Boost revenue with higher authorization rates
Increase acceptance rates by 2.2% on average with Authorization Boost, which combines Stripe’s AI-powered acceptance optimizations into one product. Businesses on custom interchange pricing can also lower card processing costs by up to 2.8%.
Increase authorization rates with AI
Recover false declines with real-time retries and maximize acceptance using issuer-optimized preferences.
Lower card processing costs
Reduce costs with network tokens and AI-powered optimizations, such as decline prevention and excessive retry prevention.
Reduce customer churn
Automatically keep card information up-to-date, even if a card has been replaced, and retry false declines to mitigate involuntary churn.
Manage performance from the Dashboard
Get a comprehensive view of your payments performance, including insights and recommendations.
Core technology
Powered by the industry’s first Payments Foundation Model
Trained on billions of transactions, Stripe’s Payments Foundation Model uses self-supervised learning to improve the performance of products such as Authorization Boost by capturing and analyzing hundreds of subtle signals about each payment.
AI-powered
Increase authorization rates with AI
2.2%
increase in revenue on average
Recover false declines
Identify and retry false declines in real time before customers see a declined payment. Authorization Boost pairs decline data with hundreds of signals across the Stripe network, recovering 20% of false declines on average.
Maximize acceptance rates
Increase the likelihood of payments acceptance with issuer-optimized messaging and formatting. Authorization Boost automatically adjusts authorization requests based on issuer preferences to help increase your authorization rates.
Cost optimization
Lower card processing costs
2.8%
potential reduction in processing costs with custom IC+ pricing
Decline prevention
Predict and proactively decline charges most likely to be rejected, while balancing impact to your auth rates.
Excessive retry prevention
Avoid network penalties by automatically preventing excessive retries and declining previously rejected charges.
Network tokens savings
Tap into possible interchange rate and scheme fee reductions with network tokens.
For businesses on custom IC+ pricing
Life-cycle management
Reduce customer churn
Mitigate involuntary churn with features that keep customers’ payment information up-to-date, even if a card has been replaced since their last interaction.
Network tokens
Stripe’s AI determines when to retry a transaction using a network token versus the primary account number to improve acceptance rates. Businesses can use Stripe to provision tokens or bring external tokens for processing.
Card account updater
Card account updater accesses updated card information in real time to prevent payment failures.
Analytics
Manage performance from the Dashboard
Read the full storyTwilio SendGrid increased conversion by 2% with Stripe’s Authorization Boost, including Adaptive Acceptance, network tokens, and card account updater.
Read the full storyWith Stripe managing both one-time payments and recurring subscriptions, CLEAR has achieved higher conversion rates. Stripe’s card account updater and network tokenization help CLEAR protect revenue, increase authorization rates, and reduce churn caused by changes in customers’ credit cards.
Stripe’s Authorization Boost has been instrumental in helping us strike the right balance of optimizing for transparency and conversion and increasing revenue. It’s been crucial to our continued growth, and has helped us save up to countless hours, freeing up our team to spend time on building our business, and not just on payments.
Stripe’s cost optimizations have delivered best-in-class network savings for US Mobile, enabling us to reduce network costs by over 2% and focus on building the best wireless service for our customers.
Payments Intelligence Suite
Powerful AI-powered optimizations to increase revenue and reduce costs
Authorization Boost is part of the Payments Intelligence Suite, an AI-powered set of payment optimizations, fraud prevention, and business intelligence products that easily balance across authorization, fraud, and costs.
Optimize your payments performance
Maximize conversion and adapt to changing requirements
Stripe automatically requests SCA exemptions where available and authenticates your customers only when necessary to reduce friction.
Fight fraud with the strength of the Stripe network
Detect and reduce fraud by 38% on average with Radar’s AI models and approve more legitimate transactions.
Save time and money on disputes
Unify dispute management with automated end-to-end solutions, stay out of card brand monitoring programs, and automate evidence submission with Smart Disputes.
Issuer and network partnerships
Tap into the industry’s richest data to improve performance
Stripe has direct connections to card networks to ensure our data is as rich as possible. Our industry-first Enhanced Issuer Network enables card issuers to make more informed decisions about whether to authorize transactions.
Enhanced Issuer Network
Direct platform
Industry expertise
Refine your payments performance with expert input
Our team is made up of veterans from financial networks, consultancies, leading brands, and industry groups. We can advise on changing regulations and provide engineering assistance to optimize your setup for conversion. Consider Stripe your advocate for concerns related to card networks and other financial partners.
Pricing
Know what you’ll pay
Authorization Boost
Increase acceptance rates and reduce network costs with AI-powered payment optimizations, inclusive of Adaptive Acceptance, card account updater and network tokens.
With Stripe Payments
Adaptive Acceptance
- Machine learning to increase acceptance rates
- Optimized messaging, formatting, and retries
in Authorization Boost
Card account updater
- Card information updated in real time to reduce payment failures
- Support for major card networks
in Authorization Boost
Network tokens
- More secure payment credentials that are a substitute for card numbers, stay updated and increase acceptance rates
- Support for major card networks
in Authorization Boost
More resources
How to reduce network declines
Using AI to optimize payments performance
How AI is transforming payments
Ready to get started?
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AI in payments
Optimize every stage of the payments lifecycle with AI.
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Accept payments online, in-person, and around the world.