Increase revenue and improve your network acceptance rates with a global platform that offers direct integrations to industry infrastructure, a deep understanding of issuer preferences, and powerful machine learning that optimizes every payment and improves your customer experience.
Stripe's direct integrations with global card networks and issuers reduce latency, improve reliability, and give you access to the latest features and enhanced data fields—like raw response codes—that help optimize acceptance.
Maximize total revenue with tools designed to avoid customer friction at checkout, protect your business from fraud, and minimize false declines. Our acceptance tools work together seamlessly to drive higher conversion.
Legacy payments platforms can rely on outdated infrastructure and disparate systems. The modern acquiring platform from Stripe is built to learn from billions of data points to optimize routing and messaging and optimally retry transactions to maximize acceptance.
Our authorization optimizations work out of the box, with no integration work required—so you can benefit from better performance and reduced decline rates from day one.
By leveraging our insight into unique issuer-level preferences and access to the latest network features, Stripe routes transactions using the optimal formatting of payment data to maximize acceptance. Our unified API integration offers:
The Stripe preprocessing layer uses optimized network messaging and real-time card updates to help prevent many declines before they happen. If a payment is declined, Stripe Adaptive Acceptance uses ML to identify the best retry messaging and routing combinations to save lost revenue for all card payments. In addition, Stripe Billing can reduce declines for recurring charges by up to 45% using smart dunning to retry charges at a later time.
When Remitly added Stripe as a payments partner, we saw an immediate and significant increase in authorization rates. That's great for Remitly's business and—most importantly—for our customers, who come to us for fast, secure, low-friction transactions.
Since moving over to Stripe, our payment processing approval rates have picked up by 6% in a very, very short period of time, which is a huge win on improving our conversion rates with customers and our reputation with issuers.
Learn more about how Stripe can help you optimize your authorization rates using features such as Network Tokens, Card account updater, Adaptive Acceptance, and Smart Retries. This guide provides an introduction to managing authorization rates and helps you understand how to reduce the number of legitimate payments that fail.
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