Payments optimizationVersion bêta privée
Learn about Stripe's optimization features and how they can increase your payment success rate.
Version bêta privée
Payments optimization is in private preview.
Use the Optimization page to view the estimated increase in payment volume and acceptance rate from optimization features. To navigate to this page in the Stripe Dashboard, click Payments > Analytics > Optimization.
This page describes Adaptive Acceptance (AA), network tokens, and card account updater, which are all included in Stripe’s Authorization Boost. Use these features to help increase your success rates on card-not-present (CNP) payments by applying machine-learning driven adjustments to failed or ill-formatted payment attempts.
Remarque
Optimization calculations are estimates and aren’t guarantees of any outcomes. You can use the data we provide to help inform your decision-making about whether to use these features. Refer to this page regularly to ensure you have the most up-to-date optimization feature information.
Optimization features
Stripe uses the following features to improve your success rates on CNP payments:
| Feature | Description | When the feature is applied |
|---|---|---|
Adaptive Acceptance | Adaptive Acceptance uses machine learning to reformat payment requests based on card issuers’ preferences. Stripe can make these changes before sending a payment or after a payment is declined. For example, Stripe selectively adjusts and reattempts declined payments in real-time, which can help recover a significant number of false declines. Additionally, Adaptive Acceptance might apply cost optimizations for businesses on IC+ pricing to help reduce network or interchange fees. | Adaptive Acceptance retried an initially declined payment, and the retry was successful. Or, Stripe reformatted the payment prior to authorization based on issuer preferences. |
| Card account updater | Card numbers and expiration dates regularly change, so outdated card information is a common source of declines for online businesses. Stripe integrates with major card networks to update saved card payment information automatically to help you access the latest card details. | A successful payment was made using a card that previously had updates to the underlying card information. Updates include changes to the card expiration date or the primary account number (PAN). |
| Network tokens | Network tokens are payment credentials that serve as substitutes for card numbers and are more secure. Network tokens help you process payments with the most up-to-date credentials, even if the underlying card data has changed. Stripe has built integrations with major card networks to tokenize your cards. Learn more about network tokens. | A successful payment was made using a network token that previously had updates to the underlying card information. Updates include changes to the card expiration date or the primary account number (PAN). |
To learn more about optimizations, see Optimizing authorization rate.
How Stripe calculates uplift from optimizations
For each payment, Stripe assesses the likelihood that optimizations contributed to its success, recognizing that some payments might have been approved even without the use of optimizations. This approach helps Stripe estimate the impact of optimizations on your business more accurately. If multiple optimizations are applied to a single payment, the benefit is attributed to the one we determine to be the most likely responsible for approval.
Here’s an example calculation:
- We determine which payments benefited from the use of an optimization feature. For example, your business had 100 payments that were optimized from a feature, each with an amount of
50 USD. - We determine the estimated likelihood that the feature led to the payment succeeding, where it would’ve otherwise failed. In this example, we assume a
20%likelihood for each of the 100 payments. - To calculate the recovered payment volume, we sum the total amount attributed to these optimized payments and multiply this sum by the probability that feature was responsible for the approval. In this example, the estimated recovered volume is:
100 payments * 50 USD * 0..20 = 1,000 USD
You can see a detailed breakdown of the performance of each optimization feature in the Optimizations breakdown chart.
Specify date range and aggregation
You can specify a date range and aggregation filter. If you specify a range and aggregation, they apply to all of your charts, metrics, and tables. Selecting different aggregations helps you to see trends and patterns more clearly based on your goals.
Specify the date range
Select the date range and choose a specific period you want to analyze. You can choose from predefined options (such as Last 7 days, Last 30 days) or set a custom date range to suit your analytical needs.
Specify the aggregation method
Next to the date range selector, select the aggregation period. This allows you to view data in specific intervals, such as daily, weekly, or monthly.
Set the aggregation period to 14 days and to display the data in daily intervals.
Optimization impact summary
Use this report to see either the payment volume or number of payments recovered for your business from your enabled optimization features.
- To see the volume of payments recovered by using optimizations, click Payment volume.
- To see the number of payments recovered by using optimizations, click Payments.
For a more detailed breakdown of the performance of each optimization feature, see the Optimization breakdown chart.
Payment success rate
This chart visually helps you compare what your estimated payment success rate is without the use of optimizations. The success rate on this chart is for card-not-present (CNP) card payments only and shows the raw rate, rather than the deduplicated one. The raw rate counts all of attempts to make the same purchases, whereas the deduplicated rate groups retried attempts together and calculates acceptance based on the final outcome.
The blue dotted line is your estimated rate without optimization features.
Optimization breakdown
This chart is similar to the Optimization impact summary chart, and also provides additional insights into how each optimization feature affects your payment performance.
- To see the volume of payments recovered by each optimization feature, click Payment volume.
- To see the number of payments recovered by each optimization feature, click Payments.
You can see the recovered volume, payments, and success rate increase for each optimization feature:
| Recovered volume | The total estimated monetary amount of payments that were successfully processed as a result of the optimization feature, which might have otherwise failed without it. It measures the financial impact of the optimization in terms of revenue retention. |
| Recovered payments | The estimated number of individual payments that were successfully approved as a direct result of using the optimization feature. These are payments that might have been declined without the implemented optimization. |
| Success rate increase | The estimated growth in the approval rate as a result of the optimization feature. Stripe models this based on what we think the success rate is without this feature. |
Download breakdown
To download these analytics, click Download at the bottom of the chart. The download allows you to see individual payments where we applied optimization features. You can also see the estimated likelihood that the payment succeeded as a direct result of using the feature.