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Link to original content: https://stripe.com/en-jp/authorization
The world’s leading ecommerce, SaaS, and marketplace brands use Stripe to optimize payments, reduce churn, and improve network acceptance rates—generating billions of dollars in incremental revenue each year.
Accept more transactions and reduce declines with a suite of optimizations informed by trillions of data points.
Keep card information up-to-date automatically to avoid involuntary churn and checkout friction, and retry failed transactions at the optimal time.
See an up to 8% reduction in fraud and a 1%–2% authorization rate uplift on eligible volume with Stripe’s Enhanced Issuer Network.
Reach your goals with integration advice, workshops, data analysis, and tailored recommendations for large businesses to optimize your payments.
Prevent lost revenue with real-time retries and optimized network messaging, which use the preferred formatting for issuing banks.
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.
Mitigate involuntary churn with features that keep customers’ payment information up-to-date, even if a card has been replaced since their last interaction.
Stripe supports network tokens for Visa, Mastercard, and American Express volume. Our machine learning–powered optimization determines when to use a network token versus primary account number to improve acceptance rates. Businesses can use Stripe to provision tokens or bring external tokens for processing.
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.
Strike the right balance between conversion, cost, and fraud mitigation with Stripe’s machine learning–based authentication. Our SCA optimization engine and delegated authentication solution help you meet SCA requirements while reducing checkout friction for your customers.
Maximize conversion by automatically requesting available SCA exemptions. This reduces checkout interruptions, while optimizing costs, with machine learning–powered authentication routing.
Import 3D Secure authentication results from external providers for authorization, or authenticate with Stripe and submit authorization later. You can also improve conversion and lower fraud through data-only flows using EMV 3D Secure standard.
Use biometrics to authenticate users faster and with higher conversion rates than traditional 3D Secure while still reducing fraud. Delegated authentication is expanding soon to more issuers.
Read the full storySince moving over to Stripe, our payment processing approval rates have picked up by 6% in a very, very short period of time, which is a huge win on improving our conversion rates with customers and our reputation with issuers.
Read the full storyOver the first 12 months of our partnership with Stripe, we will capture millions more value in sales than we previously would have.
Read the full storyStripe has a relentless focus on innovation. A great example of this is the machine learning model used to enhance authorization rates.
Read the full storyWe have fewer declined transactions and consequently lower churn rates resulting from our payment processor.
Use the Acceptance report in the Stripe Dashboard to visualize and monitor payments performance, understand incremental value and ROI of payments optimizations, and detect anomalies.
Our team comprises veterans of financial networks, consultancies, leading brands, and industry groups. We offer advice on changing regulations, integration best practices, and engineering assistance to future-proof your integration and boost conversion. Consider Stripe your advocate for concerns related to card networks and other financial partners.
Familiarize yourself with how to manage authorization rates and learn how to reduce the number of legitimate payments that fail.
Make the most of every customer interaction.
See how market leaders across the globe use Stripe.
Accept payments online, in-person, and around the world.
