1p3a Experience · Jan 2026

Stripe Software Engineer Virtual Onsite Interview Experience

SWE Onsite Hard

Interview Experience

The Stripe VO interview experience was great. The questions were all based on real-world payment and transaction scenarios, which really tested the ability to abstract and optimize practical problems.

Full Details

The Stripe VO interview experience was great. The questions were all based on real-world payment and transaction scenarios, which really tested the ability to abstract and optimize practical problems. I was able to solve both questions smoothly, so I’d like to briefly share my approach. Question 1: Minimum Transactions for Multi-Party Debt Settlement The problem gives a set of borrowing and lending records among a group of people, and asks for the minimum number of transactions required to settle all balances so that everyone’s net balance becomes zero. Core idea: First, compute each person’s net balance and only keep those whose balance is non-zero. Then use a backtracking or greedy approach to match positive and negative balances as efficiently as possible. For example, if one person owes 50 and another is owed 50, a single transaction between them settles both accounts. By maximizing such direct cancellations, we can minimize the total number of transactions.

Follow-up: If the debt relationships are very complex and involve hundreds of people, can your algorithm still maintain good efficiency? More stripe textures can be referenced this

About This Question

This is a candidate experience report from a stripe interview for a swe role during the onsite round reported in 2026.

It covers the following topics: Backtracking, Greedy, Recursion .

Difficulty rating: Hard