The Stripe Services Agreement governs business users accessing Stripe Services and Technology, comprising General Terms, product-specific Service Terms, and country-specific Regional Terms.
Supporting quotations
The Stripe Services Agreement (the “Agreement”) is an agreement between you or the entity you represent (“User”) and the applicable Stripe entity specified in Section 12 (Definitions) (“Stripe”) and governs User’s access to and use of the Services and Stripe Technology. The Agreement consists of the General Terms, which contain the terms that apply to all Services and Stripe Technology, all Service Terms, which apply to User’s use of specific Services and Stripe Technology, and any other terms incorporated into the Agreement. Capitalized terms are defined in Section 12 (Definitions), Service Terms, and inline. The Regional Terms in Section 13 (Regional Terms) apply based on User’s Stripe Account Country.
Account & Service Control · Context
Effective date and agreement term
The agreement takes effect when the user first accesses or uses the Services or Stripe Technology and continues until terminated by either party.
Supporting quotations
This Agreement is effective when User first accesses or uses the Services or Stripe Technology (the “Effective Date”) and continues until User or Stripe terminates it under Section 10.1 (Suspension and Termination) or other provision allowing for termination (the “Term”).
Account & Service Control · Company commitment
Representative authority and sole proprietorship liability
Individuals accepting the agreement warrant authority to legally bind the entity, and for sole proprietorships, both the business and representative agree to be bound.
Supporting quotations
If you are accepting the Agreement on behalf of User, you represent that you have full authority to legally bind User to this Agreement. If User is a sole proprietor, both User and Representative agree to be bound by the terms of the Agreement.
Account & Service Control · User right or choice
Services provision for business purposes only
Stripe makes the Services and Dashboard available to users, who must use them solely for business purposes in compliance with documentation.
Supporting quotations
Stripe (and its Affiliates, as applicable) will make the Services available to User, and if applicable, give User access to a Stripe Dashboard. Stripe may enable certain Services or features on User’s behalf which User may disable by contacting Stripe, or, where available, opting out within the Stripe Dashboard or API. User must use the Services solely for User’s Business Purposes and in compliance with the Documentation.
Account & Service Control · Restriction or exception
Prohibition on personal, family, or household use
Users must not use Stripe Services for personal, family, or household purposes.
Supporting quotations
(i) use the Services for personal, family, or household purposes;
Account & Service Control · Restriction or exception
Prohibition on circumventing technical limitations
Users must not circumvent technical limitations of the Services or access non-public systems.
Supporting quotations
(ii) circumvent any technical limitations of the Services or enable functionality that is disabled or prohibited, or access or attempt to access non-public Stripe systems or data;
Account & Service Control · Restriction or exception
Prohibition on fraudulent or deceptive activity
Users must not use the Services to engage in any activity that is fraudulent, deceptive, or harmful to any person.
Supporting quotations
(iii) use the Services to engage in any activity that is fraudulent, deceptive, exploitative, or harmful;
Account & Service Control · Restriction or exception
Prohibition on interfering with service operations
Users must not perform actions that interfere with the operation of the Services or impose disproportionate infrastructure loads.
Supporting quotations
(iv) perform or attempt to perform any action that interferes with the operation of the Services or affects other Stripe users’ use of Stripe services;
Account & Service Control · Restriction or exception
Prohibition on renting or transferring service rights
Users must not rent, lease, or transfer rights granted under the Services to third parties.
Supporting quotations
(v) rent, lease, or otherwise transfer User’s rights granted under Section 1.1 (Services) to a third party;
Account & Service Control · Restriction or exception
Prohibition on copying, reproducing, or reselling services
Users must not copy, reproduce, republish, resell, or distribute the Services or Stripe Technology.
Supporting quotations
(vi) copy, reproduce, republish, upload, post, transmit, resell, or distribute in any way, any part of the Services, Documentation, or the Stripe Website except as Law permits;
Account & Service Control · Restriction or exception
Prohibition on creating accounts for suspended users
Users must not attempt to create a Stripe Account on behalf of a user whose account was previously suspended or terminated.
Supporting quotations
(vii) attempt to create a Stripe Account on behalf of or for the benefit of a user whose use of the Stripe services was suspended or terminated by Stripe, unless Stripe approves otherwise;
Account & Service Control · Restriction or exception
Prohibition on acting as service bureau pass-through
Users must not act as a service bureau or pass-through agent for the Services without added value.
Supporting quotations
(viii) act as service bureau or pass-through agent for the Services with no added value to Customers; or
Account & Service Control · Restriction or exception
Minimum age restriction of 13 years
Only individuals 13 years of age or older may open a Stripe Account or use the Services.
Supporting quotations
(b) Age Restrictions. Only people 13 years of age or older may open a Stripe Account and use the Services and Stripe Technology. If User or User’s Representative is not 18 years of age or older (or the age of majority where User resides):
Account & Service Control · Company commitment
Adult representative requirement for minor users
Users between 13 and the legal age of majority must add an adult representative who agrees to be responsible and liable for user actions.
Supporting quotations
(i) User must add a Representative who is an adult (which may be a parent or legal guardian) to User’s Stripe Account;
Account & Service Control · Company commitment
Standard technical support provision
Stripe provides users with standard technical support for issues relating to the Services.
Supporting quotations
Stripe will provide User with standard technical support for issues relating to User’s Stripe Account and use of the Services through support channels and Documentation that Stripe makes available on the Stripe Website. Stripe also offers optional paid support plans that may include priority support and response times that exceed the standard technical support. Stripe is not obligated to provide support to Customers.
Account & Service Control · Restriction or exception
Preview Services availability, warranty disclaimer, and liability cap
Stripe may make Preview Services available as is without warranty, with liability capped at the lesser of 12 months fees or $1,000.
Supporting quotations
Stripe may make a Preview Service available to User. Stripe will indicate to User, via the Stripe Dashboard, Stripe Website, or otherwise, whether a Service, or part of it, is a Preview Service. Stripe may specify additional requirements or use restrictions that apply to User´s use of Preview Services in Preview Service Terms or Documentation. Unless Stripe otherwise agrees in writing, User’s use of Preview Services is confidential, and User will provide timely Feedback on the Preview Services if requested by Stripe. Stripe may add or remove features of the Preview Services, or suspend or terminate User’s access to Preview Services at any time. By their nature, Preview Services may be feature-incomplete, unstable, or contain bugs, and use of the Preview Services is at User’s own risk and discretion. User should not use Preview Services in a production environment unless User understands and accepts the limitations of the Preview Service. Stripe may communicate Fees for a Preview Service in writing outside of the Stripe Pricing Page. Notwithstanding anything else in this Agreement, to the maximum extent permitted by Law, Stripe provides no warranty, indemnity, or support for Preview Services. Stripe’s aggregate liability for Preview Services is limited to the lesser of the total Fees paid by User to Stripe (excluding all pass-through fees levied by Financial Providers) during the 12 month period before the first event giving rise to liability and USD $1,000.
Account & Service Control · Company practice
Stripe right to modify or discontinue services
Stripe may modify or discontinue any aspect of the Services or Stripe Technology, including imposing conditions on use.
Supporting quotations
(a) Modifications. Stripe may modify or discontinue any aspect of the Services or Stripe Technology, including imposing conditions on use of the Services or Stripe Technology or ceasing to offer a Service or Stripe Technology in a specific country or region. Stripe will provide User reasonable notice if the modification or discontinuation would materially reduce the functionality of a Service or Stripe Technology that User is then using, except where Stripe determines such notice would (i) create or increase a security risk for Stripe, its users, or its Financial Providers; or (ii) cause Stripe (or its Affiliates, as applicable) to violate Law or breach an obligation to a Governmental Authority or Financial Provider.
Account & Service Control · Company commitment
Obligation to implement updates within specified deadline or 90 days
Stripe is not obligated to provide updates, but users must implement provided updates by specified deadlines or within 90 days.
Supporting quotations
(b) Updates. Stripe is not obligated to provide any Updates, but may do so at its discretion. If Stripe makes an Update available, User must implement it by the deadline stated in Stripe’s notice. If no deadline is stated, then User must implement the Update within 30 days of the notice date.
Account & Service Control · Context
Third-Party Services subject to third-party terms
Third-Party Services referenced or accessed through Stripe are governed by separate third-party terms without Stripe endorsement or responsibility.
Supporting quotations
Stripe may reference, allow User to access, or promote Third-Party Services. User’s use of any Third-Party Service is subject to that Third-Party Service’s terms of use and privacy policies, and is at User’s sole risk. Stripe does not approve, endorse, or recommend any Third-Party Services to User and disclaims all responsibility and liability for use of any Third-Party Service.
Account & Service Control · Restriction or exception
User sole responsibility for actions initiated by AI Agents
Users accessing Stripe Services via AI Agents are solely responsible for each action initiated by or through the AI Agent.
Supporting quotations
If User uses an AI Agent to access the Stripe Services, User is solely responsible for each action initiated by or through the AI Agent. User acknowledges that: (a) an AI Agent constitutes an "electronic agent” or equivalent concept as defined or recognized under the Uniform Electronic Transactions Act (UETA) and similar Laws; and (b) actions initiated or completed by an AI Agent are legally binding on User.
Account & Service Control · User right or choice
Use of Stripe Output Data limited to internal business purposes
Users may use Stripe Output Data only for their own internal business purposes in connection with the Services.
Supporting quotations
User’s use of Stripe Output Data is limited to User’s own internal business purposes and for its intended purpose as may be described in the applicable Service Terms or Documentation. User must not use Stripe Output Data: (a) as the sole input into User’s decision making process (e.g., automated decision making, profiling) about engaging, ceasing to engage, or refraining from engaging in a business relationship with any Customer; (b) as a factor in determining a person’s eligibility for credit, insurance, housing or employment; or in any way that could cause Stripe to be a “consumer reporting agency” (as defined in FCRA) or cause the Stripe Output Data to constitute a “consumer report” (as defined in FCRA) or any comparable concept under Law; (c) to discriminate based on race, gender, or other protected characteristics, or take any “adverse action” (as defined in FCRA); (d) in a manner that constitutes a prohibited AI practice under the EU AI Act or in a manner that would cause Stripe to be characterized as a provider or co-deployer of a high-risk AI system; or (e) to develop, test, validate, train, enhance or deploy any machine learning models or algorithms that are a substitute for, or substantially similar to, the Services. User must not sell (including, as defined in the CCPA), rent, transfer, make available, or communicate orally or through other means Stripe Output Data. User must delete Stripe Output Data promptly upon Stripe's reasonable written request.
Account & Service Control · User right or choice
User right to terminate agreement at any time by closing account
Users may terminate the agreement at any time by closing their account and stopping use of Services.
Supporting quotations
(i) Termination for Convenience. User may terminate this Agreement at any time by closing its Stripe Account via the Stripe Dashboard.
Account & Service Control · User right or choice
User right to terminate for uncured material breach upon 30 days notice
Users may terminate immediately if Stripe materially breaches the agreement and fails to cure within 30 days.
Supporting quotations
(ii) Termination for Cause. User may terminate this Agreement immediately upon notice to Stripe if Stripe materially breaches this Agreement and, if capable of cure, does not cure the breach within 10 days after receiving notice specifying the breach.
Account & Service Control · Company practice
Stripe grounds for immediate service suspension
Stripe may immediately suspend access for breach, insolvency, security risk, illegal activity, or fraud risk.
Supporting quotations
(i) Suspension. Stripe may immediately suspend User’s access to the Stripe Technology and use of any or all of the Services if:
Account & Service Control · Company practice
Stripe termination for convenience upon reasonable advance notice
Stripe may terminate the agreement or service terms for convenience at any time upon reasonable advance notice.
Supporting quotations
(1) Termination for Convenience. Unless otherwise agreed in writing, Stripe may terminate this Agreement or close User’s Stripe Account at any time. Stripe will notify User in accordance with Law.
Account & Service Control · Company practice
Immediate termination by Stripe for material breach or insolvency
Stripe may immediately terminate for material breach not cured within 30 days, or immediately for incurable breach.
Supporting quotations
(2) Termination for Cause. Stripe may immediately terminate this Agreement or revoke access to any part of the Services or Stripe Technology if (A) User materially breaches this Agreement and, if capable of cure, does not cure the breach within 10 days after receiving notice specifying the breach; (B) User experiences an Insolvency Event and Law allows for termination; (C) any event listed in Section 10.1(b)(i) of these General Terms occurs; or (D) Law requires, or a Governmental Authority or Financial Provider directs Stripe to do so. Stripe will notify User in accordance with Law.
Account & Service Control · Restriction or exception
Immediate cessation of rights and access upon termination
Upon termination, user rights to use Services immediately cease and users must stop all access and use.
Supporting quotations
Upon termination of this Agreement, User’s rights to use the Services and the Stripe Technology immediately cease. User must immediately cease accessing the Services and delete all license keys, access keys and copies of Stripe Technology. In no event will termination relieve User of its obligation to pay any amounts payable to Stripe for the period prior to the effective date of termination. Unless stated to the contrary, termination of this Agreement will not affect any other agreement between the parties or their Affiliates.
Account & Service Control · User right or choice
User consent to electronic delivery of notices and disclosures
Users consent to receive all notices, disclosures, and communications electronically via the Dashboard or email.
Supporting quotations
Communications to User. User consents to electronic communications as described in the [E-SIGN Disclosure](https://stripe.com/legal/e-sign-disclosure), which is incorporated into this Agreement by this reference. Stripe also may send User Communications by physical mail or delivery service to the postal address listed in the applicable Stripe Account. A Communication Stripe sends to User is deemed received by User on the earliest of (i) when posted to the Stripe Website or Stripe Dashboard; (ii) when sent by text message or email; and (iii) three business days after being sent by physical mail or when delivered, if sent by delivery service.
Account & Service Control · Company practice
Modification of agreement by posting revised terms
Stripe may modify the agreement by posting revised terms, with continued use constituting acceptance.
Supporting quotations
Stripe may modify this Agreement (or any portion of it) at any time by posting a revised version of the modified portion(s) on the Stripe Legal Page or by notifying User. The modified Agreement is effective upon posting or as stated in the notice, if Stripe notifies User. By continuing to use Services after the effective date of any modification to this Agreement, User agrees to be bound by the modified Agreement. User is responsible for checking the Stripe Legal Page regularly for modifications to this Agreement. Except as this Agreement otherwise allows, this Agreement may not be modified except in writing signed by the parties.
Account & Service Control · Company practice
Stripe right to use subcontractors while remaining responsible
Stripe may use affiliates and subcontractors to perform its obligations while remaining responsible to users.
Supporting quotations
Stripe may use subcontractors or its Affiliates in the performance of its obligations under this Agreement. Stripe remains responsible for its overall performance under this Agreement and for having appropriate written agreements in place with its subcontractors and Affiliates to enable Stripe to meet its obligations under this Agreement.