支付优化服务-Stripe
专用API
【更新时间: 2024.08.26】
支付优化服务是Stripe提供的一项身份验证服务,主要用于帮助商家验证其用户的身份,以减少欺诈风险并提升用户体验。全球顶尖电商、SaaS 和交易市场都在利用 Stripe 来优化支付处理、减少客户流失并提高卡组织接...
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产品介绍

什么是Stripe的支付优化服务?
支付优化服务是 Stripe 提供的一项身份验证服务,主要用于帮助商家验证其用户的身份,以减少欺诈风险并提升用户体验。这些服务旨在提高交易接受率、减少拒付、防止收入损失,并通过智能路径和收入恢复功能来优化支付流程。
全球顶尖电商、SaaS 和交易市场都在利用 Stripe 来优化支付处理、减少客户流失并提高卡组织接受率,每年因此新增收入高达数十亿美元。
什么是Stripe的支付优化服务接口?
由服务使用方的应用程序发起,以Restful风格为主、通过公网HTTP协议调用Stripe的支付优化服务
,从而实现程序的自动化交互,提高服务效率。
Stripe的支付优化服务有哪些核心功能?
智能配置,提高支付成功率 通过实时重试和优化的卡组织消息传递(使用发卡行的首选格式)来防止收入损失。 |
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利用业内最丰富的数据来增强表现 Stripe 通过与卡组织的直接连接,提供尽可能丰富的数据支持。我们推出了业界首创的增强型发卡行网络(Enhanced Issuer Network),使得发卡机构能够在交易授权时作出更明智的决策。 |
及时更新支付信息,防止客户流失 确保客户的支付信息及时更新,以减少非自愿性流失。即使自上次交互后他们已经换卡,也能使用新卡顺利支付。 |
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保护您的结账体验 借助 Stripe 基于机器学习的身份验证技术,在转化、成本和减少欺诈之间取得适当平衡。我们的强客户认证(SCA)优化引擎和委托身份验证解决方案可帮助您满足 SCA 要求,同时减少客户的结账阻力。 |
Stripe的支付优化服务的核心优势是什么?
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端到端的收入增长 通过一套由数万亿个数据点支撑的优化套件,提高交易接受率,并减少拒付。 |
留存高终身价值客户 保持银行卡信息自动更新,避免非自愿性流失和结账阻力,并在最佳时间重试失败的交易。 |
打击欺诈,提高授权率 借助 Stripe 的增强型发卡行网络,欺诈减少高达 8%,合法交易量授权率提高 1-2%。 |
与支付专家合作 为大型企业优化支付流程提供集成咨询、工作坊、数据分析和量身定制的建议,助力实现您的目标。 |
在哪些场景会用到Stripe的支付优化服务?
-
电商和在线零售:电商平台和在线零售商需要确保支付流程的顺畅,以提高转化率并减少客户流失。支付优化服务可以帮助他们提高交易接受率,减少因欺诈或支付信息错误而导致的交易失败。
-
SaaS和订阅服务:提供SaaS解决方案或订阅服务的公司需要确保定期支付的成功,以避免收入损失。支付优化服务可以通过智能重试和优化的卡组织消息传递来降低拒付率,并帮助商家在最佳时间重试失败的交易。
-
数字内容和服务销售:销售数字商品、虚拟商品或提供数字服务的公司也需要优化支付流程,以确保收入的稳定增长。支付优化服务可以帮助他们提高支付成功率,并减少因支付问题而导致的客户流失。
-
跨境支付:跨境支付涉及多个国家和复杂的金融系统,更容易受到欺诈和支付失败的影响。支付优化服务可以帮助商家应对这些挑战,提高跨境支付的接受率,并减少因支付问题而导致的收入损失。

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FreeMarker template error (DEBUG mode; use RETHROW in production!):
For "${...}" content: Expected a string or something automatically convertible to string (number, date or boolean), or "template output" , but this has evaluated to a sequence (wrapper: f.t.SimpleSequence):
==> serviceInfo.pricingWayList [in template "view/api/info/tab/package-price.ftl" at line 54, column 51]
----
FTL stack trace ("~" means nesting-related):
- Failed at: ${serviceInfo.pricingWayList} [in template "view/api/info/tab/package-price.ftl" at line 54, column 49]
- Reached through: #include "view/api/info/tab/package-p... [in template "view/api/info/special/index.ftl" at line 353, column 25]
----
Java stack trace (for programmers):
----
freemarker.core.NonStringOrTemplateOutputException: [... Exception message was already printed; see it above ...]
at freemarker.core.EvalUtil.coerceModelToTextualCommon(EvalUtil.java:525)
at freemarker.core.EvalUtil.coerceModelToStringOrMarkup(EvalUtil.java:401)
at freemarker.core.EvalUtil.coerceModelToStringOrMarkup(EvalUtil.java:370)
at freemarker.core.DollarVariable.calculateInterpolatedStringOrMarkup(DollarVariable.java:100)
at freemarker.core.DollarVariable.accept(DollarVariable.java:63)
at freemarker.core.Environment.visit(Environment.java:334)
at freemarker.core.Environment.visit(Environment.java:340)
at freemarker.core.Environment.include(Environment.java:2925)
at freemarker.core.Include.accept(Include.java:171)
at freemarker.core.Environment.visit(Environment.java:334)
at freemarker.core.Environment.visit(Environment.java:340)
at freemarker.core.Environment.process(Environment.java:313)
at freemarker.template.Template.process(Template.java:383)
at org.springframework.web.servlet.view.freemarker.FreeMarkerView.processTemplate(FreeMarkerView.java:391)
at org.springframework.web.servlet.view.freemarker.FreeMarkerView.doRender(FreeMarkerView.java:304)
at org.springframework.web.servlet.view.freemarker.FreeMarkerView.renderMergedTemplateModel(FreeMarkerView.java:255)
at org.springframework.web.servlet.view.AbstractTemplateView.renderMergedOutputModel(AbstractTemplateView.java:179)
at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:316)
at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1373)
at org.springframework.web.servlet.DispatcherServlet.processDispatchResult(DispatcherServlet.java:1118)
at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:1057)
at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:943)
at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:1006)
at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:898)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:626)
at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:883)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:733)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:231)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:53)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:113)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:113)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at com.ruoyi.common.filter.RepeatableFilter.doFilter(RepeatableFilter.java:43)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:320)
at org.springframework.security.web.access.intercept.FilterSecurityInterceptor.invoke(FilterSecurityInterceptor.java:126)
at org.springframework.security.web.access.intercept.FilterSecurityInterceptor.doFilter(FilterSecurityInterceptor.java:90)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.access.ExceptionTranslationFilter.doFilter(ExceptionTranslationFilter.java:118)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.session.SessionManagementFilter.doFilter(SessionManagementFilter.java:137)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.authentication.AnonymousAuthenticationFilter.doFilter(AnonymousAuthenticationFilter.java:111)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.servletapi.SecurityContextHolderAwareRequestFilter.doFilter(SecurityContextHolderAwareRequestFilter.java:158)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.savedrequest.RequestCacheAwareFilter.doFilter(RequestCacheAwareFilter.java:63)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at com.ruoyi.framework.security.filter.JwtAuthenticationTokenFilter.doFilterInternal(JwtAuthenticationTokenFilter.java:42)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:119)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.authentication.logout.LogoutFilter.doFilter(LogoutFilter.java:116)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:113)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.web.filter.CorsFilter.doFilterInternal(CorsFilter.java:92)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:119)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.header.HeaderWriterFilter.doHeadersAfter(HeaderWriterFilter.java:92)
at org.springframework.security.web.header.HeaderWriterFilter.doFilterInternal(HeaderWriterFilter.java:77)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:119)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.context.SecurityContextPersistenceFilter.doFilter(SecurityContextPersistenceFilter.java:105)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.context.request.async.WebAsyncManagerIntegrationFilter.doFilterInternal(WebAsyncManagerIntegrationFilter.java:56)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:119)
at org.springframework.security.web.FilterChainProxy$VirtualFilterChain.doFilter(FilterChainProxy.java:334)
at org.springframework.security.web.FilterChainProxy.doFilterInternal(FilterChainProxy.java:215)
at org.springframework.security.web.FilterChainProxy.doFilter(FilterChainProxy.java:178)
at org.springframework.web.filter.DelegatingFilterProxy.invokeDelegate(DelegatingFilterProxy.java:358)
at org.springframework.web.filter.DelegatingFilterProxy.doFilter(DelegatingFilterProxy.java:271)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.springframework.web.filter.RequestContextFilter.doFilterInternal(RequestContextFilter.java:100)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:119)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.springframework.web.filter.FormContentFilter.doFilterInternal(FormContentFilter.java:93)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:119)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:201)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:119)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:193)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:166)
at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:202)
at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:97)
at org.apache.catalina.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:542)
at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:143)
at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:92)
at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:78)
at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:343)
at org.apache.coyote.http11.Http11Processor.service(Http11Processor.java:374)
at org.apache.coyote.AbstractProcessorLight.process(AbstractProcessorLight.java:65)
at org.apache.coyote.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:888)
at org.apache.tomcat.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1597)
at org.apache.tomcat.util.net.SocketProcessorBase.run(SocketProcessorBase.java:49)
at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149)
at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624)
at org.apache.tomcat.util.threads.TaskThread$WrappingRunnable.run(TaskThread.java:61)
at java.lang.Thread.run(Thread.java:750)
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