Advanced fraud detection

Stripe.js is Stripe’s JavaScript library designed to enable businesses to securely collect sensitive payment information from the customer’s browser. The Stripe In-App Payments provides the native iOS and Android counterparts to Stripe.js.

Stripe.js and the mobile SDKs provide advanced fraud detection by looking at signals about device characteristics and user activity that help distinguish between legitimate and fraudulent transactions. These signals power Stripe’s fraud prevention systems, such as Radar. The signals are transmitted to Stripe’s back end by periodically making requests to the m.stripe.com endpoint.

Also, on each page where you load Stripe.js, it may load hCaptcha. hCaptcha is a type of CAPTCHA that helps stop fraud and provides additional signals to Stripe while being low friction for legitimate customers. To opt out of use of hCAPTCHA integration, reach out to Stripe Support.

Our goal is to maximize payments from legitimate customers while minimizing fraud. Fraud can be one of the most challenging aspects of running an online business. Even businesses that don’t typically see significant amounts of fraud can see sudden, unexpected, and costly attacks. Stripe prevents more than 500 million USD in payment fraud for Stripe businesses every month. To do that, we collect and analyze information that helps us identify bad actors and bots, including both transactional data (such as amount, customer shipping address, date, and so on) and advanced fraud detection signals (device and activity signals).

The details of what we collect and how we use it are disclosed in our privacy policy and cookie policy.

Types of signals

Device characteristics

Device characteristics are signals about a customer’s browser, screen, or device. They help Stripe identify configurations consistent with anomalous browsing behavior, as well as compare this behavior to similar patterns observed across other businesses on Stripe’s network. Combinations of these parameters that are rare or unlikely to reflect a real user’s computing environment can expose fraudulent transactions.

Activity indicators

Advanced fraud detection signals also include activity indicators from actual shoppers that help us distinguish legitimate shoppers from fraudulent purchasers and bots. For example, bots tend to move through a website and checkout form much faster than a real person would; card numbers are also frequently copy-pasted rather than typed. These signals include mouse activity indicators and how long a user spends on different pages when shopping, which are both predictive of bot-like behavior across the duration of a session.

Stripe gathers data about the contents of the page only if they correspond to input fields in Stripe Elements. For example, Stripe might collect an email address to prefill Link signup and login. If the Stripe Element doesn’t have an email field, Stripe won’t collect that information from the contents of the page. This information is never saved. Signals corresponding to user activity are scoped to a single shopping session on a single site or app and aren’t linked across different shopping sessions, sites, or apps.

When signals are collected

The more activity Stripe’s fraud engines can observe, the better Stripe’s fraud prevention will be. Stripe therefore encourages including Stripe.js on every page of the shopping experience, not just the checkout page. This level of Stripe.js coverage gives Stripe the richest possible set of such signals to distinguish fraudulent purchasers from real customers.

If Stripe.js isn’t used at all, the business must take on the full responsibility of PCI compliance, and additional fraud risk.

The iOS and Android SDK collect advanced fraud detection signals for an app when the SDK object is instantiated. The data is only transmitted to Stripe during a tokenization request.

Data privacy

This advanced fraud detection signal data is never used for advertising and won’t be rented, sold, or given to advertisers, as outlined in our privacy policy. Stripe only uses this data for fraud detection and security purposes, and retains it for as long as it’s useful for the purposes of fraud detection and security.

Internally, this data is subject to strict access control policies enforced by Stripe, and restricted to a small number of Stripe employees working on fraud prevention and security.

Disable advanced fraud detection

Stripe users can decide to disable the collection of advanced fraud detection signals on their own websites and apps. Doing so increases their risk of fraud, especially card testing. Stripe will continue to collect fraud detection signals on Stripe domains, like on Stripe Checkout payment pages.

Additionally, disabling advanced fraud detection doesn’t affect the collection of events logged when a customer interacts with Stripe-managed fields in your checkout page (we use these events to prevent fraud and make sure Stripe Elements is working) nor basic device information collected during 3D Secure 2 authentication (we’re required to send this information to the issuing bank for their risk analysis).

Stripe.js

To disable advanced fraud detection signals with Stripe.js, set advancedFraudSignals as a query parameter in the Stripe.js script tag, or update to the latest version of the Stripe.js module, use the pure export, and call setLoadParameters:

<script src="https://js.stripe.com/clover/stripe.js?advancedFraudSignals=false"></script>

iOS SDK

To disable advanced fraud detection signals with the Stripe iOS SDK, update to iOS SDK v19.1.1 or later. When configuring the Stripe SDK, set the advancedFraudSignalsEnabled property:

StripeAPI.defaultPublishableKey = 
"pk_test_TYooMQauvdEDq54NiTphI7jx"
StripeAPI.setAdvancedFraudSignalsEnabled(false)

Android SDK

To disable advanced fraud detection signals with the Android SDK, update to Android SDK v14.4.0 or later. When configuring the Stripe SDK, set the advancedFraudSignalsEnabled property before instantiating or accessing any Stripe SDK objects:

class MyApp : Application() {
    override fun onCreate() {
        super.onCreate()

        Stripe.advancedFraudSignalsEnabled = false

        PaymentConfiguration.init(
            applicationContext,
            
"pk_test_TYooMQauvdEDq54NiTphI7jx"
        )
    }
}