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Increase acceptance rates by 3.8% on average with Authorization Boost, which combines Stripes AI-powered acceptance optimizations into one product. Businesses on custom interchange pricing can also lower card processing costs by up to 3.3%.
Authorization Boost
+3.8%
Adaptive Acceptance
Network tokens
Card account updater
Recover false declines with real-time retries and maximize acceptance using issuer-optimized preferences.
Reduce costs with network tokens and AI-powered optimizations, such as decline prevention and excessive retry prevention.
Automatically keep card information up-to-date, even if a card has been replaced, and retry false declines to mitigate involuntary churn.
Get a comprehensive view of your payments performance, including insights and recommendations.
Trained on billions of transactions, Stripes Payments Foundation Model uses self-supervised learning to improve the performance of products such as Authorization Boost by capturing and analyzing hundreds of subtle signals about each payment.
increase in revenue on average
Identify and retry false declines in real time before customers see a declined payment. Authorization Boost pairs decline data with hundreds of signals across the Stripe network, recovering 20% of false declines on average.
Increase the likelihood of payments acceptance with issuer-optimized messaging and formatting. Authorization Boost automatically adjusts authorization requests based on issuer preferences to help increase your authorization rates.
Businesses on IC+ pricing can lower their costs with AI that prevents excessive retries and costly declines, and access network tokens savings.
potential reduction in processing costs with custom IC+ pricing
Predict and proactively decline charges most likely to be rejected, while balancing impact to your auth rates.
Avoid network penalties by automatically preventing excessive retries and declining previously rejected charges.
Tap into possible interchange rate and scheme fee reductions with network tokens.
Mitigate involuntary churn with features that keep customers payment information up-to-date, even if a card has been replaced since their last interaction.
Stripes AI determines when to retry a transaction using a network token versus the primary account number to improve acceptance rates. Businesses can use Stripe to provision tokens or bring external tokens for processing.
Stripe supports network tokens for Visa, Mastercard, and American Express.
Card account updater accesses updated card information in real time to prevent payment failures.
Stripe supports card account updater on Visa, Mastercard, American Express, and Discover volumeincluding cross-brand updates.
View payments performance and access insights in one place
Get recommendations to improve performance and increase revenue
Receive AI-driven anomaly alerts for sudden changes in payments performance
Read the full storyTwilio SendGrid increased conversion by 2% with Stripes Authorization Boost, including Adaptive Acceptance, network tokens, and card account updater.
Read the full storyWith Stripe managing both one-time payments and recurring subscriptions, CLEAR has achieved higher conversion rates. Stripes card account updater and network tokenization help CLEAR protect revenue, increase authorization rates, and reduce churn caused by changes in customers credit cards.
With Stripe's Authorization Boost, Notion has increased acceptance rates by 1.9%, helping us ensure our users stay subscribed without payment friction, and letting us stay focused on building the connected workspace where teams do their best thinking and most meaningful work.
, Head of Revenue Accounting, Notion
Stripes cost optimizations have delivered best-in-class network savings for US Mobile, enabling us to reduce network costs by over 2% and focus on building the best wireless service for our customers.
, Chief Accounting Officer
Authorization Boost is part of the Payments Intelligence Suite, an AI-powered set of payment optimizations, fraud prevention, and business intelligence products that easily balance across authorization, fraud, and costs.
Stripe automatically requests SCA exemptions where available and authenticates your customers only when necessary to reduce friction.
Detect and reduce fraud by 32% on average with Radars AI models and approve more legitimate transactions.
Unify dispute management with automated end-to-end solutions, stay out of card brand monitoring programs, and automate evidence submission with Smart Disputes.
Stripe has direct connections to card networks to ensure our data is as rich as possible. Our industry-first Enhanced Issuer Network enables card issuers to make more informed decisions about whether to authorize transactions.
Our team is made up of veterans from financial networks, consultancies, leading brands, and industry groups. We can advise on changing regulations and provide engineering assistance to optimize your setup for conversion. Consider Stripe your advocate for concerns related to card networks and other financial partners.
Increase acceptance rates and reduce network costs with AI-powered payment optimizations, inclusive of Adaptive Acceptance, card account updater and network tokens.
With StripePayments
in AuthorizationBoost
in AuthorizationBoost
in AuthorizationBoost
Optimize every stage of the payments lifecycle with AI.
Accept payments online, in-person, and around the world.
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