Stripe Radar is an AI-powered fraud detection and prevention system built into the Stripe payment processing platform. Developed by Stripe and launched in 2016, Radar uses machine learning models trained on data from hundreds of millions of transactions processed across millions of businesses on the Stripe network to identify and block fraudulent payments in real time. The system evaluates every transaction against hundreds of signals including card information, behavioral patterns, device fingerprinting, IP geolocation, transaction velocity, and network-wide fraud patterns to generate a risk score that determines whether a payment should be allowed, blocked, or flagged for manual review. Stripe Radar is included by default in all Stripe payment integrations at no additional cost, providing baseline fraud protection to every Stripe user. Radar for Fraud Teams, an advanced tier, adds customizable rules, manual review queues, and additional machine learning features for businesses with dedicated fraud prevention teams, priced at $0.07 per screened transaction. Radar's machine learning models continuously adapt to evolving fraud patterns, learning from outcomes across the entire Stripe network to improve detection accuracy over time. The system supports 3D Secure dynamic authentication, which intelligently determines when to request additional cardholder verification based on risk assessment, reducing friction for legitimate customers while adding security for higher-risk transactions. Stripe Radar integrates with Stripe's broader payment infrastructure including Stripe Checkout, Stripe Elements, and the Stripe API, requiring no additional integration effort for existing Stripe users. The platform provides a dashboard with fraud analytics, dispute tracking, and performance metrics. Stripe Radar is used by businesses of all sizes, from startups to enterprise companies processing billions of dollars in payments.
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