# How Stripe Detects Fraudulent Transactions Within 100 ms

Canonical URL: https://www.traeai.com/articles/04a07e7b-835f-4ae9-9c8a-4a660b13ef93
Original source: https://blog.bytebytego.com/p/how-stripe-detects-fraudulent-transactions
Source name: ByteByteGo Newsletter
Content type: article
Language: 英文
Score: 9.0
Reading time: 12 分钟
Published: 2026-04-28T03:03:50+00:00
Tags: Stripe, 机器学习, 架构, 欺诈检测

## Summary

Stripe如何通过全新架构在100毫秒内检测欺诈交易，兼顾性能与准确性。

## Key Takeaways

- Wide & Deep架构虽有效，但XGBoost部分导致扩展性瓶颈。
- Stripe采用受ResNeXt启发的多分支神经网络解决性能问题。
- 新架构在保证99.9%准确率的同时支持更高效的实验与扩展。

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