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How Stripe Identity’s scores are calculated

The full audit trail, recomputed from the verdict data at build time through the same code that produced the leaderboard: verdict × quality × story weight per cell, cells sum to dimension scores, dimensions blend into the PA Score. Every number on the product page is reproducible from this page alone; for why the formula looks like this, see the methodology.

verdict factors: full ×1.0 · partial ×0.6 · disputed ×0.3 · none ×0.0 · n/a excluded from both sides · cell points = weight × quality × factor · cell max = weight × 10

PA Score24/100

Agent-ready 47.3 × 0.30 = 14.19

API quality 6.9 × 0.20 = 1.38

Openness 14.4 × 0.20 = 2.88

Built-in AI 20.0 × 0.15 = 3.00

Automation 18.0 × 0.15 = 2.70

(14.19 + 1.38 + 2.88 + 3.00 + 2.70) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 24.15 ÷ 1.00 = 24.2

Scores are stored to 1 decimal; the product page’s pills round to whole numbers for display. Each dimension below shows the stories, verdicts, and cited evidence behind its number.

Agent-ready47.3/100×0.30 of the PA blend

Outside-in: can YOUR agent reach and drive this product — API, MCP, CLI, headless runs, agent docs.

Point an agent at llms.txt or agent-oriented docsweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

  • [probe] https://docs.stripe.com/llms.txtPROBE llms.txt: HTTP 200 at https://docs.stripe.com/llms.txt # Stripe Documentation When installing Stripe packages, always check the npm registry for the latest version rather tha
  • [probe] https://docs.stripe.com/identity.mdPROBE docs-md: HTTP 200 at https://docs.stripe.com/identity.md # Identity Verify government-issued IDs, match documents to selfies, and validate SSNs to prevent fraud. Use [Stripe I
  • [claimed-docs] https://docs.stripe.com/identity.mdCapture government-issued photo IDs with a conversion-optimized verification flow

Run the product headlessly / in CI for automationweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document
  • [claimed-docs] https://docs.stripe.com/identity/handle-verification-outcomes.mdListen for verification results so your integration can automatically trigger reactions.
  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [claimed-docs] https://docs.stripe.com/identity/verification-flows.mdYou can use a flow’s static link to verify any number of your users.

Plug MCP servers into this product so it can use their toolsweight 3

n/a — not applicable to this product: excluded from numerator and denominator

  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API
  • [probe] https://docs.stripe.com/mcpofficial MCP server documented at https://docs.stripe.com/mcp

Connect an agent via an official MCP serverweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API
  • [probe] https://docs.stripe.com/mcpofficial MCP server documented at https://docs.stripe.com/mcp

Use an official CLIweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

  • [probe] https://docs.stripe.com/stripe-cliofficial CLI documented at https://docs.stripe.com/stripe-cli

Drive the product through a documented public APIweight 3

3 (weight) × 8 (quality) × 1.0 (full) = 24.0 of 30 max

  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document
  • [claimed-docs] https://docs.stripe.com/identity/handle-verification-outcomes.mdListen for verification results so your integration can automatically trigger reactions.
  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdOverride status: Manually override the verification status to match your decision on whether or not the customer is verified.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdAdd to blocklist: Add the document to a blocklist to programmatically block future verifications completed with the same document.
  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API
  • [probe] https://docs.stripe.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)
  • [probe] https://docs.stripe.com/mcpofficial MCP server documented at https://docs.stripe.com/mcp

Issue scoped/least-privilege API credentials for an agentweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Build against official SDKsweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document
  • [claimed-docs] https://docs.stripe.com/identity/handle-verification-outcomes.mdListen for verification results so your integration can automatically trigger reactions.
  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API
  • [probe] https://docs.stripe.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)
  • [probe] https://docs.stripe.com/mcpofficial MCP server documented at https://docs.stripe.com/mcp

Subscribe to events via webhooksweight 2

2 (weight) × 7 (quality) × 1.0 (full) = 14.0 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/handle-verification-outcomes.mdListen for verification results so your integration can automatically trigger reactions.
  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [claimed-docs] https://docs.stripe.com/identityAccess collected images, and extracted data from government-issued ID documents

Agent-ready = 85.2 ÷ 180 × 100 = 47.3

API quality6.9/100×0.20 of the PA blend

The programmable surface once an agent is there — machine-readable spec, interactive docs, sandbox, versioning discipline.

Explore an interactive API reference with runnable examplesweight 2

2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document
  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [probe] https://docs.stripe.com/identity.mdPROBE docs-md: HTTP 200 at https://docs.stripe.com/identity.md # Identity Verify government-issued IDs, match documents to selfies, and validate SSNs to prevent fraud. Use [Stripe I
  • [probe] https://docs.stripe.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)

Download a machine-readable API spec (OpenAPI or equivalent)weight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [probe] https://docs.stripe.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)
  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 10 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Rely on versioned APIs with a documented deprecation policyweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document
  • [probe] https://docs.stripe.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.stripe.com/openapi.json, https://docs.stripe.com/swagger.json, https://docs.stripe.com/api/openapi.json, https://docs.stripe.com/.well-known/openapi.json)

API quality = 4.8 ÷ 70 × 100 = 6.9

Openness14.4/100×0.20 of the PA blend

Can you leave, inspect, or self-host — data export, open source, portability.

Do everything through the API that I can do in the UIweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document
  • [claimed-docs] https://docs.stripe.com/identity/handle-verification-outcomes.mdListen for verification results so your integration can automatically trigger reactions.
  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdOverride status: Manually override the verification status to match your decision on whether or not the customer is verified.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdAdd to blocklist: Add the document to a blocklist to programmatically block future verifications completed with the same document.
  • [claimed-docs] https://docs.stripe.com/identity/verification-flows.mdFlows provide a way to save and reuse the same configuration across all of your integration interfaces.
  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API
  • [probe] https://docs.stripe.com/mcpofficial MCP server documented at https://docs.stripe.com/mcp

Export all of my data in open formats and leaveweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [claimed-docs] https://docs.stripe.com/identityAccess collected images, and extracted data from government-issued ID documents

Read the product's source under an open licenseweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Self-host the core productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Openness = 7.2 ÷ 50 × 100 = 14.4

Built-in AI20.0/100×0.15 of the PA blend

Inside-out: how agentic the product itself is for its users — built-in assistants, autonomous features.

Get AI-generated insights and suggestions from my data inside the productweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Set up automations that run autonomously in the backgroundweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/handle-verification-outcomes.mdListen for verification results so your integration can automatically trigger reactions.
  • [claimed-docs] https://docs.stripe.com/identity/access-verification-results.mdYou can access most verification details programmatically... using your secret key.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdOverride status: Manually override the verification status to match your decision on whether or not the customer is verified.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdAdd to blocklist: Add the document to a blocklist to programmatically block future verifications completed with the same document.
  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API
  • [probe] https://docs.stripe.com/mcpofficial MCP server documented at https://docs.stripe.com/mcp

Delegate tasks to a built-in AI assistant inside the productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Operate the product with natural-language commandsweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API
  • [probe] https://docs.stripe.com/mcpofficial MCP server documented at https://docs.stripe.com/mcp

Built-in AI = 12.0 ÷ 60 × 100 = 20.0

Automation18.0/100×0.15 of the PA blend

Depth of automation primitives — rules, scheduling, bulk operations, webhooks.

Perform bulk operations across many items at onceweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [claimed-docs] https://docs.stripe.com/identity/verification-sessions.mdcurl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document
  • [claimed-docs] https://docs.stripe.com/identity/verification-flows.mdYou can use a flow’s static link to verify any number of your users.

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 5 (quality) × 0.6 (partial) = 9.0 of 30 max

  • [claimed-docs] https://docs.stripe.com/identity/handle-verification-outcomes.mdListen for verification results so your integration can automatically trigger reactions.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdAdd to blocklist: Add the document to a blocklist to programmatically block future verifications completed with the same document.
  • [claimed-docs] https://docs.stripe.com/identity/review-tools.mdOverride status: Manually override the verification status to match your decision on whether or not the customer is verified.
  • [claimed-docs] https://docs.stripe.com/mcp.mdThe Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API

Schedule recurring jobs or workflowsweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Version, review, and roll back my automationsweight 1

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Automation = 9.0 ÷ 50 × 100 = 18.0