The 2025 state of AI and fraud report

AI is making fraud more sophisticated and scalable, creating new challenges for online businesses. To stay ahead, your business needs equally advanced defenses. Our report gives you insights from billions of payments across millions of companies—plus perspectives from more than 4,000 global payments leaders—showing how AI is transforming both fraud risks and prevention.

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Duration 8 minutes Page count 16 pages

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Key findings

How AI is changing fraud—and the tools to prevent it

Our analysis reveals how AI can both increase fraud risks and strengthen your defenses. Read the report to learn:
  • How fraudulent actors use AI to scale sophisticated attacks
  • Why fraud detection has become the most popular use case of AI in payments
  • Which industries face the highest risks and are adopting AI-powered prevention the fastest
  • Strategies that industry leaders can implement to stay ahead of new threats

Learnings

The growth of AI-powered fraud and how to respond

Our analysis outlines both advancements in fraud and how your business can use AI to stay ahead.

25%

of testing attacks blocked by Stripe involve fraudulent actors attempting more than 1 million transactions against a single business

30%

of business leaders report that generative AI is making merchant fraud worse

47%

of businesses now use AI to detect and prevent fraud

76%

of marketplaces and 78% of platforms are adopting AI-powered prevention tools faster than the global average

Why Stripe

The complete financial stack for enterprises

Everything you need to scale

Stripe has helped many $1B+ enterprises thrive in a digital world, improve customer experience, and unlock new revenue streams—all while simplifying operations.

Do more with the full suite

Stripe is a unified platform, so your teams don’t need to stitch together disparate systems or spend months integrating payments functionality. Clear documentation and support resources ensure your business can continue to evolve fast.

Go global with Stripe

Launch new markets, currencies, and payment methods—with minimal changes to your code. Stripe handles all cross-border money movement and currency conversion so you and your users receive payouts in your local currency.

Grow your business with Stripe

No matter your business model—SaaS, direct-to-consumer ecommerce, platform, marketplace—the Stripe platform applies intelligent optimizations based on billions in transactions to help block fraud and maximize revenue.

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