> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Stripe audit profile, Vortex IQ

> What the Vortex IQ Stripe health audit checks: Stripe: keep money landing, friction low, fraud bounded

**[Nerve Centre KPIs](/nerve-centre/kpi-cards/stripe) · [Audit Profile](/nerve-centre/kpi-cards/stripe/audit) · [Sentiment Settings](/nerve-centre/kpi-cards/stripe/sentiment)**

Stripe-specific health audit. Answers four questions: (1) is the auth rate / decline mix healthy and are soft declines being recovered; (2) are 3DS friction and Stripe Radar tuned right (not over-blocking, not under-protecting); (3) are payouts on schedule and settlement predictable; (4) are disputes responding fast enough to win, and is Early Fraud Warning being acted on before it becomes a chargeback. Cross-channel area joins decline + dispute signals to commerce-sibling checkout funnel and fulfilment status to size live revenue at risk.

## What this audit checks

### Authentication & access

* Secret key is live-mode (not test) for production integrations
* Restricted-key scopes cover charges, refunds, disputes, payouts, balance, radar, subscriptions
* Webhook signing secret present and signature validation enabled
* Stripe-Account ID detected; Connect platform vs standard correctly classified

### Transaction health

* Authorisation success rate above 92% baseline
* Decline reason mix - no single soft-decline reason > 25% of declines
* Smart-Retry / Adaptive Acceptance is enabled and recovering > 25% of soft declines
* Top declining issuers (BIN-level) identified for recovery playbook

### 3DS & Radar fraud controls

* 3DS challenge abandon rate \< 25% (otherwise consider Smart 3DS routing)
* Radar `highest` risk-score share \< 5% of charges in the last 7 days
* Radar block-rate not surging > 50% vsP (sudden tightening of rules can mask outage)
* Early Fraud Warnings being refunded proactively (not converting to disputes)

### Revenue & sales volume

* Total charge volume and transaction count trending within expected band vs prior period
* Average transaction value stable (no silent drop signalling mix shift or test traffic)
* Net revenue after refunds + Stripe fees reconciles against gross charge volume

### Disputes & chargebacks

* Dispute rate below 0.9% (90% of Visa 1% cap) on a 90-day window
* Avg dispute response time \< 5 days
* Dispute win rate at or above 35% industry baseline
* Top dispute reason codes (fraudulent / product\_not\_received) flagged for prevention

### Settlement & payouts

* Avg settlement time within Stripe's expected schedule for the merchant's country
* No payout pending > 5 days
* Payout success rate ≥ 99%
* For Connect platforms: application fees reconcile against expected platform commission

### Subscription & recurring health

* Recurring charge failure rate below 12%
* Involuntary churn (failed payments) \< 3% of MRR
* Dunning recovery rate ≥ 25%
* Stored-token expiring \< 30d share \< 5% of subscriber base

### Compliance & tax

* Stripe Tax registration coverage - no country with > \$10k revenue and no active registration
* EU VAT / UK VAT / US sales-tax thresholds tracked when Stripe Tax enabled

### Cross-channel: revenue protection

* Decline-driven checkout-funnel drop (sibling = shopify/bigcommerce/adobe.checkout\_step\_completion\_rate falling concurrent with stripe.decline\_rate spike)
* Dispute-to-fulfilment correlation (sibling = shipbob/commerce.shipment\_delayed\_orders converting to product\_not\_received disputes)
* Recoverable revenue forecast (soft-decline value × sibling.avg\_repurchase\_rate × Smart-Retry success rate)
* Chargeback forecast (EFW count × historical EFW→chargeback rate × avg dispute amount)

## Severity thresholds

| Signal                         | Warn | Critical |
| ------------------------------ | ---- | -------- |
| `decline_rate`                 | 6    | 8        |
| `authorization_rate`           | 92   | -        |
| `dispute_rate`                 | 0.9  | 1.0      |
| `payout_age_days`              | 3    | 5        |
| `threedsecure_abandon_rate`    | 25   | 40       |
| `radar_highest_risk_share`     | 3    | 5        |
| `recurring_failure_rate`       | 8    | 12       |
| `involuntary_churn_pct_of_mrr` | 2    | 3        |

## Data sources

* `GET https://api.stripe.com/v1/account` - Account capabilities, Connect classification, charges/payouts enabled
* `GET https://api.stripe.com/v1/balance` - Live pending vs available balance
* `GET https://api.stripe.com/v1/charges` - Charge history, outcomes, risk\_level, card metadata
* `GET https://api.stripe.com/v1/disputes` - Open + closed disputes with reason codes + evidence\_due\_by
* `GET https://api.stripe.com/v1/payouts` - Payout schedule, status, failures
* `GET https://api.stripe.com/v1/subscriptions` - Active / past\_due / canceled subscriptions for MRR + churn
* `GET https://api.stripe.com/v1/reviews` - Manual + rule-triggered Stripe Radar reviews
* `GET https://api.stripe.com/v1/radar/early_fraud_warnings` - Network EFW signals - leading indicator of dispute risk
* `GET https://api.stripe.com/v1/tax/registrations` - Stripe Tax registration coverage