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With Stripe, people who previously operated online or offline in a very limited capacity now have all the tools to work like a real online business. That's a very valuable thing.

Stripe really did come about because we were really appalled by how hard it was to charge for things online.

When a country doesn't have a good economic infrastructure, that harms the country. With Stripe, the idea is that by providing better infrastructure, by linking the Internet economically, by making it easier for these online businesses to exist, it'll make the web better.

The part of Stripe that I've always found most interesting is the idea of facilitating new commerce that wouldn't otherwise happen. Payouts is turning out to be a big part of that. These new networks are efficient, intelligent replacements for offline behemoths.

Our idea with starting Stripe was to build better payments technology for people building things on the web.

Part of Stripe's vision is linking people better on the web.

Stripe makes it easy for anyone, be it an individual or a small business or a large business, to accept credit card payments on the Internet. We want to give control to the user or the business to define what the experience looks like. We work on a website or a mobile app, or whatever between that.

Stripe is building payment infrastructure for the Web, so we make it easy to accept credit cards online. Before Stripe, the way you'd do this is using the legacy banking structure. It was slow, it was complex, it was expensive. It had this very chilling effect on e-commerce.

We're not in the business of shaping consumer demand. We respond to it.