Stripe Radar Lite vs Standard vs Plus pricing and which tier to keep

Radar Lite, Standard, Plus and Pro side by side

The tier names and features come from Stripe's support article on the January 2027 pricing update and its Radar pricing page. The Standard rate is the figure Stripe quoted to merchants in its trial notice. The Plus and Pro rates come from published third party breakdowns, so confirm them under Plans and fees in your Dashboard.

Platforms pay one more line. Stripe now charges a fee for each active connected account where the platform owns loss liability, and an account counts as active in any month it receives a payout.

What Standard and Plus cost at four volumes

Radar bills per screened transaction, not per sale, so retries and declined attempts count too. The figures below are pay as you go list rates in USD. A subscription can come out cheaper at low volume, and Stripe shows the included volume in your Dashboard.

A store with 10,000 screened transactions a month that does nothing before January 22 starts paying about 6,000 USD a year for Standard. That is real money for a card only shop whose fraud losses are a fraction of it, and cheap insurance for a store selling resellable electronics through Apple Pay and Klarna.

When the first invoice arrives, the charges show up under new names. "Radar - usage fee" and the old Fraud Teams fee both become "Radar Screened Transaction Fee", and the platform fee becomes "Radar Active Account Fee". If your bookkeeper matches Stripe payouts line by line, update those rules now, and reconcile those fee lines against your bank statement for the first month so nothing gets coded to the wrong account.

Stripe Radar pricing dates you need to know

1. 1 July 29, 2026. Existing Radar users started a free trial of Radar Standard. Radar for Fraud Teams users moved to Radar Plus.
2. 2 October 21, 2026. Custom Radar rules start applying to all supported payment methods. Requests to opt out of the newly covered payment methods had to reach Stripe Support before this date.
3. 3 January 22, 2027. New pricing takes effect. Standard trials end and charges begin. If you do nothing, you stay on Standard, and Fraud Teams accounts stay on Plus.

Radar stays switched on through all of this. The only decision Stripe leaves to you is the tier.

Which Radar tier fits which business

• Card only ecommerce with low fraud. Lite. Stripe's card models and card testing protection stay on, and the fee disappears. Keep an eye on your fraud dispute count for the first two months after the switch.
• Stores taking wallets, buy now pay later or ACH. Standard. Lite does not screen those methods, and a fraud wave on an unscreened method is exactly what Standard is priced against.
• SaaS on Stripe Billing. Standard or Plus, with screening capped. Stripe lets you screen only the first set number of billing cycles of a subscription. The first payment is always screened, and renewals you leave unscreened are not billed, which cuts the cost for a stable subscriber base.
• High ticket or high fraud stores. Plus. Custom rules with backtesting and 3D Secure on risky payments are worth 0.02 USD more per screen when one bad order costs hundreds. Stripe says Plus users see up to 30 percent lower fraud rates on eligible transactions, which is its own claim to test against your numbers.
• Free trial products and marketplaces. Pro, if signup and trial abuse is your main leak.

How to switch Stripe Radar tiers

1. 1 In the Stripe Dashboard, open Settings, then Plans and fees, then Radar.
2. 2 Pick the tier. Moving to Lite takes one click and can be done at any time.
3. 3 Platforms that manage pricing for connected accounts set Lite or Standard for those accounts in Radar settings.
4. 4 If you run Stripe Billing, set how many billing cycles per subscription Radar should screen.
5. 5 Before January 22, 2027, export one month of Radar fee lines so you can compare the first billed month against it.

What no Radar tier does about disputes

Radar decides which payments to block. It does not respond to a dispute after a payment goes through, and most disputes for US stores are not stolen cards anyway. They are friendly fraud, "product not received" and "subscription canceled" claims from real customers, and they arrive on every Radar tier. Each one costs a 15 USD dispute fee in the US, plus a 15 USD counter fee that Stripe refunds only if you win. The full fee picture is in the Stripe dispute fee breakdown.

That is the gap NoChargeback fills for Stripe merchants, next to whichever Radar tier you keep.

• Early fraud warnings triaged. When Radar raises an early fraud warning, NoChargeback shows whether a refund now costs less than the dispute that usually follows. See Stripe early fraud warning alerts.
• Prevention rule suggestions. Growth and higher plans recommend 3D Secure, velocity and refund before dispute rules based on your own dispute history, which is useful input whether you write rules in Radar Plus or not. Details on prevention rules.
• Evidence for every dispute. NoChargeback builds an evidence pack for the exact reason code from your Stripe charge, customer, invoice, subscription and 3D Secure data, and Growth and above submit it 48 hours before the due date.
• Your ratio in view. The chargeback ratio monitor tracks Visa VAMP and Mastercard ECM per account.

Plans start at 49 USD a month, or 24 USD a month billed yearly. Growth, with five Stripe accounts, 100 disputes and 1,000 alerts, is 149 USD a month billed yearly. You keep everything you win, unlike the 30 percent share in Stripe Smart Disputes pricing. All limits are on the pricing page. NoChargeback reads payment data and writes dispute responses only. It is not insurance and cannot refund, charge or move money.