Last week, we shared new data that helps businesses understand the conversion and revenue benefits of offering different payment methods. Now we want to share how we ran the experiment. As we explain in the rest of this post, we had to test millions of combinations of payment methods while ensuring that we maintained a consistent shopping experience for customers.

We have data that shows when at least one additional relevant payment method beyond cards is dynamically surfaced, businesses on average see a meaningful increase in conversion and revenue.

Last month, we improved our AI tooling to give you even more flexibility when combating fraud. Now, Radar’s new rules combine our machine learning models with the issuer’s CVC and postal code response in real time. This can help you minimize fraud while worrying less about accidentally blocking legitimate revenue.

The Optimized Checkout Suite uses AI to personalize the checkout experience—dynamically adjusting everything from payment method ordering to fraud interventions in order to maximize conversion and boost revenue.

Founders can now accept payments immediately after incorporation, while Atlas handles the IRS filings in the background.

Recent AI upgrades to Adaptive Acceptance led to a record $6 billion in false declines recovered in 2024—a 60% year-over-year increase.

With the rise of usage-based billing for AI services, the strategic importance of credits is growing. That’s why we’ve recently added a new credits feature to Stripe Billing.

We created a usage-based billing system with an accurate and highly available revenue ledger; real-time events processing with ultrahigh throughput billing; and the ability to support complex pricing models and accurate billing, even in the face of delayed events. Doing so required reimagining how to build a highly scaled, highly reliable event streaming platform.

With our slice monitoring program, we use machine learning to spot small pockets of performance declines amid the sea of global payments.

While Radar’s models predict the likelihood of fraud or card testing, we needed a new way to recognize verification attacks that were causing higher-than-average authorization rates. Learn about our three-layered approach to combating this new fraud trend.