Author:
Stripe
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Language:
English

The 2025 State of AI and Fraud

November 2025
Digital

Fraudulent actors now use AI to create fake identities, steal customer card data, and run large-scale card testing operations. At the same time, AI gives businesses a stronger defense against these threats.

To understand how companies navigate this shift, we analyzed billions of attempted payments across millions of businesses on Stripe and interviewed DoorDash, FreshBooks, and other Stripe users. We also worked with Milltown Partners to survey more than 4,000 payments leaders from around the world.

This report reveals the outsized impact that AI has on fraud and explores how AI agents could shape the future of fraud. We also highlight how AI-powered prevention and detection tactics can combat this new wave of fraud, helping keep businesses safe.

Contents:

  • Key takeaways
  • The AI threat in online payments
  • A smarter way to fight fraud
  • The future of AI and fraud
  • How Stripe can help
  • Methodology

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The 2025 State of AI and Fraud

November 2025
Digital

Fraudulent actors now use AI to create fake identities, steal customer card data, and run large-scale card testing operations. At the same time, AI gives businesses a stronger defense against these threats.

To understand how companies navigate this shift, we analyzed billions of attempted payments across millions of businesses on Stripe and interviewed DoorDash, FreshBooks, and other Stripe users. We also worked with Milltown Partners to survey more than 4,000 payments leaders from around the world.

This report reveals the outsized impact that AI has on fraud and explores how AI agents could shape the future of fraud. We also highlight how AI-powered prevention and detection tactics can combat this new wave of fraud, helping keep businesses safe.

Contents:

  • Key takeaways
  • The AI threat in online payments
  • A smarter way to fight fraud
  • The future of AI and fraud
  • How Stripe can help
  • Methodology