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.txt“PROBE 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.md“PROBE 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.md“Capture 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.md“curl 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.md“Listen for verification results so your integration can automatically trigger reactions.”
- [claimed-docs] https://docs.stripe.com/identity/access-verification-results.md“You can access most verification details programmatically... using your secret key.”
- [claimed-docs] https://docs.stripe.com/identity/verification-flows.md“You 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.md“The Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API”
- [probe] https://docs.stripe.com/mcp“official 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.md“The Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API”
- [probe] https://docs.stripe.com/mcp“official 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-cli“official 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.md“curl 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.md“Listen for verification results so your integration can automatically trigger reactions.”
- [claimed-docs] https://docs.stripe.com/identity/access-verification-results.md“You can access most verification details programmatically... using your secret key.”
- [claimed-docs] https://docs.stripe.com/identity/review-tools.md“Override 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.md“Add 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.md“The 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.json“PROBE 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/mcp“official 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.md“curl 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.md“Listen for verification results so your integration can automatically trigger reactions.”
- [claimed-docs] https://docs.stripe.com/identity/access-verification-results.md“You can access most verification details programmatically... using your secret key.”
- [claimed-docs] https://docs.stripe.com/mcp.md“The 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.json“PROBE 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/mcp“official 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.md“Listen for verification results so your integration can automatically trigger reactions.”
- [claimed-docs] https://docs.stripe.com/identity/access-verification-results.md“You can access most verification details programmatically... using your secret key.”
- [claimed-docs] https://docs.stripe.com/identity“Access 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.md“curl 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.md“You can access most verification details programmatically... using your secret key.”
- [probe] https://docs.stripe.com/identity.md“PROBE 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.json“PROBE 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.json“PROBE 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.md“curl 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.md“curl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document”
- [probe] https://docs.stripe.com/openapi.json“PROBE 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.md“curl 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.md“Listen for verification results so your integration can automatically trigger reactions.”
- [claimed-docs] https://docs.stripe.com/identity/access-verification-results.md“You can access most verification details programmatically... using your secret key.”
- [claimed-docs] https://docs.stripe.com/identity/review-tools.md“Override 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.md“Add 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.md“Flows provide a way to save and reuse the same configuration across all of your integration interfaces.”
- [claimed-docs] https://docs.stripe.com/mcp.md“The Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API”
- [probe] https://docs.stripe.com/mcp“official 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.md“You can access most verification details programmatically... using your secret key.”
- [claimed-docs] https://docs.stripe.com/identity“Access 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.md“Listen for verification results so your integration can automatically trigger reactions.”
- [claimed-docs] https://docs.stripe.com/identity/access-verification-results.md“You can access most verification details programmatically... using your secret key.”
- [claimed-docs] https://docs.stripe.com/identity/review-tools.md“Override 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.md“Add 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.md“The Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API”
- [probe] https://docs.stripe.com/mcp“official 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.md“The Stripe Model Context Protocol (MCP) server provides tools that AI agents can use to interact with the Stripe API”
- [probe] https://docs.stripe.com/mcp“official 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.md“curl https://api.stripe.com/v1/identity/verification_sessions \ -u "<<YOUR_SECRET_KEY>>:" \ -d type=document”
- [claimed-docs] https://docs.stripe.com/identity/verification-flows.md“You 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.md“Listen for verification results so your integration can automatically trigger reactions.”
- [claimed-docs] https://docs.stripe.com/identity/review-tools.md“Add 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.md“Override 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.md“The 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