{"jtbd":{"id":"payments","slug":"payments","name":"Payments acceptance","shortName":"Payments acceptance","problemStatement":"Charge customers for the agent product."},"pick":{"id":"stripe","slug":"stripe","name":"Stripe","tagline":"Non-negotiable for most commercial agent products. Use Billing meters for token pass-through pricing.","website":"https://stripe.com","overall":8.76,"scoreBand":{"low":8.2,"mid":8.8,"high":9.4,"halfWidth":0.6,"basis":"editorial_prior","display":"8.2–9.4 (editorial prior)"},"scoreLayers":{"editorialPrior":8.76,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"Pay-as-you-go payment processing + Billing subscriptions; Connect for marketplaces; Atlas etc.","scores":{"capabilityFit":9.6,"pricePerformance":7.8,"latencyReliability":9.4,"developerDx":9.6,"privacyPosture":8.5,"lockInRisk":6,"maturity":9.8,"overall":8.76,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}},"runnersUp":[{"id":"polar","slug":"polar","name":"Polar","tagline":"Depot pick for ai-merchant-of-record. Prefer Stripe when you already have tax/ops staff; OpenMeter/Kong when…","website":"https://polar.sh","overall":8.05,"scoreBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"scoreLayers":{"editorialPrior":8.05,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","pricingNotes":"As of 2026-09-14 (polar.sh/resources/pricing): Merchant of Record. Starter free at 5%+$0.50/txn; Pro $20/mo + 3.8%+$0.40; Growth $100 + 3.6%+$0.35; Scale $400 + 3.4%+$0.30. Orgs before 2026-05-27 keep Early Member 4%+$0.40 (+0.5% subscriptions). +1.5% international cards. Usage metering for tokens/API/GPU events; LLMStrategy for Vercel AI SDK.","scores":{"capabilityFit":8.4,"pricePerformance":8.2,"latencyReliability":8,"developerDx":9,"privacyPosture":7.8,"lockInRisk":4,"maturity":7.2,"overall":8.05,"kind":"curated_estimate","confidence":"high","asOf":"2026-09-14"}}],"scoreBand":{"low":8.2,"mid":8.8,"high":9.4,"halfWidth":0.6,"basis":"editorial_prior","display":"8.2–9.4 (editorial prior)"},"scoreLayers":{"editorialPrior":8.76,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"whyPickOverHigherScore":{"pickId":"stripe","pickName":"Stripe","pickScore":8.76,"highestScoredCandidateId":"stripe","highestScoredCandidateName":"Stripe","highestScore":8.76,"pickHasLowerCompositeScore":false,"delta":0,"pickLeadsOnDimensions":[],"explanation":"Stripe (8.76) holds both the highest composite score among ranked candidates and the editorial pick for Payments acceptance: maturity + dx + capability. De facto default."},"cheapest":null,"recommendedWorkloadQuote":null,"representativeQuote":null,"estimatedTaskCost":null,"freeAlternatives":[],"referenceDocs":[],"falsification":{"jtbdId":"payments","jtbdName":"Payments acceptance","currentPickId":"stripe","currentPickScore":8.76,"challengerId":"polar","challengerScore":8.05,"currentScoreGap":0.71,"minVerifiedOutcomes":10,"requiredOutcomeMargin":0.86,"requiredSuccessRateDelta":0.15,"maxPickPriceIncreasePct":25,"whatWouldChangePick":["Polar (polar) outperforms Stripe (stripe) by >= 0.86 outcome points (or >= 15% worked-rate delta) across >= 10 Countersign-verified production outcomes.","A verified price increase > 25% on Stripe's representative SKU for payments 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":"polar","minVerifiedOutcomes":10,"requiredOutcomeMargin":0.86,"requiredWorkedRateDelta":0.15},{"kind":"verified_price_increase","providerId":"stripe","maxPriceIncreasePct":25},{"kind":"live_rail_exhaustion_or_degradation","providerId":"stripe","immediateOverrideUrl":"/api/decide?jtbd=payments&exhausted=stripe"}],"submissionSpec":{"falsifyEndpoint":"/api/falsify?jtbd=payments","outcomesEndpoint":"POST /api/feedback","correctionsEndpoint":"POST /api/corrections","payloadTemplate":{"agentIdentity":"agent:<your-agent-id>","jtbdId":"payments","providerId":"polar","outcome":"worked","detail":"Comparative production evaluation on payments (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":["Polar (polar) outperforms Stripe (stripe) by >= 0.86 outcome points (or >= 15% worked-rate delta) across >= 10 Countersign-verified production outcomes.","A verified price increase > 25% on Stripe's representative SKU for payments without a corresponding capability gain.","Live caller rail exhaustion (?exhausted=stripe) or sustained >= 30% degraded/failed rate in verified production outcomes."],"routePlan":{"jtbdId":"payments","primary":{"providerId":"stripe","name":"Stripe","overall":8.76,"scoreBand":{"low":8.2,"mid":8.8,"high":9.4,"halfWidth":0.6,"basis":"editorial_prior","display":"8.2–9.4 (editorial prior)"},"scoreLayers":{"editorialPrior":8.76,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"primary","reason":"Editorial Depot Pick for Payments acceptance; healthy/eligible under caller constraints."},"fallback":[{"providerId":"polar","name":"Polar","overall":8.05,"scoreBand":{"low":7.5,"mid":8.1,"high":8.7,"halfWidth":0.6,"basis":"editorial_prior","display":"7.5–8.7 (editorial prior)"},"scoreLayers":{"editorialPrior":8.05,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","role":"fallback","reason":"Ranked fallback route for Payments acceptance."}],"disqualified":[],"expectedRegret":{"scoreDeltaVsUnconstrainedPick":0,"unconstrainedPickId":"stripe","activePrimaryId":"stripe","summary":"0.00 score regret: unconstrained editorial pick satisfies all caller constraints."},"evidenceAgeDays":{"editorialScoreAgeDays":43,"pricingVerifiedAgeDays":0,"editorialPriorAsOf":"2026-09-14","pricingLastVerifiedAt":"2026-10-27"},"confidenceBand":{"low":8.2,"mid":8.8,"high":9.4,"halfWidth":0.6,"basis":"editorial_prior","display":"8.2–9.4 (editorial prior)"},"constraintsApplied":false,"constraintBundle":{"task":null,"jtbd":"payments","quotaExhausted":[],"degraded":[],"healthy":[],"budgetUsd":null,"maxLatencyMs":null,"region":null,"privacy":null,"exit":[],"existing":[]}},"pricingLastVerifiedAt":"2026-10-27","editorialPriorAsOf":"2026-09-14","tie":false,"scoreGap":0.71,"decidingFactor":null,"tieNote":null,"rationale":"maturity + dx + capability. De facto default.","whenNotTopPick":"Regions/business models Stripe can't support — then local PSPs (out of seed scope).","skipTopPick":false,"skipReason":null,"matchedConstraints":[],"pricingSummary":"Pay-as-you-go payment processing + Billing subscriptions; Connect for marketplaces; Atlas etc.","cite":"Depot Pick for payments: stripe (asOf 2026-09-14). See GET /api/jtbds/payments + GET /api/methodology.","nextActions":[{"step":1,"title":"Inspect full JTBD + embeds","href":"/api/jtbds/payments?embed=providers","why":"Confirm pick, runners-up, and methodology notes."},{"step":2,"title":"Quote sourced SKUs","href":"/api/quote?jtbd=payments","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=payments","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":"2026-09-14","depth":{"whenNotToUse":{"text":"Regions/business models Stripe can't support — then local PSPs (out of seed scope).","source":"editorial `whenNotTopPick` (data/jtbds.json)"},"whenNotToUseReason":null,"runnerUp":{"providerId":"polar","name":"Polar","overallForJob":8.05,"pickOverallForJob":8.76,"beatsPickOn":["pricePerformance","lockInRisk"],"source":"first resolvable entry of the job's editorially ranked `runnersUpIds`; scores are stored job-weighted scores"},"runnerUpReason":null,"lockIn":{"pickLockInRisk":6,"runnerUpLockInRisk":4,"scale":"0–10 stored curated estimate; higher = more lock-in (worse)","pickExitSignals":[],"runnerUpExitSignals":["open source (provider tag `oss`)"],"pickNotes":[],"selfHostFallback":[],"migration":"Runner-up Polar has lower stored lock-in risk (4 vs 6, 0–10, higher = more lock-in).","migrationReason":null,"derivedFrom":"stored lockInRisk scores, provider tags (oss, self-host, openai-compat, open-models), free rows that list this job, and verbatim provider notes. No migration guide was invented."}},"citation":{"text":"Agent Provider Depot (v0.12.152), Depot Pick for payments: stripe, scores as of 2026-09-14, retrieved 2026-10-27. https://getagentdepot.com/jtbds/payments","markdown":"[Agent Provider Depot](https://getagentdepot.com/jtbds/payments) (v0.12.152) — Depot Pick for `payments`: **stripe** (scores as of 2026-09-14, retrieved 2026-10-27)","fields":{"publisher":"Agent Provider Depot","version":"0.12.152","role":"depot_pick","jtbdId":"payments","providerId":"stripe","scoreAsOf":"2026-09-14","retrievedOn":"2026-10-27","page":"https://getagentdepot.com/jtbds/payments","api":"https://getagentdepot.com/api/decide?jtbd=payments"},"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":"2026-09-14","ageDays":43,"stale":true,"staleAfterDays":30,"reason":null},"lastReviewed":{"asOf":"2026-09-14","ageDays":43,"stale":true,"staleAfterDays":30,"reason":null},"sourceCheck":{"checkedAt":"2026-10-27","sourceUrls":2,"sourcesReachable":2,"pricingRows":0,"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":"2026-09-14","editorialPriorAsOf":"2026-09-14","pricingLastVerifiedAt":"2026-10-27","pickLastReviewed":"2026-09-14","runnersUpScoreAsOf":["2026-09-14"],"contractAsOf":"2026-10-03","pricingShape":"prose_notes_only","normalizedUsdPerMillionTokens":null,"normalizationStatus":"unavailable","normalizationReason":"no_sourced_price"},"pricingContract":{"normalizedUsdPerMillionTokens":null,"normalizationStatus":"unavailable","normalizationReason":"no_sourced_price","shape":"prose_notes_only","filterable":false,"priceSortEligible":false,"priceSortKeyUsdPerMillionInputTokens":null,"rows":[],"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":"2026-09-14","scoreAsOf":"2026-09-14","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":"No sourced price row for this provider. pricingNotes stay prose. See research/gaps.md."},"links":{"jtbd":"/jtbds/payments","jtbdApi":"/api/jtbds/payments","leaderboard":"/api/leaderboards?jtbd=payments","methodology":"/api/methodology","badge":"/api/badge?type=depot-pick&jtbd=payments","decide":"/api/decide?jtbd=payments","humanPage":"/jtbds/payments","alternatives":"/api/alternatives?provider=stripe","canonical":"/api/canonical","quote":"/api/quote?jtbd=payments","falsify":"/api/falsify?jtbd=payments"},"constraintBundle":{"task":null,"jtbd":"payments","quotaExhausted":[],"degraded":[],"healthy":[],"budgetUsd":null,"maxLatencyMs":null,"region":null,"privacy":null,"exit":[],"existing":[]},"stackContext":{"host":null,"framework":null,"repo":null,"lang":null,"existing":[],"volume":null,"sender":null,"detectedFromTask":[]},"keep":null,"contextAdvice":null,"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=payments"},"report":"POST /api/feedback {agentIdentity, outcome: failed|degraded|worked, detail, providerId, jtbdId, failureModeId?, receipt?}"}}