Stripe - Associate Architect Exam
Comprehensive Exam study Guide
Latest Updated 2025/2026
What should you ensure is set up after a client confirms payment? - ansMonitor webhooks to
make sure payment is successful and/or fails.
What needs to be passed in order to securely complete a payment? - ansPayment intent
MUST include the client secret
T or F - The automatic_payment_method is defaulted by Stripe - ansTrue
What two things are mandatory to create a payment intent? - ansAmount and Currency
Describe the Payment Intent API - ansRepresents the intent to collect payment from a
customer and tracks attempts/state changes through out the payment process.
What are the 4 advantages of the Payment Intents API? - ans- Auto authentication handling
- No double charges
- No idempotency key issues
- Support for SCA and regulatory charges
Which type of Stripe account does Stripe manage/own fraud dispute liability? - ansStandard
Accounts
List 2 ways a user can request a manual payout - ans- API Call
- From the dashboard created payment
How many bank accounts can be added per currency? - ansOne bank account per currency
Describe the features of Separate Charges and Transfers - ans- One shopping cart for many
goods at multiple "stores"
- Involves multiple users being paid
- A specific user is not known at the time of the charge
- Transfers can't be made at the time of charge
Describe the features of Destination Charges - ans- Customer transacts with platform for
products and services provided by the Connected Account
- Single user
Describe the features of Direct Charges - ans- Single user
- Customer is unaware of platforms existence commonly
- Customer directly transacts with the Connected Account
What status will a refund be in if there is not enough funds in the Account - ans- Pending
- If customer doesn't have enough funds in Stripe balance, then Stripe deducts from debit by
creating a negative payout
Which two components make up Stripe Payment Fees with Connect? - ans- Pricing plan for
the payment
- Which account pays the Stripe payment fees
What Stripe Fees are assessed on Direct Charges? - ans- Connected pricing plan fees
- Assessed on Connected Account fees
True or False: You can transfer funds to many Connected Accounts? - ansTrue - With
separate charges and transfers
What gets debited for Stripe Fees, Refunds, and Chargebacks? - ansAccount balance
Describe the delay_days field for managing payouts - ansLets the system know how long it
takes for on_behalf_of charges to become available for payout
Describe the on_behalf_of parameter for managing payouts - ans- Uses connected account
statement descriptor
,Stripe - Associate Architect Exam
Comprehensive Exam study Guide
Latest Updated 2025/2026
- Settles charges in the country of the specified account
Benefit of reusing a PaymentIntent? - ans- Reusing the payment intent tracks the object state
and lets clients know about failed payment attempts.
- Payment functionality upgrades on the Stripe end will be done on the PaymentIntent.
What prevents a single payment intent from creating duplicates in error? - ansIdempotency
Key
What type of payment occurs while the customer is active in the checkout flow and can
authenticate a payment? - ansOn Session Payment
What type of payment occurs while the customer is not directly involved during a checkout,
but provides payment info with auth before the charge is made? - ansOff Session Payment
What occurs to make a currency conversion necessary? - ansOccurs when the presentment
currency is different from the settlement currency.
What determines the currency for Direct Charges? - ansCountry of the Connected Account
What determines the currency for Destination Charges? - ansCurrency of the Platform
Account
What determines the currency for Destination Charges when using on_behalf_of? -
ansCountry of the Connected Account
What determines the currency of Separate Charges and Transfers when using on_behalf_of? -
ansCountry of the Connected Account
What determines the currency for Separate Charges and Transfers? - ansCountry of the
Platform Account
What determines the currencies you can use on your Stripe Account? - ansThe country of the
Stripe account where the charge is made.
Platforms receive the application fees for direct charges in what currency? - ansPlatform's
default settlement currency
Clients can pay out balances in non-default currencies to the platform's default bank account
in what ways? - ansCreate a manual payout with the "currency" set as the currency of source
balance.
What is iDEAL payments? - ans- Common payment method in the Netherlands.
- Performs bank redirects for auth
Describe Stripe Checkout - ans- Drop in payments page that dynamically fits the buyer's
location and language.
- Low code
- Embed or redirect options
- Customizable
- PCI compliant, CAPTCHA, SCA
What three considerations must SaaS platforms make for subscriptions? - ans- Set flexible
subscription logic
- Consider involving needs
- Minimize involuntary churn
What is the process that retries failed transactions on a set schedule? - ansDunning
Define Stripe Billing - ansEnd-to-end billing solution that allows clients to manage
subscription logic for invoices. Has auto retry logic and accepts supported payment methods
, Stripe - Associate Architect Exam
Comprehensive Exam study Guide
Latest Updated 2025/2026
What two capabilities must Marketplaces consider when adding payments? - ans- Verify
users during onboarding in phased approach (KYC)
- Support different ways to move money
What are the 5 different ways a platform can move funds to a client? - ans- One to One
- One to Many
- Holding Funds
- Account debits
- Subscriptions
Which Stripe product enables Marketplaces to facilitate payments for their submerchants? -
ansStripe Connect
A client with an active subscription wants to buy an item ad hoc. How should you instruct the
client to bill them for the item? - ansAn additional line item in the existing invoice or create a
separate invoice.
What two API objects are used to build pricing models? - ansProduct and Price API objects
What is the difference between volume and graduated tiered pricing? - ans- Volume: The
entire quantity is multiplied by the cost of the tier.
- Graduated: The quantity is multiplied by the amount that falls into the tier, then the total is
summed
List the 7 prohibited/restricted business for Stripe - ans- Adult Content
- Financial Services
- Gambling
- Marijuana
- Pharmaceutical
- Travel
- Vapes and E-Cigarettes
What are the ways a client can improve authorization rates? - ans- Collect and submit
additional billing info
- Optimize payments flows
- Keep fraud rates low
- Accept digital wallets
- Enable card account updater
- Enable netowrk tokens
- Authenticate payments when required
- Setup local Stripe accounts
- Automate customer outreach
- Create different payment plans
What five Stripe features are offered to increase authorization rates? - ans- Enhance User
Network
- Adaptive Acceptance
- Smart Retries
- Card Account Updater
- Network Tokens
Comprehensive Exam study Guide
Latest Updated 2025/2026
What should you ensure is set up after a client confirms payment? - ansMonitor webhooks to
make sure payment is successful and/or fails.
What needs to be passed in order to securely complete a payment? - ansPayment intent
MUST include the client secret
T or F - The automatic_payment_method is defaulted by Stripe - ansTrue
What two things are mandatory to create a payment intent? - ansAmount and Currency
Describe the Payment Intent API - ansRepresents the intent to collect payment from a
customer and tracks attempts/state changes through out the payment process.
What are the 4 advantages of the Payment Intents API? - ans- Auto authentication handling
- No double charges
- No idempotency key issues
- Support for SCA and regulatory charges
Which type of Stripe account does Stripe manage/own fraud dispute liability? - ansStandard
Accounts
List 2 ways a user can request a manual payout - ans- API Call
- From the dashboard created payment
How many bank accounts can be added per currency? - ansOne bank account per currency
Describe the features of Separate Charges and Transfers - ans- One shopping cart for many
goods at multiple "stores"
- Involves multiple users being paid
- A specific user is not known at the time of the charge
- Transfers can't be made at the time of charge
Describe the features of Destination Charges - ans- Customer transacts with platform for
products and services provided by the Connected Account
- Single user
Describe the features of Direct Charges - ans- Single user
- Customer is unaware of platforms existence commonly
- Customer directly transacts with the Connected Account
What status will a refund be in if there is not enough funds in the Account - ans- Pending
- If customer doesn't have enough funds in Stripe balance, then Stripe deducts from debit by
creating a negative payout
Which two components make up Stripe Payment Fees with Connect? - ans- Pricing plan for
the payment
- Which account pays the Stripe payment fees
What Stripe Fees are assessed on Direct Charges? - ans- Connected pricing plan fees
- Assessed on Connected Account fees
True or False: You can transfer funds to many Connected Accounts? - ansTrue - With
separate charges and transfers
What gets debited for Stripe Fees, Refunds, and Chargebacks? - ansAccount balance
Describe the delay_days field for managing payouts - ansLets the system know how long it
takes for on_behalf_of charges to become available for payout
Describe the on_behalf_of parameter for managing payouts - ans- Uses connected account
statement descriptor
,Stripe - Associate Architect Exam
Comprehensive Exam study Guide
Latest Updated 2025/2026
- Settles charges in the country of the specified account
Benefit of reusing a PaymentIntent? - ans- Reusing the payment intent tracks the object state
and lets clients know about failed payment attempts.
- Payment functionality upgrades on the Stripe end will be done on the PaymentIntent.
What prevents a single payment intent from creating duplicates in error? - ansIdempotency
Key
What type of payment occurs while the customer is active in the checkout flow and can
authenticate a payment? - ansOn Session Payment
What type of payment occurs while the customer is not directly involved during a checkout,
but provides payment info with auth before the charge is made? - ansOff Session Payment
What occurs to make a currency conversion necessary? - ansOccurs when the presentment
currency is different from the settlement currency.
What determines the currency for Direct Charges? - ansCountry of the Connected Account
What determines the currency for Destination Charges? - ansCurrency of the Platform
Account
What determines the currency for Destination Charges when using on_behalf_of? -
ansCountry of the Connected Account
What determines the currency of Separate Charges and Transfers when using on_behalf_of? -
ansCountry of the Connected Account
What determines the currency for Separate Charges and Transfers? - ansCountry of the
Platform Account
What determines the currencies you can use on your Stripe Account? - ansThe country of the
Stripe account where the charge is made.
Platforms receive the application fees for direct charges in what currency? - ansPlatform's
default settlement currency
Clients can pay out balances in non-default currencies to the platform's default bank account
in what ways? - ansCreate a manual payout with the "currency" set as the currency of source
balance.
What is iDEAL payments? - ans- Common payment method in the Netherlands.
- Performs bank redirects for auth
Describe Stripe Checkout - ans- Drop in payments page that dynamically fits the buyer's
location and language.
- Low code
- Embed or redirect options
- Customizable
- PCI compliant, CAPTCHA, SCA
What three considerations must SaaS platforms make for subscriptions? - ans- Set flexible
subscription logic
- Consider involving needs
- Minimize involuntary churn
What is the process that retries failed transactions on a set schedule? - ansDunning
Define Stripe Billing - ansEnd-to-end billing solution that allows clients to manage
subscription logic for invoices. Has auto retry logic and accepts supported payment methods
, Stripe - Associate Architect Exam
Comprehensive Exam study Guide
Latest Updated 2025/2026
What two capabilities must Marketplaces consider when adding payments? - ans- Verify
users during onboarding in phased approach (KYC)
- Support different ways to move money
What are the 5 different ways a platform can move funds to a client? - ans- One to One
- One to Many
- Holding Funds
- Account debits
- Subscriptions
Which Stripe product enables Marketplaces to facilitate payments for their submerchants? -
ansStripe Connect
A client with an active subscription wants to buy an item ad hoc. How should you instruct the
client to bill them for the item? - ansAn additional line item in the existing invoice or create a
separate invoice.
What two API objects are used to build pricing models? - ansProduct and Price API objects
What is the difference between volume and graduated tiered pricing? - ans- Volume: The
entire quantity is multiplied by the cost of the tier.
- Graduated: The quantity is multiplied by the amount that falls into the tier, then the total is
summed
List the 7 prohibited/restricted business for Stripe - ans- Adult Content
- Financial Services
- Gambling
- Marijuana
- Pharmaceutical
- Travel
- Vapes and E-Cigarettes
What are the ways a client can improve authorization rates? - ans- Collect and submit
additional billing info
- Optimize payments flows
- Keep fraud rates low
- Accept digital wallets
- Enable card account updater
- Enable netowrk tokens
- Authenticate payments when required
- Setup local Stripe accounts
- Automate customer outreach
- Create different payment plans
What five Stripe features are offered to increase authorization rates? - ans- Enhance User
Network
- Adaptive Acceptance
- Smart Retries
- Card Account Updater
- Network Tokens
