Stripe Radar
AI-powered fraud prevention for energy utilities — reduce false declines and block fraud at scale.
- Billing & Payments
ML fraud scoring on every transaction, trained on hundreds of billions of dollars in global payment data
Adaptive Acceptance: AI-powered retry logic that optimizes ISO messaging to recover false declines in real time
Radar for Fraud Teams (RFT): custom rules engine with block, allow, and review lists for risk analyst control
Real-time risk scoring with transparent reasoning to support compliance, audit, and dispute management
Continuous model updates drawing on Stripe's global network, ensuring protection against emerging fraud patterns
Energy utilities process millions of recurring transactions—monthly bills, direct debits, and one-time payments—making them a high-value target for payment fraud. At the same time, false declines on legitimate customer payments damage trust, increase support costs, and drive churn. Generic fraud tools weren't built for the energy billing context, where transaction patterns differ significantly from e-commerce.
Stripe Radar is an ML-powered fraud detection engine trained on data from hundreds of billions of dollars in transactions globally. Because Radar sits natively within the Stripe payment stack, it evaluates every transaction in real time without adding latency or requiring a separate vendor integration.
For utilities on the Kraken platform, Radar provides automatic fraud scoring on every payment. Radar for Fraud Teams (RFT) adds advanced controls for risk analysts: custom rules, block/allow/review lists, and detailed reporting to tune detection for energy-specific fraud patterns. Adaptive Acceptance—Radar's companion AI—intelligently retries declined transactions in real time, optimizing ISO messaging to recover false declines and recapture lost revenue without manual intervention.
Target users are risk, payments, and operations teams at utilities that want reliable, always-on fraud protection without the cost and complexity of maintaining in-house ML models. Radar is continuously updated as new fraud patterns emerge globally, so utilities benefit from network-level intelligence across all Stripe users—not just their own transaction history
Reduce fraud losses
Radar blocks fraudulent transactions before they become chargebacks, protecting revenue and reducing the operational cost of dispute management
Recover legitimate payments
Adaptive Acceptance recovers false declines by intelligently retrying transactions in real time—EDF used this capability on the Kraken platform to recapture lost revenue
Lower operational overhead
Automated fraud scoring and customizable rules reduce the need for manual review, freeing risk teams to focus on higher-value work
Find out more on how Stripe Radar could help
Stripe
Stripe is the global leader in payments infrastructure, trusted by millions of businesses to power their financial operations
