Which Stripe feature uses machine learning to optimize payment retries?

The feature that utilizes machine learning to optimize payment retries is Smart Retries. This functionality focuses on minimizing failed payment attempts by analyzing historical transaction data and using predictive algorithms to determine the best course of action for each specific transaction. Smart Retries assesses various factors, such as the customer's behavior and previous payment outcomes, to decide the optimal timing for retrying a payment. This approach not only improves the likelihood of successful transactions but also enhances the overall user experience by reducing frustration associated with failed payments.

In contrast, Smart Authentication is centered on enhancing payment security by determining when additional authentication is needed, while Smart Refunds focuses on streamlining the refund process for both businesses and customers. Smart Analytics, on the other hand, provides insights into payment data but does not engage in retry optimizations. Thus, Smart Retries stands out as the feature specifically designed to leverage machine learning for optimizing payment retries.