{"id":1718,"slug":"stripe-launch-2011-tokenized-cards","title":"Stripe launched 2011 — card data never touches merchant server (Stripe.js → token), removing the heaviest PCI burden","kind":"reference","scope":"business","status":"current","audiences":["kevin","dev","smb-owner","candid-team"],"topics":["web-tech-history","commodity-web-parts","payments-infrastructure"],"reference_body":"**Claim:** **Stripe launched 2011.** Key innovation: card data never touches the merchant's server (Stripe.js → token), removing the heaviest PCI compliance burden.\n\n**Source:** ByteByteGo / Stripe.\n\n**Confidence:** Verified.\n\n**Why this matters for Candid:** The single most important payments-infrastructure entry on the timeline. Pair with the pre-state ([[pre-stripe-merchant-account-plus-gateway-plus-pci]]) and the pricing ([[stripe-pricing-2-9-percent-plus-30-cents]]).","rationale_body":null,"metadata":null,"links":{"outgoing":[{"slug":"rails-open-sourced-july-2004","title":"Ruby on Rails open-sourced July 2004 (DHH from Basecamp); v1.0 December 2005 — convention-over-configuration","kind":"reference","scope":"business","link_type":"relates-to"},{"slug":"pre-stripe-merchant-account-plus-gateway-plus-pci","title":"Pre-Stripe payments: merchant account + payment gateway (e.g., Authorize.net ~$25/mo) + PCI compliance burden","kind":"reference","scope":"business","link_type":"supersedes"}],"incoming":[{"slug":"research-brief-falling-cost-floor-real-web-functionality-smb-june-2026","title":"Research brief: the falling cost floor of \"real\" web functionality for SMBs (June 2026)","kind":"reference","scope":"business","link_type":"relates-to"},{"slug":"stripe-pricing-2-9-percent-plus-30-cents","title":"Stripe pricing: 2.9% + 30¢ per successful domestic card transaction; no monthly, setup, or cancellation fees","kind":"reference","scope":"business","link_type":"depends-on"},{"slug":"timeline-three-drivers-converge-2004-2014","title":"Timeline 2004–2014: the decade when each of the three historically-expensive parts independently got cheap","kind":"reference","scope":"business","link_type":"depends-on"},{"slug":"rule-three-drivers-decade-2004-2014-not-ai","title":"R1 — Anchor the falling-cost case on the decade 2004–2014 (infrastructure + parts + data); AI-assisted coding is NOT the spine","kind":"rule","scope":"business","link_type":"depends-on"},{"slug":"rule-rent-commodity-parts-build-only-differentiated-logic","title":"R3 — Rent the commodity parts (Stripe / Auth0 / Algolia / RDS / Lambda); build only what is genuinely differentiated logic","kind":"rule","scope":"business","link_type":"depends-on"}]},"created_at":"2026-06-21T13:17:00.544Z","updated_at":"2026-06-21T13:17:00.544Z"}