Optimize every transaction with AI
Grow your revenue with AI-powered optimizations at every stage of the payments lifecycle. Stripe’s Payments Foundation Model—an industry first—uses self-supervised learning to analyze payments patterns and boost your performance.
AI-optimized
Advanced payments, powered by AI
We apply AI at every stage of the customer journey—from personalized checkout experiences to dispute recovery—to grow your revenue, combat fraud, and reduce costs.
Convert customers
Increase revenue by 11.9% on average with the Optimized Checkout Suite, which uses AI to personalize and dynamically display the most relevant payment methods for every checkout session.
Mitigate fraud
Detect and reduce fraud by 38% on average with Radar’s AI models, and win more chargebacks with Smart Disputes.
Recover revenue
Increase revenue retention with AI-powered Smart Retries. Stripe’s recovery tools help businesses recover 57% of failed recurring payments on average.
Facilitate seamless experiences
Boost conversion while adapting to changing regulatory requirements with Stripe’s authentication optimizations. Stripe automatically requests SCA exemptions where available.
Reduce false declines
Increase authorization rates by 2.2% on average with AI-powered tokenization and messaging, formatting, and cost optimizations.
Core technology
The industry’s first Payments Foundation Model
Stripe’s Payments Foundation Model is trained on tens of billions of transactions using self-supervised learning to drive results.
$1.4T
in payments volume processed in 2024
92%
of cards have been seen before by Stripe
95%+
of card testing attacks identified in real time
Testimonials
Trusted by leading global brands
Read case studyStripe continues to be a strategic partner for us. They scale with our growth and enable us to stay on the cutting edge when it comes to offering payment options for our customers that help them increase their sales and conversions.
Read case study[We use Stripe] to offer frictionless 3DS and exemption flows. It not only reduces fraud risk but genuinely elevates our customers’ shopping experience.
Read our case studyStripe has a relentless focus on innovation. A great example of this is the machine learning model used to enhance authorization rates. We’ve realized roughly a 1% uplift in authorization rates just from Adaptive Acceptance. It requires zero effort from our side. It’s purely done on the engineering efforts of Stripe.
The GitHub Sponsors program saw an increase in total contributions to developers by 52% with Stripe’s Payments Intelligence Suite, including Adaptive Acceptance, network tokens, card account updater, and Radar. Stripe helped us optimize for authorization, cost, and fraud to increase customer trust and growth.
More resources
Blog
Blog
How Stripe is using AI to create personalized checkout experiences
Podcast
Podcast
The past, present, and future of AI, with Stripe
Blog
Blog
Using AI to create dynamic, risk-based Radar rules
Ready to learn more?
Get in touch to see Stripe’s AI solutions in action, plus tailored integrations and pricing for your business.
Monetize your AI products
Whether you charge by subscription, usage, or outcome, join the thousands of AI companies processing payments on Stripe.