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Optimise every transaction with AI
Grow your revenue with AI-powered optimisations at every stage of the payments lifecycle. Stripe’s Payments Foundation Model – an industry first – uses self-supervised learning to analyse payments patterns and boost your performance.
AI-optimised
Advanced payments, powered by AI
We apply AI at every stage of the customer journey – from personalised checkout experiences to dispute recovery – to grow your revenue, combat fraud, and reduce costs.
Convert customers
Increase revenue by 11.9% on average with the Optimized Checkout Suite, which uses AI to personalise and dynamically display the most relevant payment methods for every checkout session.
Mitigate fraud
Detect and reduce fraud by 38% on average with Radar’s AI models, and win more chargebacks with Smart Disputes.
Recover revenue
Increase revenue retention with AI-powered Smart Retries. Stripe’s recovery tools help businesses recover 57% of failed recurring payments on average.
Facilitate seamless experiences
Boost conversion while adapting to changing regulatory requirements with Stripe’s authentication optimisations. Stripe automatically requests SCA exemptions where available.
Reduce false declines
Increase authorisation rates by 2.2% on average with AI-powered tokenisation and messaging, formatting, and cost optimisations.
Core technology
The industry’s first Payments Foundation Model
Stripe’s Payments Foundation Model is trained on tens of billions of transactions using self-supervised learning to drive results.
$1.4T
in payments volume processed in 2024
92%
of cards have been seen before by Stripe
95%+
of card testing attacks identified in real time
Testimonials
Trusted by leading global brands
Read case studyStripe continues to be a strategic partner for us. They scale with our growth and enable us to stay on the cutting edge when it comes to offering payment options for our customers that help them increase their sales and conversions.
Read case study[We use Stripe] to offer frictionless 3DS and exemption flows. It not only reduces fraud risk but genuinely elevates our customers’ shopping experience.
Read our case studyStripe has a relentless focus on innovation. A great example of this is the machine learning model used to enhance authorisation rates. We’ve realised roughly a 1% uplift in authorisation rates just from Adaptive Acceptance. It requires zero effort from our side. It’s purely done on the engineering efforts of Stripe.
The GitHub Sponsors programme saw an increase in total contributions to developers by 52% with Stripe’s Payments Intelligence Suite, including Adaptive Acceptance, network tokens, card account updater, and Radar. Stripe helped us optimise for authorisation, cost, and fraud to increase customer trust and growth.
More resources
Blog
Blog
How Stripe is using AI to create personalised checkout experiences
Podcast
Podcast
The past, present, and future of AI, with Stripe
Blog
Blog
Using AI to create dynamic, risk-based Radar rules
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