Increase revenue with higher payments acceptance rates

Increase revenue and improve your network acceptance rates with a global platform that offers direct integrations to industry infrastructure, a deep understanding of issuer preferences, and powerful machine learning that optimizes every payment and improves your customer experience.

Performance-driven infrastructure

Stripe's direct integrations with global card networks and issuers reduce latency, improve reliability, and give you access to the latest features and enhanced data fields—like raw response codes—that help optimize acceptance.

Higher revenues, built into your checkout

Maximize total revenue with tools designed to avoid customer friction at checkout, protect your business from fraud, and minimize false declines. Our acceptance tools work together seamlessly to drive higher conversion.

Machine learning, put to work

Legacy payments platforms can rely on outdated infrastructure and disparate systems. The modern acquiring platform from Stripe is built to learn from billions of data points to optimize routing and messaging and optimally retry transactions to maximize acceptance.

No integration work needed

Our authorization optimizations work out of the box, with no integration work required—so you can benefit from better performance and reduced decline rates from day one.

Optimized acquiring

Improve acceptance rates with intelligent acquiring

By leveraging our insight into unique issuer-level preferences and access to the latest network features, Stripe routes transactions using the optimal formatting of payment data to maximize acceptance. Our unified API integration offers:

  • Issuer-optimized authorizations powered by ML
  • Enhanced authorizations for American Express
  • Real-time and batch Card account updater
  • Network tokenization
  • Stored credential optimizations

Intelligent recoveries

Recover declined payments with machine learning

The Stripe preprocessing layer uses optimized network messaging and real-time card updates to help prevent many declines before they happen. If a payment is declined, Stripe 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

Ready to learn more?

Learn more about how Stripe can help you optimize your authorization rates using features such as Network Tokens, Card account updater, Adaptive Acceptance, and Smart Retries. This guide provides an introduction to managing authorization rates and helps you understand how to reduce the number of legitimate payments that fail.

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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

Embed payments and financial services into your platform with Stripe. Easily accept payments within your platform to accelerate growth and revenue.