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Increase revenue with lower decline rates on Stripe

Increase revenues and improve your network acceptance rates with a platform that offers direct integrations to industry infrastructure, issuer-level insight, and powerful machine learning that optimises every payment and reduces declines.

Performance-driven infrastucture

Stripe’s direct integrations with the card networks reduce latency, improve reliability, and give you access to the latest features and enhanced data fields – such as raw response codes – that help optimise payments.

Higher revenues, built in

Maximise total revenue with tools designed to avoid friction at checkout, protect your business from fraud, and minimise declines. Our acceptance tools automatically adapt to your business to drive higher conversion.

Put machine learning to work

Legacy payments systems can rely on outdated infrastructure. Stripe’s modern acquiring platform is built to learn from billions of data points to optimise routing and messaging on each transaction.

Easy integration

Stripe's solution works out of the box, with no integration work required – so you can benefit from better performance and reduced decline rates from day one.

Optimised acquiring

Improve acceptance rates with intelligent acquiring

Stripe delivers powerful, issuer-level insight and access to the latest network features using our direct network integrations and industry partnerships. Our unified API integration offers:

  • Issuer-optimized authorisations powered by ML
  • Dynamic validations to confirm card details
  • Real-time and batch card account updater
  • Enhanced authorisations for American Express
  • Tokenisation service
  • Stored credential optimisations

Intelligent recoveries

Recover declined payments with machine learning

Stripe’s pre-processing layer uses optimised network messaging and synchronous card updates to help prevent declines before they happen. If a payment is declined, Stripe's Adaptive Acceptance uses ML to identify the best retry messaging and routing combinations to save lost revenue for all card payments. In addition, Stripe Billing can reduce declines for recurring charges by up to 45% using smart dunning to retry charges at a later time.

Stripe's ML models choose the best optimizations for retrying failed payments

When Remitly added Stripe as a payments partner, we saw an immediate and significant increase in authorisation rates. That's great for Remitly's business and – most importantly – for our customers, who come to us for fast, secure, low-friction transactions.

Nate Spanier , VP, Global Payments and Risk

Since moving over to Stripe, our payment processing approval rates have picked up by 6% in a very, very short period of time, which is a huge win on improving our conversion rates with customers and our reputation with issuers.

Matthew Neff, Global Head of Product

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Recurring payments

Bill one-off or on a recurring basis, manage subscriptions and reduce payment declines with Stripe’s recovery tools.

Platform payments

Bill one-off or on a recurring basis, manage subscriptions and reduce payment declines with Stripe’s recovery tools.