The AI opportunity in payments: Optimize, maximize, and grow

We surveyed over 2,000 global business leaders to learn how they’re putting AI to work in their payment operations. This guide summarizes our findings and explores how to use AI throughout the payment lifecycle to meet rising customer expectations, mitigate fraud risks and false declines, improve authorization rates and conversions, lower operational costs, and drive revenue growth.

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The AI opportunity for payments

How leaders are growing revenue and reducing costs with AI

Payment leaders are increasingly turning to AI to improve payment operations. Across the payment lifecycle, they are:
  • Optimizing conversion with personalized checkout experiences
  • Applying intelligent authentication to decrease friction while enabling compliance
  • Reducing fraud by detecting patterns across hundreds of signals
  • Boosting authorization rates with optimal routing and retries
  • Saving time and money on disputes with automatic dispute prevention and resolution

Key insights

Growing adoption of AI in payments

AI adoption in payments is gaining momentum, with our research showing that:

43%

of companies already use AI or machine learning tools in payments

32%

plan to implement them within the next two years

76%

believe AI will increase payments profitability and reduce fraud

78%

believe AI will drive more personalized customer experiences

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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