Stripe Radar | Payment and Credit Card Fraud Detection

Identify and prevent fraud in real time with AI trained on over $1 trillion in annual payment volume.

Radar's AI learns from data across millions of global businesses.

Get unified protection against transaction fraud, account fraud, and customer abuse, plus dispute management, in one place.

From first-party fraud to agentic transactions, Radar keeps pace with how fraud evolves.

Get started with zero integration required. Access Radar's intelligence whether you process payments with Stripe or not.

Stripe processes payments from 197 countries for every industry, company size, and business model. There’s a 92% chance a card has been seen before on the Stripe network.

By learning from millions of global businesses processing more than $1.9 trillion in payments each year, Radar assigns risk scores to every payment and automatically blocks high-risk payments.

Radar’s AI scans every payment and account using hundreds of signals from across the Stripe network to help detect and prevent fraud before it hits your business, reducing fraud by 32% on average.

Radar ingests data from every layer of the financial stack, integrating checkout flow data, rich payments data, and card network and bank information to assess fraud risk.

Stripe’s partnerships with Visa, Mastercard, American Express, and leading banks let us use data like TC40s, SAFE reports, and early dispute notifications to help identify fraudulent charges before they’re disputed.

Radar is fully integrated with the rest of Stripe, so our systems can instantly use rich payment information— such as customer details, shipping and billing addresses, and other properties—to improve AI performance and block fraud.

Stripe’s checkout tools automatically incorporate certain buyer patterns from your website and mobile app to help detect anomalous payments. Radar uses these signals to improve AI performance and block fraud on your behalf.

Radar is built for global internet businesses facing evolving fraud threats. Radar constantly tweaks our AI algorithms, tests which attributes are most relevant, and generates compound signals to help precisely identify and block fraud.

Tie multiple signals into a single device profile.

Spot recurring patterns across years of historical data.

Identify IP spoofing and proxy usage.

Radar scores every transaction by combining multiple signals to help determine whether a payment is fraudulent.

Access advanced controls and deep insights with Radar for Fraud Teams to customize your fraud prevention to the needs of your business.

Surface the most relevant data for more efficient and accurate manual reviews.

See rich analytics on fraud performance and dispute rates.

Set precise rules to flag, block, or apply adaptive 3D Secure to certain transactions.

Sync existing lists of trusted or blocked users.

Detect and act on suspicious behavior before it affects your bottom line—from account creation to log-in and through billing cycles.

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Remind customers about their order details to block disputes from being filed and automatically resolve them to lower your dispute rate. Powered by Verifi and Ethoca.

Provide transaction data to cardholders with dispute deflection to help them recognize legitimate charges and avoid filing disputes.

Automatically block potential first-party misuse disputes with Visa Compelling Evidence 3.0.

Automatically resolve disputes as they are submitted, so they don’t count towards your dispute rate.

Write dispute resolution rules from the Radar rule editor, with AI help from LLM-powered Radar Assistant.

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Radar’s advanced machine learning is available to every Stripe account.

Integrated per-transaction pricing with no hidden fees.

Payments

Revenue

Money Management

Platforms and marketplaces

The state of AI & fraud

How we built it: Stripe Radar

Analyzing first-party fraud trends: Account, free trial, and refund abuse