Last week, we shared new data that helps businesses understand the conversion and revenue benefits of offering different payment methods. Now we want to share how we ran the experiment. As we explain in the rest of this post, we had to test millions of combinations of payment methods while ensuring that we maintained a consistent shopping experience for customers.
We have data that shows when at least one additional relevant payment method beyond cards is dynamically surfaced, businesses on average see a meaningful increase in conversion and revenue.
Last month, we improved our AI tooling to give you even more flexibility when combating fraud. Now, Radar’s new rules combine our machine learning models with the issuer’s CVC and postal code response in real time. This can help you minimize fraud while worrying less about accidentally blocking legitimate revenue.
The Optimized Checkout Suite uses AI to personalize the checkout experience—dynamically adjusting everything from payment method ordering to fraud interventions in order to maximize conversion and boost revenue.
Founders can now accept payments immediately after incorporation, while Atlas handles the IRS filings in the background.
Recent AI upgrades to Adaptive Acceptance led to a record $6 billion in false declines recovered in 2024—a 60% year-over-year increase.
With the rise of usage-based billing for AI services, the strategic importance of credits is growing. That’s why we’ve recently added a new credits feature to Stripe Billing.
We created a usage-based billing system with an accurate and highly available revenue ledger; real-time events processing with ultrahigh throughput billing; and the ability to support complex pricing models and accurate billing, even in the face of delayed events. Doing so required reimagining how to build a highly scaled, highly reliable event streaming platform.
With our slice monitoring program, we use machine learning to spot small pockets of performance declines amid the sea of global payments.
While Radar’s models predict the likelihood of fraud or card testing, we needed a new way to recognize verification attacks that were causing higher-than-average authorization rates. Learn about our three-layered approach to combating this new fraud trend.
In the third and final installment in our three-part series, we examine the most important questions for the future of real-time payments: will they ever take off in the US and the UK, and will they emerge as a truly global payment method?
To compete with other payment methods for consumer preference, real-time payments are expanding their “bundle” of services to include subscriptions, credit, and in-person transactions.
Card testing is one of the most significant fraud threats to Stripe, its users, and the broader financial ecosystem. Stripe’s machine learning–based approach—based on rapid detection and retraining—has led to successful card testing attacks on Stripe decreasing by 80% over the last two years.
Payment methods are tightly woven into the economic and social fabric of a country. In most countries, the dominant means of exchange has rarely pivoted—and yet in many places around the world, it’s changing right now with real-time payments. Here’s why.
By applying ML to the process of navigating Strong Customer Authentication requirements, we’re helping users reduce checkout friction while lowering fraud and increasing authorization rates.
In our new report on the state of billing, we highlight trends and insights from more than 2,000 subscription business leaders from around the world. We learned that churn continues to be a looming concern, with 72% of survey respondents saying they are worried about churn impacting their bottom line.
Building our payment method A/B testing tool was an industry first, and we had to find creative solutions to some of the most complex scenarios in A/B testing. We’ll take you through some of the key decisions we made—and lessons we learned—along the way.
Earlier this month at Stripe Tour New York, we shared new ways to orchestrate and grow your revenue with Stripe Billing, including new features to help you better understand your revenue data and give you more flexibility in how you bill for usage. Let’s take a closer look at everything we launched.
Join us May 6–8 in San Francisco for Stripe Sessions, our annual user conference. This year, we’re doubling the number of breakout sessions, expanding our training program to give you more hands-on product support, and adding a demo stage to showcase more of Stripe’s key updates.
Link’s newest feature, Instant Bank Payments, is priced at 2.6% + 30¢ per successful charge (a discount to cards), allowing you to benefit from the cost savings of bank payments while getting the speed of card transactions.