Stripe SignalsPrivate preview

Access intelligence about your transactions, customers, and businesses.

Stripe Signals allow you access to insights derived from interaction data across the Stripe network. You can incorporate signals into your models, agents, and workflows—whether or not you process payments through Stripe.

Request access

You can request access to the signals you’re interested in by clicking the cards below.

How Stripe Signals work

Stripe Signals provide access to network intelligence with the following capabilities:

Multiprocessor interoperability: You can receive signals for transactions and events that are processed through Stripe or another payments processor. Integrate Stripe network intelligence by passing in relevant metadata or linking an existing entity.
Control over decisions: Signals behave like inputs to your own models, agents, or workflows. You review the risk scores and explanations, and make decisions based on your business goals.
Signal accuracy improvements: Based on the outcomes you report (for example, payment success, dispute filing, or account legitimacy), Stripe continuously improves the accuracy of the signals you receive.

Secure every transaction

Fraudulent payment

Identify whether a payment is high risk before it settles. Use this signal to block fraud, flag payments for review, or feed your own risk engine.

Fraudulent dispute

Identify whether a payment is likely to result in a fraudulent dispute. Use this signal to issue refunds, gather evidence, or adjust your dispute strategy.

Early fraud warning

Identify whether a payment is likely to trigger an early fraud warning from the card network. Use this signal to refund proactively and protect your dispute rate.

Fraudulent issuing transaction

Evaluate in real time whether an issued card authorization is fraudulent. Use this signal to auto-decline suspicious authorizations, trigger step-up verification, or feed your own risk engine.

Pay-as-you-go abuse

Identify subscription customers who are likely to abuse the platform by intentionally not paying their next invoice. Use this signal to review high-risk accounts, issue early invoices, or limit access before losses accrue.

Understand your customers

Account sharing abuse

Identify whether a single user account is being used simultaneously in multiple locations. Use this signal to restrict access or flag the account for review.

Multi-account abuse

Evaluate whether a single bad actor is operating multiple accounts to abuse your service. Use this signal to block duplicate accounts, restrict access, or flag an account for review.

Understand the businesses on your platform

Fraudulent merchant

Identify whether a new or existing account poses a fraud risk. Use this signal to flag suspicious accounts for review, restrict payouts, or automate your trust decisions.

Fraudulent website

Evaluate whether a website belonging to a business contains suspicious or misleading content. Use this signal to automate onboarding verifications, flag accounts for manual review, or improve your own risk scoring.

Merchant delinquency risk

Identify which accounts are at risk of carrying a negative balance for more than 60 days. Use this signal to proactively adjust payout schedules, require reserves, or flag an account for review.