Stripe Adopts Visa's Digital Commerce Authentication Program to Cut Network Costs and Capture Interchange Savings

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Stripe moved quickly to integrate Visa's Digital Commerce Authentication Program (DCAP), passing interchange savings to merchants while protecting authorization rates. It's a margin play in payments infrastructure — squeezing cost out of the network layer rather than adding a customer-facing feature. For builders running checkout at scale, DCAP support is a concrete reason authorization economics are quietly improving on Stripe right now.