Boost revenue with higher authorisation rates

Authorisation Boost

Boost revenue with higher authorisation rates

Increase acceptance rates by 3.8% 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 3.3%.

Authorisation Boost +3.8%

Payment volume Payments Cost savings

$50k

Jan Apr

Adaptive Acceptance

Network tokens

Card account updater

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.

$1.9T

in payments volume processed in 2025

92%

of cards have been seen before by Stripe

AI-powered

Increase authorisation rates with AI

3.8%

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 rates

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.

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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.

3.3%

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 .

Lifecycle 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.

Stripe supports network tokens for Visa, Mastercard and American Express.

Card account updater

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 volume – including cross-brand updates.

Analytics

Manage performance from the Dashboard

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

Twilio SendGrid increased conversion by 2% with Stripe's Authorisation Boost, including Adaptive Acceptance, network tokens and card account updater.

With Stripe managing both one-time payments and recurring subscriptions, CLEAR has achieved higher conversion rates. Stripe's card account updater and network tokenisation help CLEAR protect revenue, increase authorisation rates and reduce churn caused by changes in customers' credit cards.

With Stripe's Authorisation 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.

Jonathan Truong, Head of Revenue Accounting, Notion

Stripe's cost optimisations 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.

Umair Ansari, Chief Accounting Officer

Payments Intelligence Suite

Powerful AI-powered optimisations to increase revenue and reduce costs

Authorisation Boost is part of the Payments Intelligence Suite, an AI-powered set of payment optimisations, fraud prevention and business intelligence products that easily balance across authorisation, fraud and costs.

Optimise your payments performance

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Authentication

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