Boost revenue with higher authorisation rates
Increase acceptance rates by 2.2% on average with Authorisation Boost, which combines Stripe's AI-powered acceptance optimisations into one product. Businesses on custom interchange pricing can also lower card processing costs by up to 2.8%.
Increase authorisation rates with AI
Recover false declines with real-time retries and maximise acceptance using issuer-optimised preferences.
Lower card processing costs
Reduce costs with network tokens and AI-powered optimisations, such as decline prevention and excessive retry prevention.
Reduce customer churn
Automatically keep card information up-to-date, even if a card has been replaced, and retry false declines to mitigate involuntary churn.
Manage performance from the Dashboard
Get a comprehensive view of your payments performance, including insights and recommendations.
Core technology
Powered by the industry's first Payments Foundation Model
Trained on billions of transactions, Stripe's Payments Foundation Model uses self-supervised learning to improve the performance of products such as Authorisation Boost by capturing and analysing hundreds of subtle signals about each payment.
AI-powered
Increase authorisation rates with AI
2.2%
increase in revenue on average
Recover false declines
Identify and retry false declines in real time before customers see a declined payment. Authorisation Boost pairs decline data with hundreds of signals across the Stripe network, recovering 20% of false declines on average.
Maximise acceptance ratesÂ
Increase the likelihood of payments acceptance with issuer-optimised messaging and formatting. Authorisation Boost automatically adjusts authorisation requests based on issuer preferences to help increase your authorisation rates.
Cost optimisation
Lower card processing costs
Businesses on IC+ pricing can lower their costs with AI that prevents excessive retries and costly declines, and access network tokens savings.
2.8%
potential reduction in processing costs with custom IC+ pricing
Decline prevention
Predict and proactively decline charges most likely to be rejected, while balancing impact to your auth rates.
Excessive retry prevention
Avoid network penalties by automatically preventing excessive retries and declining previously rejected charges.
Network tokens savings
Tap into possible interchange rate and scheme fee reductions with network tokens.
Life-cycle management
Reduce customer churn
Mitigate involuntary churn with features that keep customers’ payment information up-to-date, even if a card has been replaced since their last interaction.
Network tokens
Stripe's 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.
Card account updater
Card account updater accesses updated card information in real time to prevent payment failures.