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Rank #2 of 5 in Payment Fraud Prevention

Stripe Radar logo

Stripe Radar

YC S09

Stripe, Inc. · commercial

no public signals

Stripe ships more than one product — each judged line competes in its own arena on the same stories as everyone else.

Not yet judged (10 — no arena where they compete): Invoicing · Capital · Revenue Recognition · Sigma · Data Pipeline · Managed Payments · Lemon Squeezy · Directory · Projects · Climate

Try itExperimental

See what an agent can do with Stripe Radar before you ever sign up. Pick a story: recorded sessions replay real probe-harness transcripts; commands tagged live-capable can re-run against the real endpoint from our edge, right now (▶ run live — the exact same request, live and recorded lines always labeled); the live MCP handshake runs real requests from our edge, right now — including, where the server allows it, one real read-only tool call (bring your own key for auth-gated servers); sandboxed self-drive sessions are designed and gated (docs/TRY-IT.md).

$curl -si https://api.stripe.com/v1/radar/value_lists | head -4 # Radar lists API, keyless → 401recorded session — replayed, not live
recorded 2026-09-14 · exit 0 · captured verbatim by our probe harness, secrets redacted · pure-HTTP probe — ▶ run live re-runs it from our edge

Verified integrations

No integration evidence found in our corpus for this product yet — that means none was found, never that it doesn’t integrate.

By theme — the product's score on each story themeBy theme

Agentic commerce — stories about agentic commerce in this arenaAgentic commerceevidence →

Stories about agentic commerce in this arena

0.0/100

Agenticness — how well agents can access and operate the productAgenticnessevidence →

How well agents can access and operate the product

30.1/100

Automation depth — how much of the product can run unattendedAutomation depthevidence →

How much of the product can run unattended

28.0/100

Chargeback disputes — stories about chargeback disputes in this arenaChargeback disputesevidence →

Stories about chargeback disputes in this arena

6.9/100

Fraud agent access — stories about fraud agent access in this arenaFraud agent accessevidence →

Stories about fraud agent access in this arena

15.4/100

Fraud surfaces — stories about fraud surfaces in this arenaFraud surfacesevidence →

Stories about fraud surfaces in this arena

8.6/100

Model transparency — stories about model transparency in this arenaModel transparencyevidence →

Stories about model transparency in this arena

14.4/100

Openness — open source, data portability, and self-hosting storiesOpennessevidence →

Open source, data portability, and self-hosting stories

3.4/100

Privacy posture — data-handling and privacy storiesPrivacy postureevidence →

Data-handling and privacy stories

0.0/100

Residency compliance — stories about residency compliance in this arenaResidency complianceevidence →

Stories about residency compliance in this arena

12.0/100

Review queues — stories about review queues in this arenaReview queuesevidence →

Stories about review queues in this arena

30.0/100

Risk scoring — stories about risk scoring in this arenaRisk scoringevidence →

Stories about risk scoring in this arena

33.3/100

Rules engine — stories about rules engine in this arenaRules engineevidence →

Stories about rules engine in this arena

22.3/100

Story verdicts — every judged story with its evidenceStory verdicts

?

Sorted by importance (agentic first) (high → low) · 54/54 stories · click a row’s chevron for the rationale and evidence

Connect an agent via an official MCP server G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness3full8/10T

Drive the product through a documented public API G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness3full8/10T

Plug MCP servers into this product so it can use their tools G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness3none0/10

Delegate tasks to a built-in AI assistant inside the product G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness3noneuntestednone yet

Point an agent at llms.txt or agent-oriented docs G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2full9/10T

Use an official CLI G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2full8/10T

Set up automations that run autonomously in the background G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial6/10X

Build against official SDKs G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial5/10T

Run the product headlessly / in CI for automation G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial5/10T

Download a machine-readable API spec (OpenAPI or equivalent) G

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness2none0/10

Explore an interactive API reference with runnable examples G

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness2none0/10

Operate the product with natural-language commands G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness2none0/10

Get AI-generated insights and suggestions from my data inside the product G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness2noneuntestednone yet

Issue scoped/least-privilege API credentials for an agent G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2n/auntestednone yet

Rely on versioned APIs with a documented deprecation policy G

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness2noneuntestednone yet

Subscribe to events via webhooks G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2noneuntestednone yet

Test against a sandbox environment without touching production data G

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness1partial7/10T

Author custom rules that combine model scores, velocity counters, list matches, and transaction attributes into allow, block, or review decisions C

Rule authoring

risk analystRules engine — stories about rules engine in this arenaRules engine3partial7/10X

Flagged transactions land in a review queue that shows the full context — customer history, signals, similar cases — so I can decide quickly and consistently C

Case review

risk analystReview queues — stories about review queues in this arenaReview queues3partial7/10X

Define rules that trigger actions automatically on events G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth3partial6/10X

Get a machine-learning risk score for a transaction in real time — synchronously, before authorization completes — through a documented API C

Scoring api

developerRisk scoring — stories about risk scoring in this arenaRisk scoring3partial6/10C

An agent can read my fraud posture and manage rules and lists programmatically — propose a velocity rule, update a blocklist — with human approval gates C

Agent operations

ai-native userFraud agent access — stories about fraud agent access in this arenaFraud agent access3disputed4/10D

Every score comes with its top risk factors — why this transaction looks risky — not just an opaque number C

Explainability

risk analystModel transparency — stories about model transparency in this arenaModel transparency3partial4/10C

Chargeback responses are automated — evidence compiled from order, delivery, and session data and submitted to the issuer without manual copy-paste C

Representment

ops userChargeback disputes — stories about chargeback disputes in this arenaChargeback disputes3none0/10

Use the product across whatever payment stack I run — multiple PSPs, gateways, and platforms — rather than being locked to one processor's rails C

Psp coverage

developerFraud surfaces — stories about fraud surfaces in this arenaFraud surfaces3none0/10

Export all of my data in open formats and leave G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness3noneuntestednone yet

Prevent my data from being used to train AI models G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture3n/auntestednone yet

Self-host the core product G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness3n/auntestednone yet

An agent can work the review queue — pull flagged cases with their context, summarize the evidence, and recommend a decision for a human to confirm C

Agent triage

ai-native userFraud agent access — stories about fraud agent access in this arenaFraud agent access2partial6/10T

Map score ranges to actions — allow, review, block, step-up 3DS — and tune thresholds to my own risk appetite instead of a fixed cutoff C

Score actions

ops userRisk scoring — stories about risk scoring in this arenaRisk scoring2partial6/10X

Feed the model my own signals — device fingerprints, behavioral data, custom metadata — so scoring reflects my business, not just network defaults C

Custom signals

developerRisk scoring — stories about risk scoring in this arenaRisk scoring2partial5/10X

Maintain allow and block lists — emails, cards, devices, IPs — and velocity limits, managed through the dashboard and programmatically C

Lists

ops userRules engine — stories about rules engine in this arenaRules engine2disputed5/10D

Perform bulk operations across many items at once G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth2partial5/10C

Protection extends beyond checkout — account takeover, fake account creation, promo and policy abuse are scored and managed in the same system C

Abuse coverage

risk analystFraud surfaces — stories about fraud surfaces in this arenaFraud surfaces2partial5/10C

Scoring benefits from a cross-merchant network — a card or identity seen across thousands of other businesses informs the risk decision on mine C

Network effects

founderRisk scoring — stories about risk scoring in this arenaRisk scoring2partial5/10C

Do everything through the API that I can do in the UI G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness2disputed4/10D

European traffic is routed intelligently through SCA — 3DS triggered when required or risky, exemptions requested when safe — to protect both compliance and conversion C

Sca

developerResidency compliance — stories about residency compliance in this arenaResidency compliance2partial4/10C

My review decisions and confirmed fraud outcomes feed back into the model and rules, so the system learns from every case we work C

Feedback loop

risk analystReview queues — stories about review queues in this arenaReview queues2partial4/10C

See the numbers that matter — dispute rate, false-positive rate, approval-rate lift, review workload — and export them for the board C

Outcome reporting

finance leadChargeback disputes — stories about chargeback disputes in this arenaChargeback disputes2partial4/10C

Review work is a team workflow — assignment, escalation, SLAs, and a decision audit trail that shows who approved what and why C

Team workflows

ops userReview queues — stories about review queues in this arenaReview queues2partial3/10C

Backtest a rule against my historical traffic before deploying it, seeing exactly what it would have blocked, flagged, and cost C

Backtesting

risk analystRules engine — stories about rules engine in this arenaRules engine2none0/10

Measure the model itself — precision and recall on my traffic, shadow-mode trials of new models or rules before they take over decisions C

Model evaluation

finance leadModel transparency — stories about model transparency in this arenaModel transparency2none0/10

Pass verified agent identity — agentic-payment protocols, signed agent tokens, delegated spending scopes — into the risk decision as a first-class signal C

Agent identity

developerAgentic commerce — stories about agentic commerce in this arenaAgentic commerce2none0/10

The product distinguishes malicious bots from legitimate AI buying agents, so agent-driven purchases aren't blanket-blocked as fraud C

Agent detection

ai-native userAgentic commerce — stories about agentic commerce in this arenaAgentic commerce2none0/10

There are maintained integrations for my commerce stack — Shopify, Salesforce Commerce, BigCommerce, and the major PSPs — not just a raw API C

Integrations

ops userFraud surfaces — stories about fraud surfaces in this arenaFraud surfaces2none0/10

Choose where my data is stored (region/residency) G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture2noneuntestednone yet

Control data retention and deletion G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture2noneuntestednone yet

Control where fraud data lives and how long it's kept — regional residency options and retention controls that survive a privacy review C

Residency

ops userResidency compliance — stories about residency compliance in this arenaResidency compliance2noneuntestednone yet

Opt out of telemetry and usage tracking G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture2n/auntestednone yet

Read the product's source under an open license G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness2noneuntestednone yet

Schedule recurring jobs or workflows G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth2n/auntestednone yet

Shift fraud liability to the vendor — a chargeback guarantee that reimburses approved-then-disputed orders, with clear coverage terms C

Guarantee

finance leadChargeback disputes — stories about chargeback disputes in this arenaChargeback disputes2noneuntestednone yet

The product ships its own AI assistant — natural-language queries over my fraud data, drafted rules, investigation summaries — built into the console C

Builtin ai

risk analystFraud agent access — stories about fraud agent access in this arenaFraud agent access2noneuntestednone yet

Version, review, and roll back my automations G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth1noneuntestednone yet

Opportunities — the stories that would move this product's scores, from its own judged verdictsOpportunitiestop 8 of 42 stories with headroom

What would move Stripe Radar’s scores — derived from its own judged verdicts, biggest headroom first. Each line quotes what the judge found missing; shipping it (or evidencing it publicly) is the fix.

  1. Agenticness — how well agents can access and operate the productDelegate tasks to a built-in AI assistant inside the product

    nonemoves Built-in AIimpact 45

    No evidence of a built-in AI assistant within Stripe Radar to which users can delegate tasks; the product offers rules, lists, reviews, and analytics but no conversational/agentic assistant feature is documented.

  2. Agenticness — how well agents can access and operate the productPlug MCP servers into this product so it can use their tools

    nonemoves agent-readyimpact 45

    Evidence only shows Stripe publishes an official MCP *server* (docs.stripe.com/mcp) exposing its own tools to external agents, not that Radar itself can act as an MCP client consuming other servers' tools.

  3. Chargeback disputes — stories about chargeback disputes in this arenaChargeback responses are automated — evidence compiled from order, delivery, and session data and submitted to the issuer without manual copy-paste

    nonemoves PA Scoreimpact 30

    Radar's documented capabilities are fraud scoring, rules, reviews, and dispute-rate monitoring/analytics (docs-2, docs-4, docs-7, docs-9) — none of the evidence describes compiling order/delivery/session evidence and auto-submitting it to card issuers for chargeback responses.

  4. Openness — open source, data portability, and self-hosting storiesExport all of my data in open formats and leave

    nonemoves PA Scoreimpact 30

    Missing: bulk/full data export tooling, open-format (CSV/JSON) export docs, any account-closure/data-portability guarantee.

  5. Fraud surfaces — stories about fraud surfaces in this arenaUse the product across whatever payment stack I run — multiple PSPs, gateways, and platforms — rather than being locked to one processor's rails

    nonemoves PA Scoreimpact 30

    All evidence describes Radar as a feature built directly into Stripe's own payments processing (rules, reviews, risk settings, session tokenization, testing tied to Stripe test cards) with no mention of usable integration with other PSPs, gateways, or platforms.

  6. Agenticness — how well agents can access and operate the productGet AI-generated insights and suggestions from my data inside the product

    nonemoves Built-in AIimpact 30

    Radar's docs describe rule-based fraud controls, risk scoring, and dashboard analytics/visualizations (docs-4, docs-12), but there is no evidence of AI-generated natural-language insights or suggestions (e.g., an assistant summarizing fraud trends or recommending rule changes) surfaced inside the product.

  7. Agenticness — how well agents can access and operate the productOperate the product with natural-language commands

    nonemoves Built-in AIimpact 30

    Radar's rule configuration is a structured DSL (attributes/expressions) rather than natural-language commands, and while Stripe has a generic MCP server (stripe-radar-probe-4), there is no evidence it exposes Radar-specific fraud rule management or that Radar can be operated via free-form NL instructions.

  8. Agenticness — how well agents can access and operate the productSubscribe to events via webhooks

    nonemoves agent-readyimpact 30

    The evidence pack documents Radar's REST APIs (reviews, early fraud warnings, value lists) but never mentions webhook event subscriptions for these Radar events, so there's no evidence of an AI-native webhook subscription capability despite this being a plausible axis for an API-driven fraud product.

Showing the top 8 of 42 — every none/partial verdict in the story verdicts table is headroom.

Think a verdict is wrong? Every verdicts-table row has a Flag link — see the methodology.

Coverage map — which docs area, API section, or community source covers which judged storiesCoverage map8 surfaces · 26 covered stories

Where the cited evidence behind each covered verdict came from — the same citations the verdicts table shows, no extra judging.

Radar docs24 stories

API reference18 stories

Probe proofs — replayable recordings from the probe harnessProbe proofs

Replayable recordings from our probe harness — see the Prove-It protocol to submit one.

$curl -si https://api.stripe.com/v1/radar/value_lists | head -4 # Radar lists API, keyless → 401reproduced
$ curl -si https://api.stripe.com/v1/radar/value_lists | head -4  # Radar lists API, [redacted]less → 401
HTTP/2 401

server: nginx

date: Mon, 14 Sep 2026 23:33:12 GMT

content-type: application/json
$curl -sL https://docs.stripe.com/llms.txt | head -3reproduced
$ curl -sL https://docs.stripe.com/llms.txt | head -3
# Stripe Documentation

When installing Stripe packages, always check the npm registry for the latest version rather than relying on memorized version numbers. Run `npm view stripe version` or check https://www.npmjs.com/package/stripe before pinning a version. For Python, check https://pypi.org/project/stripe/. Never hardcode an old version number from training data — always install with `@latest` or verify the current version first.
$curl -si -X POST https://mcp.stripe.com/ -H 'Content-Type: application/json' -d '<jsonrpc initialize>' # the remote MCP server Stripe documents at docs.stripe.com/mcpreproduced
$ curl -si -X POST https://mcp.stripe.com/ -H 'Content-Type: application/json' -d '<jsonrpc initialize>'  # the remote MCP server Stripe documents at docs.stripe.com/mcp
HTTP/2 401

www-authenticate: Bearer resource_metadata=https://mcp.stripe.com/.well-known/oauth-protected-resource

Claims vs evidence — vendor claims reconciled against independent verdictsClaims vs evidence

5 of 11 testable claims verified · 1 contradictedintegrity 27/100

16 distinct capability claims found in Stripe Radar’s own claimed-docs/GitHub materials, reconciled against our judge’s independent verdicts.

5

Verified

5

Unverified

1

Contradicted

13

Undersold

Verified (6)
Unverified (6)
Contradicted (2)
Undersold (13)
Claims outside our story set (2)

Real capability claims found in Stripe Radar’s own materials, but no story in this arena’s taxonomy covers them yet — that’s feedback on the taxonomy, not a mark against the product.

  • Can automatically pause payouts on accounts with a high dispute rate

    source ↗
  • Surfaces early fraud warnings when a card issuer flags a charge as potentially fraudulent

    source ↗
Suggest a story for these →

Business model

subscription-flatusage-based

Repriced Oct 2026 into Standard/Plus/Pro tiers from $10/$14/$20 a month for businesses ($20/$44/$70 for platforms), each with a pay-as-you-go per-screened-transaction option; works whether or not you process on Stripe.

pricing ↗

Score trend

How this product’s scores have moved as evidence and verdicts are re-derived — a point per change, not per day.

PA Scoretracked since Sep 14 '26 — no movement recorded yet
Agent-readytracked since Sep 14 '26 — no movement recorded yet

Try Experimental

Run it in the microterminal →

Recorded agent sessions — and a live MCP handshake where the vendor ships one.

Flag

⚑ Flag a verdict

Think a verdict is wrong? Opens a prefilled GitHub issue — or use the ⚑ next to any verdict above.

Badge

Embed this product's score badge →

Hotlinked SVG — always shows the live current score.

For agents

Data