Which Stripe feature utilizes machine learning to handle declined payments?

Stripe Adaptive Acceptance is the feature that leverages machine learning to address declined payments. This feature analyzes various data points, such as transaction history and user behavior, to improve the acceptance rate of payments by automatically retrying declined transactions or using alternative payment methods.

The adaptability of this feature allows it to learn from patterns in declined payments, which can differ by user or transaction type, and enhances the overall payment processing experience. By utilizing machine learning algorithms, Adaptive Acceptance seeks to minimize revenue loss resulting from declined transactions.

In contrast, other choices do not focus specifically on declined payments. For example, Stripe Revenue Recognition is concerned with accounting practices and financial reporting, Stripe Relay is related to facilitating on-demand commerce, and Stripe Connect enables platforms to facilitate payments between third parties. Each of these features serves distinct purposes that do not directly address the issue of payment declines through machine learning.