Adyen vs Stripe

Adyen Upgrades Authenticate with AI Payment Optimization

Adyen has significantly expanded its authentication offering, Authenticate, as part of its Uplift optimization suite. The module now uses machine learning to route each transaction in real-time to the most appropriate authentication technology, replacing static 3DS rules. It integrates 3DS, Google Secure Payment Authentication, Mastercard and Visa Payment Passkeys, and pure data flows. The system dynamically decides whether authentication is needed, which method to use, and which data to send to card issuers, optimizing over 150 data fields for 3DS. It also works with Adyen's fraud management module Protect to recognize trusted buyers and minimize friction. Early customers report conversion gains: Too Good To Go saw an 11% relative increase in payment conversion, and Just Eat Takeaway.com reported a 12% higher conversion rate among qualifying visitors. Authenticate is now available worldwide for 3DS and issuer request optimization; newer methods like Google SPA and passkeys are being rolled out gradually, with live transactions already occurring in the UK and broader international rollout planned by 2027.

• Adyen upgrades Authenticate with AI-based routing and optimization.
• The platform integrates 3DS, Google SPA, Mastercard and Visa Payment Passkeys.
• Too Good To Go reports an 11% relative increase in payment conversion.

German Consumers Want AI Shopping Control

A follow-up study by Riverty and Adyen reveals that 49% of German consumers expect AI to handle a large portion of their everyday shopping within the next five years. While 67% understand the concept of AI shopping agents, sentiment is divided, with about a quarter positive and a quarter negative. Control remains key: 21% cite personal control as the main trust factor, 19% fraud protection, 14% data privacy, and 19% would never trust AI for purchases. 48% prefer AI as a shopping co-pilot for product search and recommendations, while only 16% accept fully autonomous purchases. Food and household goods (33%) are the most trusted categories, followed by subscriptions (25%) and ticketing (24%). 51% prefer invoice payment, and willingness to entrust higher budgets has decreased. Human support remains crucial for 56% of consumers.

• 49% of Germans expect AI to handle a large portion of everyday shopping within five years.
• 67% understand the principle of AI shopping agents.
• 21% cite personal control as the most important trust factor for AI shopping.

Constructor Launches Agentic Checkout Powered by Stripe

Constructor, a product discovery platform for the agentic era, has launched Agentic Checkout, integrating Stripe to enable shoppers—both humans and AI agents—to discover and purchase products within a single conversational interface. This new functionality eliminates the friction of leaving an AI agent to complete a purchase on a traditional checkout page. Available globally, it is the first Stripe-powered checkout directly within an onsite shopping agent. Shoppers can pay via Link by Stripe, used by 250 million customers, or other payment methods. The feature is initially available within Constructor's AI Shopping Agent and AI Product Insights Agent, with expansion planned across additional touchpoints. Adoption of Constructor's AI agents has surged, with a 900% increase in deploying companies over the past year, reflecting the growing shift toward agentic commerce.

• Constructor launched Agentic Checkout, integrating Stripe.
• Available globally, it is the first Stripe-powered checkout within an onsite shopping agent.
• Shoppers can pay via Link by Stripe, used by 250 million customers.

TikTok Adds AI Shopping Assistant and Direct Brand Checkout

TikTok has rolled out an AI-powered Shopping Assistant and a new in-app checkout feature in the U.S., allowing users to buy products directly from brands within the For You feed, separate from TikTok Shop. The conversational AI agent provides product details, shipping, sizing, and purchase assistance, while the one-click checkout enables seamless purchases without leaving the app. These features are developed in partnership with Salesforce, Shopify, Shoplazza, and Stripe, aiming to move users from discovery to action, as stated by David Kaufman, TikTok's global head of monetization and product partnerships. This expansion beyond TikTok Shop underscores TikTok's growing e-commerce footprint. The platform's Economic Impact Report estimates an $81 billion contribution to U.S. GDP, with 54 million Americans purchasing after watching videos, and TikTok Shop generated $15.8 billion in U.S. sales in 2025.

• TikTok launched an AI shopping assistant and one-click checkout feature in the U.S.
• The features are built in partnership with Salesforce, Shopify, Shoplazza, and Stripe.
• TikTok's Economic Impact Report estimates $81 billion in U.S. GDP contribution.

OUSD is now the default stablecoin on Stripe

Open USD (OUSD), a stablecoin built for global money movement, is now available across Stripe. Businesses can use OUSD to manage funds, make payments, and offer new financial services.