read/write REST API and merchant-locked cards out of the box; Increase when you need direct FedACH/Fedwire/RTP rails and a ledger-grade API (no BaaS middle layer); Column when you need a natively chartered developer bank (direct Fed access, own BIN sponsorship); Wise Platform for multi-currency accounts and low-spread FX payouts. 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No migration guide was invented."}},"citation":{"text":"Agent Provider Depot (v0.14.0), Depot Pick for agent-banking-treasury: stripe, scores as of 2026-10-28, retrieved 2026-10-29. https://getagentdepot.com/jtbds/agent-banking-treasury","markdown":"[Agent Provider Depot](https://getagentdepot.com/jtbds/agent-banking-treasury) (v0.14.0) — Depot Pick for `agent-banking-treasury`: **stripe** (scores as of 2026-10-28, retrieved 2026-10-29)","fields":{"publisher":"Agent Provider Depot","version":"0.14.0","role":"depot_pick","jtbdId":"agent-banking-treasury","providerId":"stripe","scoreAsOf":"2026-10-28","retrievedOn":"2026-10-29","page":"https://getagentdepot.com/jtbds/agent-banking-treasury","api":"https://getagentdepot.com/api/decide?jtbd=agent-banking-treasury"},"howToCite":"Cite Depot as an editorial, dated recommendation, not a benchmark: name the job, the Depot Pick (or runner-up), the score asOf date and the day you retrieved it, and link the job page. Format: “Agent Provider Depot (v{version}), Depot Pick for {jobId}: {providerId}, scores as of {scoreAsOf}, retrieved {retrievedOn}. {baseUrl}/jtbds/{jobId}”. Quote prices only with their own sourceUrl and asOf. If the pick's score is stale (freshness.pick.score.stale), say so."},"freshness":{"pick":{"score":{"asOf":"2026-10-28","ageDays":1,"stale":false,"staleAfterDays":30,"reason":null},"lastReviewed":{"asOf":"2026-10-28","ageDays":1,"stale":false,"staleAfterDays":30,"reason":null},"sourceCheck":{"checkedAt":"2026-10-28","sourceUrls":2,"sourcesReachable":2,"pricingRows":1,"pricingRowsReconfirmed":0,"note":"A source re-check confirms the page is reachable and, for pricing rows, that the stored amount and SKU name appear on it. It does not re-derive or change the score.","reason":null}},"scoreAsOf":"2026-10-28","editorialPriorAsOf":"2026-10-28","pricingLastVerifiedAt":"2026-10-28","pickLastReviewed":"2026-10-28","runnersUpScoreAsOf":["2026-10-28","2026-10-28","2026-10-28","2026-10-28"],"contractAsOf":"2026-10-03","pricingShape":"sourced_rows","normalizedUsdPerMillionTokens":null,"normalizationStatus":"unit_mismatch","normalizationReason":"unit_mismatch"},"pricingContract":{"normalizedUsdPerMillionTokens":null,"normalizationStatus":"unit_mismatch","normalizationReason":"unit_mismatch","shape":"sourced_rows","filterable":false,"priceSortEligible":false,"priceSortKeyUsdPerMillionInputTokens":null,"rows":[{"id":"stripe-card-processing-base","providerId":"stripe","sku":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","unit":"usd_per_transaction","amountUsd":0.3,"currency":"USD","asOf":"2026-10-28","sourceUrl":"https://stripe.com/pricing","qualifier":"Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume).","normalizationStatus":"unit_mismatch","normalizedUsdPerMillionTokens":null,"normalizationReason":"Fixed per-transaction fee ($0.30) plus 2.9% percentage of transaction value.","priceSortEligible":false}],"notesExcerpt":"Pay-as-you-go payment processing + Billing subscriptions; Connect for marketplaces; Atlas etc.","notesCheck":{"status":"no_known_contradiction","pairs":[],"review":null,"note":null},"lastReviewed":"2026-10-28","scoreAsOf":"2026-10-28","website":"https://stripe.com","doNotParse":"Do not parse pricingNotes. Use rows only. normalizedUsdPerMillionTokens is a single number only when this provider has exactly one sourced token row. Input/output, context tiers, and non-token units stay null at this level.","gap":"Partial coverage. Providers without a fetched SKU are omitted. See GET /api/pricing."},"links":{"jtbd":"/jtbds/agent-banking-treasury","jtbdApi":"/api/jtbds/agent-banking-treasury","leaderboard":"/api/leaderboards?jtbd=agent-banking-treasury","methodology":"/api/methodology","badge":"/api/badge?type=depot-pick&jtbd=agent-banking-treasury","decide":"/api/decide?jtbd=agent-banking-treasury","humanPage":"/jtbds/agent-banking-treasury","alternatives":"/api/alternatives?provider=stripe","canonical":"/api/canonical","quote":"/api/quote?jtbd=agent-banking-treasury","falsify":"/api/falsify?jtbd=agent-banking-treasury"},"stackContext":{"host":null,"framework":null,"repo":null,"lang":null,"existing":[],"volume":null,"sender":null,"detectedFromTask":[]},"keep":null,"contextAdvice":null,"day2Production":{"smokeTestCmd":"curl -sS https://api.stripe.com/v1/balance -u \"$STRIPE_SECRET_KEY:\"","rateLimitCeiling":"See provider rate-limit docs; enforce exponential backoff with jitter on HTTP 429.","day2Gotchas":["Fees add up globally","Account review risk"],"preflightUrl":"/api/preflight?provider=stripe&budgetUsd=50&jtbd=agent-banking-treasury"},"barterHint":{"protocol":"A2A Give-to-Get Barter","postUrl":"/api/barter/contribute","give":"POST outcome_receipt (+10cr), price_drift_alert (+25cr), failure_signature (+15cr), or stack_manifest (+5cr)","get":"Instant depot_barter_<hash> token unlocking 25-dep batch stack audit, custom lifecycle feed filter, and Verified Contributor Directory listing"},"a2aMarketplaces":{"hub":"/marketplaces","api":"/api/marketplaces","markdown":"/marketplaces.md"},"communityFeedback":{"pickOnThisJob":{"failed":0,"degraded":0,"worked":0,"insights":0,"withVerifiedReceipt":0,"failureModes":{},"latestAt":null,"note":"Agent-reported claims (unverified unless a receipt is verified by Depot's re-check). They never change scores or picks."},"outcomes":{"job":{"n":0,"worked":0,"degraded":0,"failed":0,"failureModes":{},"verifiedReports":0,"contributors":0,"excluded":{"seed_editorial":0,"test":0,"notFeedback":0},"reason":"no_submitted_outcome_reports_yet"},"pick":{"providerId":"stripe","n":0,"worked":0,"degraded":0,"failed":0,"failureModes":{},"evidenceTiers":{"agent_claim":0,"self_declared":0,"reference_checked":0,"outcome_verified":0},"reason":"no_submitted_outcome_reports_yet"},"scoresMutated":false,"more":"/api/outcomes?jtbd=agent-banking-treasury"},"report":"POST /api/feedback {agentIdentity, outcome: failed|degraded|worked, detail, providerId, jtbdId, failureModeId?, receipt?}"}}