Stripe Services Agreement — Service Terms

Stripe · agreement dated October 2, 2026 · Official agreement

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Account & Service Control · Restriction or exception

You must be a business, public body or non-profit in the country where Stripe serves you, and Stripe must approve you

To use the Services under these terms, the User must be a business (including a sole proprietor), a governmental or public sector entity, or a non-profit organization. The User must be located in the same country where Stripe is providing the Services to it, or in a country Stripe has approved for those Services. Use of the Services is subject to Stripe's approval.

Supporting quotations

2.1 User’s Business.
User must be a business (including sole proprietor), governmental or public sector entity, or non-profit organization, and must be located in the same country where Stripe is providing the Services to User, or in a country approved by Stripe with respect to the Services.
User’s use of the Services is subject to approval by Stripe.

Qualifications & exceptions

  • A sole proprietor counts as a business.
  • A different country is acceptable only if Stripe has approved it with respect to the Services.

Not stated here

  • How Stripe approves a User or a country, and on what criteria, is not stated here.

Account & Service Control · Procedure

You must give Stripe complete User Information, keep it current and report ownership, financial and regulatory changes

To access the Services, and whenever Stripe asks, the User must promptly provide complete and accurate User Information in a form satisfactory to Stripe and keep it current in its Stripe Account, including changes to its business activities, Representatives, beneficial owners and principals. The User must also promptly notify Stripe and update its information if it experiences or anticipates a Change of Control or a material change in business or financial condition (including a likely Insolvency Event), if the regulatory status of its business changes, or if a Governmental Authority has told it that it or its business is under investigative action.

Supporting quotations

2.2 User Information.
To access the Services, and upon Stripe’s request, User must promptly provide complete and accurate User Information to Stripe in a form satisfactory to Stripe, and must keep the User Information in its Stripe Account current.
User also must promptly notify Stripe and provide updated User Information if (a) User experiences or anticipates experiencing a Change of Control; (b) User experiences or anticipates experiencing a material change in User's business or financial condition, including if User experiences or is likely to experience an Insolvency Event; (c) the regulatory status of the business for which User is using the Services changes, including if it becomes subject, or no longer subject, to regulatory oversight; or (d) a Governmental Authority has notified User that it or its business is the subject of investigative action.

Qualifications & exceptions

  • The notice duty covers anticipated events, not only ones that have already happened.
  • User Information, Change of Control, Insolvency Event and Governmental Authority are capitalized terms defined in the General Terms, which are not supplied.

Not stated here

  • What counts as a 'form satisfactory to Stripe' is not specified.

Account & Service Control · User right or choice

EEA: you may let an authorised third-party provider (TPP) access your Payment Account, but you answer for its acts

For Users in the European Economic Area, a Payment Account is as defined in the cited Irish regulation (SI No. 6/2018), and a TPP is a third-party payment service provider that a Governmental Authority authorises to provide account information or payment initiation services. If Stripe provides the User a Payment Account, the User may enable a TPP to access its information or make payments from it according to Law, and may give the TPP its Stripe Account credentials if necessary for that access. The User must ensure each TPP it uses is authorised or registered with the relevant authority and, as between the parties, is liable for the TPP's acts and omissions. Stripe may refuse a TPP access if it reasonably believes the TPP's actions are unauthorised, fraudulent or illegal, and will notify the User unless Law prohibits it. The User must notify Stripe immediately if it believes a payment made through a TPP was unauthorised or incorrect.

Supporting quotations

5.4 Payment Account.
“Payment Account” means a payment account as that term is defined in SI No. 6/2018 – European Union (Payment Services) Regulations 2018.
5.5 Using a Third-Party Payment Services Provider (TPP).
“TPP” means a third-party payment service provider that a Governmental Authority authorises to provide account information services or payment initiation services. If Stripe provides a Payment Account to User, User may enable a TPP to access information regarding that Payment Account or make payments from the Payment Account according to Law. User must ensure that each TPP User uses (if any) is authorised or registered with the applicable Governmental Authority. Notwithstanding anything to the contrary in this Agreement, as among the parties, User is liable for the TPP’s acts and omissions.
Stripe may refuse to allow any TPP to access information regarding User’s Payment Account if Stripe reasonably believes that the TPP’s actions are unauthorised, fraudulent or illegal. Unless Law prohibits notification, Stripe will notify User if Stripe takes this action. User must notify Stripe immediately if User believes a payment made through a TPP was unauthorised or incorrect.

Qualifications & exceptions

  • Applies to Users in the European Economic Area and only if Stripe provides a Payment Account.
  • The User's liability for the TPP applies 'notwithstanding anything to the contrary in this Agreement'.
  • Stripe's refusal must rest on a reasonable belief of unauthorised, fraudulent or illegal action.

Not stated here

  • The cited regulation's text is not supplied.

Account & Service Control · User right or choice

UK, Switzerland, Gibraltar: you may let an authorised TPP access your Payment Account, but you answer for its acts

For Users in the United Kingdom, Switzerland and Gibraltar, a Payment Account is as defined in the cited UK regulation (Payment Services Regulations 2017, SI 2017/752), and a TPP is a third-party payment service provider that a Governmental Authority authorises for account information or payment initiation services. If Stripe provides a Payment Account, the User may enable a TPP to access its information or make payments from it according to Law, and may give the TPP its Stripe Account credentials if necessary. The User must ensure each TPP is authorised or registered and, as between the parties, is liable for the TPP's acts and omissions. Stripe may refuse a TPP access on a reasonable belief that its actions are unauthorised, fraudulent or illegal, notifying the User unless Law prohibits it, and the User must notify Stripe immediately of any payment through a TPP it believes was unauthorised or incorrect.

Supporting quotations

5.4 Payment Account.
“Payment Account” means a payment account as that term is defined in the Payment Services Regulations 2017 (Statutory Instrument 2017/752).
5.5 Using a Third-Party Payment Services Provider (TPP).
If Stripe provides a Payment Account to User, User may enable a TPP to access information regarding that Payment Account or make payments from the Payment Account according to Law. User must ensure that each TPP User uses (if any) is authorised or registered with the applicable Governmental Authority. Notwithstanding anything to the contrary in this Agreement, as among the parties, User is liable for the TPP’s acts and omissions.
Stripe may refuse to allow any TPP to access information regarding User’s Payment Account if Stripe reasonably believes that the TPP’s actions are unauthorised, fraudulent or illegal. Unless Law prohibits notification, Stripe will notify User if Stripe takes this action. User must notify Stripe immediately if User believes a payment made through a TPP was unauthorised or incorrect.

Qualifications & exceptions

  • Applies to Users in the United Kingdom, Switzerland and Gibraltar and only if Stripe provides a Payment Account.
  • The User's liability for the TPP applies 'notwithstanding anything to the contrary in this Agreement'.

Not stated here

  • The cited regulation's text is not supplied.

Account & Service Control · Restriction or exception

Brazil: you warrant no User Entity acts as a Subacquirer or Closed-Loop Network; breach allows immediate suspension

For Users in Brazil, the User warrants that no User Entity uses or will use the Services in Brazil as a Subacquirer, or as a Closed-Loop Network with an interoperability agreement with the Card Networks, both as defined by the Brazilian Central Bank's Resolution No. 150 of October 6, 2021 or any other meaning the Central Bank adopts. If Stripe allows Subacquirer use, the User must notify Stripe at least 5 days before acting as one; if Stripe allows Closed-Loop Network use, the User must enter into additional written agreements with Stripe and the Card Networks. Using the Services in breach of this section lets Stripe immediately suspend or terminate the User's access.

Supporting quotations

5.2 Subacquirer Activities; Closed Loop Networks.
User warrants that no User Entity is using or will use the Services in Brazil in the capacity of a Subacquirer. If Stripe allows User to use the Services in Brazil in the capacity of a Subacquirer, then User must notify Stripe at least 5 days before acting as a Subacquirer in Brazil.
User warrants that no User Entity is using or will use the Services in Brazil in the capacity of a Closed-Loop Network with an interoperability agreement with the Card Networks. If Stripe allows User to use the Services in Brazil in the capacity of a Closed-Loop Network, then User must enter into additional written agreements with Stripe and Card Networks.
If User uses the Services in breach of this section, then Stripe may immediately suspend or terminate User’s access to the Services.

Qualifications & exceptions

  • Applies to Users in Brazil.
  • Both roles require Stripe's permission; Subacquirer use also requires 5 days' advance notice and Closed-Loop use requires further written agreements.
  • The Central Bank resolution is cited by name; its text is not supplied.

Account & Service Control · Procedure

Brazil: you must tell Stripe if anyone associated with you or your account is or was a politically exposed person

For Users in Brazil, the User must notify Stripe if any of its representatives, beneficial owners, principals or other individuals associated with the User or its Stripe Account is or was a politically-exposed person as defined under Brazilian Law.

Supporting quotations

5.4 Politically Exposed Persons.
User must notify Stripe if any of User’s representatives, beneficial owners, principals, and other individuals associated with User or User’s Stripe Account is or was a “politically-exposed person” as defined under Brazilian Law.

Qualifications & exceptions

  • Covers current and former status ('is or was').
  • The definition comes from Brazilian Law, not supplied.

Not stated here

  • No deadline for the notification is stated.

Account & Service Control · User right or choice

Canada: you are bound when you accept at account setup and may close your account at any time for free

For Users in Canada, the User is bound by the Agreement when it accepts it while setting up its Stripe Account. Unless the User and Stripe agree otherwise in writing, the User may close its Stripe Account and terminate the Agreement at any time, with no fee for doing so. Pricing is on the linked Stripe Pricing Page.

Supporting quotations

User is bound by this Agreement when User accepts it as part of setting up User’s Stripe Account. Unless otherwise agreed in writing between User and Stripe, User may close User’s Stripe Account and terminate this Agreement at any time, and there is no fee to do so.

Qualifications & exceptions

  • Applies to Users in Canada.
  • A written agreement between the User and Stripe can displace the free, any-time closure right.

Not stated here

  • The Pricing Page is linked but not supplied.
  • Whether closure ends obligations already accrued is governed by the General Terms, not supplied.

Account & Service Control · Restriction or exception

Hong Kong: you warrant you are the entity using the Services, act for no one else and gave no one account rights

For Users in Hong Kong, the User represents and warrants that it is the entity accessing and using the Services, that it is not entering into the Agreement on behalf of or for any other entity, and that it has not granted any rights in its Stripe Account to any other entity.

Supporting quotations

Hong Kong.
The following Regional Terms apply for Users in Hong Kong.
5.1 Specific Representations and Warranties.
User represents and warrants that User is the entity accessing and using the Services, is not entering into this Agreement on behalf of or for any other entity, and has not granted any rights in the Stripe Account to any other entity.

Qualifications & exceptions

  • Applies to Users in Hong Kong.

Account & Service Control · Restriction or exception

Japan: individuals who are not businesses can be Users only with Stripe's prior approval

For Users in Japan, individuals that are not businesses, including individuals who are not sole proprietors, are eligible as Stripe Users only if Stripe pre-approves them. This widens the general eligibility rule in Section 2.1, which otherwise requires a business, public body or non-profit.

Supporting quotations

Japan.
The following Regional Terms apply for Users in Japan.
5.1 Additional Eligible Users.
Individuals that are not businesses (including individuals that are not sole proprietors) are only eligible as Stripe Users if pre-approved by Stripe.

Qualifications & exceptions

  • Applies to Users in Japan.
  • Eligibility of non-business individuals depends on Stripe's pre-approval.

Not stated here

  • How pre-approval is requested or granted is not stated.

Account & Service Control · Restriction or exception

Singapore: you warrant you are the entity using the Services, act for no one else and gave no one account rights

For Users in Singapore, the User represents and warrants that it is the entity accessing and using the Services, is not entering into the Agreement on behalf of or for any other entity, and has not granted any rights in its Stripe Account to any other entity. The clause matches the Hong Kong warranty.

Supporting quotations

Singapore.
The following Regional Terms apply for Users in Singapore.
5.1 Specific Representations and Warranties.
User represents and warrants that User is the entity accessing and using the Services, is not entering into this Agreement on behalf of or for any other entity, and has not granted any rights in the Stripe Account to any other entity.

Qualifications & exceptions

  • Applies to Users in Singapore.

Account & Service Control · Restriction or exception

You alone are responsible for your goods, customer support, receipts and verifying each Customer

The User is solely responsible for the nature and quality of the goods and services it provides (or, for donations, their intended use) and for supporting Customers on all issues related to its goods, services and business, including delivery, refunds, returns and ancillary services. The User must give each Customer a complete and accurate receipt for every Transaction; if Stripe or an Affiliate, acting as the User's agent, gives a Customer a receipt, that receipt binds the User. The User is also solely responsible for verifying each Customer's identity, determining the Customer's eligibility and authority to transact, and all other issues related to its business.

Supporting quotations

2. User’s Business.
User is solely responsible for (a) the nature and quality of the goods and services User provides (or if User accepts donations, the intended use of those donations); and (b) providing support to Customers regarding all issues related to User’s goods and services and business activities, including delivery, refunds, returns, and for all other ancillary services User provides to Customers.
User must offer each Customer a complete and accurate receipt for each Transaction. If, in the capacity as User’s agent, Stripe or its Affiliate provides a Customer with a receipt for a Transaction, that receipt is binding on User. User is solely responsible for verifying each Customer’s identity, determining a Customer’s eligibility and authority to complete a Transaction, and all other issues related to User’s goods and services and business activities.

Qualifications & exceptions

  • A receipt issued by Stripe or its Affiliate as the User's agent is binding on the User.

Account & Service Control · Restriction or exception

Accept cards only where authorized, disclose your name, address and country up front, never act as a facilitator

The User may accept payment card Transactions only in locations authorized by Stripe and the applicable Card Network; the Card Networks may request location information and certification and make the final determination of the User's location. Before Customers are prompted for card details, the User must prominently and clearly disclose its name, address and country, and must ensure Customers understand the User is responsible for the Transactions. The User must not act as, or hold itself out as, a payment facilitator, intermediary or aggregator, or otherwise resell the Stripe Payments Services.

Supporting quotations

User may only accept payment card Transactions in locations authorized by Stripe and the applicable Card Network. The Card Networks may request information and certification relating to User’s location, and make a final determination of User’s location. User must prominently and clearly disclose User’s name, address, and country location to Customers before Customers are prompted to provide payment card information. User must ensure that Customers understand that User is responsible for the Transactions. User must not act as or hold itself out as a payment facilitator, intermediary or aggregator, or otherwise resell the Stripe Payments Services.

Qualifications & exceptions

  • Location authorization comes from both Stripe and the Card Network, with the Card Networks making the final location determination.
  • The disclosure must come before Customers are prompted to provide card information.

Account & Service Control · Restriction or exception

Networks may limit which cards you take; no minimums or maximums, no exposed-detail mail forms, show accepted cards

Each Card Network may allow the User to accept only a subset of its cards, in which case the User must follow the Card Network Rules on limited acceptance. The User must not set minimum or maximum amounts for payment card Transactions except as the Card Network Rules permit. The User must not require a Customer to complete a form that, when mailed, shows the Customer's signature or Payment Method Account Details in plain view. If the User accepts payment cards, it must say so wherever it tells Customers which Payment Methods it accepts, including on its website.

Supporting quotations

Each Card Network may allow User to accept only a subset of that Card Network’s cards, in which case User must comply with the Card Network Rules that govern limited acceptance.
User must not establish minimum or maximum amounts for payment card Transactions, except as the Card Network Rules permit.
User must not require any Customer to complete a form that includes the Customer’s signature or any Payment Method Account Details displayed in plain view when mailed.
If User accepts payment cards, then User must indicate that fact wherever User informs its Customers of the Payment Methods User accepts, including on User’s website.

Qualifications & exceptions

  • Minimum or maximum amounts are allowed only as the Card Network Rules permit.

Account & Service Control · Procedure

Describe each charge accurately, be contactable, deal fairly, name Stripe as processor, meet consumer disclosure Law

When using the Stripe Payments Services, the User must, towards Customers: accurately communicate and not misrepresent the nature, amount and currency of each Transaction before submitting it; provide a meaningful way to contact the User if goods or services are not provided as described; not sell in a way that is unfair or deceptive, exposes Customers to unreasonable risks or fails to disclose material purchase terms in advance; inform Customers that Stripe and, if applicable, its Affiliates process Transactions for the User; and, when collecting authorizations electronically, ensure Customers consent to electronic signatures and electronic delivery of communications in accordance with Law. With consumer Customers, the User must provide legally required disclosures and must not engage in unfair, deceptive or abusive acts or practices.

Supporting quotations

3.7 Customer Communication.
When using the Stripe Payments Services User must, with respect to Customers (a) accurately communicate and not misrepresent the nature, amount and currency of each Transaction prior to submitting it for processing; (b) provide a meaningful way to contact User in the event that User’s goods or services are not provided as described; (c) not use the Stripe Payments Services to sell goods or services in a manner that is unfair or deceptive, exposes Customers to unreasonable risks, or does not disclose material terms of a purchase in advance; (d) inform Customers that Stripe and, if applicable, its Affiliates, process Transactions for User; and (e) if User is collecting authorizations electronically, ensure that Customers consent to electronic signatures and delivery of communications in accordance with Law.
If User engages in Transactions with Customers who are consumers, User must provide the disclosures Law requires, and must not engage in unfair, deceptive, or abusive acts or practices.

Qualifications & exceptions

  • The consumer-disclosure and UDAAP-style duty applies to Transactions with Customers who are consumers.

Not stated here

  • Which Law's disclosure requirements apply depends on the User's and Customers' jurisdictions, not stated here.

Account & Service Control · Company practice

Thirteen specific triggers let Stripe use its Section 5.5 remedies, from excessive Disputes to likely insolvency

Without limiting its other rights, Stripe may use any or all of the remedies in Section 5.5 of these Payments Terms if it reasonably determines that a User Entity: has incurred or is likely to incur excessive Disputes, Refunds or Reversals; submitted Transactions for goods or services not immediately deliverable without Stripe's prior consent; has a negative Stripe Account balance; has had or is likely to have a change Stripe considers material in the time between charge and fulfillment; is or is likely to become subject to an Insolvency Event; has had or is likely to have a deterioration of business or financial condition Stripe considers material; has breached or is likely to breach, or cause Stripe to breach, the Agreement, another Stripe services agreement or applicable Financial Provider Terms; has violated or is likely to violate Law or Financial Provider Terms, or cause Stripe to; has had or is likely to have a Change of Control; has initiated fraudulent, suspicious or criminal Transactions or actions, itself or through its people; has changed its business model without Stripe's prior consent, increasing Stripe's risk; or has acted or done business in a way that presents an unacceptable risk. Most triggers include anticipated events ('is likely to').

Supporting quotations

5.3 Stripe Remedies – Specific Triggers.
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe may exercise any or all of the remedies stated in Section 5.5 of these Stripe Payments Terms if Stripe reasonably determines that a User Entity:
has incurred or is likely to incur excessive Disputes, Refunds or Reversals
has submitted one or more Transactions for goods or services not immediately deliverable to the Customer without first obtaining Stripe’s consent
has a negative Stripe Account balance
has experienced or is likely to experience a change in the average time between the initial charge and fulfillment of Customer orders that Stripe considers to be material
is or is likely to become the subject of an Insolvency Event
has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material
has breached or is likely to breach, or has caused or is likely to cause Stripe to breach, this Agreement (or any other Stripe services agreement with a Stripe Entity) or the Financial Provider Terms applicable to the User Entity’s use of the Services
has violated or is likely to violate Law or Financial Provider Terms
has caused or is likely to cause Stripe to violate Law or Financial Provider Terms
has experienced or is likely to experience a Change of Control
has, either itself or by way of its employees, agents, directors or contractors, initiated Transactions or undertaken any other action that is or is likely to be fraudulent, suspicious or involve criminal activity
has, without Stripe’s prior consent, changed its business model (including services supplied by a User Entity to its customers), exposing Stripe to increased risk
has acted in a manner or engaged in business, trading practice or other activity that presents an unacceptable risk

Qualifications & exceptions

  • The standard is Stripe's reasonable determination.
  • Triggers apply to any User Entity, not only the contracting User.
  • Most triggers are met by a likely future event, not only an actual one.

Not stated here

  • The remedies themselves are in Section 5.5, analyzed in the next packet.
  • What Stripe considers 'material' or an 'unacceptable risk' is not defined.

Account & Service Control · Company practice

Stripe may also use its remedies if it reasonably expects post-termination losses from a User Entity, or Law requires

Beyond the thirteen specific triggers, Stripe may exercise any or all of the Section 5.5 remedies if it reasonably determines that it may incur losses from credit, fraud, criminal activity or other risks associated with a User Entity after these Payments Terms terminate, or if Law requires. This is without limiting Stripe's other rights or remedies.

Supporting quotations

5.4 Stripe Remedies – General Trigger.
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe may exercise any or all of the remedies stated in Section 5.5 of these Stripe Payments Terms if (a) Stripe reasonably determines that Stripe may incur losses resulting from credit, fraud, criminal activity or other risks associated with a User Entity after these Stripe Payments Terms terminate; or (b) Law requires.

Qualifications & exceptions

  • The risk trigger looks to losses that may arise after termination and applies to any User Entity.
  • The standard is Stripe's reasonable determination, or a legal requirement.

Account & Service Control · Procedure

After these terms end you must finish existing Transactions, take no new ones and remove Stripe and provider Marks

After these Payments Terms terminate, the User must fulfill its obligations for existing Transactions, must not accept new Transactions through the Services, and must remove all Marks of the Stripe Entities and Financial Providers from its website unless a separate license with a Financial Provider permits them. Stripe will complete Transactions initiated before termination as long as it would have completed them had the terms still been in force; for example, it will not complete a Transaction a Financial Provider prohibits. Termination does not affect the User's responsibility for Transactions under Section 3 of these Payments Terms.

Supporting quotations

7. Post-Termination Obligations.
7.1 Completion of Transactions.
Following termination of these Stripe Payments Terms, User must fulfill User’s obligations related to existing Transactions and must not accept new Transactions via the Services, and must remove all Marks of the Stripe Entities and Financial Providers from User’s website (unless permitted under a separate license with a Financial Provider). Stripe will complete Transactions initiated before termination as long as Stripe would have completed those Transactions were these Stripe Payments Terms still in place (e.g., Stripe will not complete a Transaction if a Financial Provider prohibits Stripe from doing so). Termination does not affect User’s responsibility for Transactions described in Section 3 of these Stripe Payments Terms.

Qualifications & exceptions

  • Marks may stay only under a separate license with a Financial Provider.
  • Stripe's completion of pre-termination Transactions is conditional on it having been able to complete them under the terms.

Account & Service Control · Procedure

Tell Stripe at once if your charge-to-fulfillment time changes materially; supply policy and fulfillment data on request

The User must immediately notify Stripe and provide updated User Information if it experiences or anticipates a material change in the average time between the initial charge and fulfillment of Customer orders. On request, the User must promptly give Stripe information about Transactions and Disputes, including its refund and shipping policies, data on captured but unfulfilled charges, data on the time between charge capture and fulfillment, and any other information Stripe reasonably requests.

Supporting quotations

8. User Information Updates.
User must immediately notify Stripe, and provide to Stripe updated User Information, if User experiences or anticipates experiencing a material change in the average time between the initial charge and fulfillment of Customer orders. Upon request, User must promptly provide to Stripe information related to Transactions and Disputes, including (a) refund and shipping policies (if applicable); (b) data on captured but unfulfilled charges; (c) data on the time between charge capture and fulfillment of Customer orders; and (d) any other information Stripe reasonably requests.

Qualifications & exceptions

  • The notice duty covers anticipated as well as actual changes.
  • Stripe's information requests must be reasonable.

Account & Service Control · Restriction or exception

Use payment methods only for genuine, unencumbered sales, and make your card-data providers meet the PCI Standards

The User may use the Payment Methods and Stripe Payments Services only for bona fide commercial transactions with Customers, which must be free of liens, claims and encumbrances other than ordinary sales taxes. The User must comply with the PCI Standards to the extent they apply, and must ensure its third-party service providers that store, access or transmit Payment Method Account Details do too.

Supporting quotations

10. Additional Obligations.
User must only use the Payment Methods and Stripe Payments Services for bona fide commercial transactions (which must be free of liens, claims, and encumbrances other than ordinary sales taxes) with Customers. User must, and will ensure that User’s third-party service providers that store, access or transmit Payment Method Account Details, comply with the PCI Standards, to the extent they apply.

Qualifications & exceptions

  • PCI compliance duties apply 'to the extent they apply' and extend to the User's third-party providers handling Payment Method Account Details.

Account & Service Control · Restriction or exception

EEA card rules: never pose as a network member, no harmful site content, track PIN devices, one name in authentications

For Users in the European Economic Area, additional card Transaction rules apply. The User must not misrepresent itself as a member of any Card Network. Its site and establishment must not contain libelous, defamatory, obscene, pornographic or profane material or instructions that may cause harm to individuals. The User must manage PIN entry device assets, recording each device's stock and serial numbers and location and performing basic electronic and physical identification and authentication of each device. For intra-EEA and intra-country Transactions in the EEA, the User must use the same name in the authentication messages it submits.

Supporting quotations

European Economic Area.
The following Regional Terms apply for Users in the European Economic Area.
15.1 Card Transactions.
15.1.1 Location and Identification.
In addition to the further requirements related to location and identification, User must not misrepresent itself as being a member of any Card Network.
15.1.2 Harmful Material.
User’s site and establishment (if applicable) must not contain libelous, defamatory, obscene, pornographic or profane material or any instructions that may cause harm to individuals.
15.1.3 PIN Entry Device Asset Management.
User must appropriately manage PIN entry device assets, including by (i) recording the stock and serial numbers of each PIN entry device; (ii) recording the location of each PIN entry device; and (iii) undertaking basic electronic and physical identification and authentication of each PIN entry device.
15.1.4 Intra-EEA and Intra-country Transactions.
User must use the same name in authentication messages User submits for intra-EEA Transactions and intra-country Transactions in the EEA.

Qualifications & exceptions

  • Applies to Users in the European Economic Area, in addition to the general location and identification requirements.
  • PIN entry device duties apply where the User has such devices.

Account & Service Control · Procedure

EEA: you must make customer service information, including email and telephone contact instructions, readily available

For Users in the European Economic Area, as an additional requirement imposed by the Payment Method Rules, the User must make customer service information readily available to its Customers, including clear instructions on how Customers can contact it by email and telephone.

Supporting quotations

15.3 Additional Customer Service Information Requirements Imposed by Payment Method Rules.
User must make customer service information readily available to User’s Customers, including clear instructions on how User’s Customers can contact User by email and telephone.

Qualifications & exceptions

  • Applies to Users in the European Economic Area; both email and telephone contact instructions are required.

Account & Service Control · Restriction or exception

UK, Switzerland, Gibraltar card rules: never pose as a network member, no harmful site content, manage PIN devices

For Users in the United Kingdom, Switzerland and Gibraltar, the same additional card Transaction rules as the EEA apply: the User must not misrepresent itself as a member of any Card Network, and its site and establishment must not contain libelous, defamatory, obscene, pornographic or profane material or instructions that may cause harm to individuals. A PIN entry device asset-management duty follows under heading 15.1.3; its text is in the next packet.

Supporting quotations

United Kingdom, Switzerland, Gibraltar.
The following Regional Terms apply for Users in the United Kingdom, Switzerland and Gibraltar.
15.1 Card Transactions.
15.1.1 Location and Identification.
In addition to the further requirements related to location and identification, User must not misrepresent itself as being a member of any Card Network.
15.1.2 Harmful Material.
User’s site and establishment (if applicable) must not contain libelous, defamatory, obscene, pornographic or profane material or any instructions that may cause harm to individuals.
15.1.3 PIN Entry Device Asset Management.

Qualifications & exceptions

  • Applies to Users in the United Kingdom, Switzerland and Gibraltar, in addition to the general location and identification requirements.

Account & Service Control · Restriction or exception

UK, Switzerland, Gibraltar: manage PIN devices, 13 months to report reconciliation errors, publish email and phone

For Users in the United Kingdom, Switzerland and Gibraltar, the User must manage PIN entry device assets by recording each device's stock and serial numbers and location and performing basic electronic and physical identification and authentication. Deviating from Section 5.1, the window for notifying Stripe of a Transaction history error so that Stripe will help correct it is 13 months after the error appears, not 60 days. As an additional Payment Method Rules requirement, the User must make customer service information readily available, including clear email and telephone contact instructions.

Supporting quotations

User must appropriately manage PIN entry device assets, including by (i) recording the stock and serial numbers of each PIN entry device; (ii) recording the location of each PIN entry device; and (iii) undertaking basic electronic and physical identification and authentication of each PIN entry device.
15.2 Notice Period for Error Reconciliation.
Deviating from Section 5.1 (Reconciliation and Responsibility), if User finds an error when User reconciles User’s Transaction history, Stripe will reasonably cooperate with User to investigate and help correct that error as long as User notifies Stripe of the error within 13 months after the error appears in User’s Transaction history.
15.3 Additional Customer Service Information Requirements Imposed by Payment Method Rules.
User must make customer service information readily available to User’s Customers, including clear instructions on how User’s Customers can contact User by email and telephone.

Qualifications & exceptions

  • Applies to Users in the United Kingdom, Switzerland and Gibraltar.
  • The 13-month window replaces the general 60-day window of Section 5.1.

Account & Service Control · Procedure

Brazil: your name and URL may appear on Customers’ bank statements, so the descriptor must clearly identify you

For Users in Brazil, when using the Stripe Payment Services, the User's name (or the name used to identify it) and URL may appear on Customers' bank statements. To minimize confusion and avoid disputes, the text the User gives Stripe for this purpose must let Customers clearly identify the User and accurately describe its business or activities.

Supporting quotations

15.2 User Identification Information in Bank Statements.
When using Stripe Payment Services, User’s name (or the name used to identify User) and URL may appear on Customers’ bank statements. To minimize confusion and avoid potential disputes, the text User provides to Stripe for this purpose must clearly allow Customers to identify User and accurately describe User’s business or activities.

Qualifications & exceptions

  • Applies to Users in Brazil.

Account & Service Control · Restriction or exception

India: use the Payment Services only for selling goods and services, not for donations or charitable payments

For Users in India, the User may use the Stripe Payment Services only for Transactions for the provision of goods and services to its Customers. Processing donations or payments for charitable services is excluded, which narrows the general terms that elsewhere contemplate accepting donations.

Supporting quotations

15.2 Processing Transactions for Provision of Goods and Services.
User may only use the Stripe Payment Services in connection with Transactions for the provision of goods and services to User’s Customers. This does not include processing of donations or payments for charitable services.

Qualifications & exceptions

  • Applies to Users in India.
  • Donations and charitable payments are expressly excluded.

Account & Service Control · Procedure

India: your website must clearly show your terms and conditions and the timeline for returns and refunds

For Users in India, the User must ensure its website clearly indicates the terms and conditions for the goods or services it provides to Customers and the timeline for processing returns and refunds.

Supporting quotations

15.3 Terms and Conditions for User’s own Goods or Services.
User will ensure that User’s website clearly indicates the terms and conditions for the goods or services that User provides to its Customers, and the timeline for processing returns and refunds.

Qualifications & exceptions

  • Applies to Users in India.

Account & Service Control · Restriction or exception

India Amex terms: show Amex marks equally, no higher surcharge, no discouraging, equal refunds, give contact details

Users in India who accept American Express cards must display the American Express trademarks Stripe provides with at least equal representation to other payment methods they offer, through Stripe or otherwise. They must 'warmly welcome' American Express cards: either no surcharge for American Express, or a surcharge no greater than the lowest surcharge for any other credit card they accept. They must not discourage Customers from using American Express or disparage the brand; their site and establishment must not contain libelous, defamatory, obscene, pornographic or profane material or harmful instructions; their refund policy for American Express must be at least as favorable to Customers as for other payment methods; and they must provide contact information, including email and phone, that lets Customers access their Transaction information.

Supporting quotations

User will display American Express trademarks that Stripe may provide User from time to time and give them at least equal representation with other payment methods User offers, whether through Stripe or otherwise.
User will "warmly welcome" American Express cards meaning that either User will not surcharge User’s Customers for use of American Express cards, or if User does, that such surcharge will be no greater than the lowest surcharge for any other credit card User accepts.
User will not discourage Customers from using American Express cards or disparage the American Express brand.
User’s site and establishment (if applicable) must not contain libelous, defamatory, obscene, pornographic or profane material or any instructions that may cause harm to individuals.
User’s refund policy for use of American Express cards must be at least as favorable to User’s Customers as the refund policy for other payment methods User accepts.
User will provide User’s contact information (including email and phone) that will allow User’s Customers to access their Transaction information.

Qualifications & exceptions

  • Applies to Users in India who elect to accept American Express cards.
  • A surcharge on American Express is allowed only if no greater than the lowest surcharge on any other accepted credit card.

Account & Service Control · Restriction or exception

Japan: local American Express terms apply; individuals or sole proprietors may give their address on request instead

For Users in Japan, country-specific American Express Terms and Conditions replace the American Express Merchant Operating Guide linked in Section 3.4(a). Section 3.4(b) on location and identification is replaced with a version that keeps the same rules, acceptance only where Stripe and the Card Network authorize, prominent disclosure of name, address and country before card details are requested, clarity that the User is responsible, and no acting as a payment facilitator or reseller, with one exception: a User who is an individual or sole proprietor may choose to disclose its address to Customers promptly on request rather than up front.

Supporting quotations

Japan.
The following Regional Terms apply for Users in Japan.
15.1 Card Network Rules.
Instead of the version of the American Express Merchant Operating Guide linked to in Section 3.4(a) (Card Network Rules), these country-specific
15.2 Card Transactions: Location and Identification.
Section 3.4(b) (Location and Identification) is replaced with the following:
User must prominently and clearly disclose User’s name, address, and country location to Customers before Customers are prompted to provide payment card information, except that User may choose to disclose User’s address to Customers promptly upon request if User is an individual or sole proprietor.

Qualifications & exceptions

  • Applies to Users in Japan.
  • The address-on-request option is available only to individuals and sole proprietors.
  • The Japanese American Express terms are linked, not supplied.

Account & Service Control · Restriction or exception

Adaptive Pricing works only on Stripe-processed Transactions and only to accept payment for your own goods and services

The User may use the Stripe Adaptive Pricing Services only in connection with Transactions Stripe processes through the Stripe Payments Services, and only for accepting a Customer's payment for goods and services the User provides to Customers.

Supporting quotations

2.2 Services Restrictions. User may only use the Stripe Adaptive Pricing Services in connection with:
Transactions that Stripe processes via the Stripe Payments Services
accepting a Customer’s payment for goods and services that User provides to Customers

Qualifications & exceptions

  • Both conditions must hold: Stripe-processed Transactions and payment for the User's own goods and services.

Account & Service Control · Procedure

Integrate per the Documentation, use Stripe Elements for agent purchases, follow the rules, and help resolve disputes

The User must integrate the Stripe API and use the Agentic Commerce Agent Services, including Stripe Elements (Stripe's pre-built UI components for payment flows), in accordance with the Documentation, the Agreement and any technical specifications Stripe provides or publishes, and must use Stripe Elements to facilitate Agentic Transactions. It must use the Services in accordance with Law, the Payment Method Requirements (including those on collecting consents from and giving disclosures to Agentic Customers under Section 4.1) and any obligations owed to Agentic Sellers. It must reasonably cooperate with Stripe and any Agentic Seller, including by supplying the information and evidence needed to resolve Agentic Disputes, Agentic Refunds and Agentic Customers' product liability claims, such as transaction logs and Agentic Customer Information.

Supporting quotations

2. User Obligations.
User must integrate the Stripe API and use the Agentic Commerce Agent Services, including Stripe Elements, in accordance with the Documentation, this Agreement and any technical specifications that Stripe provides to User or publishes.
User must use Stripe Elements to facilitate Agentic Transactions.
User must use the Agentic Commerce Agent Services in accordance with Law, Payment Method Requirements (including those relating to User's collection of consents from Agentic Customers and its provision of disclosures to Agentic Customers under Section 4.1 of these Agentic Commerce Agent Terms) and any obligations owed to Agentic Sellers.
User must reasonably cooperate with Stripe and any Agentic Seller, including to provide all necessary information and evidence to resolve Agentic Disputes, Agentic Refunds, and Agentic Customers' product liability claims, including transaction logs and relevant Agentic Customer Information.
“Stripe Elements” means Stripe's pre-built UI components for creating payment flows.

Qualifications & exceptions

  • Use of Stripe Elements for Agentic Transactions is mandatory.
  • Cooperation extends to Agentic Sellers, not only Stripe.

Not stated here

  • The Documentation and technical specifications are not supplied.

Account & Service Control · Restriction or exception

You may need a Stripe profile; you, not Stripe or the agent platform, fulfill orders, issue receipts, are the merchant

To use the Service, the User and each Participating Seller that is a Connected Account may be required to create a Stripe profile with complete and accurate business information Stripe reasonably requires and keep it current. The User, itself or through its Participating Sellers, and not Stripe, is responsible for fulfilling orders from AC Transactions (customer-initiated purchases through an AC Interface), giving the AC Customer an itemized receipt, and handling customer service including warranty claims, returns, exchanges, disputes, refunds and reversals. The User or Participating Seller, not Stripe or the AC Interface Provider, is the merchant of record, and neither Stripe nor the AC Interface Provider ever takes title to goods sold through the AC Interface. An AC Customer is a Customer under the Agreement and a Data Subject under the Data Processing Agreement.

Supporting quotations

3. User Obligations.
To use the Stripe Agentic Commerce Seller Services, User and each Participating Seller (if applicable and if a Connected Account) may be required to (a) create a Stripe profile that provides complete and accurate business information that Stripe reasonably requires to provide the Stripe Agentic Commerce Seller Services; and (b) maintain that Stripe profile and keep all information provided current.
User (whether itself or through its Participating Sellers), and not Stripe, is responsible for (a) fulfilling AC Customer orders from AC Transactions; (b) providing AC Customer with an itemized receipt for the AC Transaction; and (c) addressing any customer-service-related issues for AC Transactions, including warranty claims, returns, exchanges, disputes, refunds, and reversals.
User or Participating Seller (if applicable), and not Stripe or the AC Interface Provider, is the “merchant of record” for AC Transactions. Stripe and AC Interface Provider will not, at any time, take title to any goods sold via the AC Interface.
“AC Customer” means an individual or entity, whether acting for itself or through an AI agent, who initiates a request to purchase goods or services from User or a Participating Seller (if applicable) via an AC Interface enabled by Stripe Agentic Commerce Seller Services. An “AC Customer” is a “Customer” under the Agreement and “Data Subject” under the Data Processing Agreement.
“AC Transaction” means a transaction between an AC Customer and User or Participating Seller (if applicable), that is initiated by an AC Customer for the purchase of goods or services offered by the User or Participating Seller.

Qualifications & exceptions

  • The profile requirement is 'may be required', at Stripe's determination.
  • Merchant-of-record status sits with the User or Participating Seller for every AC Transaction.

Not stated here

  • The Data Processing Agreement is referenced but not supplied.

Account & Service Control · Restriction or exception

Connect platforms designate Participating Sellers; agent sales are Connect Activity and sellers carry your duties

Section 3.7 applies if the User is a Stripe Connect Platform and any of its Connected Accounts are Participating Sellers: merchants selling through the User's platform, or Connected Accounts the User designates to sell through the Service. The Stripe Connect Terms apply to the platform, and AC Transactions count as 'Activity' under them. The User designates Participating Sellers to the applicable AC Interface Providers and Stripe and enables them to offer goods to AC Customers through an AC Interface. Each Participating Seller that is a Connected Account is treated as a 'User' of the Seller Services, so the User's obligations under these terms also bind that Connected Account.

Supporting quotations

This section applies if User is a Stripe Connect Platform and any of User’s Connected Accounts are Participating Sellers. The Stripe Connect Terms apply to the Stripe Connect Platform and AC Transaction(s) are an “Activity”, under the Stripe Connect Terms.
User will designate Participating Sellers to applicable AC Interface Providers and Stripe, and enable Participating Sellers to make goods or services available for purchase to AC Customers via an AC Interface.
Each Participating Seller that is a Connected Account is considered a “User” of the Stripe Agentic Commerce Seller Services and the obligations of User under these Agentic Commerce Seller Terms also apply to the Connected Account.
“Participating Seller” means either (a) a merchant offering its goods and services to end customers through User’s platform and User is using Stripe Agentic Commerce Seller Services; or (b) a Connected Account designated by User, that is enabled to offer its goods or services to end customers using Stripe Agentic Commerce Seller Services.

Qualifications & exceptions

  • Applies only where the User is a Stripe Connect Platform with Connected Accounts acting as Participating Sellers.
  • Treating AC Transactions as Connect 'Activity' brings the platform's Connect liability for Connected Account activity into play.

Account & Service Control · Company practice

Stripe may refuse to onboard you or a seller it sees as too risky, and may decline any agent sale it thinks improper

Stripe may, at its discretion, refuse to onboard the User or any Participating Seller to the Seller Services if it believes they present an unacceptable risk to Stripe. It may also, at its discretion, decline, cancel, refuse to facilitate or otherwise refuse to provide the Services for any AC Transaction it believes may violate these terms, the Agreement or another agreement with Stripe, is unauthorized, fraudulent or illegal, violates Law or the Payment Method Rules, or exposes or is likely to expose Stripe to unacceptable risk.

Supporting quotations

6. Additional Stripe Rights.
Stripe may, at its discretion, refuse to onboard User or any Participating Seller to Stripe Agentic Commerce Seller Services if Stripe believes User or Participating Seller presents an unacceptable risk to Stripe. Stripe may also, at its discretion, decline, cancel, refuse to facilitate or otherwise provide Stripe Agentic Commerce Seller Services in conjunction with any AC Transaction that Stripe believes (a) may violate these Agentic Commerce Seller Terms, the Agreement, or any other agreement between Stripe and User or a Participating Seller; (b) is unauthorized, fraudulent or illegal; (c) violates Law or Payment Method Rules; or (d) exposes, or is likely to expose, Stripe to unacceptable risk.

Qualifications & exceptions

  • Both rights are discretionary and rest on Stripe's belief about risk or violation.

Not stated here

  • What Stripe treats as 'unacceptable risk' is not defined.

Account & Service Control · Restriction or exception

Atlas relies on what you tell Stripe; inaccurate information can block the Service or make documents wrong

The User acknowledges that the Stripe Atlas Services rely on the accuracy and completeness of the information it provides and that it is solely responsible for that accuracy and completeness. Inaccurate or incomplete information may prevent Stripe from providing some or all of the Atlas Services and may cause the documents prepared through them to be inaccurate or incomplete.

Supporting quotations

2. User Information.
User acknowledges that the Stripe Atlas Services rely on the accuracy and completeness of information User provides to Stripe, and User is solely responsible for the accuracy and completeness of all information. Inaccurate or incomplete information may: (a) result in Stripe not being able to provide some or all of the Stripe Atlas Services; and (b) cause the documents in connection with the Stripe Atlas Services to be inaccurate or incomplete.

Account & Service Control · Permission or license

You authorize Stripe to use your information for an IRS tax ID and to appoint a Registered Agent; report agent changes

If the User uses the Atlas Services to obtain a tax identification number from the U.S. Internal Revenue Service, it authorizes Stripe to use the User Information for that purpose. The User also authorizes Stripe to designate a Registered Agent, a person or entity appointed to act as registered agent for the Company, and must inform Stripe of any independent action it takes regarding its Registered Agent, including changes and dissolutions.

Supporting quotations

3.3 Tax Identification Number.
If User uses the Stripe Atlas Services to obtain a tax identification number from the U.S. Internal Revenue Service, User authorizes Stripe to use the User Information for such purpose..
3.4 Registered Agent.
User authorizes Stripe to designate a Registered Agent. User must inform Stripe of any action related to its Registered Agent that it takes independently, including changes and dissolutions.
“Registered Agent” means a person or entity appointed to act as a registered agent on behalf of the Company.

Qualifications & exceptions

  • The tax-ID authorization applies only if the User uses Atlas to obtain an IRS tax identification number.

Account & Service Control · Restriction or exception

No gift cards, stored value or wallets via credits; no health data, ITAR activity, unlawful use or LLM-terms breaches

The User must not use the credits feature of Billing to sell gift cards, offer stored value, offer wallet functionality or enable purchases from third parties. It must not use Billing in ways the Documentation expressly prohibits, must not use it, or let its Connected Accounts use it, with Protected Health Information, must not use LLM Services in violation of the LLM Services' terms and policies, and must not use Billing for activities subject to the U.S. International Traffic in Arms Regulations (ITAR) or in a way that breaches or causes a breach of Law.

Supporting quotations

4. Services Restrictions.
User must not use the credits feature of the Stripe Billing Services to (a) sell gift cards; (b) offer stored value to User’s customers; (c) offer a wallet functionality; or (d) enable the purchase of products or services from third parties.
User must not use the Stripe Billing Services in ways expressly prohibited in the Documentation.
User must not, and must ensure that its Connected Accounts (if applicable) do not, use the Stripe Billing Services in connection with Protected Health Information.
User must not use LLM Services in violation of the LLM Services’ terms of service and policies.
User must not use the Stripe Billing Services (a) for activities that are subject to International Traffic in Arms Regulations (ITAR) maintained by the United States Department of State; or (b) in a manner that breaches, or causes the breach of Law.

Qualifications & exceptions

  • The Protected Health Information ban extends to the User's Connected Accounts where applicable.
  • ITAR is cited by name; its text is not supplied.

Not stated here

  • The Documentation's express prohibitions are not supplied.

Account & Service Control · Company practice

Stripe may suspend, restrict or remove any third-party or LLM service in Billing at its discretion, without notice

Stripe reserves the right, at its sole discretion, to suspend, restrict or remove the User's access to any Third-Party Service, including LLM Services, available through the Billing Services, with or without prior notice and without liability to the User.

Supporting quotations

Stripe reserves the right, at its sole discretion, to suspend, restrict, or remove User's access to any Third-Party Service (including LLM Services) available via the Stripe Billing Services, with or without prior notice and without liability to User.

Qualifications & exceptions

  • No reason, notice or compensation is required.

Account & Service Control · Restriction or exception

Help identify Prospects, use only Stripe-approved marketing to your Connected Accounts, and pull materials on notice

On Stripe's request the User must cooperate to identify Prospects, the Platform Users or Connected Accounts eligible for a Prequalified Offer. The User must follow Stripe's guidelines when creating Marketing Materials and submit all of them, including ones based on Stripe templates, for Stripe's approval before use. It may market Stripe Capital Financing only to its own Connected Accounts, and Prequalified Offers only to Prospects, in each case within the Approved Territory, following all guidelines and instructions from Stripe (or Stripe on behalf of a Capital Provider) and the Documentation. It must immediately stop using any Marketing Materials when Stripe notifies it that they do not adhere to Stripe's guidelines, instructions or the Documentation, or present unacceptable risk to Stripe or a Capital Provider.

Supporting quotations

2.3 Marketing to Prospects.
Upon Stripe’s request, User must cooperate with Stripe to identify Prospects for Stripe Capital Financing.
User must comply with Stripe’s guidelines and directions when creating Marketing Materials. User must submit all Marketing Materials that User intends to use in connection with Stripe Capital Financing or the Stripe Capital for Platforms Services, including any Marketing Materials based on templates provided by Stripe, for approval by Stripe before they are used.
User is only permitted to market (i) Stripe Capital Financing to User’s Connected Accounts, and (ii) Prequalified Offers only to Prospects, in each instance within the Approved Territory. User must comply with all guidelines and instructions from Stripe, or Stripe on behalf of a Capital Provider, and the Documentation when marketing Stripe Capital Financing.
User must immediately discontinue using any Marketing Materials if Stripe notifies User that (i) the Marketing Materials do not adhere to Stripe’s guidelines, Stripe’s instructions, or the Documentation; or (ii) the Marketing Materials present unacceptable risk to Stripe or a Capital Provider.
“Marketing Materials” means the marketing materials developed for the purpose of promoting Stripe Capital Financing to select Platform Users and Connected Accounts, and Prequalified Offers to Prospects.
“Prospect” means a Platform User or Connected Account that is eligible for a Prequalified Offer.

Qualifications & exceptions

  • All Marketing Materials need Stripe's prior approval.
  • Marketing audience is limited to the User's Connected Accounts and, for Prequalified Offers, Prospects.

Account & Service Control · Procedure

Every Prospect must apply through the Application Flow; redirect any Prospect who asks you how to apply

The User must ensure all Prospects apply for Stripe Capital Financing through the Application Flow, the sequence of steps Prospects must follow when applying. If a Prospect contacts the User, or the User contacts a Prospect, about completing an application, the User must redirect the Prospect to the Application Flow through a process Stripe provides or approves.

Supporting quotations

2.5 Applying for Stripe Capital Financing.
User must ensure that all Prospects apply for Stripe Capital Financing via the Application Flow. If a Prospect contacts User, or User contacts a Prospect, regarding how to complete an application for Stripe Capital Financing, User must redirect that Prospect to the Application Flow via a process provided or approved by Stripe.
“Application Flow” means the sequence of steps that Prospects must take when applying for Stripe Capital Financing.

Qualifications & exceptions

  • Redirection must use a Stripe-provided or Stripe-approved process.

Account & Service Control · Restriction or exception

Use the API and Dashboard per the Documentation, charge Connected Accounts no extra fees, give Stripe platform access

If Stripe makes the Stripe API or Dashboard available, the User may use them per the Documentation to access Program Data (application, eligibility, Servicer, Transaction, credential, record and compliance data Stripe uses for the Service) and Marketing Materials, and to give Connected Accounts and Prospects access to financing. The User must not charge its Connected Accounts additional fees in connection with the Service or a financing. At no cost to Stripe, the User must give Stripe an account on its platform and access to every surface that features, references or embeds Capital for Platforms components, so Stripe can use, test and monitor the User's use and marketing and its compliance with these terms.

Supporting quotations

2.8 Stripe API and Stripe Dashboard.
If Stripe makes the Stripe API or Stripe Dashboard available to User, then User may use them in accordance with the Documentation to access the Program Data and Marketing Materials and to provide Connected Accounts and Prospects with access to Stripe Capital Financing.
2.9 Additional Fees.
User must not charge User’s Connected Accounts additional fees in connection with Stripe Capital for Platforms Services or a Stripe Capital Financing.
2.10 Platform Access.
User must, at no cost to Stripe, provide Stripe with an account on User’s platform, and provide access to all surfaces on User’s platform that feature, reference, or embed components of Stripe Capital for Platforms Services to enable Stripe to use, test, and monitor User’s use and marketing of the Stripe Capital for Platforms Services and compliance with these Stripe Capital for Platforms Terms.
“Program Data” means data associated with an application for Stripe Capital Financing, eligibility criteria, Servicers, Transactions, access credentials, records, regulatory compliance data, and any other information Stripe uses or generates to provide the Capital for Platforms Services to User.

Qualifications & exceptions

  • API and Dashboard access is at Stripe's option ('if Stripe makes available').
  • The ban on additional fees covers both the Service and the financing itself.

Account & Service Control · Procedure

Answer financing questions only with unmodified Pre-Approved Responses; forward Complaints within 3 business days

Unless Section 2.11 says otherwise, the User must use Pre-Approved Responses, the Stripe-approved communications, when answering questions or other communications from Platform Users, Connected Accounts, Prospects or Financing Recipients about the Service or financing, and must not modify them. Where a Pre-Approved Response cannot resolve the matter, the User must redirect the person to Stripe or follow Stripe's instructions. Any other contact about the Service or financing must follow Stripe's guidelines, instructions and the Documentation. Pre-Approved Responses may not be used for Complaints; the User must direct complainants to submit Complaints to capital-support@stripe.com within 3 business days after receipt. The User may reply to its own employees' inquiries or feedback.

Supporting quotations

2.11 Communication with Platform Users, Connected Accounts, Prospects, and Financing Recipients.
Unless otherwise described in this Section 2.11, User must use Pre-Approved Responses when responding to questions or other communications from Platform Users, Connected Accounts, Prospects, or Financing Recipients about the Stripe Capital for Platforms Services or Stripe Capital Financing. If a Platform User, Connected Account, Prospect, or Financing Recipient needs assistance that a Pre-Approved Response cannot resolve, then User must redirect that Platform User, Connected Account, Prospect, or Financing Recipient to Stripe or otherwise follow Stripe’s instructions for resolution.
Stripe will provide all Pre-Approved Responses and User must not modify a Pre-Approved Response in any way.
User must not use Pre-Approved Responses to respond to Complaints. User must direct Platform Users, Connected Accounts, Prospects, and Financing Recipients to submit Complaints regarding the Stripe Capital for Platforms Services and Stripe Capital Financing to capital-support@stripe.com within 3 business days after receipt. User may elect to reply to inquiries or feedback from User’s employees about the Stripe Capital for Platforms Services.
“Pre-Approved Responses” means the Stripe-approved communications used to respond to questions or reply to other communications.

Qualifications & exceptions

  • Pre-Approved Responses come from Stripe and may not be modified in any way.
  • The 3-business-day window runs from the User's receipt of the Complaint.

Not stated here

  • Whether the 3-business-day deadline binds the complainant or the User's redirection is not spelled out.

Account & Service Control · Procedure

Train your staff to Stripe’s guidelines, do not outsource duties without approval, accept Stripe monitoring and audits

The User must ensure all employees, contractors and agents with Capital for Platforms responsibilities receive training that complies with any written guidelines Stripe provides. Unless Stripe approves in writing, the User must not outsource or subcontract its obligations under these terms. Stripe may monitor and review the User's Stripe Account, API use, marketing activities and any policies, procedures, agreements, consents and disclosures the User gives its Platform Users, to check compliance; on written request the User must permit and cooperate with an audit by Stripe or its third-party auditor, including by providing additional information.

Supporting quotations

2.12 Training.
User must ensure that all employees, contractors, and agents with responsibilities related to Stripe Capital for Platforms Services receive training that complies with the guidelines that Stripe provides to User in writing (if any).
2.13 Outsourcing Prohibited.
Unless otherwise approved by Stripe in writing, User must not outsource or subcontract User’s obligations under these Stripe Capital for Platforms Terms to any third party.
2.14 Monitoring; Audit.
Stripe may monitor and review User’s Stripe Account, User’s use of the Stripe API, User’s marketing activities, and any other information, policies and procedures or agreements, consents, and disclosures that User makes available to User’s Platform Users, to ensure User’s compliance with these Stripe Capital for Platforms Terms. At Stripe’s written request, User must permit and cooperate with Stripe or its third-party auditor to audit User’s compliance with these Stripe Capital for Platforms Terms, which may include providing additional information upon request by Stripe or its third-party auditor.

Qualifications & exceptions

  • Training guidelines apply only if Stripe provides them in writing.
  • Audits follow Stripe's written request and may be conducted by a third-party auditor.

Account & Service Control · Restriction or exception

Climate Orders may be used only under these terms and never for personal, family or household purposes

The User must use Stripe Climate Orders in compliance with the terms that apply to them and must not use them for personal, family or household use.

Supporting quotations

3. Stripe Climate Orders.
3.1 User's Use of Stripe Climate Orders.
User must use Stripe Climate Orders in compliance with these terms for Stripe Climate Orders. User must not use the Stripe Climate Orders for personal, family, or household use.

Account & Service Control · Company practice

Frontier may suspend or end your Climate Orders access at any time for any reason; it offers only retirement

Frontier may at any time or for any reason suspend or terminate the User's access to Stripe Climate Orders, including its ability to advertise or publicize any CRUs or Climate Orders. The User agrees that Frontier offers solely the Retirement of CRUs and is not a marketplace, dealer or seller of carbon removal units or offtakes. Beyond what these terms state, the Stripe Parties including Frontier make no representation or warranty about Climate Orders or any CRU, including a CRU's availability at any time or the validity of its generation.

Supporting quotations

3.6 Suspension and Termination.
Frontier may, at any time or for any reason, suspend or terminate User's access to Stripe Climate Orders, including User's ability to advertise or publicize any CRUs or Stripe Climate Orders.
3.7 Disclaimer.
User agrees that Frontier offers solely the Retirement of CRUs, and that Frontier is not acting as a marketplace, dealer, or seller of carbon removal units or offtakes. Other than as provided herein, the Stripe Parties (including Frontier) make no representation or warranty of any kind whatsoever for Stripe Climate Orders or a CRU, including the availability of a CRU at any given time or the validity of a CRU’s generation.

Qualifications & exceptions

  • Suspension or termination needs no reason and covers the User's publicity about CRUs.

Account & Service Control · User right or choice

You may enroll each Platform User as a Connected Account, with Stripe Managed Risk (Stripe bears merchant losses) or not

The User may enroll each Platform User (a user of its platform) as a Connected Account as the Documentation describes. It may enroll Connected Accounts as SMR Connected Accounts, on which Stripe provides Stripe Managed Risk Services and so assumes liability for Merchant Losses with accompanying risk support, or as Non-SMR Connected Accounts, where it does not.

Supporting quotations

2. Connected Account Types and Risk.
2.1 Platform Account Options.
User may elect to enroll each Platform User as a Connected Account as described in the Documentation.
2.2 Stripe Managed Risk Services.
User may enroll its Connected Accounts as SMR Connected Accounts or Non-SMR Connected Accounts, in accordance with these Stripe Connect Terms.
“SMR Connected Account” means a Connected Account on which Stripe is providing Stripe Managed Risk Services.
“Non-SMR Connected Account” means a Connected Account on which Stripe is not providing Stripe Managed Risk Services.
“Stripe Managed Risk Services” means the Services that enable Stripe to assume liability for Merchant Losses as described in the Stripe Connect Terms, and perform accompanying risk-related support services.
“Platform User” means, where User is acting as a Stripe Connect Platform, a user of User’s platform.

Qualifications & exceptions

  • The choice between SMR and Non-SMR enrollment determines who bears Merchant Losses.

Account & Service Control · Restriction or exception

With Stripe Managed Risk, all your Connected Accounts must be on it, you use the required tools, and Radar stays on

When using Stripe Managed Risk Services, all of the User's Connected Accounts must be SMR Connected Accounts, except as Stripe approves in a signed writing or the Documentation permits, while transitioning pre-existing Platform Users from Non-SMR to SMR within a reasonable time per the Documentation, or while transitioning them from SMR to Non-SMR during the SMR Transition Period. The User must use all Stripe Technology Stripe requires for the service, such as Stripe-Hosted Onboarding, the Stripe-hosted web form and tools for collecting Platform User onboarding information. Stripe enables Radar on all SMR Connected Accounts by default and the User must not disable it.

Supporting quotations

2.3 Requirements for Using Stripe Managed Risk Services.
When using Stripe Managed Risk Services, all User’s Connected Accounts must be SMR Connected Accounts, except (i) as Stripe expressly approves in writing signed by the parties or as is otherwise permitted in the Documentation; (ii) when User is transitioning pre-existing Platform Users from Non-SMR Connected Accounts to SMR Connected Accounts, which User must do within a reasonable time period and in accordance with the Documentation; and (iii) when User is transitioning pre-existing Platform Users from SMR Connected Accounts to Non-SMR Connected Accounts during the SMR Transition Period.
User must use all applicable Stripe Technology that Stripe requires for using Stripe Managed Risk Services as described in the Documentation (e.g., Stripe-Hosted Onboarding). Stripe will enable Stripe Radar Services on all SMR Connected Accounts by default, and User must not disable these Services.
“Stripe-Hosted Onboarding” means the web form and set of onboarding tools hosted by Stripe used to collect onboarding information relating to Platform Users as described in the Documentation.

Qualifications & exceptions

  • Mixed SMR and Non-SMR portfolios are allowed only with Stripe's signed approval, Documentation permission, or during transitions.
  • Radar cannot be turned off on SMR Connected Accounts.

Account & Service Control · Procedure

For Singapore sole-proprietor or receipt-requesting accounts without a Dashboard, deliver receipts and keep records

Section 5 applies only to Relevant SG Connected Accounts: Singapore-based Connected Accounts without Stripe Dashboard access that are sole proprietors or, if not, that request a receipt. For them the User must deliver receipts containing the Receipt Requirements (transaction date, total amount including service fees and any exchange rate, and a unique reference number) within a reasonable time, keep retrievable, examinable delivery records, and give them to Stripe within 5 business days of a reasonable request. If Stripe believes the User's process does not meet the Receipt Requirements, the User must change it as Stripe requires.

Supporting quotations

5. Connected Accounts in Singapore.
This Section 5 only applies to Relevant SG Connected Accounts.
User must: (a) deliver receipts containing the Receipt Requirements to Relevant SG Connected Accounts within a reasonable time period; (b) maintain records of delivery in a retrievable and examinable format, and (c) at Stripe’s reasonable request, provide those records to Stripe within 5 business days of Stripe’s request. If Stripe believes that User’s existing process does not satisfy the Receipt Requirements, then, on Stripe’s request, User must modify that process as Stripe requires.
“Relevant SG Connected Accounts” means Connected Accounts based in Singapore that do not have access to a Stripe Dashboard and: (a) are sole proprietors; or (b) for Connected Accounts that are not sole proprietors, request a receipt from User.
“Receipt Requirements” means, for each Transaction on a Relevant SG Connected Account, the following information: (a) the date of the Transaction; (b) the total amount of the Transaction, including any service fees and relevant foreign exchange rates that apply to the Transaction; and (c) a unique reference number for the Transaction.

Qualifications & exceptions

  • Applies only to Relevant SG Connected Accounts.
  • Records must be produced within 5 business days of Stripe's reasonable request.

Account & Service Control · Procedure

United States: Payout Recipients are paid for you, have no Stripe contract, and need enrollment and the Recipient Notice

For Users in the United States, Stripe may enable payouts to Payout Recipients, third parties to whom Stripe lets the User pay out via Connect. Stripe provides no service directly to them, they have no contractual or business relationship with Stripe, and Stripe pays them on the User's behalf. They sign no Connected Account Agreement, and that concept does not apply to Payout Recipient Connected Accounts. The User must complete a Stripe account application for each Payout Recipient and enroll them as a Connected Account, each subject to Stripe's approval, and must ensure each receives the Stripe Recipient Notice (jurisdiction-specific information in the Documentation) before the first payout. Making payouts to Payout Recipients is a use of the Stripe Payments Services.

Supporting quotations

United States.
The following Regional Terms apply for Users in the United States.
9.1 Payout Recipients.
Stripe may enable User to make payouts to Payout Recipients. For the purpose of these payouts, Stripe does not provide any service directly to the Payout Recipients, and the Payout Recipients do not have a contractual or business relationship with Stripe. To the extent Stripe makes payouts to Payout Recipients, it does so on User’s behalf. To receive these payouts, Payout Recipients will not enter into a Connected Account Agreement, and that concept, as used in these Stripe Connect Terms, will not apply to Connected Accounts that are Payout Recipients.
User must complete a Stripe account application for each Payout Recipient and enroll them as a Connected Account. Each Payout Recipient is subject to Stripe’s approval. User must ensure that each Payout Recipient receives the Stripe Recipient Notice before User makes a payout to the Payout Recipient.
By making payouts to Payout Recipients, User is using Stripe Payments Services.
“Payout Recipient” means a third-party recipient to which Stripe enables User to make payouts via the Stripe Connect Services.

Qualifications & exceptions

  • Applies to Users in the United States.
  • Each Payout Recipient is subject to Stripe's approval and must receive the Stripe Recipient Notice before any payout.

Not stated here

  • The Stripe Recipient Notice is in the Documentation, not supplied.

Account & Service Control · Procedure

Integrate per the Documentation, use Connect and account data lawfully and per your agreements, disclose Platform Fees

The User must integrate the Stripe API and use the Connect Services under the Documentation and the Agreement, and must use the Connect Services and Connected Account Data in accordance with Law and its Platform Provider Agreement, its own agreements with each Connected Account. It must clearly and prominently disclose all Platform Fees, the fees it directs Stripe to charge Connected Accounts for its Platform Services, and, where charged separately, any Stripe Fees.

Supporting quotations

3. User Obligations.
3.1 Stripe Connect Services Integration and Use.
User must integrate the Stripe API and use the Stripe Connect Services in accordance with the Documentation and this Agreement. User must use the Stripe Connect Services and Connected Account Data in accordance with Law and User’s Platform Provider Agreement. User must clearly and prominently disclose all Platform Fees, if any, and, to the extent charged separately, any Fees.
“Platform Fees” means the fees User directs Stripe to charge User’s Connected Accounts for the Connected Accounts’ use of User’s Platform Services.
“Platform Provider Agreement” means, as to each Connected Account, collectively, the agreements that a Stripe Connect Platform has with that Connected Account.

Qualifications & exceptions

  • Fee disclosure covers Platform Fees and separately charged Stripe Fees.

Account & Service Control · Procedure

Keep Connected Accounts within their agreement and the law, report illegal or fraudulent activity at once, fight misuse

The User must ensure Connected Accounts do not use the Services in breach of the Connected Account Agreement or for any activity Law or the Agreement prohibits. It must immediately inform Stripe if it learns a Connected Account is engaged in illegal, fraudulent, deceptive or harmful activity or is breaching the Connected Account Agreement or the Agreement, and must cooperate with Stripe to reduce fraud or other misuse, including by providing relevant information.

Supporting quotations

3.2 Connected Accounts and Risk.
User must ensure that Connected Accounts do not use the Services in breach of the Connected Account Agreement or for any activity that Law or this Agreement prohibits. User must immediately inform Stripe if User becomes aware that a Connected Account is engaging in any activity that is illegal, fraudulent, deceptive or harmful, or in breach of the Connected Account Agreement or this Agreement. User must cooperate with Stripe to reduce the risk of fraud or other misuse of the Services, including by providing relevant information to Stripe.

Qualifications & exceptions

  • The reporting duty is triggered by the User becoming aware and requires immediate notice.

Account & Service Control · Procedure

Your own onboarding means you create accounts, collect data and get agreement; Stripe-onboarded accounts can cut you off

If the User onboards Platform Users through User-Hosted Onboarding (its own interface built on the Stripe API or embedded Stripe components), it must create and manage the Connected Accounts' Stripe accounts, collect and provide Connected Account Data as the Documentation prescribes, and ensure each Platform User agrees to the Connected Account Agreement before using any Stripe services; on request it must prove those agreements exist, and must change its acceptance process if Stripe believes it does not create a binding agreement. If the User uses Stripe-Hosted Onboarding, it gets access to certain Connected Account Data Stripe collects and must collect and provide additional data on request to validate an account. Where Stripe onboards Platform Users through Stripe-Hosted Onboarding, Connected Accounts without Platform Pricing Control may terminate the User's ability to conduct Activity on their accounts at any time.

Supporting quotations

4. Onboarding, Activity and Data.
4.1 User Onboarding Obligations.
If User onboards Platform Users using User-Hosted Onboarding, User must: (i) create and manage the Stripe accounts for its Connected Accounts; (ii) ensure that Connected Account Data is collected and provided to Stripe in the manner prescribed in the Documentation; and (iii) ensure that each Platform User agrees to the Connected Account Agreement before it uses any Stripe services. At Stripe’s request, User must provide proof as Stripe requires that these Connected Account Agreements have been entered into between the Connected Accounts and Stripe. If Stripe believes that User’s existing acceptance process does not create a binding agreement between Stripe and each Connected Account, then, on Stripe’s request, User must modify that process as Stripe requires.
If User uses Stripe-Hosted Onboarding, User will have access to certain Connected Account Data collected by Stripe. At Stripe’s request, User will collect and provide additional Connected Account Data to validate a Connected Account.
4.2 Ability to Conduct Activity.
If Stripe onboards Platform Users using Stripe-Hosted Onboarding, those Connected Accounts without Platform Pricing Control may terminate User’s ability to conduct Activity on their Stripe accounts at any time.
“User-Hosted Onboarding” means User’s onboarding user interface used to collect onboarding information relating to Platform Users built using: (a) the Stripe API; or (b) Stripe-developed components embedded into the Platform Services, each as described in the Documentation.
“Stripe-Hosted Onboarding” means the web form and set of onboarding tools hosted by Stripe used to collect onboarding information relating to Platform Users as described in the Documentation.

Qualifications & exceptions

  • Duties depend on whether onboarding is User-Hosted or Stripe-Hosted.
  • The termination right belongs only to Stripe-onboarded accounts without Platform Pricing Control.

Account & Service Control · Company practice

The General Terms govern Connected Account Data; Stripe may refuse or limit an account until it has enough information

Section 4 of the General Terms (not supplied) applies to all Connected Account Data the User provides to Stripe. Stripe may refuse to create a Stripe account for a Platform User, or limit the functionality available to one, until it is satisfied it has received sufficient information about that Platform User.

Supporting quotations

Section 4 of the General Terms applies to all Connected Account Data that User provides to Stripe. Stripe may refuse to create a Stripe account for a Platform User or limit the functionality available to a Platform User until Stripe is satisfied that it has received sufficient information about that Platform User.

Qualifications & exceptions

  • Stripe's refusal or limitation lasts until it is satisfied with the information received.

Not stated here

  • Section 4 of the General Terms is unknown; the General Terms are not supplied.

Account & Service Control · Company practice

Stripe may cut the pipeline at once if your Destination drops needed features; it disconnects, and your duties survive

Stripe may, by notifying the User, immediately suspend or terminate access to the Data Pipeline Services if a Destination stops offering the features Stripe uses to provide them. On termination or suspension Stripe disconnects from the Destination, stops transmitting SDP Data and deletes the access credentials the User provided; the User loses access to any data syncs containing new SDP Data. The User's obligations under Sections 2.2 (restricted uses), 2.3 (data subject requests) and 3 (SDP Data), and any existing duty under the Agreement to delete or destroy data, survive termination.

Supporting quotations

4. Termination.
Stripe may, by notifying User, immediately suspend or terminate User’s access to the Stripe Data Pipeline Services if an applicable Destination stops offering the features or functionality that Stripe uses to provide the Stripe Data Pipeline Services. Upon termination or suspension of the Stripe Data Pipeline Services, Stripe will disconnect from the User’s applicable Destination(s), cease transmitting SDP Data to the applicable Destination, and delete any access credentials User provided to Stripe. User will lose access to any data syncs, automated or otherwise, containing new SDP Data. User’s obligations under Sections 2.2, 2.3, and 3 of these SDP Terms, and any existing obligation User has under the Agreement to delete or destroy data, will survive the termination of these SDP Terms.

Qualifications & exceptions

  • Termination requires notice but can be immediate.
  • The restricted-use, data-subject-request and SDP Data obligations survive.

Account & Service Control · Company practice

Stripe may restrict coins or payout types, suspend the Service, and refuse any payout for fraud, failed screening or Law

Stripe may add or restrict access to particular Stablecoin or fiat denominations or payout types at any time in its sole discretion, and may suspend or terminate access to the Service under the General Terms. It may also refuse any individual Stablecoin Payout Transaction at any time, including where it determines the User, a recipient or a Stablecoin Partner is engaged in fraudulent, unlawful, deceptive or abusive activity, where the Designated Wallet fails blockchain monitoring or compliance screening under Section 2.8, where the User lacks sufficient funds in its Financial Account or Stablecoin in its wallet, or for any reason Law permits or requires.

Supporting quotations

2.5 Stripe's Right to Restrict.
Stripe may add or restrict access to particular denominations of Stablecoin or fiat currency, or types of Stablecoin Payout Transactions, at any time in its sole discretion. Stripe may suspend or terminate User's access to the Stripe Global Payouts Stablecoin Services at any time in accordance with the General Terms. In addition to Stripe's right to restrict access to the Stripe Global Payouts Stablecoin Services generally, Stripe may refuse any individual Stablecoin Payout Transaction at any time, including if (a) Stripe determines that User, a Stablecoin Payout Recipient, or a Stablecoin Partner is engaged in any fraudulent, unlawful, deceptive, or abusive activity; (b) the Designated Wallet fails blockchain monitoring or compliance screening under Section 2.8; (c) User has insufficient funds in its Financial Account, or an insufficient Stablecoin balance in its Stablecoin Partner Wallet, as applicable; or (d) for any reason permitted or required by Law.

Qualifications & exceptions

  • Denomination and payout-type restrictions are at Stripe's sole discretion.
  • Refusal of individual payouts is 'including' the listed grounds, so not limited to them.

Account & Service Control · Procedure

Stripe may demand proof of compliant use, your business standing and purpose; answer within 14 days or lose access

The User must provide information Stripe requests to confirm compliance with the Agreement, including information verifying that its use of the Stripe Identity Services and its receipt and use of Stripe Data and Submitted Data comply with these terms and Law, that it has not modified the Services without Stripe's consent, its industry, business activities, licensing and regulatory standing, and its purpose for using the Services. The User must respond promptly and no later than 14 days after the request; Stripe may suspend or terminate access to the Services immediately if the User fails to provide requested information under this Section 6.

Supporting quotations

6. Audit.
6.1 Obligation to Provide Information.
User must provide information that Stripe requests for the purpose of ensuring that User complies with this Agreement, including information verifying:
(a) that User’s use of the Stripe Identity Services complies with these Stripe Identity Terms and Law;
(b) that User’s receipt and use of the Stripe Data and Submitted Data complies with these Stripe Identity Terms and Law;
(c) that User has not modified the Stripe Identity Services without Stripe’s consent;
(d) User’s industry, business activities, licensing and regulatory standing; and
(e) User’s purpose for using the Stripe Identity Services.
6.2 Obligation to Respond Promptly.
User must respond to Stripe’s requests for information promptly, but no later than 14 days after Stripe’s request. Stripe may suspend or terminate User’s access to the Stripe Identity Services immediately if User fails to provide information Stripe requests under this Section 6.

Account & Service Control · User right or choice

You may appoint an Issuing Administrator to run your card program and are responsible for everything they do

The User may appoint a Stripe Issuing Administrator, the individual who manages its participation in the Stripe Issuing Program, to administer the program on its behalf, for example requesting Cards for Issuing Authorized Users, changing the Stripe Issuing Account and managing how authorized users use Cards. The User must ensure the Administrator complies with these terms and is responsible for the Administrator's acts and omissions in connection with the program.

Supporting quotations

3. Use of the Stripe Issuing Services.
3.1 Stripe Issuing Administrator.
User may appoint a Stripe Issuing Administrator to administer the Stripe Issuing Program on User’s behalf (e.g., requesting Cards for Issuing Authorized Users, making changes to the Stripe Issuing Account, managing how Issuing Authorized Users use Cards). User must ensure that the Stripe Issuing Administrator complies with these Stripe Issuing Accountholder Terms. User is responsible for the Stripe Issuing Administrator’s acts and omissions in connection with the Stripe Issuing Program.
“Stripe Issuing Administrator” means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Program.

Account & Service Control · Procedure

Your cardholders may use Cards only for business purchases; you are liable for them and they are not Stripe's customers

In its agreement with its Issuing Authorized Users (individuals such as employees, contractors or representatives it authorizes to make Card Transactions on its behalf), the User must specify that their use of the Stripe Issuing Program and Account is solely for business-related purchases. The User must ensure they comply with these terms, including the ban on conducting or dealing with a Prohibited or Restricted Business, and is responsible and liable for their acts and omissions with Cards. The User may impose liability on them only as Law allows. Issuing Authorized Users act under the User's authority and are not Stripe customers.

Supporting quotations

3.2 Issuing Authorized Users.
In the agreement between User and User’s Issuing Authorized Users, User must specify that the Issuing Authorized User’s use of the Stripe Issuing Program and Stripe Issuing Account must be solely for business-related purchases. User must ensure that Issuing Authorized Users comply with these Stripe Issuing Accountholder Terms, including the prohibition on conducting, or dealing with, a Prohibited or Restricted Business. User is responsible and liable for User’s Issuing Authorized Users’ acts and omissions in connection with their use of Cards. User may only impose liability on Issuing Authorized Users in connection with the Stripe Issuing Program as Law allows. Issuing Authorized Users act under User’s authority and are not customers of Stripe.
“Issuing Authorized User” means an individual a Stripe Issuing Accountholder authorizes to use a Card to make Card Transactions on the Stripe Issuing Accountholder’s behalf (e.g., the Stripe Issuing Accountholder’s employee, independent contractor or representative designated as an authorized user).

Qualifications & exceptions

  • Liability may be passed to Issuing Authorized Users only as Law allows.

Account & Service Control · Restriction or exception

You must be a commercial business, use the account for business only, and follow the Issuing Program Guidelines

The User must be a commercial business enterprise and the Stripe Issuing Account is for business purposes only. The User must not use, or let an Issuing Authorized User use, the Accountholder Services for Card Unauthorized Purposes, and must comply, and ensure its Administrator and authorized users comply, with the Stripe Issuing Program Guidelines, the product design, marketing, compliance, reporting and other requirements Stripe and its Affiliates set for the Issuing Services, as updated from time to time.

Supporting quotations

3.3 Compliance.
User must be a commercial business enterprise and the Stripe Issuing Account is for business purposes only. User must not use, or permit an Issuing Authorized User to use, the Stripe Issuing Accountholder Services for Card Unauthorized Purposes; and will comply, and ensure that User’s Stripe Issuing Administrator and Issuing Authorized Users comply, with the Stripe Issuing Program Guidelines.
“Stripe Issuing Program Guidelines” means all product design, marketing, compliance, reporting, and other guidelines and requirements Stripe and its Affiliates establish related to the Stripe Issuing Services, as updated from time to time.

Qualifications & exceptions

  • The Program Guidelines may be updated from time to time.

Account & Service Control · Procedure

Forward every Issuing Complaint within 3 business days; Stripe or your Platform Provider handles your inquiries

The User must submit each Issuing Complaint it receives, meaning any expression of dissatisfaction with a product, service, policy or employee related to a Stripe Issuing Program, to its Platform Provider or, if it has none, to issuing-support@stripe.com within 3 business days of receipt. Stripe, or the User's Platform Provider where applicable, manages all inquiries from the User about the Accountholder Services, including use of Cards and lost, stolen or damaged Cards.

Supporting quotations

3.4 Issuing Complaint Handling.
User must submit each Issuing Complaint User receives to User’s Platform Provider or, if User does not have one, to issuing-support@stripe.com within 3 business days after User receives the Issuing Complaint.
3.6 Inquiries.
Stripe (or, if applicable, User’s Platform Provider) will manage all inquiries from User regarding Stripe Issuing Accountholder Services, including inquiries related to the use of Cards, and lost, stolen or damaged Cards.
“Issuing Complaint” means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program.
“Platform Provider” means the platform that gives User access to the Stripe Issuing Program (if User is a Connected Account or if User otherwise accesses the Stripe Issuing Program through a platform).

Account & Service Control · Procedure

Cards must be activated through your Dashboard or Platform Provider before anyone uses them

The User must activate each Card through its Stripe Dashboard or, if applicable, its Platform Provider before it or its Issuing Authorized Users use the Card. Stripe provides activation instructions directly or with the Card delivery, and the User passes them to its Administrators and authorized users. Once activated, Issuing Authorized Users may use Cards to initiate Card Transactions on the User's behalf.

Supporting quotations

4.3 Card Activation.
User must activate a Card through User’s Stripe Dashboard (or, if applicable, through User’s Platform Provider) before User or User’s Issuing Authorized Users use that Card. Stripe will provide activation instructions to User, either directly or with delivery of Cards. User will provide those instructions to User’s Stripe Issuing Administrators and Issuing Authorized Users. Once a Card is activated, Issuing Authorized Users may use Cards to initiate Card Transactions on User’s behalf.

Account & Service Control · Company practice

Cards stay Stripe property; Stripe may cancel or suspend any Card, and you must return or destroy cancelled ones

Cards are Stripe's property. If Stripe asks, the User must promptly return a Card, or make its Issuing Authorized User return it, as Stripe instructs, and must immediately and at its own expense return cancelled Cards or certify in writing that they were destroyed. Stripe may in its reasonable discretion cancel, suspend or restrict a Card at any time, including where Law or Card Network Rules require or where a Card is used for a Card Unauthorized Purpose (a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the Issuing Services). Stripe will notify the User as soon as practicable afterwards and, where Law permits, give reasons, and will issue a replacement or lift the restriction as soon as practicable after it decides in its sole discretion that the reasons no longer exist.

Supporting quotations

4.4 Ownership and Cancellation of Cards.
Cards are the property of Stripe. If Stripe requests that User or an Issuing Authorized User return a Card, then User must return, or ensure that the Issuing Authorized User returns, that Card promptly to Stripe as Stripe instructs. User will immediately and at User’s expense return cancelled Cards to Stripe or provide written certification that cancelled Cards have been destroyed.
Stripe may, in its reasonable discretion, cancel, suspend or restrict the use of a Card at any time, including as required by Law or Card Network Rules, or if a Card is used for a Card Unauthorized Purpose. Stripe will notify User as soon as practicable after cancelling, suspending or restricting a Card, and to the extent Law permits, will inform User of the reasons for the cancellation, suspension or restriction. Stripe will issue a replacement Card or lift the suspension or restriction of a Card as soon as practicable after Stripe, in its sole discretion, determines that the reasons for cancellation, suspension or restriction cease to exist.
“Card Unauthorized Purpose” means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Stripe Issuing Services.
“Card Network Rules” means the Payment Method Rules published by a Card Network.

Qualifications & exceptions

  • Reasons are given only to the extent Law permits.
  • Whether the grounds have ceased is Stripe's sole-discretion decision.

Account & Service Control · Procedure

Cards expire on their printed date; replacements may cost a fee; you set and pass on spend limits

Cards are valid until the expiry date printed on them. The User may request a replacement Card and Stripe may charge a fee for issuing replacements. The User, or its Platform Provider where applicable, may set limits or restrictions on the Stripe Issuing Account through the Stripe Dashboard, including spend limits on individual Card Transactions, a maximum spend in a given period, a cap on the number of cards issued to the account and the types of merchants where Cards may be used, and is responsible for communicating and implementing those limits to its Issuing Authorized Users.

Supporting quotations

Cards are valid for the period ending on the expiry date set out on the relevant Card. User may request a replacement Card and Stripe may charge a fee for the issuance of replacement Cards.
User, (or, if applicable, User’s Platform Provider) may establish limits or restrictions on User’s Stripe Issuing Account through User’s Stripe Dashboard, including spend limits on individual Card Transactions, a maximum spend limit in any given period, a limit on the number of cards issued to User’s Stripe Issuing Account and the types of merchants with which User’s Cards may be used. User (or, if applicable, User’s Platform Provider) is responsible for communicating and implementing any limits to User’s Issuing Authorized Users.

Qualifications & exceptions

  • Limits can be set by the User or, where applicable, its Platform Provider.

Not stated here

  • The replacement-card fee amount is not stated here.

Account & Service Control · Restriction or exception

You handle all cardholder support, Stripe gives none, and you cannot outsource it

The User, or its Platform Provider where applicable, handles all enquiries about Card usage and lost, damaged or stolen Cards, and all other enquiries from Issuing Authorized Users. Stripe will not provide support to Issuing Authorized Users for the Stripe Issuing Services. The User may not outsource Issuing Authorized User support to any third party.

Supporting quotations

7.2 Issuing Authorized User Servicing.
User (or, if applicable, User’s Platform Provider) will handle (a) all enquiries regarding Card usage and lost, damaged or stolen Cards and (b) all other enquiries from Issuing Authorized Users. Stripe will not provide support to Issuing Authorized Users in relation to the Stripe Issuing Services. User may not outsource Issuing Authorized User support to any third party.

Qualifications & exceptions

  • The duty sits with the User or its Platform Provider, if one applies.

Account & Service Control · Company practice

Stripe may use its remedies for breach, nonpayment, over-limit use, stale information, excessive disputes, risk or Law

Stripe may exercise the remedies in Section 13.3 if (a) the User fails to comply with any obligation in the Issuing Accountholder Terms; (b) the User fails to pay amounts owed to Stripe or its Affiliates for the Stripe Issuing Program; (c) the User starts a Card Transaction that would exceed or violate a limit set for its use of the program; (d) Stripe determines the User gave inaccurate application information or failed to keep it current; or (e) the User has excessive Card Transaction disputes or unauthorized Card Transactions. Separately, Stripe may use the same remedies if it reasonably determines it may incur losses from credit, fraud, criminal activity or other risks associated with a User Entity after the terms terminate, or if Law requires. These rights do not limit Stripe's other rights or remedies.

Supporting quotations

13. Additional Remedies.
13.1 Stripe Remedies - Specific Triggers.
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe may exercise any one or more of the remedies stated in Section 13.3 of these Stripe Issuing Accountholder terms if (a) User fails to comply with any of its obligations under these Stripe Issuing Accountholder Terms; (b) User fails to pay any amounts User owes to Stripe or any of its Affiliates in connection with the Stripe Issuing Program; (c) User initiates a Card Transaction that would exceed or violate a limit established for User’s use of the Stripe Issuing Program; (d) Stripe determines that User provided inaccurate information in User's application, or that User has failed to keep this information current; or (e) User experiences excessive Card Transaction disputes or unauthorized Card Transactions.
13.2 Stripe Remedies - General Trigger.
Without limiting Stripe’s other rights and remedies under this Agreement, Stripe may exercise any or all of the remedies stated in Section 13.3 of these Stripe Issuing Accountholder Terms if (a) Stripe reasonably determines that Stripe may incur losses resulting from credit, fraud, criminal activity, or other risks associated with a User Entity after these Stripe Issuing Accountholder Terms terminate; or (b) Law requires.

Qualifications & exceptions

  • The specific triggers do not limit Stripe's other rights or remedies.
  • The general trigger requires Stripe to reasonably determine a risk of loss tied to a User Entity after termination, or a legal requirement.

Not stated here

  • 'Excessive' disputes is not defined with a number.

Account & Service Control · Company practice

Remedies: suspend or end the account and Cards, accelerate debts, refuse or reverse transactions, offboard

If a trigger in Section 13.1 or 13.2 (or another provision that refers to these remedies) occurs, Stripe may suspend or terminate the User's Stripe Issuing Account or any or all Cards, declare amounts the User owes due and payable, refuse to authorize any Card Transactions, reverse any Card Transactions, and terminate the Issuing Accountholder Terms and offboard the User as a Stripe Issuing Accountholder. These rights do not limit Stripe's other rights and remedies. If Stripe suspends the account or a Card, it may require the User to pay amounts owed to Stripe before reactivating the account or that Card.

Supporting quotations

13.3 Stripe Remedies - Scope.
Without limiting Stripe’s other rights and remedies under this Agreement, if a triggering event in Sections 13.1 or 13.2 of these Stripe Issuing Accountholder Terms (or any other provision of this Agreement that refers to these remedies) has occurred, then, Stripe may: (a) suspend or terminate User’s Stripe Issuing Account or any or all Cards; (b) declare any amounts User owes to Stripe due and payable; (c) refuse to authorize any Card Transactions; (d) reverse any Card Transactions; and (e) terminate these Stripe Issuing Accountholder Terms and offboard User as a Stripe Issuing Accountholder.
13.4 Reactivating after Suspension.
If Stripe suspends User’s Stripe Issuing Account or a Card, Stripe may require User to pay amounts User owes to Stripe before reactivating User’s Stripe Issuing Account or that Card.

Qualifications & exceptions

  • The remedies apply once a trigger in Section 13.1 or 13.2, or another provision that refers to them, has occurred.
  • Reactivation may be conditioned on paying amounts owed.

Account & Service Control · User right or choice

You may close your Issuing Account or cancel any Card by notifying Stripe or your Platform Provider

The User may close its Stripe Issuing Account or cancel any Card by notifying Stripe or, if applicable, its Platform Provider.

Supporting quotations

13.6 Closing User’s Stripe Issuing Account.
User may close User’s Stripe Issuing Account or cancel any Card by notifying Stripe (or, if applicable, User’s Platform Provider).

Qualifications & exceptions

  • Notice goes to Stripe or, where applicable, the Platform Provider.

Not stated here

  • These terms do not state what happens to remaining funds on closure beyond the redemption terms elsewhere.

Account & Service Control · Restriction or exception

You and Stripe set up a joint program; offer Issuing only to eligible Connected Accounts for business purposes

The User and Stripe will jointly establish a program through which eligible Connected Accounts may access a Stripe Issuing Program. The User must offer the Stripe Issuing Program only to eligible Connected Accounts and only for their business purposes.

Supporting quotations

2. Overview.
User and Stripe will jointly establish a program through which eligible Connected Accounts may access a Stripe Issuing Program. User must offer the Stripe Issuing Program only to eligible Connected Accounts for their business purposes.

Qualifications & exceptions

  • Eligibility of Connected Accounts and business-purpose use are both limits on the offer.

Not stated here

  • Eligibility criteria are not defined in this section.

Account & Service Control · Procedure

Stripe must approve your use of the Platform Services and each Connected Account; you must supply information on request

Stripe must approve the User's use of the Stripe Issuing Platform Services and, before approving, may require User Information and information about the User's activities and intended use, which may be separate from or in addition to what the User gave for other Services. The User must promptly provide information about its use of the Stripe Issuing Program that Stripe requests from time to time. Stripe must also approve each Connected Account before it can become a Stripe Issuing Accountholder.

Supporting quotations

3. Approvals and Onboarding.
3.1 Approvals.
(a) Platform Approval. Stripe must approve User’s use of the Stripe Issuing Platform Services and prior to granting its approval, Stripe may require User to provide User Information, and information about User’s activities and intended use of the Stripe Issuing Platform Services. This information may be separate from or in addition to information User previously provided to Stripe in connection with other Services. User must promptly provide information related to User’s use of the Stripe Issuing Program that Stripe may request from time to time.
(b) Connected Account Approval. Stripe must approve each Connected Account before it can become a Stripe Issuing Accountholder.

Qualifications & exceptions

  • Approval is required both for the platform and for each Connected Account.

Account & Service Control · Context

Stripe issues Cards directly to accountholders, who are its customers for regulated financial services, not you

Stripe provides the Stripe Issuing Platform Services to the User and the Stripe Issuing Services to Stripe Issuing Accountholders. Stripe issues Cards directly to a Stripe Issuing Accountholder, who gives them to Issuing Authorized Users for business-related purchases and as Stripe otherwise permits. The User acknowledges and agrees that for the Regulated Financial Services, Stripe's customers are the Stripe Issuing Accountholders, and not the User or any Issuing Authorized Users, who act under the accountholder's authority.

Supporting quotations

3.2 Use of the Issuing Platform Services.
Stripe will provide Stripe Issuing Platform Services to User, and Stripe Issuing Services to Stripe Issuing Accountholders. Stripe will issue Cards directly to a Stripe Issuing Accountholder for the Stripe Issuing Accountholder to provide to Issuing Authorized Users for use on business-related purchases and as otherwise permitted by Stripe. User acknowledges and agrees that, in respect of the Regulated Financial Services, Stripe’s customers are the Stripe Issuing Accountholders and not User or any Issuing Authorized Users (who will be acting under the authority of the Stripe Issuing Accountholder).

Qualifications & exceptions

  • The customer relationship statement is made for the Regulated Financial Services.

Account & Service Control · Restriction or exception

Territory: no accountholders domiciled outside the UK and Gibraltar (SPUKL Cards) or the EEA (STEL Cards)

The User must not offer, market or make the Stripe Issuing Program available to Connected Accounts domiciled outside (a) the UK and Gibraltar, for Cards issued by SPUKL (Stripe Payments UK Ltd), or (b) the EEA, for Cards issued by STEL (Stripe Technology Europe, Limited). The User must also ensure that no Stripe Issuing Accountholder is domiciled outside the UK and Gibraltar for SPUKL Cards, or outside the EEA for STEL Cards.

Supporting quotations

3.3 Stripe Issuing Program Territory.
User must not offer, market or make the Stripe Issuing Program available to Connected Accounts domiciled outside of (a) the UK and Gibraltar, for Cards issued by SPUKL; and (b) the EEA, for Cards issued by STEL. User must ensure that no Stripe Issuing Accountholder is domiciled outside of (i) the UK and Gibraltar, for Cards issued by SPUKL; and (ii) the EEA, for Cards issued by STEL.
“SPUKL” means Stripe Payments UK Ltd.
“STEL” means Stripe Technology Europe, Limited.

Qualifications & exceptions

  • The permitted territory depends on which entity issues the Card.

Account & Service Control · Procedure

If you host onboarding: use Stripe's form, present the Accountholder Terms unchanged, keep acceptance records

Either the User or Stripe may host the accountholder onboarding process. If the User hosts it, the User must configure the Stripe API to meet these requirements. Stripe supplies an approved electronic application form that the User must offer to Connected Accounts wishing to use the Accountholder Services; each Connected Account must give information identifying it and its Principal Owners, Stripe Issuing Administrators, Issuing Authorised Users and representatives and other information Stripe asks for, which Stripe may use to verify identity, determine eligibility and confirm it is not engaged in a Prohibited or Restricted Business, and to administer the program, and Stripe then decides whether to approve it. The User must present the Stripe Issuing Accountholder Terms to each Connected Account before it applies, ensure it agrees in the manner the Stripe Issuing Program Guidelines describe, and not modify or supplement those terms without Stripe's prior approval. The User must keep a retrievable, examinable record and description of the interfaces used to collect acceptance, with date and time, give them to Stripe on request, and change an acceptance process Stripe believes does not create a binding agreement between Stripe and the Connected Account.

Supporting quotations

4. Onboarding.
4.1 Stripe Issuing Accountholder Onboarding.
Either User or Stripe may host the Stripe Issuing Accountholder onboarding process.
(a) User Hosted Onboarding. If User hosts onboarding, User must configure the Stripe API to meet the following requirements:
(i) Stripe Issuing Accountholder Application. Stripe will make available to User an approved electronic application form for Stripe Issuing Accountholders. User must make this form available to Connected Accounts that wish to use the Stripe Issuing Accountholder Services. Each Connected Account must provide information identifying it and its Principal Owners, Stripe Issuing Administrators, Issuing Authorised Users and representatives and any other information requested by Stripe. Stripe may use this information to (A) verify the Connected Account’s identity; (B) determine the Connected Account’s eligibility to be a Stripe Issuing Accountholder and confirm it is not engaged in a Prohibited or Restricted Business; and (C) administer the Stripe Issuing Program. After Stripe receives a completed application, Stripe will determine whether the Connected Account is approved as a Stripe Issuing Accountholder.
(ii) Stripe Issuing Accountholder Terms. User must (A) present the Stripe Issuing Accountholder Terms to each Connected Account before that Connected Account submits its accountholder application, and (B) ensure that each Connected Account agrees to the Stripe Issuing Accountholder Terms in the manner the Stripe Issuing Program Guidelines describe. User must not modify or supplement any provision of the Stripe Issuing Accountholder Terms without Stripe’s prior approval.
(iii) Acceptance Records. User must maintain a record and description of the user interfaces used to collect acceptance (including date and time) of the Stripe Issuing Accountholder Terms in a retrievable and examinable format and at Stripe’s request, provide them to Stripe. If Stripe believes that User’s existing acceptance process does not create a binding agreement between Stripe and each Connected Account, upon Stripe’s request, User must modify that process as Stripe requires.

Qualifications & exceptions

  • These duties apply when the User hosts onboarding.
  • Stripe decides approval after receiving a completed application.

Account & Service Control · Procedure

Stripe may change the Accountholder Terms; you must pass on notice and stop serving accountholders who object

Stripe may modify the Stripe Issuing Accountholder Terms at any time and will notify the User. The User must notify its Stripe Issuing Accountholders of the change within the time period in Stripe's modification notice and, if Stripe asks, prove it did so. If an accountholder tells the User it does not agree to the updated terms, the User must stop making the Stripe Issuing Accountholder Services available to that accountholder before the proposed date the updated terms take effect. If Stripe hosts onboarding, the User must integrate with the applicable Stripe API according to the Documentation and the Agreement.

Supporting quotations

(iv) Updates to Stripe Issuing Accountholder Terms. Stripe may modify the Stripe Issuing Accountholder Terms at any time. Stripe will notify User if Stripe modifies the Stripe Issuing Accountholder Terms. User must notify User’s Stripe Issuing Accountholders of the modification within the time period specified by Stripe in the modification notice. At Stripe’s request, User must provide Stripe with proof of such notification. If any Stripe Issuing Accountholder informs User that they do not agree to the updated Stripe Issuing Accountholder Terms, User must stop making the Stripe Issuing Accountholder Services available to that Stripe Issuing Accountholder before the proposed date of entry into force of the updated Stripe Issuing Accountholder Terms.
(b) Stripe-Hosted Onboarding. If Stripe hosts the onboarding process, User must integrate with the applicable Stripe API according to the Documentation and this Agreement.

Qualifications & exceptions

  • The notice period is whatever Stripe's modification notice specifies.
  • An objecting accountholder must be cut off before the updated terms take effect.

Account & Service Control · Company practice

Stripe may use onboarding information to monitor people, and reject or end access for Law, High-Risk Persons or misuse

Stripe may use all information the User gives about a Connected Account to monitor each Stripe Issuing Accountholder's Principal Owners (individuals owning at least 25% of the equity of a legal entity, directly or indirectly), Stripe Issuing Administrators, Issuing Authorized Users, representatives and individuals with significant management responsibility, for the purpose of meeting Stripe's legal obligations. Stripe may reject any Connected Account's application and immediately terminate any accountholder's access to the Stripe Issuing Accountholder Services to comply with Law, or if any of those people becomes or is a High-Risk Person or the program is used for a Card Unauthorized Purpose.

Supporting quotations

4.2 Opening an Account.
Stripe may use all information that User provides to Stripe about a Connected Account to monitor each Stripe Issuing Accountholder’s Principal Owners, Stripe Issuing Administrators, Issuing Authorized Users, representatives, and individuals with significant responsibility for management, including executives and senior managers, for the purpose of meeting Stripe’s obligations under Law. Stripe may reject any Connected Account's application for, and terminate any Stripe Issuing Accountholder’s access to, the Stripe Issuing Accountholder Services immediately to comply with Law or if any Connected Account, Stripe Issuing Accountholder, Principal Owner, Stripe Issuing Administrator, Issuing Authorized User, representative, or individual with significant responsibility for management is or becomes a High-Risk Person or uses the Stripe Issuing Program for a Card Unauthorized Purpose.
“Principal Owner” means, with respect to a legal entity, an individual who directly or indirectly, through any contract, arrangement, understanding, relationship, or otherwise, owns at least 25% of the equity interests of the legal entity.

Qualifications & exceptions

  • Monitoring is for the purpose of meeting Stripe's obligations under Law.
  • Termination is immediate and tied to compliance with Law, High-Risk Person status or a Card Unauthorized Purpose.

Not stated here

  • 'High-Risk Person' is a defined term outside this section and its definition is not in the packet.

Account & Service Control · Procedure

You provide all accountholder and cardholder support per Guidelines, cannot outsource it, and report Complaints monthly

Approved accountholders may designate Issuing Authorized Users to make Card Transactions on their behalf under the Accountholder Terms. The User must provide all support to, and handle all enquiries from, Stripe Issuing Accountholders and Issuing Authorized Users, including about Card usage and lost, damaged or stolen Cards, according to the Stripe Issuing Program Guidelines. Unless Stripe agrees otherwise, the User must not outsource this support to any third party. Monthly, or as Stripe otherwise requests, the User must give Stripe a report of the Issuing Complaints it received and handled in the prior month, as the Guidelines describe.

Supporting quotations

4.3 Issuing Authorized Users.
Approved Stripe Issuing Accountholders may designate Issuing Authorized Users to make Card Transactions on their behalf in accordance with the Stripe Issuing Accountholder Terms.
4.4 Issuing Authorized User Servicing.
User must provide all support to, and handle all enquiries from, Stripe Issuing Accountholders and Issuing Authorized Users, including regarding Card usage, and lost, damaged or stolen Cards. User must provide this support according to the Stripe Issuing Program Guidelines. Unless Stripe agrees otherwise, User must not outsource User’s support obligations to any third party. On a monthly basis or as otherwise requested by Stripe, User must provide to Stripe a report of Issuing Complaints that User received and handled during the prior month, as described in the Stripe Issuing Program Guidelines.

Qualifications & exceptions

  • Outsourcing is barred unless Stripe agrees otherwise.
  • The Complaint report is monthly or as Stripe otherwise requests.

Account & Service Control · Procedure

Card designs need Stripe approval; Stripe ships Cards and replacements at your expense, and risk passes when shipped

The User and its accountholders may request specific Card designs, but the User must submit every design to Stripe for review and approval through Stripe's process. Stripe checks designs against the Agreement, Card Network Rules, Law and Stripe reputational considerations; if it does not approve one it recommends modifications, and the User must resubmit the modified design the same way. The User may order Cards for accountholders through the Stripe Dashboard or API. At the User's expense, Stripe procures and ships Cards based on each order to the address in it, and replacements for Cards reported lost, stolen or damaged. Risk of loss passes to the recipient, the User or the accountholder as applicable, when Stripe ships the Card to the ordered address.

Supporting quotations

6. Cards and Card Orders.
6.1 Card Design.
User and User’s Stripe Issuing Accountholders may request specific Card designs. User must submit all Card designs to Stripe for review and approval using the process Stripe requires. Stripe will review Card design proposals for compliance with this Agreement, the Card Network Rules, Law and Stripe reputational considerations. If Stripe does not approve a proposed Card design, Stripe will recommend modifications that, if made, will meet these requirements. User must resubmit the modified design to Stripe for approval using the same process.
6.2 Card Orders.
User may order Cards on behalf of Stripe Issuing Accountholders through User’s Stripe Dashboard or the Stripe API. At User’s expense, Stripe will procure and ship (a) Cards based on the information contained in each Card order to the address specified in that Card order; and (b) replacements for Cards reported as lost, stolen or damaged. Risk of loss for Cards passes to the recipient (either User or the Stripe Issuing Accountholder, as applicable) when Stripe ships the Card to the address specified in the order.

Qualifications & exceptions

  • Design approval turns on the Agreement, Card Network Rules, Law and Stripe reputational considerations.
  • Card procurement and shipping, including replacements, are at the User's expense.

Account & Service Control · Company practice

Stripe owns each Card; it may demand return, cancel, repossess or restrict Cards, and decline or reverse transactions

Stripe owns each Card. If Stripe asks the User or an accountholder to return a Card, the User must return it, or ensure the accountholder returns it, promptly to Stripe. Stripe may cancel, repossess or restrict the use of Cards at any time and may decline to authorize or reverse any Card Transaction.

Supporting quotations

Stripe owns each Card. If Stripe requests that User or a Stripe Issuing Accountholder return a Card, then User must return, or ensure that the Stripe Issuing Accountholder returns, that Card promptly to Stripe. Stripe may cancel, repossess or restrict the use of Cards at any time, and may decline to authorised or reverse any Card Transaction.

Qualifications & exceptions

  • Stripe's rights to cancel, repossess, restrict, decline or reverse are stated without conditions in this clause.

Account & Service Control · Procedure

Stripe provides balances and monthly statements; you must give accountholders the information and statements promptly

Stripe provides the User, through the Stripe Technology, with the Stripe Issuing Account balances and a statement of Card Transactions for each Stripe Issuing Account in its program, and the User can download monthly statements there. Statements show information identifying each transaction and, where appropriate, the payee; the amount in the currency paid; the charges; where applicable the actual exchange rate; and the date of authorization or posting. The User must make Card Transaction information available to its accountholders on an ongoing basis and, on request, promptly give any statement, account information or balance to that accountholder. The Accountholder Terms contain the terms on spending limits, available spend and payment or repayment.

Supporting quotations

7. Funds and Card Transactions.
7.1 Card Transaction information.
Stripe will, through the Stripe Technology, provide User with the Stripe Issuing Account balances and a statement of Card Transactions for each Stripe Issuing Account on User’s Stripe Issuing Program. User will be able to download monthly Card Transaction statements via the Stripe Technology. The Card Transaction statements will show: (a) information related to each Card Transaction which will enable it to be identified and, where appropriate, information on the payee; (b) the amount of the Card Transaction shown in the currency in which the Card Transaction was paid; (c) the amount of charges for the Card Transaction; (d) where applicable, the actual exchange rate applied to the Card Transaction; and (e) the date on which the Card Transaction is authorized or posted to the relevant Stripe Issuing Account.
User must make Card Transaction information available to User’s Stripe Issuing Accountholders on an ongoing basis and upon request from any Stripe Issuing Accountholder promptly provide any statement of Card Transactions and Stripe Issuing Account information or balances to that Stripe Issuing Accountholder.
7.2 Stripe Issuing Accountholder Spend.
The Stripe Issuing Accountholder Terms contain the terms governing spending limits, available spend, and payment or repayment in connection with the Stripe Issuing Program.

Qualifications & exceptions

  • The User's duty to share statements runs to each of its accountholders, on an ongoing basis and promptly on request.

Account & Service Control · Procedure

Run a compliance program Stripe may assess, and accept that Stripe may message your accountholders directly

The User must establish, maintain and act according to a compliance program that ensures the User and each accountholder comply with Law, the Card Network Rules and the Guidelines, and that the User complies with the Agreement. Stripe may assess the User's compliance with the Guidelines, and the User must promptly provide all information, documentation and assistance Stripe requires for that. As the Guidelines describe, Stripe may send communications directly to the User's Stripe Issuing Accountholders.

Supporting quotations

8.2 Compliance Program.
(a) Requirements. User must establish, maintain, and act according to a compliance program that enables and ensures that (i) User and each Stripe Issuing Accountholder complies with Law, the Card Network Rules, and the Stripe Issuing Program Guidelines; and (ii) User complies with this Agreement. Stripe may assess User’s compliance with the Stripe Issuing Program Guidelines and User must promptly provide all information, documentation, and assistance that Stripe requires to assess User’s compliance.
(b) Customer Communications. As described in the Stripe Issuing Program Guidelines, Stripe may send communications directly to User’s Stripe Issuing Accountholders.

Qualifications & exceptions

  • Direct Stripe communications to accountholders are as the Guidelines describe.

Not stated here

  • The Guidelines are not part of this document.

Account & Service Control · Restriction or exception

Stripe must approve your marketing; unmodified templates are pre-approved; Stripe PSP is named as issuer

Stripe must approve all marketing materials the User wants to use with the Stripe Issuing Services. Stripe may provide template materials the User may use without further approval as long as they are not materially modified. The User must submit all proposed marketing materials through a process Stripe communicates. Any marketing materials for the services must clearly identify Stripe PSP as the card issuer.

Supporting quotations

8.3 Marketing.
Stripe must approve all marketing materials that User wishes to use in connection with the Stripe Issuing Services. Stripe may provide template marketing materials to User, which User may use without further Stripe approval as long as the template marketing materials are not materially modified. User must submit all proposed marketing materials to Stripe using a process Stripe communicates to User. Any marketing materials for use in connection with the Stripe Issuing Services must clearly identify Stripe PSP as the card issuer.

Qualifications & exceptions

  • Templates are pre-approved only if not materially modified.

Account & Service Control · Procedure

Give accountholders the Disputes API Form or a channel, send disputes to Stripe at once, and never block disputes

Stripe makes the Disputes API Form available to the User. The User must either configure the Stripe API to offer the form to its accountholders or provide a channel through which they can submit disputes to the User, and must immediately submit any disputes it receives to Stripe through the Stripe API or Dashboard. The User must not interfere with any accountholder's ability to dispute a Card Transaction.

Supporting quotations

Stripe will make the Disputes API Form available to User. User must either: (a) configure the Stripe API to make the Disputes API Form available to User’s Stripe Issuing Accountholders; or (b) provide a channel through which Stripe Issuing Accountholders can submit disputes to User. User must immediately submit any disputes User receives to Stripe through the Stripe API or the Stripe Dashboard.
User must not interfere with any Stripe Issuing Accountholder’s ability to dispute a Card Transaction.

Qualifications & exceptions

  • The User chooses between the form and its own channel but must forward disputes immediately either way.

Account & Service Control · Context

Stripe manages the Issuing Programs as each bank's program manager; the Issuing Banks issue Cards and accounts

The Issuing Banks provide, and Stripe manages, the Stripe Issuing Programs. As each Issuing Bank's program manager, Stripe processes applications for Stripe Issuing Accounts, performs onboarding, services accounts, sends communications, provides disclosures and provides account information. Each Issuing Bank issues Cards and Stripe Issuing Accounts under the applicable Issuing Bank Terms.

Supporting quotations

2. Structure of Stripe Issuing Programs.
2.1 Stripe as Program Manager.
The Issuing Banks provide, and Stripe manages, the Stripe Issuing Programs. Stripe, as each Issuing Bank’s program manager, performs certain activities in connection with the Stripe Issuing Programs, including processing applications for Stripe Issuing Accounts and performing onboarding services, servicing Stripe Issuing Accounts, sending communications, providing disclosures, and providing Stripe Issuing Account information. Each Issuing Bank issues Cards and Stripe Issuing Accounts under the applicable Issuing Bank Terms.

Account & Service Control · Procedure

Do not use the services until Stripe and the Issuing Bank approve; provide User Information whenever requested

The User must not use the Accountholder Services until Stripe and the applicable Issuing Bank approve its application. As a condition of approval, Stripe or the bank may require User Information and information about the User's activities and intended use, in addition to what the User gave for other Services. The User must provide all User Information and other information Stripe or the bank requests from time to time. If both approve, Stripe gives the User access to a Stripe Issuing Account and the User may participate in the program.

Supporting quotations

2.2 Approval and Providing Information.
(a) User must not use the Stripe Issuing Accountholder Services until Stripe and the applicable Issuing Bank approve User’s application. As a condition of its approval, Stripe or the Issuing Bank may require User to provide User Information and information about User’s activities and intended use of the Stripe Issuing Accountholder Services. This information may be in addition to information User may have previously provided to Stripe in connection with other Services. User must provide all User Information and all other information as Stripe or the applicable Issuing Bank requests from time to time.
(b) If Stripe and the applicable Issuing Bank approve User’s application, Stripe will provide User with access to a Stripe Issuing Account, and User may participate in the Stripe Issuing Program.

Qualifications & exceptions

  • Approval by both Stripe and the Issuing Bank is required before use.

Account & Service Control · Restriction or exception

You may appoint a Stripe Issuing Administrator but remain responsible for its acts and omissions

The User may appoint a Stripe Issuing Administrator to administer the program on its behalf, for example managing how Issuing Authorized Users use Cards. The User must ensure the Administrator complies with the Agreement and the Issuing Bank Terms and is responsible for its acts and omissions in connection with the program. The Issuing Bank Terms describe the relationship between the User and an Issuing Authorized User.

Supporting quotations

2.3 Appointment of Stripe Issuing Administrator.
User may appoint a Stripe Issuing Administrator to administer the Stripe Issuing Program on User’s behalf (e.g., managing how Issuing Authorized Users use Cards). User must ensure that the Stripe Issuing Administrator complies with this Agreement and the applicable Issuing Bank Terms. User is responsible for the Stripe Issuing Administrator’s acts and omissions in connection with the Stripe Issuing Program.
2.4 Relationship with Issuing Authorized Users.
The applicable Issuing Bank Terms describe the relationship between User and an Issuing Authorized User.

Qualifications & exceptions

  • The User answers for the Administrator's acts and omissions.

Account & Service Control · Procedure

Send each Issuing Complaint to your platform or Stripe within 3 business days; Stripe or your platform answers inquiries

The User must submit each Issuing Complaint it receives to its Platform Provider or, if it has none, to issuing-support@stripe.com within 3 business days after receiving it. Stripe, or the User's Platform Provider if applicable, manages all of the User's inquiries about the Accountholder Services, including Card use and lost, damaged or stolen Cards.

Supporting quotations

2.5 Issuing Complaint Handling.
User must submit each Issuing Complaint User receives to User’s Platform Provider or, if User does not have one, to issuing-support@stripe.com within 3 business days after User receives the Issuing Complaint.
2.6 Inquiries.
Stripe (or, if applicable, User’s Platform Provider) will manage all inquiries from User regarding the Stripe Issuing Accountholder Services, including inquiries related to the use of Cards, and lost, damaged, or stolen Cards.

Qualifications & exceptions

  • The 3-business-day period runs from the User's receipt of the Complaint.

Account & Service Control · Procedure

Card designs need Stripe approval; Cards and replacements ship at your expense and risk passes on shipment

The User may request specific Card designs for Cards issued to it or to Issuing Authorized Users, and must submit each proposed design to Stripe for review and approval through Stripe's process. Stripe reviews designs for compliance with the Agreement, Issuing Bank requirements, Card Network Rules, Law and Stripe reputational considerations, recommends changes if it does not approve, and the User must resubmit modified designs the same way. The User may order Cards through its Stripe Dashboard or Platform Provider. At the expense of the User or its Platform Provider, Stripe procures and ships Cards to the ordered address and replacements for Cards reported lost, stolen or damaged, and risk of loss passes to the recipient when Stripe ships.

Supporting quotations

3. Cards.
3.1 Card Designs.
User may request specific Card designs for Cards issued to User or to Issuing Authorized Users. User must provide all proposed Card designs to Stripe for review and approval using the process Stripe requires. Stripe will review Card design proposals for compliance with this Agreement, Issuing Bank requirements, the Card Network Rules, Law, and Stripe reputational considerations. If Stripe does not approve a proposed Card design, Stripe will recommend modifications that, if made, will meet these requirements. User must resubmit the modified Card design to Stripe for approval using the same process.
3.2 Card Orders.
User may order Cards through User’s Stripe Dashboard (or, if applicable, through User’s Platform Provider). At User’s, or, if applicable, User’s Platform Provider’s, expense, Stripe will procure and ship (a) Cards based on the information contained in the applicable Card order to the address specified in that Card order; and (b) replacements for Cards reported as lost, stolen or damaged. Risk of loss for Cards passes to the recipient (either User or User’s Platform Provider, as applicable) when Stripe ships the Card to the address specified in the order.

Qualifications & exceptions

  • Costs fall on the User or, if applicable, its Platform Provider.

Account & Service Control · Company practice

The Issuing Bank owns each Card; you must return Cards on request, and Stripe or the bank may cancel or restrict them

The applicable Issuing Bank owns each Card. If Stripe asks the User or an Issuing Authorized User to return a Card, it must be returned promptly to Stripe or the Issuing Bank as Stripe instructs. Stripe or the Issuing Bank may cancel, repossess or restrict the use of Cards at any time according to the Issuing Bank Terms.

Supporting quotations

The applicable Issuing Bank owns each Card. If Stripe requests that User or an Issuing Authorized User return a Card, then User must return, or ensure that the Issuing Authorized User returns, that Card promptly to Stripe or the Issuing Bank as Stripe instructs. Stripe or the applicable Issuing Bank may cancel, repossess or restrict the use of Cards at any time according to the applicable Issuing Bank Terms.

Qualifications & exceptions

  • The rights to cancel, repossess or restrict operate according to the Issuing Bank Terms.

Not stated here

  • The Issuing Bank Terms are not supplied here.

Account & Service Control · Company practice

You may add Card restrictions; Stripe may limit Card use when a transaction exceeds Available Spend and is not paid

In addition to the restrictions in the Issuing Bank Terms, the User may set further restrictions on its Stripe Issuing Account and Cards in accordance with those terms, for example on the amount of individual Card Transactions and the types of merchants where Cards may be used. The Issuing Bank and Stripe may each prevent Cards from working outside the Territory. The User must communicate all applicable restrictions to its Issuing Authorized Users. If a Card Transaction exceeds Available Spend and the Issuing Bank, or Stripe for it, does not receive payment from another Payment Source, then in addition to the remedies in Section 7.2 Stripe may limit the ability of the User and its Issuing Authorized Users to make Card Transactions.

Supporting quotations

3.6 Limits and Available Spend.
In addition to the restrictions described in the applicable Issuing Bank Terms, User may establish additional restrictions related to User’s Stripe Issuing Account and Cards in accordance with the Issuing Bank Terms (e.g., on the dollar amount of individual Card Transactions, and the types of merchants with which User’s Cards may be used). Each of the Issuing Bank and Stripe may prevent Cards from functioning outside of the Territory. User must communicate all applicable restrictions to User’s Issuing Authorized Users. If at any time the amount of a Card Transaction exceeds Available Spend and the Issuing Bank (or Stripe on Issuing Bank’s behalf) does not receive payment from another Payment Source, then, in addition to all other remedies described in Section 7.2 of these Stripe Issuing Accountholder Terms, Stripe may limit User’s and User’s Issuing Authorized Users ability to make Card Transactions.

Qualifications & exceptions

  • Stripe's limit on Card Transactions applies where a transaction exceeds Available Spend and no other Payment Source pays.

Not stated here

  • 'Available Spend', 'Payment Source' and 'Territory' are defined elsewhere and not in this packet.
  • Section 7.2 is cited but is in a later part of these terms.

Account & Service Control · Company practice

You are in default on breach, nonpayment, over-limit use, inaccurate information or unacceptable risk

The User is in default if (a) it violates Law or breaches the Accountholder Terms, the Issuing Bank Terms or the Card Network Rules; (b) it fails to pay amounts owed to Stripe or the Issuing Bank for the program; (c) it starts a Card Transaction that would exceed or violate a limit set for its use of the program; (d) Stripe or the bank determines it gave inaccurate application information or failed to keep it current; or (e) Stripe or the bank determines it poses an unacceptable regulatory, reputational or financial risk.

Supporting quotations

5. Default; Termination.
5.1 Default.
User is in default under these Stripe Issuing Accountholder Terms if (a) User violates Law, or breach these Stripe Issuing Accountholder Terms, the Issuing Bank Terms, or the Card Network Rules; (b) User fails to pay any amounts User owes to Stripe or the applicable Issuing Bank in connection with the Stripe Issuing Program; (c) User initiates a Card Transaction that would exceed or violate a limit established for User’s use of the Stripe Issuing Program; (d) Stripe or the applicable Issuing Bank determines that User provided inaccurate information in User’s application, or that User has failed to keep this information current; or (e) Stripe or the applicable Issuing Bank determines that User poses an unacceptable regulatory, reputational or financial risk.

Qualifications & exceptions

  • Limits (d) and (e) turn on a determination by Stripe or the Issuing Bank.

Not stated here

  • 'Unacceptable' risk is not defined by any threshold.

Account & Service Control · Company practice

On default Stripe may suspend, terminate, accelerate debts and reverse transactions; payment may precede reactivation

If the User is in default, Stripe may (a) suspend or terminate the Stripe Issuing Account or any or all Cards; (b) declare amounts owed to Stripe or the Issuing Bank immediately due and payable; (c) refuse to authorize Card Transactions; (d) reverse Card Transactions; (e) terminate the Accountholder Terms; and (f) take any other action Stripe deems necessary. Stripe may also suspend or terminate the account or any Cards if the Issuing Bank directs it to. If Stripe suspends the account or a Card, it may require the User to pay amounts owed to Stripe or the bank before reactivating it.

Supporting quotations

5.2 Stripe’s Right to Suspend or Terminate.
If User is in default under these Stripe Issuing Accountholder Terms, Stripe may (a) suspend or terminate User’s Stripe Issuing Account or any or all Cards; (b) declare any amounts User owes to Stripe or the applicable Issuing Bank immediately due and payable; (c) refuse to authorize any Card Transactions; (d) reverse any Card Transactions; (e) terminate these Stripe Issuing Accountholder Terms; and (f) take any other action Stripe deems necessary. In addition, Stripe may suspend or terminate User’s Stripe Issuing Account or any Cards if the applicable Issuing Bank directs Stripe to do so.
5.3 Reactivating after Suspension.
If Stripe suspends User’s Stripe Issuing Account or a Card, Stripe may require User to pay amounts User owes to Stripe or the Issuing Bank before reactivating User’s Stripe Issuing Account or that Card.

Qualifications & exceptions

  • Stripe may act on its own default finding or on the Issuing Bank's direction.
  • Reactivation may depend on payment of amounts owed.

Account & Service Control · Company practice

Stripe may use its remedies on any of fourteen triggers, from overspend and disputes to insolvency and Change of Control

Stripe may exercise the remedies in Section 7.3 if it determines a User Entity (a) exceeded limits on Available Spend; (b) had excessive Card Transaction disputes or unauthorized Card Transactions; (c) is or is likely to become subject to an Insolvency Event; (d) has a negative Stripe Account Balance or owes liability to Stripe or its Affiliates; (e) has or is likely to have a deterioration in business or financial condition Stripe considers material; (f) breached or is likely to breach, or caused or is likely to cause Stripe to breach, the Agreement, any other Stripe services agreement or the Financial Provider Terms; (g) violated or is likely to violate Law or Financial Provider Terms; (h) caused or is likely to cause Stripe to violate Law or Financial Provider Terms; (i) had or is likely to have a Change of Control; (j) changed its business model without Stripe's prior consent, exposing Stripe to increased risk; (k) acted or did business in a way that presents an unacceptable risk; (l) must indemnify Stripe under the Agreement; (m) had its Stripe Issuing Account suspended or terminated; or (n) failed to comply with the Issuing Bank Terms on securing Cards and Personal Data. These rights do not limit Stripe's other rights or remedies.

Supporting quotations

7.1 Stripe Remedies - Specific Triggers.
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe may exercise any one or more of the remedies stated in Section 7.3 of these Stripe Issuing Accountholder Terms if Stripe determines that a User Entity:
(a) has exceeded limits on Available Spend;
(b) has experienced excessive Card Transaction disputes or unauthorized Card Transactions;
(c) is or is likely to become the subject of an Insolvency Event;
(d) has a negative Stripe Account Balance, or owe liability to Stripe or any of its Affiliates;
(e) has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material;
(f) has breached or is likely to breach, or has caused or is likely to cause Stripe to breach, this Agreement (or any other Stripe services agreement with a Stripe Entity) or the Financial Provider Terms applicable to the User Entity’s use of the Services;
(g) has violated or is likely to violate Law or Financial Provider Terms;
(h) has caused or is likely to cause Stripe to violate Law or Financial Provider Terms;
(i) has experienced or is likely to experience a Change of Control;
(j) has, without Stripe’s prior consent, changed its business model (including services supplied by a User Entity to its customers), exposing Stripe to increased risk;
(k) has acted in a manner or engaged in business, trading practice, or other activity that presents an unacceptable risk;
(l) is required to indemnify Stripe under this Agreement;
(m) has experienced a suspension or termination of its Stripe Issuing Account; or
(n) fails to comply with the applicable Issuing Bank Terms related to securing Cards and Personal Data.

Qualifications & exceptions

  • Many triggers apply where the event is 'likely', not only where it has happened.
  • The triggers turn on Stripe's determination, and the list does not limit Stripe's other rights or remedies.

Not stated here

  • 'Excessive' disputes, 'material' deterioration and 'unacceptable risk' have no numeric threshold.

Account & Service Control · Company practice

Stripe may also use its remedies for post-termination loss risk linked to a User Entity or where Law requires

Stripe may exercise the Section 7.3 remedies if (a) it reasonably determines it may incur losses from credit, fraud, criminal activity or other risks associated with a User Entity after the Accountholder Terms terminate, or (b) Law requires. These rights do not limit Stripe's other rights or remedies.

Supporting quotations

7.2 Stripe Remedies - General Trigger.
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe may exercise any or all of the remedies stated in Section 7.3 of these Stripe Issuing Accountholder Terms if (a) Stripe reasonably determines that Stripe may incur losses resulting from credit, fraud, criminal activity, or other risks associated with a User Entity after these Stripe Issuing Accountholder Terms terminate; or (b) Law requires.

Qualifications & exceptions

  • The loss-risk limb requires Stripe to reasonably determine a risk linked to a User Entity after termination.

Account & Service Control · Company practice

Remedies once triggered: a Reserve, suspended Card use, or a guarantee or letter of credit (list continues)

If a trigger in Section 7.1 or 7.2, or in another provision that refers to these remedies, occurs, Stripe may (a) establish, fund and use a Reserve; (b) suspend or terminate the ability of the User and its Authorized Users to make Card Transactions; and (c) require the User to provide a guarantee, including a personal, parent or bank guarantee, or a letter of credit in a form and substance satisfactory to Stripe. The list continues in the next packet. These rights do not limit Stripe's other rights or remedies.

Supporting quotations

7.3 Stripe Remedies - Scope.
Without limiting Stripe’s other rights or remedies under this Agreement, if a triggering event in Sections 7.1 or 7.2 of these Stripe Issuing Accountholder Terms (or any other provision of this Agreement that refers to these remedies) has occurred, then Stripe may:
(a) establish, fund, and use a Reserve;
(b) suspend or terminate User and User’s Authorized User’s ability to make Card Transactions;
(c) require User to provide a guarantee (including a personal, parent, or bank guarantee) or letter of credit in a form and substance that satisfies Stripe;

Qualifications & exceptions

  • The remedies are cumulative with Stripe's other rights and remedies.

Not stated here

  • 'Reserve' is a defined term outside this packet.
  • The remedy list continues in the next packet.

Account & Service Control · Restriction or exception

You and Stripe set up a joint program with Issuing Banks; offer it only to eligible Connected Accounts for business use

The User and Stripe will jointly establish a program through which eligible Connected Accounts may access a Stripe Issuing Program. Stripe offers several programs in partnership with several Issuing Banks, and the User can see the program offered to its Connected Accounts in its Stripe Dashboard. The User must offer the program only to eligible Connected Accounts for their business purposes.

Supporting quotations

2. Overview.
2.1 Program.
User and Stripe will jointly establish a program through which eligible Connected Accounts may access a Stripe Issuing Program. Stripe offers several Stripe Issuing Programs in partnership with several Issuing Banks, and User can view the Stripe Issuing Program offered to User’s Connected Accounts through User’s Stripe Dashboard. User must offer the Stripe Issuing Program only to eligible Connected Accounts for their business purposes.

Qualifications & exceptions

  • The offer is limited to eligible Connected Accounts and business purposes.

Not stated here

  • Eligibility criteria are not stated in this section.

Account & Service Control · Procedure

Stripe and the Issuing Bank must both approve you and each Connected Account; supply information on request

Stripe and the applicable Issuing Bank must each approve the User's use of the Stripe Issuing Platform Services and, before approving, may require User Information and information about the User's activities and intended use, which may be separate from or additional to what the User gave for other Services. The User must promptly provide that information and any other information about its use of the program that Stripe or the bank requests from time to time. Stripe and the Issuing Bank must also approve each Connected Account before it can become a Stripe Issuing Accountholder.

Supporting quotations

3. Approvals and Onboarding.
3.1 Approvals.
(a) Platform Approval. Stripe and the applicable Issuing Bank must each approve User’s use of the Stripe Issuing Platform Services, and prior to granting their approval, they may require User to provide User Information and information about User’s activities and intended use of the Stripe Issuing Platform Services. This information may be separate from or in addition to information User previously provided to Stripe in connection with other Services. User must promptly provide this information, and any other information related to User’s use of the Stripe Issuing Program that Stripe or the applicable Issuing Bank may request from time to time.
(b) Connected Account Approval. Stripe and the applicable Issuing Bank must approve each Connected Account before it can become a Stripe Issuing Accountholder.

Qualifications & exceptions

  • Both Stripe and the Issuing Bank must approve the platform and each Connected Account.

Account & Service Control · Procedure

Either party may host onboarding, some programs require you to; if you host, use Stripe's application form

Either the User or Stripe may host the accountholder onboarding process, and certain programs may require the User to host it. If the User hosts, it must configure the Stripe API to meet these requirements. Stripe makes available an approved electronic application form that the User must offer to Connected Accounts wishing to use the Accountholder Services. Each Connected Account must submit all information Stripe and the Issuing Bank need to verify its identity, confirm it is not engaged in a Prohibited or Restricted Business, and confirm its eligibility. After a completed application, Stripe, on behalf of the Issuing Bank, decides whether to approve it as an accountholder.

Supporting quotations

3.2 Stripe Issuing Accountholder Onboarding.
Either User or Stripe may host the Stripe Issuing Accountholder onboarding process. Certain Stripe Issuing Programs may require User to host onboarding.
(a) User-Hosted Onboarding. If User hosts onboarding, User must configure the Stripe API to meet the following requirements:
(i) Stripe Issuing Accountholder Application. Stripe will make available to User an approved electronic application form for Stripe Issuing Accountholders. User must make this form available to Connected Accounts that wish to use the Stripe Issuing Accountholder Services. Each Connected Account must submit in its application all information necessary for Stripe and the Issuing Bank to (A) verify the Connected Account’s identity; (B) confirm that the Connected Account is not engaged in a Prohibited or Restricted Business; and (C) confirm the Connected Account’s eligibility to use the Stripe Issuing Accountholder Services. After Stripe receives a completed application, Stripe, on behalf of the applicable Issuing Bank, will determine whether the Connected Account is approved as a Stripe Issuing Accountholder.

Qualifications & exceptions

  • These requirements apply when the User hosts onboarding.
  • Stripe decides approval on behalf of the Issuing Bank.

Account & Service Control · Procedure

Present the Card Program and Issuing Bank Terms before applications, and keep retrievable acceptance records

The User must present the agreements the Documentation describes, including the Card Program Terms and the applicable Issuing Bank Terms, to each Connected Account before it submits its accountholder application, and must ensure each Connected Account agrees to them, in each case in the manner the Stripe Issuing Program Guidelines describe. The User must keep a retrievable, examinable record and description of the interfaces it uses to collect acceptance of the relevant Stripe and Issuing Bank terms, with date and time, give them to Stripe on request, and change an acceptance process Stripe believes does not create a binding agreement with Stripe and the Issuing Bank or does not meet the bank's requirements.

Supporting quotations

(ii) Presentation of Terms. User must (A) present the agreements described in the Documentation, including the Card Program Terms and the applicable Issuing Bank Terms to each Connected Account before that Connected Account submits its accountholder application; and (B) ensure that each Connected Account agrees to these terms, in each case in the manner the Stripe Issuing Program Guidelines describe.
(iii) Acceptance Records. User must maintain a record and description of the user interfaces that User uses to collect acceptance of the relevant Stripe terms and Issuing Bank terms (including date and time) in a retrievable and examinable format, and at Stripe’s request, provide them to Stripe. If Stripe believes that User’s existing acceptance process does not (A) create a binding agreement between each Connected Account and each of Stripe and the Issuing Bank; or (B) comply with the applicable Issuing Bank’s requirements, then, upon Stripe’s request, User must modify that process as Stripe or the Issuing Bank requires.

Qualifications & exceptions

  • Acceptance must be collected before the accountholder application is submitted.

Not stated here

  • The Card Program Terms and the Guidelines are not part of this document.

Account & Service Control · Restriction or exception

Never modify any Stripe or Issuing Bank terms; if Stripe hosts onboarding, integrate with its API per the Documentation

The User must not modify or supplement any provision of any Stripe terms, including the Accountholder Terms and Issuing Authorized User Terms, or the Issuing Bank Terms. If Stripe hosts the onboarding process, the User must integrate with the applicable Stripe API according to the Documentation and the Agreement.

Supporting quotations

(vi) No User Modifications. User must not modify or supplement any provision of any Stripe terms, including the Stripe Issuing Accountholder Terms and Issuing Authorized User Terms, or the Issuing Bank Terms.
(b) Stripe-Hosted Onboarding. If Stripe hosts the onboarding process, User must integrate with the applicable Stripe API according to the Documentation and this Agreement.

Qualifications & exceptions

  • The ban on modification reaches Stripe terms and Issuing Bank Terms alike.

Account & Service Control · Procedure

You provide account management via the API and must pass Stripe's information on to accountholders unaltered

The User must provide account management services for accountholders, including access through the Stripe API to the Accountholder Services described in the Accountholder Terms, such as Card creation, Issuing Authorized User designation and account management. Stripe makes information, including Personal Data, available for the User to pass to accountholders. The User must not alter or delete this information and must pass all of it to the accountholders.

Supporting quotations

3.3 Stripe Issuing Account Management.
User must provide account management services for Stripe Issuing Accountholders. User must provide Stripe Issuing Accountholders access through the Stripe API to the Stripe Issuing Accountholder Services described in the Stripe Issuing Accountholder Terms, including Card creation, Issuing Authorized User designation and account management services. Stripe will make information, including Personal Data, available for User to pass to Stripe Issuing Accountholders. User must not alter or delete this information, and User must pass all of this information to the Stripe Issuing Accountholders.

Qualifications & exceptions

  • The User may not alter or delete the information Stripe supplies for accountholders.

Account & Service Control · Restriction or exception

Do not offer the program to Connected Accounts, or keep accountholders, outside the Territory

The User must not offer, market or make the Stripe Issuing Program available to Connected Accounts outside the Territory, and must ensure no Stripe Issuing Accountholder is domiciled outside the Territory.

Supporting quotations

3.4 Stripe Issuing Program Territory.
User must not offer, market or make the Stripe Issuing Program available to Connected Accounts outside of the Territory. User must ensure that no Stripe Issuing Accountholder is domiciled outside of the Territory.

Qualifications & exceptions

  • The limit is on both offering to Connected Accounts and on accountholders' domicile.

Not stated here

  • 'Territory' is defined elsewhere and is not stated in this packet.

Account & Service Control · Procedure

Stripe and Issuing Banks may change their terms; pass notice on promptly and stop serving accountholders who object

Stripe may modify the Accountholder Terms, and each Issuing Bank may modify the applicable Issuing Bank Terms, at any time. Stripe will notify the User of a modification as applicable to its program. The User must notify its accountholders promptly after receiving the notice from Stripe. If any accountholder does not agree to the updated terms, the User must immediately stop making the Accountholder Services available to that accountholder.

Supporting quotations

4. Stripe Issuing Accountholder Terms and Stripe Issuing Accountholder Fees.
4.1 Updates to Stripe Issuing Accountholder Terms.
Stripe may modify the Stripe Issuing Accountholder Terms, and each Issuing Bank may modify the applicable Issuing Bank Terms, at any time. Stripe will notify User if Stripe modifies the Stripe Issuing Accountholder Terms or an Issuing Bank modifies the Issuing Bank Terms, in each case as applicable to User’s Stripe Issuing Program. User must notify User’s Stripe Issuing Accountholders of a modification promptly after User receives the modification notice from Stripe. If any Stripe Issuing Accountholder does not agree to the updated Stripe Issuing Accountholder Terms or Issuing Bank Terms, User must immediately stop making the Stripe Issuing Accountholder Services available to that Stripe Issuing Accountholder.

Qualifications & exceptions

  • The User must act promptly after Stripe's notice and stop service at once for an accountholder who does not agree.

Account & Service Control · Procedure

Card designs need Stripe review; Cards ship at your expense and risk passes when shipped

The User and its accountholders may request specific Card designs, and the User must submit all designs to Stripe for review through Stripe's process. Stripe checks designs against the Agreement, Issuing Bank requirements, Card Network Rules, Law and Stripe reputational considerations, recommends modifications if it does not approve, and the User must resubmit modified designs the same way. The User may order Cards for accountholders through the Stripe Dashboard or API. At the User's expense, Stripe procures and ships Cards to the ordered address and replacements for Cards reported lost, stolen or damaged. Risk of loss passes to the recipient, the User or the accountholder as applicable, when Stripe ships the Card.

Supporting quotations

6. Cards; Card Orders.
6.1 Card Design.
User and User’s Stripe Issuing Accountholders may request specific Card designs. User must submit all Card designs to Stripe for review using the process Stripe requires. Stripe will review Card design proposals for compliance with this Agreement, Issuing Bank requirements, the Card Network Rules, Law, and Stripe reputational considerations. If Stripe does not approve a proposed Card design, Stripe will recommend modifications that, if made, will meet these requirements. User must resubmit the modified design to Stripe for approval using the same process.
6.2 Card Orders.
User may order Cards on behalf of Stripe Issuing Accountholders through User’s Stripe Dashboard or the Stripe API. At User’s expense, Stripe will procure and ship (a) Cards based on the information contained in each Card order to the address specified in that Card order; and (b) replacements for Cards reported as lost, stolen or damaged. Risk of loss for Cards passes to the recipient (either User or the Stripe Issuing Accountholder, as applicable) when Stripe ships the Card to the address specified in the order.

Qualifications & exceptions

  • Procurement and shipping, including replacements, are at the User's expense.

Account & Service Control · Company practice

The Issuing Bank owns each Card; Stripe or the bank may recall, cancel, restrict, decline or reverse

The applicable Issuing Bank owns each Card. If Stripe asks the User or an accountholder to return a Card, it must be returned promptly to Stripe or the Issuing Bank as Stripe instructs. Stripe or the Issuing Bank may cancel, repossess or restrict the use of Cards at any time, and may decline to authorize or reverse any Card Transaction, according to the Issuing Bank Terms.

Supporting quotations

6.3 Card Ownership; Limitations.
The applicable Issuing Bank owns each Card. If Stripe requests that User or a Stripe Issuing Accountholder return a Card, then User must return, or ensure that the Stripe Issuing Accountholder returns, that Card promptly to Stripe or the applicable Issuing Bank as Stripe instructs. Stripe or the applicable Issuing Bank may cancel, repossess or restrict the use of Cards at any time, and may decline to authorize or reverse any Card Transaction, according to the applicable Issuing Bank Terms.

Qualifications & exceptions

  • These rights operate according to the Issuing Bank Terms.

Not stated here

  • The Issuing Bank Terms are not supplied here.

Account & Service Control · Company practice

Stripe and the bank may use Connected Account information to vet and monitor people, and reject or end access

Stripe and the Issuing Bank may use all information the User gives about a Connected Account to (a) decide its eligibility to be an accountholder, (b) administer the programs, and (c) monitor each accountholder's Principal Owners (individuals owning at least 25% of the equity of a legal entity, directly or indirectly), Stripe Issuing Administrators, Issuing Authorized Users, representatives and individuals with significant management responsibility, to meet their obligations under Law. Stripe or an Issuing Bank may reject any Connected Account's application, or terminate any accountholder's access to the Accountholder Services, immediately to comply with Law, to manage risk associated with any User, or if any of those people is or becomes a High-Risk Person.

Supporting quotations

7. Use of Stripe Issuing Services.
7.1 Opening an Account.
Stripe and the Issuing Bank may use all information that User provides to Stripe about a Connected Account to (a) determine the Connected Account’s eligibility to be a Stripe Issuing Accountholder; (b) administer the Stripe Issuing Programs; and (c) monitor each Stripe Issuing Accountholder’s Principal Owners, Stripe Issuing Administrators, Issuing Authorized Users, representatives, and individuals with significant responsibility for management, including executives and senior managers, for the purpose of meeting Stripe’s and the applicable Issuing Bank’s respective obligations under Law. Stripe or an Issuing Bank may reject any Connected Account’s application for, or terminate any Stripe Issuing Accountholder’s access to, the Stripe Issuing Accountholder Services immediately to comply with Law, manage risk associated with any User, or if any Connected Account, Stripe Issuing Accountholder, or any Principal Owner, Stripe Issuing Administrator, Issuing Authorized User, representative, or individual with significant responsibility for management is or becomes a High-Risk Person.
“Principal Owner” means, with respect to a legal entity, an individual who directly or indirectly, through any contract, arrangement, understanding, relationship, or otherwise, owns at least 25% of the equity interests of the legal entity.

Qualifications & exceptions

  • Monitoring is to meet Stripe's and the Issuing Bank's obligations under Law.
  • Termination is immediate and may rest on Law, risk associated with any User, or High-Risk Person status.

Not stated here

  • 'High-Risk Person' is defined outside this packet.

Account & Service Control · Procedure

You provide all accountholder and cardholder support per Guidelines, cannot outsource, and report Complaints monthly

The User must provide all support to, and handle all inquiries and Issuing Complaints from, accountholders and Issuing Authorized Users, including about Card usage and lost, damaged or stolen Cards, according to the Stripe Issuing Program Guidelines. Unless Stripe agrees otherwise, the User must not outsource this support to any third party. Monthly, the User must give Stripe a report of the Issuing Complaints it received and handled in the prior month, as the Guidelines describe, and at an Issuing Bank's request Stripe may require an anonymized sample of Complaints to validate the report.

Supporting quotations

7.2 Issuing Authorized User Servicing.
User must provide all support to, and handle all inquiries and Issuing Complaints from, Stripe Issuing Accountholders and Issuing Authorized Users, including regarding Card usage, and lost, damaged or stolen Cards. User must provide this support according to the Stripe Issuing Program Guidelines. Unless Stripe agrees otherwise, User must not outsource User’s support obligations to any third party. On a monthly basis, User must provide to Stripe a report of Issuing Complaints that User received and handled during the prior month as described in the Stripe Issuing Program Guidelines. At an Issuing Bank’s request, Stripe may require User to provide an anonymized sample of Issuing Complaints, if any, to validate the report.

Qualifications & exceptions

  • Outsourcing is barred unless Stripe agrees otherwise.
  • A sample of Complaints may be required at an Issuing Bank's request.

Not stated here

  • The Guidelines are not part of this document.

Account & Service Control · Company practice

Stripe and SPC manage bank relationships and may change banks; you must implement required service changes

As between the parties, Stripe, directly or through its Affiliate SPC, is responsible for all aspects of establishing and managing its relationships with Issuing Banks. Stripe and SPC rely on the applicable Issuing Bank to enable the Issuing Services. Stripe may add or remove Issuing Banks at any time and will notify the User in advance of a bank change that will affect the services. If Stripe or an Issuing Bank requires a change to all or part of the Issuing Services, the User must implement it promptly and as directed, comply with it, and ensure each accountholder implements and complies with it.

Supporting quotations

8. Issuing Banks.
8.1 Relationships with Issuing Banks.
As between the parties, Stripe, either directly or through its Affiliate, SPC, is responsible for all aspects of establishing and managing its relationships with Issuing Banks. Stripe and SPC rely on the applicable Issuing Bank to enable Stripe and SPC to provide the Stripe Issuing Services. Stripe may add or remove Issuing Banks at any time. Stripe will notify User in advance of an Issuing Bank change that will affect the Stripe Issuing Services.
8.2 Changes to the Stripe Issuing Services.
If Stripe or an Issuing Bank requires a change to all or part of the Stripe Issuing Services, User must implement that change promptly and as Stripe or the Issuing Bank directs. User must comply with, and User must ensure that each Stripe Issuing Accountholder implements and complies with, the change.

Qualifications & exceptions

  • Advance notice is promised only for a bank change that will affect the services.

Not stated here

  • The length of advance notice is not stated.

Account & Service Control · Procedure

Run a compliance program Stripe and the bank may assess; send compliance notices; Stripe may message accountholders

The User must establish, maintain and act according to a compliance program that ensures the User and each accountholder comply with Law, the Card Network Rules and the Guidelines, and that the User complies with the Agreement. Stripe and the Issuing Bank may assess the User's compliance with the Guidelines, and the User must promptly provide all information, documentation and assistance they require. As the Guidelines describe, the User must send certain compliance-related communications to its accountholders, and Stripe may send communications directly to them, including on behalf of an Issuing Bank.

Supporting quotations

9.2 Compliance Program.
(a) Requirements. User must establish, maintain, and act according to a compliance program that enables and ensures that (i) User and each Stripe Issuing Accountholder complies with Law, the Card Network Rules, and the Stripe Issuing Program Guidelines; and (ii) User complies with this Agreement. Stripe and Issuing Bank may assess User’s compliance with the Stripe Issuing Program Guidelines and User must promptly provide all information, documentation, and assistance that Stripe or Issuing Bank require to assess User’s compliance.
(b) Customer Communications. As described in the Stripe Issuing Program Guidelines, (a) User must send certain compliance-related communications to User’s Stripe Issuing Accountholders; and (b) Stripe may send communications directly to User’s Stripe Issuing Accountholders, including on behalf of an Issuing Bank.

Qualifications & exceptions

  • Direct communications by Stripe may be made on behalf of an Issuing Bank.

Not stated here

  • The Guidelines are not part of this document.

Account & Service Control · Restriction or exception

Stripe must approve your marketing materials; unmodified Stripe templates need no further approval

Stripe must approve all marketing materials the User wishes to use with the Stripe Issuing Services. Stripe may provide template materials the User may use without further approval as long as they are not modified. The User must submit all proposed marketing materials through a process Stripe communicates.

Supporting quotations

9.3 Marketing.
Stripe must approve all marketing materials that User wishes to use in connection with the Stripe Issuing Services. Stripe may provide template marketing materials to User, which User may use without further Stripe approval as long as the template marketing materials are not modified. User must submit all proposed marketing materials to Stripe using a process Stripe communicates to User.

Qualifications & exceptions

  • Templates are pre-approved only if not modified.

Account & Service Control · Procedure

Give accountholders the Disputes API Form or a channel, send disputes to Stripe at once, and never block disputes

Stripe makes the Disputes API Form available to the User. The User must either configure the Stripe API to offer it to its accountholders or provide a channel through which they can submit disputes to the User, and must immediately submit any disputes it receives to Stripe through the Stripe API or Dashboard. The User must not interfere with any accountholder's ability to dispute a Card Transaction.

Supporting quotations

11. Card Disputes.
11.1 Disputes Generally; Disputes API Form.
Stripe will make the Disputes API Form available to User. User must either (a) configure the Stripe API to make the Disputes API Form available to User’s Stripe Issuing Accountholders; or (b) provide a channel through which Stripe Issuing Accountholders can submit disputes to User. User must immediately submit any disputes User receives to Stripe through the Stripe API or the Stripe Dashboard.
User must not interfere with any Stripe Issuing Accountholder’s ability to dispute a Card Transaction.

Qualifications & exceptions

  • The User chooses between the form and its own channel but must forward disputes immediately either way.

Account & Service Control · Company commitment

You get monthly statements through Stripe Technology and must review them and report problems without undue delay

Stripe, or the User's Platform Provider where applicable, provides the Stripe Issuing Account balance and a statement of Card Transactions through the Stripe Technology, and the User can access and download monthly statements there. Statements show information identifying each transaction and, where appropriate, the payee; the amount in the currency paid; the charges; where applicable the actual exchange rate applied; and the authorization or posting date. The User must regularly and carefully review its transactions to spot unauthorized or incorrectly executed ones and, where appropriate, notify Stripe without undue delay under the Agreement.

Supporting quotations

5.8 Card Transaction information.
Stripe (or, if applicable, User’s Platform Provider) will, through the Stripe Technology, provide User with the Stripe Issuing Account balance and a statement of Card Transactions. User will be able to access and download monthly Card Transaction statements via the Stripe Technology (or, if applicable, from User’s Platform Provider). The Card Transaction statements will show (a) information related to each Card Transaction which will enable it to be identified and, where appropriate, information on the payee; (b) the amount of the Card Transaction shown in the currency in which the Card Transaction was paid; (c) the amount of charges for the Card Transaction; (d) where applicable, the actual exchange rate applied to the Card Transaction; and (e) the date the Card Transaction is authorized on or posted to the Stripe Issuing Account. User must carefully review its Card Transactions on a regular basis to identify unauthorized or incorrectly executed transactions and, where appropriate, notify Stripe without undue delay in accordance with the terms of this Agreement if an unauthorized or incorrectly executed transaction has occurred.

Account & Service Control · Permission or license

SMP may change your Stripe Account on your behalf for payment methods, dispute evidence, fraud tools and data

To provide the Service, SMP and its Affiliates may change the User's Stripe Account on the User's behalf to (i) enable a payment method or adjust its settings for the Service, (ii) submit evidence for a Dispute on a Managed Payments Transaction, (iii) enable or configure fraud prevention and dispute management tools, such as dispute deflection and automated resolution, to keep risk and dispute levels acceptable, and (iv) delete, restrict access to or modify Customer information or Transaction data, as a Customer requests or Law requires. The User authorizes these changes.

Supporting quotations

(b) Changes to User's Stripe Account. As part of providing the Stripe Managed Payments Service to User, SMP and its Affiliates may need to make changes to User’s Stripe Account, on User’s behalf, (i) enable a payment method or adjust its settings for use with the Stripe Managed Payments Service, (ii) submit evidence in connection with a Dispute for a Stripe Managed Payments Service Transaction, (iii) enable or configure fraud prevention and dispute management tools (e.g., dispute deflection and automated resolution) to maintain acceptable risk and dispute levels, (iv) delete, restrict access to, or modify Customer information or Transaction data, as requested by a Customer or required by Law, in connection with a Stripe Managed Payments Service Transaction. User authorizes SMP and its Affiliates to make the changes described in this Section.

Qualifications & exceptions

  • Changes are made on the User's behalf and under the User's authorization.
  • Data deletion or modification is tied to a Customer request or a legal requirement.

Not stated here

  • Whether the User is notified of each change is not stated.

Account & Service Control · Context

Stripe and its Affiliates may separately provide other Stripe services to Customers

Stripe and its Affiliates may separately provide other Stripe services to Customers of the User, in addition to the Managed Payments Service.

Supporting quotations

2.3 Provision of Services by Stripe to Customers.
Stripe and its Affiliates may separately provide other Stripe services to Customers.

Not stated here

  • The terms do not describe those other services or whether they involve Customer data from the User's sales.

Account & Service Control · Restriction or exception

The service covers only eligible Products you elect, and your account becomes a Connected Account of SMP

The Managed Payments Service applies to, and may be used only for, Transactions for eligible Products the User elects to sell through it. By using it, the User's Stripe Account is treated as a Connected Account to SMP as the Platform, and these terms incorporate the Connected Account Agreement by reference.

Supporting quotations

3.1 Use of the Service and Termination.
Stripe Managed Payments Service only applies to, and may only be used for, Transactions for eligible Products that User elects to sell via the Stripe Managed Payments Service. By using the Stripe Managed Payments Service, User’s Stripe Account is treated as a Connected Account to SMP as the Platform. These Stripe Managed Payments Terms incorporate by reference the Connected Account Agreement.

Qualifications & exceptions

  • Only eligible Products the User elects to sell are covered.

Not stated here

  • Which Products are eligible is not set out in this section.

Account & Service Control · Permission or license

SMP may suspend or end your use at any time, and may make you stop selling or offboard ineligible products

SMP reserves the right to suspend or terminate the User's use of the Service at any time. If SMP or its Affiliates determine the User's products are not eligible Products, they may (i) require the User to stop using the Service for the ineligible products, or (ii) offboard the ineligible products from the Service.

Supporting quotations

SMP reserves the right to suspend or terminate User’s use of the Stripe Managed Payments Service at any time. If SMP or its Affiliates determines that User’s products do not qualify as eligible Products, SMP and its Affiliates may (i) require User to stop using the Stripe Managed Payments Service for the ineligible products, or (ii) offboard the ineligible products from the Stripe Managed Payments Service.

Qualifications & exceptions

  • Suspension or termination is available at any time, without a stated reason or notice in this clause.
  • The ineligible-product remedies follow a determination by SMP or its Affiliates.

Not stated here

  • This clause states no notice period; other parts of the terms may add one.

Account & Service Control · Restriction or exception

You must clearly disclose subscription terms to Customers before or at checkout, including renewal and cancellation

For any Product sold on a subscription basis through the Service, the User must clearly and conspicuously disclose the subscription's terms to Customers before or at checkout: the amount and frequency of the charge, the term length, whether it automatically renews, the amount on renewal, any additional fees and costs, and a method for cancellation.

Supporting quotations

3.2 Subscriptions.
For any Product sold on a subscription basis via the Stripe Managed Payments Service, User must clearly and conspicuously disclose the terms of the subscription to Customers before or at checkout, including subscription amount and frequency of the charge, term length, whether the subscription automatically renews, the subscription amount upon renewal, any additional fees and costs related to the subscription, and a method for cancellation.

Qualifications & exceptions

  • Disclosure must be clear and conspicuous and made before or at checkout.

Account & Service Control · Restriction or exception

To have SMP manage existing subscriptions you need contract rights, an agency appointment and Customer notice

If the User elects to manage its existing Customer subscriptions through the Service, then from the date it starts and at all times during the Term the User must (a) have the contractual rights to assign or transfer those subscriptions to be managed through the Service and to appoint SMP to charge and collect the amounts owed; (b) have appointed SMP as its agent before SMP charges and collects on its behalf, and keep that appointment; and (c) give its Customers notice that SMP will be responsible for charging and collecting.

Supporting quotations

3.2 Subscriptions.
If User elects to manage its existing Customer subscriptions for Products through Stripe Managed Payments Service, User will, as of the date it starts using the Stripe Managed Payments Service and at all times during the Term:
(a) have the necessary contractual rights to assign or transfer existing Customer subscriptions to be managed through Stripe Managed Payments Service and to appoint SMP to charge and collect subscription amounts owed by Customers;
(b) have appointed SMP as User’s agent before SMP charges and collects subscription amounts on User’s behalf from User’s Customers, and will maintain that agency appointment; and
(c) will give notice to User’s Customers that SMP will be responsible for charging and collecting subscription amounts owed by Customers.

Qualifications & exceptions

  • Applies only if the User elects to manage existing subscriptions through the Service.
  • The duties apply from the start date and at all times during the Term.

Account & Service Control · Restriction or exception

Taking subscriptions back from SMP needs your own capability and timely Customer notice that SMP's role ends

If the User elects to stop having the Service manage Customer subscriptions so it can manage them directly, then from the date of its election the User must (x) have the contractual rights and capabilities to manage the subscriptions and charge and collect the amounts owed, and (y) give the affected Customers timely notice that SMP will no longer charge and collect for the sale of the User's Product, that there is no further relationship between SMP and the Customers, and that any related services from Stripe or its Affiliates to Customers will no longer be provided.

Supporting quotations

If User elects to stop managing Customer subscriptions for Products through Stripe Managed Payments Service to manage them directly, User will, as of the date of User’s election:
(x) have the necessary contractual rights and capabilities to manage the subscriptions and to charge and collect subscription amounts owed by Customers; and
(y) will give timely notice to the affected Customers that SMP will no longer charge and collect subscription amounts owed for the sale of User’s Product, that there is no further relationship between SMP and User’s Customers, and any services provided by Stripe or its Affiliates to Customers related to those subscriptions will no longer be provided.

Qualifications & exceptions

  • Applies only if the User elects to stop having the Service manage subscriptions.
  • Notice must be timely.

Account & Service Control · Procedure

You get 48 hours to answer SMP's request about a sale, or SMP may refund the Customer without your input

The User has an opportunity to address Customer complaints and Disputes. If SMP asks the User for more information about a sale, the User may respond within 48 hours of the request with the information. If the User does not provide the information or a timely response, SMP may refund the payment to the Customer without the User's input.

Supporting quotations

3.4 Customer Disputes and Refunds.
(a) User Cooperation. User will have an opportunity to address Customer complaints and Disputes. If SMP contacts User for additional information about the sale of a Product, User has an opportunity to respond within 48 hours of the request and provide to SMP the requested information. If User does not provide the requested information or a timely response, SMP may refund the payment to the Customer without User’s input.

Qualifications & exceptions

  • The 48-hour window runs from the request.

Not stated here

  • The terms do not say how a refund made this way interacts with the User's liability for refunds.

Account & Service Control · Company practice

SMP invoices and talks to Customers in its own name without disclosing it acts as your agent

The User acknowledges that SMP will communicate with and invoice the Customer in SMP's own name, without disclosing that it acts as the User's agent. A User that does not want SMP to act as its agent must not use the Managed Payments Service for those transactions.

Supporting quotations

(e) Undisclosed Agent. User acknowledges that SMP will communicate with and invoice the customer in SMP’s own name, without disclosing that SMP is acting as User’s agent. If User does not want SMP to act as its agent, User must not use Stripe Managed Payments Service for those transactions.

Qualifications & exceptions

  • The only stated alternative is not using the Service for those transactions.

Account & Service Control · Restriction or exception

Your Products must be lawful, non-infringing and defect-free, and your Customer contracts must match these terms

Before using the Service and at all times during the Term, the User will (a) make sure the goods or services it sells are Products, are not restricted for sale under applicable Law (for example export control laws), do not violate or infringe third-party rights such as IP Rights, and do not cause SMP to violate Law; (b) amend its Customer agreements as needed to comply with these terms; (c) make sure those agreements include the disclosures and links to Stripe's or its Affiliate's Customer terms that SMP and its Affiliates require; and (d) keep its Products free of defects while it controls them.

Supporting quotations

7. User Obligations.
Before using the Stripe Managed Payments Service, and at all times during the Term, User will:
(a) Ensure the goods or services for which User uses the Stripe Managed Payments Service are Products, and are not restricted for sale under any applicable Law (e.g., export control laws), do not violate or infringe any third-party rights (e.g., IP Rights), and do not cause SMP to violate any applicable Law;
(b) Make such amendments to User’s agreements with its Customers as are necessary to comply with these Stripe Managed Payments Terms;
(c) Ensure User’s agreements with Customers include all necessary disclosures and links to Stripe’s or its Affiliate’s Customer terms required by SMP and its Affiliates;
(d) Ensure User’s Products are free of defects while User has control over the Product;

Qualifications & exceptions

  • The duties apply before use and at all times during the Term.
  • The defect-free duty applies while the User has control over the Product.

Account & Service Control · Restriction or exception

You may not use the service to sell NFTs, cryptocurrency, virtual currency or similar digital assets

The User must not use the Managed Payments Service to sell non-fungible tokens, cryptocurrency, virtual currency or similar digital assets.

Supporting quotations

Before using the Stripe Managed Payments Service, and at all times during the Term, User will:
(f) Not use the Stripe Managed Payments Services to sell non-fungible tokens, cryptocurrency, virtual currency, and similar digital assets; and

Not stated here

  • The terms do not define similar digital assets.

Account & Service Control · Restriction or exception

No selling Prohibited or Restricted Business products, or dealing with such a business, without written approval

The User must not use the Service to sell Products on the Prohibited or Restricted Business List, conduct a Prohibited or Restricted Business, transact with one, or enable any individual or entity (including the User) to benefit from one, unless Stripe has pre-approved that business in writing.

Supporting quotations

Before using the Stripe Managed Payments Service, and at all times during the Term, User will:
(g) Not use the Stripe Managed Payments Service to sell Products listed on the Prohibited or Restricted Business List, conduct a Prohibited or Restricted Business, transact with any Prohibited or Restricted Business, or enable any individual or entity (including User) to benefit from any Prohibited or Restricted Business, unless Stripe has pre-approved the respective Prohibited or Restricted Business in writing.

Qualifications & exceptions

  • The only exception is Stripe's written pre-approval of the specific business.

Not stated here

  • The Prohibited or Restricted Business List is a separate document and is not supplied here.

Account & Service Control · Context

Definitions: Product (eligible digital product per the Documentation) and Seller

A Product is the eligible software as a service, digital good or digital product, as the Documentation describes, that the User, as Seller, makes available for sale to Customers through the Service. A Seller is the User using the Service to sell Product to Customers.

Supporting quotations

“Product” means the eligible software as a service, digital good, or digital product as described in the [Documentation](https://docs.stripe.com/payments/managed-payments/eligibility) that User, as Seller, makes available for sale to Customers via the Stripe Managed Payments Service.
“Seller” means the User using the Stripe Managed Payments Service to sell Product to Customers.

Qualifications & exceptions

  • Only items that meet the Documentation's eligibility description count as Products.

Not stated here

  • The eligibility rules are on a linked Documentation page and are not in this text.

Account & Service Control · Permission or license

Australia: SMP may suspend or end your use at once on listed events, or at any time on 30 days' notice

For Users in Australia, the Managed Payments Service applies only to Transactions for eligible Products the User elects to sell, the User's Stripe Account is treated as a Connected Account to SMP as the Platform, and the Connected Account Agreement is incorporated. SMP may suspend or terminate the User's use (i) with immediate effect on notifying the User if an event listed in Section 10.1(b) (Suspension and Termination by Stripe) of the General Terms occurs, or (ii) at any time on 30 days' notice. If SMP or its Affiliates decide products are not eligible, they may require the User to stop using the Service for them or offboard them. This replaces the base clause's right to suspend or terminate at any time with a 30-day notice route.

Supporting quotations

11.1 Use of the Service and Termination.
Stripe Managed Payments Service will only apply to Transactions for eligible Products User elects to sell via the Stripe Managed Payments Service. By using the Stripe Managed Payments Service, User’s Stripe Account is treated as a Connected Account to SMP as the Platform. These Stripe Managed Payments Terms incorporate by reference the Connected Account Agreement. SMP reserves the right to suspend or terminate User’s use of the Stripe Managed Payments Service (i) with immediate effect upon notifying User if any event listed in Section 10.1(b) (Suspension and Termination by Stripe) of the General Terms occurs; or (ii) at any time upon 30 days’ notice to User. If SMP or its Affiliates determines that User’s products do not qualify as eligible Products, SMP and its Affiliates may (i) require User to stop using the Stripe Managed Payments Service for the ineligible products, or (ii) offboard the ineligible products from the Stripe Managed Payments Service.

Qualifications & exceptions

  • Immediate suspension needs a General Terms 10.1(b) event and notice to the User.
  • Otherwise 30 days' notice is required for the Australian Regional Terms.

Not stated here

  • General Terms section 10.1(b), which lists the events, is not part of this saved text.

Cross-references

Account & Service Control · Permission or license

New Zealand: SMP may suspend or end your use at once on listed events, or at any time on 30 days' notice

For Users in New Zealand, the Managed Payments Service applies only to Transactions for eligible Products the User elects to sell, the User's Stripe Account is treated as a Connected Account to SMP as the Platform, and the Connected Account Agreement is incorporated. SMP may suspend or terminate the User's use (i) with immediate effect on notifying the User if an event listed in Section 10.1(b) (Suspension and Termination by Stripe) of the General Terms occurs, or (ii) at any time on 30 days' notice. If SMP or its Affiliates decide products are not eligible, they may require the User to stop using the Service for them or offboard them.

Supporting quotations

The following Regional Terms apply for Users in New Zealand.
(a) Stripe Managed Payments Service will only apply to Transactions for eligible Products User elects to sell via the Stripe Managed Payments Service. By using the Stripe Managed Payments Service, User’s Stripe Account is treated as a Connected Account to SMP as the Platform. These Stripe Managed Payments Terms incorporate by reference the Connected Account Agreement. SMP reserves the right to suspend or terminate User’s use of the Stripe Managed Payments Service (i) with immediate effect upon notifying User if any event listed in Section 10.1(b) (Suspension and Termination by Stripe) of the General Terms occurs; or (ii) at any time upon 30 days’ notice to User. If SMP or its Affiliates determines that User’s products do not qualify as eligible Products, SMP and its Affiliates may (i) require User to stop using the Stripe Managed Payments Service for the ineligible products, or (ii) offboard the ineligible products from the Stripe Managed Payments Service.

Qualifications & exceptions

  • Immediate suspension needs a General Terms 10.1(b) event and notice to the User.
  • Otherwise 30 days' notice is required for the New Zealand Regional Terms.

Not stated here

  • General Terms section 10.1(b), which lists the events, is not part of this saved text.

Cross-references

Account & Service Control · User right or choice

You may end the service in the Dashboard at any time; it takes effect next business day and default payout speed applies

The User may terminate its use of the Next-Day Settlement Services for an eligible Stripe Account at any time in the Stripe Dashboard. Termination takes effect on the next business day. After that, Transaction funds are settled to the Stripe Account at the default Payout Speed for the applicable Payment Method.

Supporting quotations

5. Termination of the Next-Day Settlement Services.
User may terminate its use of the Next-Day Settlement Services in respect of an eligible Stripe Account at any time in the Stripe Dashboard. Termination will become effective on the next business day. Following termination of the Next-Day Settlement Services, settlement of Transaction funds to the Stripe Account will be made in accordance with the default Payout Speed for the applicable Payment Method.

Qualifications & exceptions

  • Termination is per eligible Stripe Account.

Account & Service Control · Restriction or exception

You (or your Affiliate) must keep an agreement with each Third-Party PSP

The User, or if applicable its Affiliate, must maintain a Third-Party-PSP Agreement with each Third-Party PSP. That is a service agreement between the User (or its Affiliate) and the PSP governing routing, processing, settlement or other ancillary services for payment card transactions accessed through the Orchestrated Services.

Supporting quotations

(d) General Obligations.
(i) User (or if applicable, User’s Affiliate) must maintain a Third-Party-PSP Agreement with each Third Party PSP.
“Third-Party-PSP Agreement” means a service agreement between User (or if applicable, a User’s Affiliate) and a Third-Party PSP governing the routing, processing, settlement, or other ancillary services, for payment card transactions, which are being accessed in connection with the Stripe Orchestrated Services.

Account & Service Control · Restriction or exception

You may not integrate Restricted PSPs or Methods, or tell anyone Stripe is the payment processor

The User must not (a) integrate with Restricted Third-Party PSPs or Restricted Custom Payment Methods; (b) represent that Stripe acts as the payment processor for transactions where Stripe provides Orchestration Services rather than Payment Services; or (c) misrepresent to anyone that Stripe is the payment processor of the Orchestrated Transactions.

Supporting quotations

2.2 Services Restrictions.
User must not:
(a) integrate with Restricted Third-Party PSPs or Restricted Custom Payment Methods;
(b) represent that Stripe acts as the payment processor in connection with any transactions for which Stripe provides Stripe Orchestration Services rather than Stripe Payment Services; or
(c) misrepresent to anyone that Stripe is the payment processor of the Orchestrated Transactions.

Not stated here

  • Restricted Custom Payment Methods are not defined in the text read for this section.

Account & Service Control · Restriction or exception

You may not say or imply Stripe is the payment processor of Orchestrated Transactions

The User must not represent that Stripe acts as the payment processor for transactions where Stripe provides Orchestration Services rather than Payment Services, and must not misrepresent to anyone that Stripe is the payment processor of the Orchestrated Transactions.

Supporting quotations

(b) represent that Stripe acts as the payment processor in connection with any transactions for which Stripe provides Stripe Orchestration Services rather than Stripe Payment Services; or
(c) misrepresent to anyone that Stripe is the payment processor of the Orchestrated Transactions.

Account & Service Control · Permission or license

Stripe may add or remove Restricted Custom Payment Methods and Restricted Third-Party PSPs at any time

Stripe may, at any time, add or remove Restricted Custom Payment Methods or Restricted Third-Party PSPs. The User may not integrate with those on the restricted lists, so the set of allowed integrations can change without the User's agreement.

Supporting quotations

3. Stripe’s Rights.
Stripe may, at any time, add or remove Restricted Custom Payment Methods or Restricted Third-Party PSPs.

Qualifications & exceptions

  • Stripe may change the restricted lists at any time.

Not stated here

  • The terms give no notice period for changes to the restricted lists.

Account & Service Control · Context

Definitions: Restricted Custom Payment Method and Restricted Third-Party PSP, set by Documentation and updates

A Restricted Custom Payment Method is a third-party payment method the User is prohibited from accepting with the Orchestrated Services, as the Documentation describes and Stripe may update from time to time. A Restricted Third-Party PSP is a Third-Party PSP the User may not integrate with in relation to the services, on the same basis. Both restrictions can change when Stripe updates the Documentation. A Custom Payment Method is a third-party payment method not supported by the User's Stripe integration, configured to process transactions outside Stripe, that Stripe permits the User to integrate.

Supporting quotations

“Restricted Custom Payment Method” means a third-party payment method User is prohibited from accepting in connection with User’s use of the Stripe Orchestrated Services, as described in the Documentation and as may be updated by Stripe from time to time.
“Restricted Third-Party PSP” means a Third-Party PSP with which User may not integrate in relation to User’s use of the Stripe Orchestrated Services, as described in the Documentation and as may be updated by Stripe from time to time.
“Custom Payment Method” means a third-party payment method not supported by a User’s Stripe integration configured to process transactions outside of Stripe that Stripe permits User to integrate with User’s use of the Stripe Orchestrated Services, as described in the Documentation.

Qualifications & exceptions

  • Both lists can change when Stripe updates the Documentation.

Not stated here

  • The Documentation's lists are not supplied here.

Account & Service Control · Context

Organizations Terms add to the General Terms and bind each Organization Account (last modified Nov. 18, 2025)

These Stripe Organizations Terms, last modified November 18, 2025, supplement the General Terms and govern the use of the Stripe Organizations Services, and each Stripe Account that is an Organization Account is bound by them. Capitalized terms not defined here take their General Terms meaning. An Organization Account is a Stripe Account included in an Organization, and the Organizations Services are designed to let the User join one or more Affiliate Stripe Accounts together in an Organization.

Supporting quotations

Last modified: November 18, 2025
These terms (“Stripe Organizations Terms”) supplement the General Terms and govern the use of the Stripe Organizations Services. Each Stripe Account that is an Organization Account is bound by these Stripe Organization Terms. Capitalized terms that are not defined in these Stripe Organizations Terms have the same meanings given to them in the General Terms.
“Organization Account” means a Stripe Account that is included in an Organization.
“Stripe Organizations Services” means the Service that is designed to enable User to join one or more Affiliate Stripe Accounts together in an Organization.

Qualifications & exceptions

  • Each Organization Account is bound, not only the one that signed up.

Account & Service Control · Restriction or exception

An account can join only one Organization, members must be Affiliates, and you must leave after a Change of Control

Each Stripe Account can be in only one Organization at a time, and all accounts in an Organization must be Affiliates. If the User experiences a Change of Control and its Organization Account is no longer an Affiliate of the other users in the Organization, the User must immediately remove its account from the Organization.

Supporting quotations

2. Conditions of Use.
Each Stripe Account can only join one Organization at any time. All Stripe Accounts within an Organization must be Affiliates. If User experiences a Change of Control and User’s Organization Account is no longer an Affiliate of the other Stripe users in the Organization, then User must immediately remove its Organization Account from the Organization.

Qualifications & exceptions

  • Removal after a Change of Control applies where the account is no longer an Affiliate of the others.

Account & Service Control · Permission or license

Stripe may remove an Organization Account at any time if it is not an Affiliate or is in breach

Stripe may, at its discretion and at any time, remove an Organization Account from an Organization if it determines the account is not an Affiliate of the other Organization Accounts, or is in violation of the Agreement or the Organizations Terms.

Supporting quotations

3. Stripe Rights.
Stripe may remove, at its discretion and at any time, an Organization Account from an Organization if Stripe determines that an Organization Account is not an Affiliate of the other Organization Accounts, or is in violation of the Agreement or these Stripe Organization Terms.

Qualifications & exceptions

  • Requires Stripe's determination of non-affiliation or violation, but removal is at its discretion.

Account & Service Control · Permission or license

Sharing is for Stripe-approved Organizations; Stripe may disable it, change fees or end it at any time

Customer and Payment Method Sharing is only available for Organizations Stripe approves. Stripe may disable it for any Organization or any Organization Account, and disclaims all liability for disabling it after the User has enabled or used it. Stripe may apply or change fees for the feature, subject to any notice period Law requires and any applicable Taxes, and may discontinue the feature at any time.

Supporting quotations

7.4 Stripe’s Rights.
Customer and Payment Method Sharing is only available for Organizations approved by Stripe. Stripe reserves the right to disable Customer and Payment Method Sharing for any Organization or for any Organization Account in an Organization. Stripe disclaims all liability for disabling Customer and Payment Method Sharing after User has enabled or used the feature. Stripe reserves the right to apply or change fees for the Customer and Payment Method Sharing feature, subject to any notice period required by Law before applying or changing fees, as well as any applicable Taxes. Stripe reserves the right to discontinue offering the Customer and Payment Method Sharing feature at any time.

Qualifications & exceptions

  • Fee changes are subject to any legally required notice period.
  • Stripe's liability for disabling the feature is disclaimed.

Not stated here

  • The terms do not state any notice period of their own.

Account & Service Control · Context

Definitions: Organization (two or more Affiliate accounts), Organization Account and Organizations Services

An Organization is a group of two or more of the User's or its Affiliates' Stripe Accounts that the User joins together through the Stripe Organization Services. An Organization Account is a Stripe Account included in an Organization. The Stripe Organizations Services are the Service designed to let the User join one or more Affiliate Stripe Accounts together in an Organization.

Supporting quotations

“Organization” means a group of two or more of User’s or User’s Affiliates’ Stripe Accounts that User joins together via the Stripe Organization Services.
“Organization Account” means a Stripe Account that is included in an Organization.
“Stripe Organizations Services” means the Service that is designed to enable User to join one or more Affiliate Stripe Accounts together in an Organization.

Qualifications & exceptions

  • An Organization needs at least two accounts.

Account & Service Control · Context

Professional Services Terms add to the General Terms for Order Form purchases (last modified Sept. 28, 2026)

These Stripe Professional Services Terms, last modified September 28, 2026, supplement the General Terms, govern the use of the Stripe Professional Services, and apply to the User's purchase of those services under a Professional Services Order Form. That is an order form or statement of work for the services signed between the User and Stripe. Capitalized terms not defined here take their General Terms meaning.

Supporting quotations

Last modified: September 28, 2026
These terms (“Stripe Professional Services Terms”) supplement the General Terms, govern the use of the Stripe Professional Services, and apply to User’s purchase of Stripe Professional Services under a Professional Services Order Form. Capitalized terms that are not defined in these Stripe Professional Services Terms have the same meanings given to them in the General Terms.
“Professional Services Order Form” means an order form or statement of work for Stripe Professional Services executed between User and Stripe.

Qualifications & exceptions

  • Applies to purchases made under a Professional Services Order Form.

Account & Service Control · Company practice

The services you get are described in the Order Form, the Data Sheet and on the Stripe Website

The specific Stripe Professional Services Stripe will provide are described on the Professional Services Order Form, the Professional Services Data Sheet and the Stripe Website. The Data Sheet is the document the Order Form references with a detailed description of the services. The terms themselves do not list the services.

Supporting quotations

2.1 Service Description.
The specific Stripe Professional Services that Stripe will provide to User is described on the Professional Services Order Form, Professional Services Data Sheet and Stripe Website.
“Professional Services Data Sheet” means the document referenced in the Professional Services Order Form containing a detailed description of the Stripe Professional Services.

Qualifications & exceptions

  • Scope comes from three sources, including a website page that can change.

Not stated here

  • The Order Form, Data Sheet and website content are not part of this saved text.

Account & Service Control · Procedure

The start date is agreed within 10 days or set by you on 30 days' notice, and Stripe's duty ends one year after signing

Within 10 days after the Order Form is signed, the parties will seek to agree a Project Start Date. If they do not, the User may choose one by giving Stripe at least 30 days' notice of its proposed date. Whatever the start date, Stripe's obligation to provide the services ends one year after the Order Form is executed.

Supporting quotations

2.2 Project Start Date.
Within 10 days after the Professional Services Order Form is executed, the parties will seek to agree on a date when Stripe will start providing the Stripe Professional Services to User (“Project Start Date”). If the parties do not agree on a Project Start Date within that time period, User may select a Project Start Date by providing Stripe with at least 30 days’ notice of User’s proposed Project Start Date. Notwithstanding the Project Start Date, Stripe’s obligation to provide the Stripe Professional Services to User ends one year after the Professional Services Order Form is executed.

Qualifications & exceptions

  • The User's own date needs at least 30 days' notice.
  • The one-year end date runs from execution of the Order Form, not from the start date.

Not stated here

  • The terms do not say what happens to fees if the services cannot be completed within the one year.

Account & Service Control · Company practice

Services are provided remotely, during business hours on business days, unless agreed otherwise

Unless the parties agree otherwise, including in the Order Form or Data Sheet, Stripe will provide the Professional Services (a) on a remote or virtual basis and (b) during business hours on business days.

Supporting quotations

2.3 Delivery of Services.
Unless the parties otherwise agree (including in the Professional Services Order Form or Professional Services Data Sheet), Stripe will provide Stripe Professional Services (a) on a remote or virtual basis, and (b) during business hours on business days.

Qualifications & exceptions

  • The parties can agree differently in the Order Form or Data Sheet.

Not stated here

  • Business hours are not defined in this section.

Account & Service Control · Procedure

Services are deemed accepted unless you object within 10 days of Stripe's completion notice

Stripe will give the User a completion notice for completed services. Unless the User objects by notifying Stripe within 10 days of the notice, the services are deemed accepted when Stripe provides the notice. If the User objects, the parties will cooperate in good faith to resolve it.

Supporting quotations

2.4 Acceptance of Services.
Stripe will provide User with a completion notice for the completed Stripe Professional Services, and unless User objects to the completion notice by notifying Stripe within 10 days of the completion notice, the Stripe Professional Services will be deemed accepted by User when Stripe provides the completion notice. If User raises an objection, the parties will cooperate in good faith to resolve it.

Qualifications & exceptions

  • Acceptance is deemed from the date of the notice, not the end of the 10 days.

Account & Service Control · Restriction or exception

You must appoint a point of contact with authority and a senior project sponsor

The User must (a) appoint a person to act as its main point of contact for the services, with authority to act for the User and to coordinate its employees, contractors and agents to meet its obligations, and (b) appoint a senior leader as project sponsor, responsible for providing the resources needed for project management and for resolving escalated issues.

Supporting quotations

5. User Commitments and Obligations.
User must:
(a) appoint a person to act as User’s main point of contact with respect to the Stripe Professional Services who will have the authority to act on User’s behalf and coordinate User’s employees, contractors and agents to meet User’s obligations under these Stripe Professional Services Terms;
(b) appoint a senior leader within User’s organization as a project sponsor to be responsible for providing necessary resources for successful project management and resolving any escalated issues;

Account & Service Control · Restriction or exception

You must hold requirements steady after the plan is agreed, respond promptly and keep your team available

The User must (c) not change technical and operational requirements after the parties agree a project plan as the Data Sheet contemplates; (d) respond promptly to Stripe's requests for direction, information, documentation (including test plans, testing environments and a description of its systems architecture), approvals, authorizations or decisions reasonably needed to provide the services; and (e) make all User team members, including engineering and operational personnel and subject matter experts, available throughout the project to carry out their tasks in a timely way.

Supporting quotations

User must:
(c) not change technical and operational requirements after the parties agree on a project plan as contemplated in the Professional Services Data Sheet;
(d) respond promptly to any request from Stripe to provide direction, information, documentation (including test plans, relevant testing environments (if applicable), and a description of User’s systems architecture), approvals, authorizations, or decisions that are reasonably necessary for Stripe to provide the Stripe Professional Services in accordance with this Agreement;
(e) make all User team members, including engineering and operational personnel, subject matter experts and other key personnel, available throughout the project to execute their required tasks in a timely fashion;

Qualifications & exceptions

  • The requirements freeze applies after the project plan is agreed.
  • Information requests must be reasonably necessary for the services.

Not stated here

  • The terms do not say what follows if requirements change anyway.

Account & Service Control · Restriction or exception

You must keep your team available and complete your project obligations within agreed timeframes

The User must (e) make all User team members, including engineering and operational personnel, subject matter experts and other key personnel, available throughout the project to carry out their tasks in a timely way, and (f) cooperate with Stripe and complete its obligations for the project within agreed timeframes.

Supporting quotations

(e) make all User team members, including engineering and operational personnel, subject matter experts and other key personnel, available throughout the project to execute their required tasks in a timely fashion;
(f) cooperate with Stripe and complete User’s obligations in relation to the project within agreed upon timeframes; and

Qualifications & exceptions

  • Applies throughout the project.

Not stated here

  • The terms do not say what follows if the User misses a timeframe.

Account & Service Control · Restriction or exception

You must give each Stripe Project Team member developer-level access to your Stripe Account

The User must give each Stripe Project Team member developer-level access to the User's Stripe Account during the term of the Professional Services Order Form. The Stripe Project Team is the subcontractors and Stripe employees performing the services.

Supporting quotations

(g) provide each Stripe Project Team member (as defined below) with developer-level access to User’s Stripe Account during the term of the Professional Services Order Form.
(together with Stripe employees performing the Stripe Professional Services, if any, the “Stripe Project Team”)

Qualifications & exceptions

  • Access lasts for the term of the Order Form.

Not stated here

  • The terms do not say what developer-level access allows, or how it is ended or monitored.

Account & Service Control · Company practice

Stripe may use subcontractors and remains responsible to you for performing its obligations

Stripe may engage subcontractors to perform all or part of the Professional Services, and together with any Stripe employees doing the work they are the Stripe Project Team. Stripe remains responsible to the User for performing its obligations under these terms, the Data Sheet and the Order Form.

Supporting quotations

6. Subcontractors.
Stripe may engage subcontractors to perform all or part of the Stripe Professional Services (together with Stripe employees performing the Stripe Professional Services, if any, the “Stripe Project Team”). Stripe will remain responsible to User for performing its obligations under and in accordance with these Stripe Professional Services Terms, Professional Services Data Sheet and Professional Services Order Form.

Not stated here

  • The terms do not say whether the User is told which subcontractors are used.

Account & Service Control · Context

Definition: Stripe Professional Services are advisory and consulting services set out in the Order Form and Data Sheet

Stripe Professional Services means the advisory and consulting services Stripe or its subcontractors provide, as described on the Order Form, the Data Sheet and the Stripe Website.

Supporting quotations

“Stripe Professional Services” means the advisory and consulting services provided by Stripe or its subcontractors as described on the Professional Services Order Form, Professional Services Data Sheet, and Stripe Website.

Account & Service Control · Company practice

Radar Services may be on by default, and you must contact Stripe to disable them

The Stripe Radar Services may be enabled by default. A User that does not want to use them must contact Stripe to disable them.

Supporting quotations

2. Stripe Radar Services on by Default.
The Stripe Radar Services may be enabled by default. If User does not wish to use these Services, User must [contact Stripe](https://stripe.com/contact) to disable them.

Qualifications & exceptions

  • Enablement by default is a possibility (“may”).

Not stated here

  • The terms do not say how quickly Stripe disables the services once asked.

Account & Service Control · Restriction or exception

You must answer Stripe's compliance information requests within 14 days, or Stripe may suspend or end Radar access

Within 14 days after Stripe's request, the User must give the information and documentation Stripe asks for to ensure the User complies with the Radar Terms. Stripe may suspend or terminate the User's access to the Radar Services immediately on notice if the User fails to provide it.

Supporting quotations

6.3 Requests for Compliance Information.
Within 14 days after Stripe’s request, User must provide information and documentation that Stripe requests for the purpose of ensuring User’s compliance with these Stripe Radar Terms. Stripe may suspend or terminate User’s access to the Stripe Radar Services immediately upon notice to User if User fails to provide information or documentation Stripe requests under this Section 6.3.

Qualifications & exceptions

  • The 14 days run from Stripe's request.
  • Suspension or termination is immediate on notice.

Account & Service Control · Context

Definition: Connected Account (a Platform User onboarded to a Stripe Connect Platform, or a Payout Recipient)

A Connected Account is either a Platform User with a Stripe Account onboarded to a Stripe Connect Platform through the Stripe Connect Services, or a Payout Recipient.

Supporting quotations

“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.

Account & Service Control · Permission or license

Stripe may add or restrict access to particular Stablecoin or fiat denominations or transaction types at any time

Stripe may add or restrict access in the User's Stripe Account to particular denominations of Stablecoin or fiat currency, or types of Stablecoin Partner Transactions, at any time.

Supporting quotations

Stripe may add or restrict access in User's Stripe Account to particular denominations of Stablecoin or fiat currency, or types of Stablecoin Partner Transactions, at any time.

Qualifications & exceptions

  • Available at any time.

Not stated here

  • The terms give no notice period for changes.

Account & Service Control · Restriction or exception

To use the Partner Services you must be located and incorporated in a supported place and follow Partner Terms

To access and use the Stablecoin Partner Services the User must (a) be located and incorporated in a jurisdiction that Stripe and the Stablecoin Partner support for the services; (b) accept the applicable Stablecoin Partner Terms; and (c) comply with them at all times. The Stablecoin Partner may add or remove supported Stablecoins and fiat currencies, as its Partner Terms provide, at any time.

Supporting quotations

To access and use the Stablecoin Partner Services, User must (a) be located and incorporated in a jurisdiction that Stripe and the Stablecoin Partner support in connection with the Stripe Stablecoin Treasury Services; (b) accept the applicable Stablecoin Partner Terms; and (c) comply with the applicable Stablecoin Partner Terms at all times. The Stablecoin Partner may add or remove supported Stablecoins and fiat currencies as provided in its Stablecoin Partner Terms, at any time.

Qualifications & exceptions

  • All three conditions apply.
  • The Partner may change supported currencies at any time.

Not stated here

  • The supported jurisdictions are not listed in these terms.

Account & Service Control · Permission or license

For non-Partner services you give Stripe a limited power of attorney and let it access your government tax account

For Stripe Tax Services that are not Partner Services, the User (i) grants Stripe, and where applicable its subcontractors, a limited power of attorney and appoints them as its attorney-in-fact and agent, with full power and authority to do all required activities as the User could itself, and (ii) authorizes them to access the User's tax account with a Governmental Authority using its Tax Information and act on its behalf.

Supporting quotations

2.4 Agent; Power of Attorney.
For Stripe Tax Services that are not Partner Services, User (i) grants Stripe (and if applicable, Stripe’s subcontractors) a limited power of attorney and appoints Stripe (and if applicable, Stripe’s subcontractors) as its attorney-in-fact and agent, with the full power and authority to perform all required activities as User could otherwise do itself or in person; and (ii) authorizes Stripe (and if applicable, Stripe’s subcontractors) to access User’s tax account with a Governmental Authority using its Tax Information and act on User’s behalf.

Qualifications & exceptions

  • Applies to Stripe Tax Services that are not Partner Services.
  • The power is described as limited, but covers all required activities.

Not stated here

  • The terms do not define the limits of the power of attorney.

Account & Service Control · Restriction or exception

You must give requested information within Stripe's timeframes and sign any extra documents or powers of attorney

The User must (i) promptly give Stripe, within the timeframes Stripe specifies, all information and documentation Stripe reasonably requests in connection with the Stripe Tax Services, and (ii) sign, and legalize where required, any additional documents Stripe requires to provide the services, including additional powers of attorney or authorizations a Governmental Authority requires.

Supporting quotations

(b) Additional Information Required. User must (i) promptly provide Stripe, within the timeframes that Stripe specifies, all information and documentation that Stripe reasonably requests in connection with the Stripe Tax Services; and (ii) sign, and legalize (where required), any additional documents Stripe requires to provide the Stripe Tax Services, including any additional powers of attorney or authorizations required by a Governmental Authority for Stripe to provide the Stripe Tax Services.

Qualifications & exceptions

  • Requests must be reasonable.
  • Timeframes are those Stripe specifies.

Account & Service Control · Restriction or exception

Your Tax Representative must be authorized to act at all times, and you must prove it on request

The User must make sure its Tax Representative, an individual using the Stripe Tax Services on its behalf, is authorized at all times during the Term to provide the Tax Information, submit a Tax Registration and approve Tax Filings for it. At Stripe's request the User must give further information or documents showing the Tax Representative's authority.

Supporting quotations

3.2 Authorization.
User must ensure that User’s Tax Representative is authorized to provide the Tax Information, submit a Tax Registration, and approve Tax Filings on User’s behalf at all times during the Term. At Stripe’s request, User must provide additional information or documentation demonstrating User’s Tax Representative’s authority.
“Tax Representative” means an individual using the Stripe Tax Services on User’s behalf.

Qualifications & exceptions

  • Authorization is required at all times during the Term.

Account & Service Control · Context

References to Documentation mean Stripe Terminal Documentation for Terminal Services, Software and Products

References to Documentation in the Agreement are read as references to Stripe Terminal Documentation for the Stripe Terminal Services, Software and Products. Stripe Terminal Documentation is the Documentation plus other documentation Stripe makes available, including by email, about those services, software or products.

Supporting quotations

2.4 Stripe Terminal Documentation.
References to Documentation in this Agreement will be read as references to Stripe Terminal Documentation, with respect to the Stripe Terminal Services, Stripe Terminal Software and Stripe Terminal Products.
“Stripe Terminal Documentation” means the Documentation, along with other documentation that Stripe makes available to User (including via email), relating to the Stripe Terminal Services, Stripe Terminal Software, or Stripe Terminal Products.

Qualifications & exceptions

  • Documentation can include material Stripe sends by email.

Account & Service Control · Restriction or exception

You may use the Terminal Services only in compliance with the Terminal Purchase Terms and this Agreement

The User may use the Stripe Terminal Services only in compliance with the Terminal Purchase Terms, if applicable, and the Agreement. The Terminal Purchase Terms are the agreement under which a Stripe Entity supplies the Terminal Products the User is using.

Supporting quotations

3. Use of the Stripe Terminal Services.
3.1 General.
User may only use the Stripe Terminal Services in compliance with the Terminal Purchase Terms, if applicable, and this Agreement.
“Terminal Purchase Terms” means the agreement under which a Stripe Entity supplies the Stripe Terminal Products that User is using.

Qualifications & exceptions

  • Terminal Purchase Terms apply if applicable.

Not stated here

  • The Terminal Purchase Terms are a separate agreement and are not supplied.

Account & Service Control · Permission or license

Stripe need not monitor your Stripe App but may review or test it at any time and require accurate information about you

Stripe is not obligated to monitor the User's Stripe App or its content, but may at any time review or test it for compliance with Law, the Agreement, the Stripe Apps Developer Agreement or other terms that apply to the User's relationship with Stripe. Stripe may require the User to provide information about itself, such as identification or contact details, as part of submitting its Stripe App and its continued use of Apps on Devices. The User must make sure all information it gives Stripe is and stays accurate, complete and up to date.

Supporting quotations

4.5 Monitoring and Compliance.
Stripe is not obligated to monitor User’s Stripe App or its content, but Stripe may at any time review or test User’s Stripe App for compliance with Law, this Agreement, the Stripe Apps Developer Agreement, or any other terms that apply to User’s relationship with Stripe. Stripe may require User to provide information about itself (such as identification or contact details) as a part of User’s Stripe App’s submission to, and User’s continued use of, Apps on Devices. User must ensure that all information User provides to Stripe is and will always be accurate, complete, and up to date.

Qualifications & exceptions

  • Reviews and tests may happen at any time.

Account & Service Control · Permission or license

Stripe may act against your Stripe App at its sole discretion if it infringes, breaks Law, offends or risks liability

Notwithstanding anything else in the Agreement, if Stripe decides at its sole discretion that any portion of the User's Stripe App, or its use of Stripe Apps on Terminal Products, (a) violates the IP Rights or other rights of a third party; (b) violates Law or is subject to an injunction; (c) is pornographic, obscene, malicious, offensive or otherwise violates the Agreement, the Apps Developer Agreement or Stripe's Prohibited and Restricted Business List; (d) is likely to cause liability for Stripe or any third party; or (e) impairs the user experience of Stripe Apps on Devices or Stripe Apps, then the remedies follow in the next section of the document.

Supporting quotations

4.6 Services Restrictions.
Notwithstanding anything to the contrary in this Agreement, if Stripe determines at its sole discretion that any portion of User’s Stripe App, or User’s use of Stripe Apps on the Stripe Terminal Products:
(a) violates the IP Rights or any other rights of a third party;
(b) violates Law or is subject to an injunction;
(c) is pornographic, obscene, malicious, offensive or otherwise violates this Agreement, the Stripe Apps Developer Agreement, or Stripe's Prohibited and Restricted Business List;
(d) is likely to cause liability for Stripe or any third party;
(e) impair the user experience of Stripe Apps on Devices or Stripe Apps; or

Qualifications & exceptions

  • Each ground depends on Stripe's sole-discretion determination.
  • The actions Stripe may take are set out in the following block, carded with the next section.

Not stated here

  • The remedies for these grounds are not covered by this card.

Account & Service Control · Permission or license

Stripe may reject, disable or suspend a defective or experience-impairing Stripe App and require fixes

Stripe's sole-discretion grounds for acting on a Stripe App include (e) impairing the user experience of Stripe Apps on Devices or Stripe Apps, and (f) being defective or improperly functioning so that it is not compatible with the Terminal Services, affects end users' use of them, or affects the integrity of Stripe's servers. If any ground applies, then in addition to all its other remedies, Stripe may (a) reject, disable or suspend the App from being used, and (b) ask the User to update, modify or fix the affected component or use. Apps on Devices is the service and developer tools Stripe provides to deploy Stripe Apps on Terminal Products.

Supporting quotations

(e) impair the user experience of Stripe Apps on Devices or Stripe Apps; or
(f) is defective or improperly functioning such that it is: (i) not compatible with the Stripe Terminal Services; (ii) impacts end users’ use of the Stripe Terminal Services; or (iii) affects the integrity of Stripe’s servers,
then in addition to all other remedies available to Stripe, Stripe may take one or more of the following actions:
(a) reject, disable or suspend User’s Stripe App from being used; and
(b) request that User updates, modifies, or remediates User’s Stripe App to rectify the affected component or usage of User’s Stripe App.
“Apps on Devices” means the application management and distribution service and developer tools provided by Stripe that enable User to deploy Stripe Apps on Stripe Terminal Products.

Qualifications & exceptions

  • Remedies are in addition to all of Stripe's other remedies.
  • The actions can be taken on one or more of the listed options.

Not stated here

  • The terms give no notice or cure period before an App is disabled.

Account & Service Control · Context

References to Documentation mean Stripe Terminal Documentation for Terminal Services, Software and Products

References to Documentation in the Agreement are read as references to Stripe Terminal Documentation for the Terminal Services, Software and Products. Stripe Terminal Documentation includes other documentation Stripe makes available, including by email.

Supporting quotations

2.5 Stripe Terminal Documentation.
References to Documentation in this Agreement will be read as references to Stripe Terminal Documentation, with respect to the Stripe Terminal Services, Stripe Terminal Software and Stripe Terminal Products.
“Stripe Terminal Documentation” means the Documentation, along with other documentation that Stripe makes available to User (including via email), relating to the Stripe Terminal Services, Stripe Terminal Software, or Stripe Terminal Products.

Qualifications & exceptions

  • Documentation can include material Stripe sends by email.

Account & Service Control · Restriction or exception

You may use the Terminal Services only in compliance with the Terminal Purchase Terms and this Agreement

The User may use the Stripe Terminal Services only in compliance with the Terminal Purchase Terms, if applicable, and the Agreement. The Terminal Purchase Terms are the agreement under which a Stripe Entity supplies the Terminal Products the User is using.

Supporting quotations

3. Use of the Stripe Terminal Services.
3.1 General.
User may only use the Stripe Terminal Services in compliance with the Terminal Purchase Terms, if applicable, and this Agreement.
“Terminal Purchase Terms” means the agreement under which a Stripe Entity supplies the Stripe Terminal Products that User is using.

Qualifications & exceptions

  • Terminal Purchase Terms apply if applicable.

Not stated here

  • The Terminal Purchase Terms are a separate agreement and are not supplied.

Account & Service Control · Company practice

These Terminal Terms end automatically if the Stripe Connect Terms end for any reason

These Stripe Terminal Terms automatically terminate if the Stripe Connect Terms terminate for any reason.

Supporting quotations

4. Termination.
These Stripe Terminal Terms automatically terminate if the Stripe Connect Terms terminate for any reason.

Qualifications & exceptions

  • Termination follows the Connect Terms for any reason.

Account & Service Control · Permission or license

Stripe need not monitor your Stripe App but may review or test it at any time and require accurate information

Stripe is not obligated to monitor the User's Stripe App or its content, but may at any time review or test it for compliance with Law, the Agreement, the Stripe Apps Developer Agreement or other terms that apply to the User's relationship with Stripe. Stripe may require the User to give information about itself, such as identification or contact details, as part of submitting its Stripe App and its continued use of Apps on Devices. The User must make sure all information it gives Stripe is and stays accurate, complete and up to date.

Supporting quotations

5.5 Monitoring and Compliance.
Stripe is not obligated to monitor User’s Stripe App or its content, but Stripe may at any time review or test User’s Stripe App for compliance with Law, this Agreement, the Stripe Apps Developer Agreement, or any other terms that apply to User’s relationship with Stripe. Stripe may require User to provide information about itself (such as identification or contact details) as a part of User’s Stripe App’s submission to, and User’s continued use of, Apps on Devices. User must ensure that all information User provides to Stripe is and will always be accurate, complete and up to date.

Qualifications & exceptions

  • Reviews and tests may happen at any time.

Account & Service Control · Permission or license

Stripe may reject, disable or suspend your Stripe App at its sole discretion on listed grounds and require fixes

Notwithstanding anything else in the Agreement, if Stripe decides at its sole discretion that any portion of the User's Stripe App, or its use of Stripe Apps on Terminal Products, (a) violates the IP Rights or other rights of a third party; (b) violates Law or is subject to an injunction; (c) is pornographic, obscene, malicious, offensive or otherwise violates the Agreement, the Apps Developer Agreement or Stripe's Prohibited and Restricted Business List; (d) is likely to cause liability for Stripe or any third party; (e) impairs the user experience of Stripe Apps on Devices or Stripe Apps; or (f) is defective or improperly functioning so that it is not compatible with the Terminal Services, affects end users' use of them, or affects the integrity of Stripe's servers, then in addition to all its other remedies Stripe may (a) reject, disable or suspend the App from being used and (b) ask the User to update, modify or fix the affected component or use.

Supporting quotations

5.6 Services Restrictions.
Notwithstanding anything to the contrary in this Agreement, if Stripe determines at its sole discretion that any portion of User’s Stripe App, or User’s use of Stripe Apps on the Stripe Terminal Products:
(a) violates the IP Rights or any other rights of a third party;
(b) violates Law or is subject to an injunction;
(c) is pornographic, obscene, malicious, offensive or otherwise violates this Agreement, the Stripe Apps Developer Agreement, or Stripe's Prohibited and Restricted Business List;
(d) is likely to cause liability for Stripe or any third party;
(e) impair the user experience of Stripe Apps on Devices or Stripe Apps; or
(f) is defective or improperly functioning such that it is: (i) not compatible with the Stripe Terminal Services; (ii) impacts end users’ use of the Stripe Terminal Services; or (iii) affects the integrity of Stripe’s servers,
then in addition to all other remedies available to Stripe, Stripe may take one or more of the following actions:
(a) reject, disable or suspend User’s Stripe App from being used; and
(b) request that User updates, modifies or remediates User’s Stripe App to rectify the affected component or usage of User’s Stripe App.

Qualifications & exceptions

  • Each ground depends on Stripe's sole-discretion determination.
  • Remedies are in addition to all of Stripe's other remedies.

Not stated here

  • The terms give no notice or cure period before an App is disabled.

Account & Service Control · Permission or license

RSP may decline, delay, freeze or reverse transactions, restrict access, and remove funds pending investigation

RSP may decline, delay, freeze or reverse a Financial Account Transaction or part of one, restrict access to the User's Financial Account or its information, or remove funds from the account to hold them pending investigation, to protect the User, RSP or RSP's Affiliates, or to comply with Financial Account Regulatory Requirements or other legal obligations.

Supporting quotations

4. Restricting or Closing User’s Financial Account.
4.1 Restricting User’s Financial Account.
RSP may decline, delay, freeze, or reverse a Financial Account Transaction or part of a Financial Account Transaction, restrict access to User’s Financial Account or information on User’s Financial Account, or remove funds from User’s Financial Account to hold them pending investigation to protect User, RSP, or RSP’s Affiliates, or to comply with Financial Account Regulatory Requirements or other legal obligations.

Qualifications & exceptions

  • Actions are tied to protection or legal compliance.

Not stated here

  • The terms give no notice period before RSP acts.

Account & Service Control · Permission or license

RSP may move your information to a replacement Financial Account and move custodial accounts to another institution

RSP may transfer the User's documentation and information, including Personal Data, to a replacement Financial Account and account number, including if the account is reported as compromised or RSP reasonably believes it is necessary to protect its security. RSP may also move its Custodial Accounts, and therefore the User's Financial Account, to a different financial institution. A Custodial Account is a custodial account RSP maintains in its own name at the Treasury Bank for the benefit of all accountholders using the Treasury Services.

Supporting quotations

4.2 Replacement Financial Account.
RSP may transfer User’s documentation and information (including Personal Data) to a replacement Financial Account and account number, including if User’s Financial Account is reported as compromised, or if RSP reasonably believes it is necessary to protect User’s Financial Account’s security. RSP may move RSP’s Custodial Accounts (and therefore User’s Financial Account) to a different financial institution.
“Custodial Account” means a custodial account that RSP maintains, in its name, at the Treasury Bank, for the benefit of all accountholders using the Stripe Treasury Services.

Qualifications & exceptions

  • Moving information is tied to compromise or security protection.
  • Moving Custodial Accounts has no stated condition.

Not stated here

  • The terms do not require notice before a move.

Account & Service Control · Permission or license

RSP may close your account any time on notice; you may close it by notice; RSP may require you to withdraw the balance

RSP may close the User's Financial Account at any time for any reason on notice to the User. The User may close it at any time by notifying Stripe. If the balance is above $0, after RSP deducts fees, expenses, claims and other deductions it may make, RSP may require the User to withdraw the remaining balance before closing.

Supporting quotations

4.3 Closing User’s Financial Account.
(a) By RSP. RSP may close User’s Financial Account at any time for any reason upon notice to User.
(b) By User. User may close User’s Financial Account at any time by giving notice to Stripe. If User’s account balance is greater than $0, after RSP deducts fees, expenses, claims, and other deductions that RSP has the right to make, RSP may require User to withdraw the remaining balance before RSP closes User’s Financial Account.

Qualifications & exceptions

  • RSP's closing right needs notice but no reason.
  • RSP may require withdrawal of any remaining balance first.

Not stated here

  • No notice period is stated for RSP's closure.

Account & Service Control · Restriction or exception

Your use may be subject to additional terms from your Stripe Connect Platform, provided when you request access

The User acknowledges that its use of the Treasury for Platforms Services may be subject to additional terms specific to its Stripe Connect Platform, which the platform will provide when the User requests access to the services.

Supporting quotations

2.2 Acknowledgment.
User acknowledges that User’s use of the Stripe Treasury for Platforms Services may be subject to additional terms specific to User’s Stripe Connect Platform, which User’s Stripe Connect Platform will provide at the time User requests access to the Stripe Treasury for Platforms Services.

Not stated here

  • The platform-specific terms are not part of this saved text.

Account & Service Control · Permission or license

You authorize RSP to act on your platform's instructions on your account, and must give it your users' details

The User authorizes RSP to accept instructions from its Stripe Connect Platform on Financial Account Transactions, to manage the Financial Account and to take other action on it. The User must give the platform all information about its Treasury for Platforms Authorized Users (individuals it authorizes to use the services), any agent appointed under a power of attorney, and the electronic credentials such as logins for its Financial Account, and must immediately give updated information if it changes.

Supporting quotations

3. Treasury for Platforms Authorized Users.
3.1 Instructions from Stripe Connect Platform.
User authorizes RSP to accept instructions from User’s Stripe Connect Platform with respect to Financial Account Transactions, manage User’s Financial Account and take other action on User’s Financial Account. User must provide User’s Stripe Connect Platform with all information regarding User’s Treasury for Platforms Authorized Users, any agent appointed under an applicable power of attorney, and the electronic credentials (such as logins) for User’s Financial Account, and User must immediately provide User’s Stripe Connect Platform with updated information if that information changes.
"Treasury for Platforms Authorized User" means an individual that a Stripe Treasury for Platforms Accountholder authorizes to use the Stripe Treasury for Platforms Services.

Qualifications & exceptions

  • RSP acts on the platform's instructions, not only the User's.
  • Updates must be immediate.

Account & Service Control · Restriction or exception

You must give your platform at least 5 business days' notice before changing your form of ownership or Authorized Users

The User must notify its Stripe Connect Platform at least 5 business days before making any change to (a) its form of ownership, such as changing from a sole proprietor to a limited liability company or corporation, or (b) its Treasury for Platforms Authorized Users.

Supporting quotations

User must notify User’s Stripe Connect Platform at least 5 business days before making any change to (a) User’s form of ownership (such as changing from a sole proprietor to a limited liability company or corporation); or (b) User’s Treasury for Platforms Authorized Users.

Qualifications & exceptions

  • Notice is due at least 5 business days ahead of the change.

Account & Service Control · Restriction or exception

An agent under a power of attorney needs a form your platform and RSP accept, and they may rely on a copy

If the User appoints an agent under a power of attorney to manage the Financial Account, the power of attorney must be in a form acceptable to its Stripe Connect Platform and RSP. RSP and the platform may rely on a copy of the power of attorney and are not required to confirm its validity.

Supporting quotations

3.2 Agents.
If User chooses to appoint an agent under a power of attorney to manage the Financial Account, the power of attorney must be in a form acceptable to User’s Stripe Connect Platform and RSP. RSP and User’s Stripe Connect Platform may rely on a copy of the power of attorney and are not required to confirm its validity.

Qualifications & exceptions

  • The platform and RSP need not confirm the power of attorney is valid.

Account & Service Control · Permission or license

RSP may attach conditions such as a surety bond to platform instructions and refuse risky or doubtful ones

If RSP chooses to follow an instruction its Stripe Connect Platform sends for the User, RSP may impose any condition, including requiring a surety bond or an indemnity agreement in a form satisfactory to RSP. RSP may refuse an instruction from the platform if it believes (a) the instruction is fraudulent or the User did not authorize it; (b) there are multiple or conflicting instructions; (c) an Authorized User or agent is exceeding their authority; or (d) complying may expose RSP or its Affiliates to liability.

Supporting quotations

3.3 Instructions.
If RSP chooses to comply with an instruction that User’s Stripe Connect Platform transmits, RSP may impose any condition, including requiring that User provide RSP with a surety bond or put in place an indemnity agreement in a form that is satisfactory to RSP. RSP may refuse to comply with an instruction from User’s Stripe Connect Platform if RSP believes that:
(a) the instruction is fraudulent or User did not authorize it;
(b) there are multiple or conflicting instructions;
(c) User’s Treasury for Platforms Authorized User or agent is exceeding their authority in giving the instruction; or
(d) complying with the instruction may expose RSP or its Affiliates to liability.

Qualifications & exceptions

  • Refusal depends on RSP's belief.
  • RSP may attach any condition when it chooses to comply.

Account & Service Control · Company practice

After closure, RSP enables your platform to give you access to your account history for 60 days

After the User's Financial Account is closed, RSP will enable the User's Stripe Connect Platform to provide the User access to its Financial Account history for 60 days.

Supporting quotations

7. Closing User’s Financial Account.
7.1 Closing User’s Financial Account.
After User’s Financial Account is closed, RSP will enable User’s Stripe Connect Platform to provide User access to User’s Financial Account history for 60 days.

Qualifications & exceptions

  • Access is through the platform and lasts 60 days.

Account & Service Control · Context

Definitions: Connected Account, Stripe Connect Platform, Stripe Connect Services and Accountholder

A Connected Account is a Platform User with a Stripe Account onboarded to a Stripe Connect Platform through the Stripe Connect Services, or a Payout Recipient. A Stripe Connect Platform is a platform provider that uses the Stripe Connect Services. The Stripe Connect Services are, for a Connect Platform, the Services that let it create, manage and enable Services for its Connected Accounts and let it or them use the Stripe Payments Services, and for a Connected Account, the Services described in the Connected Account Agreement. A Treasury for Platforms Accountholder is a Connected Account, or a Connect Platform using the services for its own business, that has completed onboarding in the Dashboard.

Supporting quotations

8. Definitions.
“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.
“Stripe Connect Platform” means a platform provider that uses the Stripe Connect Services.
“Stripe Connect Services" means (a) if User is a Stripe Connect Platform, the Services that allow User to (i) create, manage and enable Services for User’s Connected Accounts, as described in the Stripe Connect Infrastructure Terms; and (ii) enable User or User’s Connected Accounts to use the Stripe Payments Services, as described in the Stripe Connect Terms (if applicable); or (b) if User is a Connected Account, the Services described in the Connected Account Agreement.
“Stripe Treasury for Platforms Accountholder” means a Connected Account, or Stripe Connect Platform using the Stripe Treasury for Platforms Services for User’s own business purpose, who has successfully completed the onboarding requirements in the Stripe Treasury for Platforms Dashboard.

Not stated here

  • The Connected Account Agreement is a separate document and is not supplied.

Account & Service Control · Restriction or exception

You must not offer Treasury for Platforms to Connected Accounts outside the Territory or let them use it there

The User must not offer, market or otherwise make the Treasury for Platforms Services available to Connected Accounts outside the Treasury for Platforms Territory, and must make sure no Connected Account uses them outside it. The Territory is the United States and Puerto Rico, or other jurisdictions Stripe permits, as the Documentation describes.

Supporting quotations

2. Access to the Stripe Treasury for Platforms Services.
User must not offer, market or otherwise make the Stripe Treasury for Platforms Services available to Connected Accounts located outside of the Stripe Treasury for Platforms Territory. User must ensure that no Connected Account uses the Stripe Treasury for Platforms Services outside of the Stripe Treasury for Platforms Territory.
“Stripe Treasury for Platforms Territory” means the United States and Puerto Rico, or such other jurisdictions Stripe permits, as further described in the Documentation.
“Stripe Treasury for Platforms Services” means the Services that enable a Treasury for Platforms Accountholder to create and maintain a Financial Account where the Treasury for Platforms Accountholder can (a) store, spend, and manage funds; and (b) make electronic payments and funds transfers to and from that account.

Qualifications & exceptions

  • The Territory can include other jurisdictions Stripe permits.

Account & Service Control · Restriction or exception

You must make sure each Connected Account completes onboarding, and a Stripe Entity and the bank must approve it

The User must make sure each Connected Account that wants to use the Treasury for Platforms Services successfully completes the onboarding requirements in Section 3.3 (Information and Consent). A Stripe Entity and the applicable Treasury for Platforms Bank must both approve each Connected Account during onboarding before it uses the services. The Treasury for Platforms Bank is a bank through which a Stripe Entity holds Accountholder funds.

Supporting quotations

3. Onboarding Connected Accounts.
3.1 General Responsibility.
User must ensure that each Connected Account that wishes to access the Stripe Treasury for Platforms Services successfully completes the onboarding requirements described in Section 3.3 (Information and Consent).
3.2 Approval of Connected Account.
A Stripe Entity, as well as the applicable Treasury for Platforms Bank, must approve each Connected Account as part of the onboarding process before the Connected Account uses the Stripe Treasury for Platforms Services.
“Treasury for Platforms Bank” means a bank through which a Stripe Entity holds Treasury for Platforms Accountholder funds.

Qualifications & exceptions

  • Both a Stripe Entity and the bank must approve before use.

Account & Service Control · Restriction or exception

You must ensure Connected Accounts agree to the Accountholder Terms and Connected Account Agreement, and prove it

The User must make sure each Connected Account User that intends to onboard as an Accountholder agrees to the Treasury for Platforms Accountholder Terms and the Connected Account Agreement before accessing the services. On Stripe's request the User must give the proof Stripe requires that those terms are binding on the Connected Account. If Stripe believes the User's acceptance process does not create a binding agreement between Stripe and the Connected Account, the User must change that process as Stripe requires when it asks.

Supporting quotations

(b) ensure that each Connected Account User that intends to onboard as a Stripe Treasury for Platforms Accountholder agrees to the Stripe Treasury for Platforms Accountholder Terms and the Connected Account Agreement before accessing the Stripe Treasury for Platforms Services. At Stripe’s request, User must provide proof as Stripe requires that the Stripe Treasury for Platforms Accountholder Terms and the Connected Account Agreement are binding on the Connected Account. If Stripe believes that User’s existing acceptance process does not create a binding agreement between Stripe and the Connected Account, then, upon Stripe’s request, User must modify that process as Stripe requires;

Qualifications & exceptions

  • Agreement must come before the Connected Account accesses the services.
  • The duty to change the acceptance process arises on Stripe's belief and request.

Account & Service Control · Restriction or exception

You must tell Connected Accounts about approval, suspension and terms changes, and stop serving those who decline

The User must (c) tell each Connected Account if Stripe approves its access, and promptly tell a Connected Account that has become an Accountholder if Stripe suspends or ends its access; and (d) tell Accountholders of all changes to the Accountholder Terms and make sure they agree to them. If an Accountholder does not agree to the changed terms, the User must immediately stop making the services available to that Accountholder.

Supporting quotations

User must:
(c) notify each Connected Account if Stripe approves its access to the Stripe Treasury for Platforms Services, and promptly notify a Connected Account that becomes a Stripe Treasury for Platforms Accountholder if Stripe suspends or terminates its access to the Stripe Treasury for Platforms Services; and
(d) notify Stripe Treasury for Platforms Accountholders of all changes to the Stripe Treasury for Platforms Accountholder Terms and ensure that those Stripe Treasury for Platforms Accountholders agree to them. If any Stripe Treasury for Platforms Accountholder does not agree to the modified Stripe Treasury for Platforms Accountholder Terms, then User must immediately stop making the Stripe Treasury for Platforms Services available to that Stripe Treasury for Platforms Accountholder.

Qualifications & exceptions

  • Suspension and termination notices must be prompt.
  • Stopping service to a non-agreeing Accountholder must be immediate.

Account & Service Control · Restriction or exception

You must ensure Accountholders and their Authorized Users comply, help enforce the terms and apply changes

The User must make sure Accountholders, and their Treasury for Platforms Authorized Users, comply with the Accountholder Terms. On Stripe's request it must help enforce those terms against Accountholders and Authorized Users. It must also make sure Accountholders put in place and follow any changes to the Treasury for Platforms Services that Stripe tells it about.

Supporting quotations

4. Responsibility for Stripe Treasury for Platforms Accountholders.
4.1 Stripe Treasury for Platforms Accountholder Terms.
User must ensure that Stripe Treasury for Platforms Accountholders, along with their Treasury for Platforms Authorized Users, comply with the Stripe Treasury for Platforms Accountholder Terms. Upon Stripe’s request, User must assist with enforcing the Stripe Treasury for Platforms Accountholder Terms against Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorized Users. User must ensure that Stripe Treasury for Platforms Accountholders implement and comply with any changes to the Stripe Treasury for Platforms Services, which Stripe will communicate to User.

Qualifications & exceptions

  • Enforcement help is on Stripe's request.

Account & Service Control · Restriction or exception

You must provide and maintain a Treasury for Platforms Dashboard for Accountholders

The User must provide and maintain a Stripe Treasury for Platforms Dashboard for its Accountholders to use.

Supporting quotations

5. Account Management and Support for Stripe Treasury for Platforms Accountholders.
5.1 Dashboard for Stripe Treasury for Platforms Accountholders.
User must provide and maintain a Stripe Treasury for Platforms Dashboard for use by Stripe Treasury for Platforms Accountholders.

Account & Service Control · Restriction or exception

You must promptly integrate with the Stripe API so Stripe can host onboarding

Promptly after Stripe says Stripe-hosted onboarding is available, the User must integrate with the Stripe API as the Documentation directs, in a way that lets (a) a Stripe Entity host onboarding of Accountholders and (b) the User or Stripe, at the User's option, be responsible for Accountholder account management and access to the services.

Supporting quotations

5.2 Integration with Stripe API.
Promptly after Stripe notifies User that Stripe-hosted onboarding is available, User must integrate with the Stripe API according to the Documentation in a way that allows (a) a Stripe Entity to host onboarding of Stripe Treasury for Platforms Accountholders; and (b) User or Stripe, at User’s option, to be responsible for providing Stripe Treasury for Platforms Accountholder account management and access to the Stripe Treasury for Platforms Services.

Qualifications & exceptions

  • The integration is due promptly after Stripe's notice.

Account & Service Control · Restriction or exception

If you run account management, you must pass Stripe's information on unchanged and pass accurate data back

If the User elects to be responsible for Accountholder account management and access to the services, it must pass on to Accountholders, without changes or deletions, all information Stripe and its Affiliates make available for that purpose. It must make sure all information it passes from Accountholders to Stripe and its Affiliates, including account balances, transaction history and customer service issues, is accurate and complete. It must also make sure Connected Account Data is passed to Stripe in the manner the Documentation prescribes. Connected Account Data is data about Connected Accounts and Activity, which may include Protected Data and Stripe Data.

Supporting quotations

5.3 Obligation to Pass On Information.
(a) If User elects to be responsible for providing Stripe Treasury for Platforms Accountholder account management and access to the Stripe Treasury for Platforms Services, then User must pass on to the Stripe Treasury for Platforms Accountholders, without changes or deletions, all information that Stripe and its Affiliates make available for User to pass on to them. User must ensure that all information, including account balances, transaction history and customer service issues, that User passes from the Stripe Treasury for Platforms Accountholders to Stripe and its Affiliates is accurate and complete.
(b) User must ensure that Connected Account Data is passed to Stripe in the manner prescribed in the Documentation.
“Connected Account Data” means data about Connected Accounts and Activity, which may include Protected Data and Stripe Data.

Qualifications & exceptions

  • Applies if the User elects to be responsible for account management and access.

Not stated here

  • The Documentation's prescribed manner is not supplied.

Account & Service Control · Restriction or exception

You must provide all support to Accountholders and Authorized Users per the Product Guidelines

The User must provide all support to Accountholders and Treasury for Platforms Authorized Users according to the Stripe Treasury for Platforms Product Guidelines. The Product Guidelines are all product design, marketing, compliance, reporting and other guidelines and requirements a Stripe Entity or the applicable bank establishes from time to time for the services.

Supporting quotations

5.6 Support.
User must provide all support to Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorized Users according to the Stripe Treasury for Platforms Product Guidelines.
“Stripe Treasury for Platforms Product Guidelines” means all product design, marketing, compliance, reporting and other guidelines and requirements established by a Stripe Entity or the applicable Treasury for Platforms Banks from time to time in connection with the Stripe Treasury for Platforms Services.

Qualifications & exceptions

  • The guidelines can be changed by Stripe or the bank from time to time.

Not stated here

  • The Product Guidelines are not supplied.

Account & Service Control · Restriction or exception

You need Stripe's prior approval before distributing any marketing materials for the service

The User must not distribute or share any marketing materials about the Treasury for Platforms Services without Stripe's prior approval, and must submit all marketing materials to Stripe through a process Stripe tells it about.

Supporting quotations

6.3 Marketing.
User must not distribute or share any marketing materials relating to the Stripe Treasury for Platforms Services without Stripe’s prior approval. User must submit all marketing materials to Stripe using a process Stripe communicates to User.

Qualifications & exceptions

  • Approval must come before distribution.

Account & Service Control · Company practice

These Platform Terms end automatically if the Stripe Connect Terms end for any reason

These Stripe Treasury for Platforms - Platform Terms terminate automatically if the Stripe Connect Terms terminate for any reason.

Supporting quotations

10. Termination.
These Stripe Treasury for Platforms - Platform Terms automatically terminate if the Stripe Connect Terms terminate for any reason.

Qualifications & exceptions

  • Termination follows the Connect Terms for any reason.

Account & Service Control · Restriction or exception

UK: your use may be subject to additional terms from your Stripe Connect Platform

The User acknowledges its use of the Treasury for Platforms Services may be subject to additional terms specific to its Stripe Connect Platform, which the platform will provide when the User requests access.

Supporting quotations

2. Use of the Stripe Treasury for Platforms Services.
User acknowledges that User’s use of the Stripe Treasury for Platforms Services may be subject to additional terms specific to User’s Stripe Connect Platform, which User’s Stripe Connect Platform will provide at the time User requests access to the Stripe Treasury for Platforms Services.

Not stated here

  • The platform-specific terms are not part of this saved text.

Account & Service Control · Restriction or exception

UK: if you open an account for a sole proprietorship, you represent and warrant you are its sole owner

The User represents as of the date it asks to open a Financial Account, and warrants at all times during the Term, that if it is an individual opening the account for a sole proprietorship, it is the sole owner of that business.

Supporting quotations

3. Set up and Operation of the Stripe Treasury for Platforms Account.
3.1 Representation and Warranty.
User represents as of the date User requests to open a Financial Account, and warrants at all times during the Term, that, if User is an individual opening the Financial Account for a business that is a sole proprietorship, User is the sole owner of that business.

Qualifications & exceptions

  • Applies to an individual opening an account for a sole proprietorship.
  • The warranty applies at all times during the Term.

Account & Service Control · Permission or license

UK: you authorise Stripe to act on your platform's instructions on your account, and must give it your users' details

The User authorises Stripe to accept instructions from its Stripe Connect Platform on Financial Account Transactions, to manage the Financial Account and to take other actions on it. The User must give the platform all information about its Treasury for Platforms Authorised Users, any agent appointed under a power of attorney, and the electronic credentials such as logins for its Financial Account, and must immediately give updated information if it changes.

Supporting quotations

4. Treasury for Platforms Authorised Users.
4.1 Instructions from Stripe Connect Platform.
User authorises Stripe to accept instructions from User’s Stripe Connect Platform with respect to Financial Account Transactions, manage User’s Financial Account and take other actions on User’s Financial Account. User must provide User’s Stripe Connect Platform with all information regarding User’s Treasury for Platforms Authorised Users, any agent appointed under an applicable power of attorney, and the electronic credentials (such as logins) for User’s Financial Account, and User must immediately provide User’s Stripe Connect Platform with updated information if that information changes.

Qualifications & exceptions

  • Updates must be immediate.

Account & Service Control · Restriction or exception

UK: you must give your platform at least 5 business days' notice before changing ownership form or Authorised Users

The User must notify its Stripe Connect Platform at least 5 business days before making any change to (a) its form of ownership, such as changing from a sole proprietor to a limited liability company, or (b) its Treasury for Platforms Authorised Users.

Supporting quotations

User must notify User’s Stripe Connect Platform at least 5 business days before making any change to (a) User’s form of ownership (such as changing from a sole proprietor to a limited liability company); or (b) User’s Treasury for Platforms Authorised Users.

Qualifications & exceptions

  • Notice is due at least 5 business days ahead of the change.

Account & Service Control · Restriction or exception

UK: an agent under a power of attorney needs a form your platform and RSP accept, and they may rely on a copy

If the User appoints an agent under a power of attorney to manage the Financial Account, the power of attorney must be in a form acceptable to its Stripe Connect Platform and RSP. RSP and the platform may rely on a copy and are not required to confirm its validity.

Supporting quotations

4.2 Agents.
If User chooses to appoint an agent under a power of attorney to manage the Financial Account, the power of attorney must be in a form acceptable to User’s Stripe Connect Platform and RSP. RSP and User’s Stripe Connect Platform may rely on a copy of the power of attorney and are not required to confirm its validity.

Qualifications & exceptions

  • The platform and RSP need not confirm the power of attorney is valid.

Account & Service Control · Permission or license

UK: RSP may impose any condition it deems reasonable on platform instructions and refuse those Stripe believes doubtful

If RSP chooses to follow an instruction its Stripe Connect Platform sends, RSP may impose any condition it deems reasonable before carrying it out. RSP may refuse an instruction from the platform if Stripe believes (a) it is fraudulent or the User did not authorise it; (b) there are multiple or conflicting instructions; (c) an Authorised User or agent is exceeding their authority; or (d) complying may expose RSP or its Affiliates to liability. The UK version does not mention the surety bond or indemnity example in the US version.

Supporting quotations

4.3 Instructions.
If RSP chooses to comply with an instruction that User’s Stripe Connect Platform transmits, RSP may impose any condition that it deems reasonable prior to carrying out the instruction. RSP may refuse to comply with an instruction from User’s Stripe Connect Platform if Stripe believes that:
(a) the instruction is fraudulent or User did not authorise it;
(b) there are multiple or conflicting instructions;
(c) User’s Treasury for Platforms Authorised User or agent is exceeding their authority in giving the instruction; or
(d) complying with the instruction may expose RSP or its Affiliates to liability.

Qualifications & exceptions

  • Refusal depends on Stripe's belief.
  • RSP decides which conditions are reasonable.

Account & Service Control · Restriction or exception

UK: you access your account via the Dashboard and your platform's channels, and must follow its documentation

The User may access its Treasury for Platforms Account and the services through the Treasury for Platforms Dashboard, and by any other means its Stripe Connect Platform provides. It may use the Dashboard to view its Account Information and conduct Financial Account Transactions, including adding funds, transferring funds and paying third parties. If it uses other Services connected to the account or Dashboard, additional terms may apply. The User must use the Dashboard only in line with the documentation its platform provides.

Supporting quotations

5.1 Accessing User’s Stripe Treasury for Platforms Account.
User may access its Stripe Treasury for Platforms Account and the Stripe Treasury for Platforms Services through the Treasury for Platforms Dashboard, and by any other means User’s Stripe Connect Platform makes available to User. User may use the Treasury for Platforms Dashboard to view User’s Stripe Treasury for Platforms Account Information and conduct Financial Account Transactions, including adding funds to User’s Financial Account, transferring funds, and making payments from User’s Financial Account to third parties. If User uses other Services made available to User in connection with User’s Stripe Treasury for Platforms Account or the Treasury for Platforms Dashboard, as applicable, additional terms may apply to those Services. User must use the Treasury for Platforms Dashboard only in compliance with the documentation that User’s Stripe Connect Platform makes available to User.

Qualifications & exceptions

  • Other Services may carry additional terms.

Account & Service Control · Restriction or exception

UK: you warrant you are a resident Territory business or non-profit, compliant, with no benefit to restricted businesses

The User represents on the date it first uses the services, and warrants at all times during the Term, that (a) it is engaged in a commercial business enterprise (which may be as a sole proprietor) or a non-profit organisation organised and operating in the Treasury for Platforms Territory; (b) it resides in the Territory; (c) it complies with all Financial Account Regulatory Requirements in connection with its use; and (d) it does not use the services to enable any individual or entity, including itself, to benefit from any Prohibited or Restricted Business.

Supporting quotations

5.3 Representations and Warranties.
User represents on the date User first uses the Stripe Treasury for Platforms Services, and warrants at all times during the Term, that:
(a) User is engaged in a commercial business enterprise (which may be as a sole proprietor) or a non-profit organisation organised and operating in the Stripe Treasury for Platforms Territory;
(b) User resides in the Stripe Treasury for Platforms Territory;
(c) User complies with all Financial Account Regulatory Requirements in connection with User’s use of the Stripe Treasury for Platforms Services; and
(d) User does not use the Stripe Treasury for Platforms Services to enable any individual or entity (including User) to benefit from any Prohibited or Restricted Business.

Qualifications & exceptions

  • The warranty applies at all times during the Term.
  • Non-profit organisations are allowed in the UK version.

Not stated here

  • The Prohibited or Restricted Business List is a separate document and is not supplied.

Account & Service Control · Company practice

UK: after closure your platform can give you account history access for 60 days unless regulation requires otherwise

Unless the Financial Account Regulatory Requirements require otherwise, after the User's Treasury for Platforms Account is closed, RSP will enable its Stripe Connect Platform to provide the User access to the account history for 60 days.

Supporting quotations

10. Restricting or Closing User’s Financial Account.
10.1 Closing User’s Stripe Treasury for Platforms Account.
Unless otherwise required under Financial Account Regulatory Requirements, after User’s Stripe Treasury for Platforms Account is closed, RSP will enable User’s Stripe Connect Platform to provide User access to User’s Stripe Treasury for Platforms Account history for 60 days.

Qualifications & exceptions

  • Access is through the platform and lasts 60 days, unless the Regulatory Requirements require otherwise.

Account & Service Control · Restriction or exception

UK: you must not offer the service to ineligible Connected Accounts or outside the Territory, or let them use it there

The User must not offer the Treasury for Platforms Services to ineligible Connected Accounts. It must not offer, market or otherwise make the services available to Connected Accounts located outside the Treasury for Platforms Territory, and must make sure no Connected Account uses them outside it.

Supporting quotations

1. Stripe Treasury for Platforms Services.
User must not offer the Stripe Treasury for Platforms Services to ineligible Connected Accounts.
2. Access to the Stripe Treasury for Platforms Services.
User must not offer, market or otherwise make the Stripe Treasury for Platforms Services available to Connected Accounts located outside of the Stripe Treasury for Platforms Territory. User must ensure that no Connected Account uses the Stripe Treasury for Platforms Services outside of the Stripe Treasury for Platforms Territory.

Qualifications & exceptions

  • Eligibility criteria are not set out in this section.

Not stated here

  • What makes a Connected Account ineligible is not stated here.

Account & Service Control · Restriction or exception

UK: you must ensure Connected Accounts complete onboarding, and Stripe must approve each before use

The User must make sure each Connected Account that wants to use the services successfully completes the onboarding requirements in Section 3.2 (Information and Consent). Stripe must approve each Connected Account as part of onboarding before it uses the services.

Supporting quotations

3. Onboarding Connected Accounts.
3.1 General Responsibility.
User must ensure that each Connected Account that wishes to access the Stripe Treasury for Platforms Services successfully completes the onboarding requirements described in Section 3.2 (Information and Consent). Stripe must approve each Connected Account as part of the onboarding process before the Connected Account uses the Stripe Treasury for Platforms Services.

Qualifications & exceptions

  • Stripe's approval must come before use.

Not stated here

  • The UK version requires approval by Stripe only; the US version also requires the bank's approval.

Account & Service Control · Restriction or exception

UK: you must ensure Connected Accounts agree to the Accountholder Terms and Connected Account Agreement, and prove it

The User must make sure each Connected Account User that intends to onboard as an Accountholder agrees to the Accountholder Terms and the Connected Account Agreement before accessing the services. On Stripe's request the User must give the proof Stripe requires that the Accountholder Terms are binding on the Connected Account. If Stripe believes the User's acceptance process does not create a binding agreement between Stripe and the Connected Account, the User must change it as Stripe requires when asked.

Supporting quotations

(b) ensure that each Connected Account User intends to onboard as a Stripe Treasury for Platforms Accountholder agrees to the Stripe Treasury for Platforms Accountholder Terms and the Connected Account Agreement before accessing the Stripe Treasury for Platforms Services. At Stripe’s request, User must provide proof as Stripe requires that the Stripe Treasury for Platforms Accountholder Terms are binding on the Connected Account. If Stripe believes that User's existing acceptance process does not create a binding agreement between Stripe and the Connected Account, then, upon Stripe’s request, User must modify that process as Stripe requires;

Qualifications & exceptions

  • Agreement must come before the Connected Account accesses the services.

Account & Service Control · Restriction or exception

UK: you must tell Connected Accounts about approval, suspension and terms changes, and stop serving those who decline

The User must (c) tell each Connected Account if Stripe approves its access, and promptly tell a Connected Account that has become an Accountholder if Stripe suspends or ends its access; and (d) tell Accountholders of all changes to the Accountholder Terms and make sure they agree. If an Accountholder does not agree to the changed terms, the User must immediately stop making the services available to it.

Supporting quotations

User must:
(c) notify each Connected Account if Stripe approves its access to the Stripe Treasury for Platforms Services, and promptly notify a Connected Account that becomes a Stripe Treasury for Platforms Accountholder if Stripe suspends or terminates its access to the Stripe Treasury for Platforms Services; and
(d) notify Stripe Treasury for Platforms Accountholders of all changes to the Stripe Treasury for Platforms Accountholder Terms and ensure that those Stripe Treasury for Platforms Accountholders agree to them. If any Stripe Treasury for Platforms Accountholder does not agree to the modified Stripe Treasury for Platforms Accountholder Terms, then User must immediately stop making the Stripe Treasury for Platforms Services available to that Stripe Treasury for Platforms Accountholder.

Qualifications & exceptions

  • Suspension and termination notices must be prompt.
  • Stopping service to a non-agreeing Accountholder must be immediate.

Account & Service Control · Restriction or exception

UK: you must ensure Accountholders and their Authorised Users comply, help enforce the terms and apply changes

The User must make sure Accountholders, and their Treasury for Platforms Authorised Users, comply with the Accountholder Terms. On Stripe's request it must help enforce those terms against them. It must also make sure Accountholders put in place and follow any changes to the services that Stripe tells it about.

Supporting quotations

4. Responsibility for Stripe Treasury for Platforms Accountholders.
4.1 Stripe Treasury for Platforms Accountholder Terms.
User must ensure that Stripe Treasury for Platforms Accountholders, along with their Treasury for Platforms Authorised Users, comply with the Stripe Treasury for Platforms Accountholder Terms. Upon Stripe’s request, User must assist with enforcing the Stripe Treasury for Platforms Accountholder Terms against Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorised Users. User must ensure that Stripe Treasury for Platforms Accountholders implement and comply with any changes to the Stripe Treasury for Platforms Services, which Stripe will communicate to User.

Qualifications & exceptions

  • Enforcement help is on Stripe's request.

Account & Service Control · Restriction or exception

UK: you must provide and maintain a Treasury for Platforms Dashboard for Accountholders

The User must provide and maintain a Stripe Treasury for Platforms Dashboard for its Accountholders to use.

Supporting quotations

5. Account Management and Support for Stripe Treasury for Platforms Accountholders.
5.1 Dashboard for Stripe Treasury for Platforms Accountholders.
User must provide and maintain a Stripe Treasury for Platforms Dashboard for use by Stripe Treasury for Platforms Accountholders.

Account & Service Control · Restriction or exception

UK: you must promptly integrate with the Stripe API so Stripe can host onboarding

Promptly after Stripe says Stripe-hosted onboarding is available, the User must integrate with the Stripe API as the Documentation directs, in a way that lets (a) a Stripe Entity host onboarding of Accountholders and (b) the User or Stripe, at the User's option, be responsible for Accountholder account management and access to the services.

Supporting quotations

5.2 Integration with Stripe API.
Promptly after Stripe notifies User that Stripe-hosted onboarding is available, User must integrate with the Stripe API according to the Documentation in a way that allows (a) a Stripe Entity to host onboarding of Stripe Treasury for Platforms Accountholders; and (b) User or Stripe, at User's option, to be responsible for providing Stripe Treasury for Platforms Accountholder account management and access to the Stripe Treasury for Platforms Services.

Qualifications & exceptions

  • The integration is due promptly after Stripe's notice.

Account & Service Control · Restriction or exception

UK: if you run account management, you must pass Stripe's information on unchanged and pass accurate data back

If the User elects to be responsible for Accountholder account management and access to the services, it must pass on to Accountholders, without changes or deletions, all information Stripe makes available for that purpose. It must make sure all information it passes from Accountholders to Stripe and its Affiliates, including account balances, transaction history and customer service issues, is accurate and complete. It must also make sure Connected Account Data is passed to Stripe in the manner the Documentation prescribes. Connected Account Data is data about Connected Accounts and Activity, which may include Protected Data and Stripe Data.

Supporting quotations

5.3 Obligation to Pass On Information.
(a) If User elects to be responsible for providing Stripe Treasury for Platforms Accountholder account management and access to the Stripe Treasury for Platforms Services, then User must pass on to the Stripe Treasury for Platforms Accountholders, without changes or deletions, all information that Stripe makes available for User to pass on to them. User must ensure that all information, including account balances, transaction history and customer service issues, that User passes from the Stripe Treasury for Platforms Accountholders to Stripe and its Affiliates is accurate and complete.
(b) User must ensure that Connected Account Data is passed to Stripe in the manner prescribed in the Documentation.
“Connected Account Data” means data about Connected Accounts and Activity, which may include Protected Data and Stripe Data.

Qualifications & exceptions

  • Applies if the User elects to be responsible for account management and access.

Not stated here

  • The Documentation's prescribed manner is not supplied.

Account & Service Control · Restriction or exception

UK: you must provide all support to Accountholders and Authorised Users per the Product Guidelines

The User must provide all support to Accountholders and Treasury for Platforms Authorised Users according to the Stripe Treasury for Platforms Product Guidelines.

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5.7 Support.
User must provide all support to Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorised Users according to the Stripe Treasury for Platforms Product Guidelines.

Not stated here

  • The Product Guidelines are not supplied.

Account & Service Control · Restriction or exception

UK: you must ensure Accountholders and Authorised Users use the services for business purposes only

The User must make sure Accountholders and Treasury for Platforms Authorised Users use the Treasury for Platforms Services for business purposes only.

Supporting quotations

(e) ensure that Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorised Users use the Stripe Treasury for Platforms Services for business purposes only.

Account & Service Control · Restriction or exception

UK: you need Stripe's prior approval before sharing marketing materials, but may use unmodified templates

The User must not distribute or share any marketing materials about the Treasury for Platforms Services without Stripe's prior approval, and must submit all marketing materials to Stripe through a process Stripe tells it about. Stripe may provide template marketing materials, which the User may use without further approval as long as it does not modify them.

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6.3 Marketing.
User must not distribute or share any marketing materials relating to the Stripe Treasury for Platforms Services without Stripe’s prior approval. User must submit all marketing materials to Stripe using a process Stripe communicates to User. Stripe may provide template marketing materials to User, which User may use without further Stripe approval as long as the template marketing materials are not modified.

Qualifications & exceptions

  • Approval must come before distribution.
  • Templates need no further approval only if left unmodified.

Account & Service Control · Restriction or exception

UK: you must give Accountholders a dispute channel, pass disputes to Stripe at once and never block them

The User must provide a channel through which Accountholders can submit disputes to it. It must immediately submit any disputes it receives to Stripe through the Stripe API or Dashboard. It must not interfere with an Accountholder's ability to dispute a Financial Account Transaction.

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8. Disputes
8.1 Disputes
User must provide a channel through which Stripe Treasury for Platforms Accountholders can submit disputes to User. User must immediately submit any disputes User receives to Stripe through the Stripe API or the Stripe Dashboard. User must not interfere with any Stripe Treasury for Platforms Accountholder’s ability to dispute a Financial Account Transaction.

Qualifications & exceptions

  • Disputes must be passed on immediately.

Account & Service Control · Restriction or exception

UK: you must report Accountholders' fraud and push-payment scam transactions to Stripe at once or help them file

If an Accountholder believes there are fraudulent or unauthorised transactions on a Financial Account, or that it has been the victim of an authorised push payment scam, the User must immediately report the transactions to Stripe by filing a dispute through the Dashboard, or must help the Accountholder file a dispute with Stripe.

Supporting quotations

8.2 Reporting Unauthorised Transactions.
If a Stripe Treasury for Platforms Accountholder believes that there are fraudulent or unauthorised transactions on a Financial Account, or that they have been the victim of an authorised push payment scam, User must immediately report any relevant Financial Account Transactions to Stripe by filing a dispute through the Stripe Dashboard or User must facilitate the Stripe Treasury for Platforms Accountholder in filing a dispute for any such Financial Account Transactions with Stripe.

Qualifications & exceptions

  • Reporting must be immediate.

Account & Service Control · Company practice

UK: these Platform Terms end automatically if the Stripe Connect Terms end for any reason

These UK Platform Terms terminate automatically if the Stripe Connect Terms terminate for any reason.

Supporting quotations

10.3 Termination.
These Stripe Treasury for Platforms (United Kingdom) - Platform Terms automatically terminate if the Stripe Connect Terms terminate for any reason.

Qualifications & exceptions

  • Termination follows the Connect Terms for any reason.

Account & Service Control · Context

Definitions: Treasury for Platforms Accountholder, Administrator and Authorised User

A Treasury for Platforms Accountholder is a Connected Account, or a Connect Platform using the services for its own business purpose, that has completed the onboarding requirements described in the Dashboard. An Administrator is the individual an Accountholder appoints to manage the services on its behalf. An Authorised User is an individual an Accountholder authorises to use the services.

Supporting quotations

“Stripe Treasury for Platforms Accountholder” means a Connected Account, or Stripe Connect Platform using the Stripe Treasury for Platforms Services for User's own business purpose, who has successfully completed the onboarding requirements described in the Stripe Treasury for Platforms Dashboard.
“Stripe Treasury for Platforms Administrator” means the individual that a Stripe Treasury for Platforms Accountholder appoints to manage the Stripe Treasury for Platforms Services on its behalf.
“Treasury for Platforms Authorised User” means an individual that a Stripe Treasury for Platforms Accountholder authorises to use the Stripe Treasury for Platforms Services.

Account & Service Control · Restriction or exception

You access your account via the Dashboard and your platform's channels, and must follow your platform's documentation

The User may access its Financial Account and the Treasury for Platforms Services through the Treasury for Platforms Dashboard, and by any other means its Stripe Connect Platform provides. It may use the Dashboard to view its Account Information and conduct Financial Account Transactions, including adding funds, transferring funds and paying third parties. If it uses other Services connected to the account or Dashboard, additional terms may apply. The User must use the Dashboard only in line with the documentation its platform makes available. The Dashboard is a user interface that Stripe or the platform provides, and Account Information is Personal Data or business information a platform provides for its Connected Accounts so Stripe can check eligibility and provide the services.

Supporting quotations

4.1 Accessing User’s Financial Account.
User may access User’s Financial Account and the Stripe Treasury for Platforms Services through the Stripe Treasury for Platforms Dashboard, and by any other means User’s Stripe Connect Platform makes available to User. User may use the Stripe Treasury for Platforms Dashboard to view User’s Stripe Treasury for Platforms Account Information and conduct Financial Account Transactions, including adding funds to User’s Financial Account, transferring funds, and making payments from User’s Financial Account to third parties. If User uses other Services made available to User in connection with User’s Financial Account or the Stripe Treasury for Platforms Dashboard, as applicable, additional terms may apply to those Services. User must use the Stripe Treasury for Platforms Dashboard only in compliance with the documentation that User’s Stripe Connect Platform makes available to User.
“Stripe Treasury for Platforms Dashboard” means a user interface that Stripe or a Stripe Connect Platform provides that enables a Stripe Treasury for Platforms Accountholder to manage its Financial Account.
“Stripe Treasury for Platforms Account Information” means Personal Data or business information that a Stripe Connect Platform provides on behalf of its Connected Accounts to enable Stripe and its Affiliates to (a) determine the Connected Accounts’ eligibility to access the Stripe Treasury for Platforms Services; (b) make the Stripe Treasury for Platforms Services available to Stripe Treasury for Platforms Accountholders; and (c) fulfill their responsibilities to applicable Treasury Banks and electronic funds transfer networks that Stripe Treasury for Platforms Services use.
“Stripe Treasury for Platforms Services” means the Services that enable a Treasury for Platforms Accountholder to create and maintain a Financial Account where the Treasury for Platforms Accountholder can (a) store, spend, and manage funds; and (b) make electronic payments and funds transfers to and from that account.

Qualifications & exceptions

  • Other Services may carry additional terms.
  • Use must follow the platform's documentation.

Account & Service Control · Restriction or exception

You must be a business in the Territory, avoid foreign wires, follow regulations, report changes, stay sole owner

The User must (a) use the services only for a commercial business enterprise organized in the Treasury for Platforms Territory, meaning the United States and Puerto Rico or other jurisdictions Stripe permits; (b) not send or receive a wire transfer to or from a recipient outside the Transaction Territory; (c) comply with all Financial Account Regulatory Requirements; (d) promptly tell its Stripe Connect Platform of each change to the information it gives RSP and the platform, including country of citizenship, residence, principal place of business, and legal and tax status; and (e) not open a Financial Account for a sole proprietorship unless it is the sole owner, and remain sole owner throughout the Term. The Transaction Territory is any location Stripe makes available from time to time.

Supporting quotations

4.3 User Obligations.
User must:
(a) only use the Stripe Treasury for Platforms Services with respect to a commercial business enterprise organized in the Stripe Treasury for Platforms Territory;
(b) not use the Financial Account to send or receive a wire transfer to or from a recipient located outside the Transaction Territory;
(c) comply with all Financial Account Regulatory Requirements in connection with User’s use of the Stripe Treasury for Platforms Services;
(d) promptly notify User’s Stripe Connect Platform of each change to any information User provides or makes available to RSP and User's Stripe Connect Platform in connection with its Financial Account (including all information pertaining to User’s country of citizenship, residence, principal place of business, and legal and tax status); and
(e) not open a Financial Account for a sole proprietorship unless User is the sole owner of that business, and User must remain the sole owner at all times during the Term.
“Stripe Treasury for Platforms Territory” means the United States and Puerto Rico, or such other jurisdictions Stripe permits, as further described in the Documentation.
“Transaction Territory” means any location that Stripe may make available from time to time for Financial Account Transactions.

Qualifications & exceptions

  • Sole proprietorship accounts require the User to be the sole owner for the whole Term.