Stripe scores 5/5 for encryption, 4/5 for privacy, and 5/5 for track record. Overall safety score: 5/5.

What are the privacy concerns with Stripe?

Stripe security review covering PCI compliance, encryption, and merchant data handling. How safe is Stripe?

Has Stripe been hacked before?

See our detailed analysis of Stripe's past security incidents and track record at The Opt-Out Project.

Is Stripe Safe? Security Review

Name: Is Stripe Safe? Security Review
Item: Stripe
Rating: 5
Author: The Opt-Out Project

Category: Payment App Company: Stripe, Inc. Reviewed February 10, 2026

5/5

Overall Safety Score

★ ★ ★ ★ ★

Verdict: Stripe is one of the most secure payment platforms available with industry-leading security practices. Consumers rarely interact with Stripe directly, but their data is well-protected when merchants use it.

Stripe is a leading payment infrastructure company used by millions of businesses from startups to Fortune 500 companies. It processes hundreds of billions of dollars annually and sets the standard for payment security.

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Security Ratings Breakdown

Category	Score	Rating
Encryption	5/5
Privacy	4/5
Track Record	5/5

Security Features

PCI-DSS Level 1 Service Provider (highest level)
End-to-end encryption of card data
Tokenization prevents raw card number storage
Radar ML-powered fraud detection
3D Secure 2 support
SOC 1 and SOC 2 compliance

Privacy Concerns

Collects transaction data across all merchants using Stripe
Stripe's Link feature stores payment info for faster checkout across sites
Network-level data gives Stripe broad view of consumer spending

Past Security Incidents

No major data breaches of Stripe's core infrastructure as of 2025
Individual merchants using Stripe have had breaches, but Stripe's tokenization limited exposure

How to Stay Safe Using Stripe

When Stripe Link prompts to save payment info, consider whether you want cross-site tracking
Review Stripe-powered merchant receipts for accuracy
Use virtual card numbers when paying through Stripe-powered sites

Safer Alternatives

PayPal (consumer-facing alternative)
Square (in-person payments)
Adyen (enterprise alternative)

🛡

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Last updated: February 10, 2026