Fintech leader Stripe rolled out a wave of product innovations at its annual Stripe Sessions conference on Wednesday, signaling a bold push toward AI-driven payments and global financial expansion.
From launching a new AI foundation model for payments to supporting stablecoins and expanding billing capabilities, Stripe continues to build an all-in-one platform that supports both large enterprises and growing startups.
Stripe’s New AI Model Supercharges Fraud Detection
At the heart of Stripe’s announcements is its new payments foundation model, trained on tens of billions of transactions. According to Emily Glassberg Sands, Stripe’s head of information, the model captures “hundreds of subtle signals about each payment” that traditional fraud systems often overlook.
One major result is improved defense against card-testing attacks, a form of fraud where criminals test stolen credit card numbers. While earlier models slowly reduced such attacks by 80% over two years, this new AI model boosted detection rates by 64% overnight for large businesses.
“We couldn’t fully leverage our massive data trove before — now we can,” Sands said.
Unlike rule-based systems, Stripe’s AI uses self-supervised learning, allowing it to develop its own predictive features. Will Gaybrick, Stripe’s president of product and business, noted that generalized models like this perform better and adapt faster to evolving fraud trends. “Agility is key,” he said. “Generalized models just work better.”
Stripe isn’t alone in this space — startups like Sardine, an AI risk platform for fraud and credit, have also emerged. But Stripe’s depth of data and scale give it a unique edge.
In a sign of growing demand for Stripe’s billing and fraud tools, AI firms including OpenAI, Anthropic, Perplexity, and ElevenLabs now use Stripe’s billing platform. Most notably, Nvidia migrated its entire subscriber base to Stripe Billing in just six weeks — the fastest ever, according to Stripe’s revenue head, Vivek Sharma.
Stablecoin Payments, Global Tools, and Smart Expansion
Another standout from the event was Stripe’s announcement of stablecoin-powered multicurrency cards. Built in partnership with Ramp, Squads, and Airtm, these cards allow businesses in different countries to transact in a single currency, removing costly exchange friction.
The move follows Stripe’s acquisition of stablecoin platform Bridge just three months earlier, showing the company’s growing commitment to crypto-backed solutions for real-world use.
Stripe also unveiled Orchestration, a new tool that helps companies manage and optimize payment performance across different providers — even those outside of Stripe. This lets businesses centralize payment strategies without being locked into a single processor.
In addition, Stripe is expanding its merchant-of-record offering, Managed Payments, which handles everything from global taxes to fraud disputes, making it easier for companies to enter new markets with less risk and overhead.
Other product highlights from Stripe Sessions 2025 include:
- 25 new payment methods, including India’s UPI and Brazil’s PIX, bringing the total to 125+ supported options.
- Klarna integration with Link, Stripe’s one-click consumer payment tool, arriving this summer.
- Stripe Terminal support for third-party hardware, starting with Verifone.
- Smart Disputes, an AI-powered system that automates chargeback handling.
- Stripe Tax expansion to 102 countries, with full automation for monitoring, collecting, filing, and registering.
- Global Payouts, which lets businesses pay customers and contractors via email — streamlining disbursements globally.
Stripe’s latest moves emphasize a broader mission: to create a comprehensive financial infrastructure where businesses can manage payments, taxes, compliance, and fraud under one unified platform — all powered by AI and designed for global scale.
