Stripe helps you meet regulatory requirements, fight fraud and facilitate seamless customer experiences.

Pure Set $250

Email

jane.diaz@example.com

Shipping address

Jane Diaz

27 Fredrick Ave

Brothers

97712

OR

United States

Payment method

Card

Afterpay

Pay $250

Purchase Authentication

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Automatically request SCA exemptions where available and benefit from machine learning-based optimizations so your customers only authenticate when necessary.

Stay up to date with fragmented global authorization requirements as they evolve.

Import 3D Secure authentication results from external providers for authorization, or authenticate with Stripe and authorize later.

Improve your customer experience with data-only flows and let customers authenticate within checkout with delegated authentication.

Strike the right balance between conversion, cost, and fraud mitigation with machine learning–based authentication. Our authentication optimization engine helps you meet requirements while reducing checkout friction for your customers across applicable regions and device types. On average, businesses in SCA regions can benefit from a 1% uplift in conversion on transactions over $500 with the authentication engine, all while reducing fraud on all transactions by 8%.

Automatically select the optimal protocol optimization and authentication pathway for your business
Use granular API controls to customize your own authentication flows
Apply available relevant risk-based SCA exemptions automatically

60% of shoppers will abandon a checkout that takes more than two minutes. Utilize biometrics for faster authentication and higher conversion rates than traditional 3D Secure, while still reducing fraud. Delegated authentication is expanding soon to more issuers.

Configure your authentication processes for different types of flows, whether you want to use Stripe for both authentication and payment processing, or as part of a multiprocessor set-up.

Use Stripe for both authentication and payment processing

Maximize conversion across the funnel with our full-stack payments processing solution.

Import your authentication results for processing

Manage your own authentication while still benefiting from our industry-leading authorization performance.

Use Stripe as your standalone authentication server

Access the latest authentication features in one place with proprietary optimizations that help increase your revenue.

Authentication regulations in Europe and other regions can help prevent fraud. But, since 20% of challenge flows lead to abandonment, authentication can also add friction and time to your checkout flow. Stripe helps your business meet these requirements while minimizing the tradeoffs that impact conversion.

Payments

Stripe Guide to Strong Customer Authentication

Check out our docs on 3D Secure authentication flows and reporting

Learn how PSD3 could impact platforms and marketplaces

Out-of-the-box SCA readiness
Customizable 3DS rules and lookups
Rules-based SCA exemptions
Standalone authentication server (eligible businesses only)

3¢

per 3D Secure attempt for accounts with custom pricing

See pricing details

Personalized, advanced machine learning–based algorithms for boosting conversion, reducing fraud, and reducing costs
Intelligent use of risk-based SCA exemptions and Data Only flows
Delegated authentication

Advanced features included

for businesses using Adaptive Acceptance

Fight fraud and reduce checkout friction.

See how market leaders across the globe use Stripe

Accept payments online, in-person, and around the world

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Guides

Use Stripe for both authentication and payment processing

Import your authentication results for processing

Use Stripe as your standalone authentication server

Payments

Stripe Guide to Strong Customer Authentication