Stripe Services Agreement — Service Terms

Charges & Financial Obligations · Context

The Service Terms open with the Financial Services Terms and list payment and money-movement terms

The index of Service Terms begins with the Stripe Financial Services Terms and includes separate sets of terms for Stripe Payments, Adaptive Pricing, Billing, Capital for Platforms, Fee Credit Terms, Financial Connections, Global Payouts Fiat, Invoicing, Managed Payments, Next-Day Settlement, Orchestrated Services, Radar, Revenue Recognition, Tax and Treasury (formerly Financial Accounts). Each linked set is analyzed in its own section of this document; the index itself states no rules.

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Stripe Financial Services Terms

Stripe Payments

Stripe Adaptive Pricing

Stripe Billing

Stripe Capital for Platforms

Stripe Fee Credit Terms

Stripe Financial Connections

Stripe Global Payouts Fiat

Stripe Invoicing

Stripe Managed Payments

Stripe Next-Day Settlement

Stripe Orchestrated Services

Stripe Radar

Stripe Revenue Recognition

Stripe Tax

Stripe Treasury (formerly Financial Accounts)

Qualifications & exceptions

• Each entry is a link to a later section of this same document, where its terms are analyzed.

Charges & Financial Obligations · Restriction or exception

You bear all Assessed Fines and reimburse Stripe, except fines caused by Stripe’s own fault or breach

The User is responsible for all Assessed Fines and must reimburse Stripe when Stripe pays them. The exception is any part of the fines that results from Stripe's own negligence, fraud, willful misconduct or breach of this Agreement.

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2.5 Assessed Fines.

User is responsible for all Assessed Fines and must reimburse Stripe for its payment of Assessed Fines, except to the extent the Assessed Fines result from Stripe’s negligence, fraud, willful misconduct, or breach of this Agreement.

Qualifications & exceptions

• The exception applies only to the extent the fines result from Stripe's negligence, fraud, willful misconduct or breach.

Not stated here

• 'Assessed Fines' is a capitalized term whose definition is not in this packet.

Charges & Financial Obligations · Company practice

Stripe keeps interest on funds it holds and may invest them, unless a Service's terms say otherwise

Unless particular Service Terms state otherwise, Stripe (or its Affiliate) owns any interest earned on funds it holds, and the User receives none. To the extent Law and any applicable Financial Provider Terms permit, Stripe and its Affiliates may invest held funds in liquid investments; they will hold those investments separately from investments of their own funds, and they own all earnings from them. Investing the funds does not affect or delay Stripe's obligations under the Agreement.

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3. Stripe’s Rights and Obligations.

3.1 Holding of Funds.

Unless stated otherwise in Service Terms, Stripe will own, and User will not receive, any interest earned on funds held by Stripe or an applicable Affiliate.

to the extent Law and applicable Financial Provider Terms (if any) permit, Stripe and its Affiliates may invest funds they hold in liquid investments. Stripe or its applicable Affiliates will (a) hold these investments separate from investments made with their own funds; and (b) own, and User will not receive, any earnings from these investments.

Stripe’s and its Affiliates’ investment of funds will not affect or delay Stripe’s obligations under this Agreement.

Qualifications & exceptions

• Another set of Service Terms can displace the default rule on interest.
• Investment is permitted only to the extent Law and applicable Financial Provider Terms allow, and only in liquid investments.

Not stated here

• Which Service Terms, if any, provide otherwise on interest is not identified here.

Charges & Financial Obligations · Company practice

A long-inactive positive balance may be handed to a government authority as abandoned property

If the User has a positive account balance that stays inactive for an extended period, Stripe may be required to deliver the funds to the appropriate Governmental Authority as abandoned property. Stripe or its Affiliate will attempt to notify the User beforehand only where Law requires it.

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3.2 Dormant Accounts.

If User has a positive account balance that remains inactive for an extended period, Stripe may be required to deliver the funds to the appropriate Governmental Authority as abandoned property. However, if Law requires, Stripe or its applicable Affiliate will attempt to notify User before doing so.

Qualifications & exceptions

• Prior notice is attempted only if Law requires it.
• How long counts as an 'extended period' is not defined here.

Not stated here

• The inactivity period and the governing abandoned-property Law are not stated.

Charges & Financial Obligations · Company practice

Where allowed, Stripe may hold a Reserve it fully controls, change its terms and release it only when risk is mitigated

Where the applicable Service Terms permit, Stripe may establish a Reserve, collateral funds it holds and controls to cover the User's actual or potential liabilities, and will notify the User of the Reserve terms in a Reserve Notice. The Reserve is held in a pooled Reserve Account and may be used to offset amounts owed to Stripe Entities. Stripe has sole control over it; the User has no right to any earnings on it and cannot draw from it. Stripe releases Reserve funds only if, and to the extent that, it is satisfied the relevant risk has been mitigated. Stripe may change the Reserve terms if it believes the risk from the User Group's use of the Services has changed or is likely to, or when a Financial Provider requires, and it may fund and replenish the Reserve through the means listed in the following subsection. These rights do not limit Stripe's other remedies.

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3.3 Reserve.

Where permitted in the Service Terms, Stripe may establish a Reserve and will notify User of the Reserve terms (the “Reserve Notice”). The Reserve will be held by Stripe in a Reserve Account and may be used to offset amounts owed to Stripe Entities in accordance with this Agreement.

User acknowledges that Stripe has sole control over the Reserve and that User has no legal or equitable right or interest in any earnings generated by any Reserve, and is not entitled to draw funds from any Reserve. Stripe will release to User any funds forming part of the Reserve only if, and to the extent that, Stripe is satisfied that the relevant risk exposure has been mitigated. This section does not limit Stripe’s other rights or remedies under this Agreement.

Stripe may change the Reserve terms if Stripe believes that there is, or is likely to be, a change in the underlying risk presented by the User Group’s use of the Services; or as a Financial Provider requires.

Stripe may fund and replenish the Reserve through any or all of:

“Reserve” means collateral funds which Stripe holds and controls to satisfy any liabilities or potential liabilities User incurs under this Agreement

“Reserve Account” means one or more pooled accounts established by Stripe to hold amounts designated as Reserves.

Qualifications & exceptions

• A Reserve may be established only where permitted in the applicable Service Terms.
• Release is at Stripe's satisfaction that risk exposure has been mitigated, and only to that extent.
• The ways Stripe may fund and replenish the Reserve are listed in subsection (c), analyzed with the next section.

Not stated here

• Which Service Terms permit a Reserve, and typical Reserve amounts or durations, are not stated here.

Charges & Financial Obligations · Company practice

Stripe may fund or top up a Reserve from money you provide, money it owes your group for payments, or your bank accounts

Stripe may fund and replenish a Reserve through any or all of three sources: funds the User provides when Stripe asks; funds a Stripe Entity owes to any User Entity for Transactions the User Group accepts through the Stripe Payments Services (the Services for accepting and refunding Customer payments); and debiting the User Bank Accounts. The Regional Terms can vary this: the Brazil Regional Term, for example, lists only the first two sources.

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Stripe may fund and replenish the Reserve through any or all of:

using funds User provides upon Stripe’s request

using funds that a Stripe Entity owes to any User Entity for Transactions that the User Group accepts through the Stripe Payments Services

debiting the User Bank Accounts

“Stripe Payments Services” means the Services that enable User to accept and refund Customer payments, perform related financial transactions, and manage Customer Disputes.

If Stripe establishes a Reserve under Section 3.3 (Reserve), Stripe may fund and replenish the Reserve through any or all of: (i) using funds User provides upon Stripe’s request; or (ii) using funds that Stripe owes to User for Transactions that User accepts through the Stripe Payments Services.

Qualifications & exceptions

• Applies where a Reserve has been established under Section 3.3.
• Regional Terms may change the available funding sources; the Brazil Regional Term omits debiting bank accounts.

Not stated here

• Whether other Regional Terms also vary the funding sources is settled in those sections, not here.

Charges & Financial Obligations · Company practice

If your balance goes negative, an equal part of the Reserve automatically becomes Stripe's and you must top it up

If the User's Stripe Account balance becomes negative, a portion of the Reserve equal to the negative amount is automatically deemed applied by Stripe against that balance and becomes Stripe's sole property. The User must then promptly replenish the Reserve using the funding sources in Section 3.3(c). This operates without limiting Stripe's other rights or remedies under the Agreement.

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If User’s Stripe Account balance becomes negative, then, without limiting Stripe’s other rights or remedies under this Agreement, a portion of the Reserve equal to the amount of the negative balance is automatically deemed to be applied by Stripe to offset the negative Stripe Account balance (thereby becoming the sole property of Stripe), and the Reserve must be promptly replenished in accordance with Section 3.3(c) above.

Qualifications & exceptions

• The application is automatic ('deemed'); no separate action by Stripe is described.
• Replenishment follows Section 3.3(c), the funding sources listed just above this clause.

Not stated here

• How quickly 'promptly' replenished must happen is not defined.

Charges & Financial Obligations · Permission or license

You grant Stripe and the other Stripe Entities a security interest in your payment funds, credits and any Reserve

The User assigns, transfers and grants to Stripe, acting as agent for every Stripe Entity (together the Secured Parties), a security interest in all of the User's rights in the Collateral, as security for payment and performance of all obligations owed to any Secured Party (the Secured Obligations). The Collateral is: all funds owed to the User for Transactions, including future Transactions and funds Stripe holds on the User's behalf; all rights to receive credits and payments under the Agreement; and any Reserve, any beneficial interest in the pooled Reserve Accounts and any funds in them. It covers property existing now or arising later. The Singapore Regional Term adds a separate lien over all funds Stripe holds for the User, including the Collateral.

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3.4 Security Interest.

User assigns and transfers to, and grants to, Stripe (as agent for each other Stripe Entity, and for the benefit of itself and the other Stripe Entities (collectively, the “Secured Parties”)) a security interest in all of User’s right, title and interest (if any) in and to the following property, whether now existing or hereafter arising (collectively, the “Collateral”), as collateral security for the prompt and complete payment and performance when due of all obligations owing to any Secured Party (the “Secured Obligations”):

all funds owed to User for Transactions (including funds owed to User for future Transactions and all funds that Stripe holds on User’s behalf)

all rights to receive credits and payments under this Agreement

any Reserve and any beneficial interest in the Reserve Accounts and any funds held in them

“Reserve Account” means one or more pooled accounts established by Stripe to hold amounts designated as Reserves.

In addition to the security interest granted under Section 3.4 (Security Interest), User acknowledges that Stripe also has a lien over all funds Stripe holds on User’s behalf, including the Collateral

Qualifications & exceptions

• The grant is in the User's 'right, title and interest (if any)', so it reaches only what the User actually holds.
• Covers property whether now existing or hereafter arising.
• Regional Terms may add to this; the Singapore Regional Term adds a lien over all held funds.

Not stated here

• Which entities count as Stripe Entities is defined in the General Terms, not supplied here.

Charges & Financial Obligations · Restriction or exception

You must help Stripe perfect its security interest, even after a negative balance, and may not encumber the Reserve

The User consents to Stripe notifying any party who must be told of the Collateral under local law, and must sign all documents and give all authorizations Stripe reasonably requests to create, perfect (including by filing), maintain and enforce the security interest. That duty applies even if Stripe asks after the User's balance has gone negative. Except as this section permits, the User may not create or allow any security interest, lien, pledge, hypothec, encumbrance or charge over the Reserve, the Reserve Accounts or funds held in them.

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User authorizes and consents to Stripe giving notice of the Collateral to any relevant party who may need to be notified under any local law. User must execute all documents and provide all authorizations that Stripe reasonably requests for the purpose of creating, perfecting (including filing relevant documents), maintaining and enforcing this security interest, even if the request is made after User’s applicable balance with Stripe becomes negative.

Except as permitted by this section, User will not assign, grant, create, incur, assume, agree to create, or permit to exist, any security interest, lien, pledge, hypothec, encumbrance or charge in or over the Reserve, the Reserve Accounts, or any funds held in them.

Qualifications & exceptions

• Requests for documents must be reasonable.
• The ban on other encumbrances covers the Reserve, the Reserve Accounts and funds in them, with the only exception being what this section itself permits.

Charges & Financial Obligations · Company practice

Stripe may demand a guarantee or letter of credit and may suspend or end your access if you cannot provide it

Stripe may require the User to provide a guarantee, which may be a personal, parent-company or bank guarantee, or a letter of credit, in a form and substance that satisfies Stripe. When it does, Stripe will tell the User the amount required and the reasons. If the User cannot meet the requirement when Stripe requires it, Stripe may suspend or terminate the User's access to the Services.

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3.5 Credit Support Requirement.

Stripe may 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. In this event, Stripe will inform User of the amount of and the reasons for the requirement. If User is unable to satisfy the requirement when Stripe requires User to do so, Stripe may suspend or terminate User’s access to the Services.

Qualifications & exceptions

• Stripe commits to state the amount of and reasons for the requirement.
• Suspension or termination is permitted ('may'), not automatic.

Not stated here

• What triggers Stripe to require credit support is not stated.

Charges & Financial Obligations · Company practice

If your or a User Entity’s balance is negative or short, Stripe may debit your group’s bank accounts

If the User's Stripe Account balance, or that of any User Entity, is negative or lacks enough funds to pay what the User or a User Entity owes to a Stripe Entity or to Customers, Stripe may debit the User Bank Accounts, or the bank account of any User Entity under the debit authorization that entity granted, for the amount needed to collect those sums and, where applicable, pay them out to Customers. This is in addition to Stripe's rights under Sections 7.2 and 7.5 of the General Terms, which are a separate document not supplied here.

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3.6 Negative Balances.

If User’s Stripe Account balance (or the Stripe Account balance of any User Entity) is negative, or does not contain funds sufficient to pay amounts that User (or a User Entity) owes to a Stripe Entity or Customers, then without limiting Stripe’s rights under Sections 7.2 and 7.5 of the General Terms, Stripe may debit the User Bank Accounts or the User Bank Account of any User Entities (pursuant to the debit authorization granted by that User Entity) by the amount necessary to collect, and pay out to Customers if applicable, the amounts User owes.

Qualifications & exceptions

• Debits of another User Entity's account rely on the debit authorization that entity granted.
• The rights under Sections 7.2 and 7.5 of the General Terms are preserved but their content is not in this source.

Not stated here

• What Sections 7.2 and 7.5 of the General Terms provide is unknown; the General Terms are not supplied.

Charges & Financial Obligations · Context

United States: regulated money transmission is provided by Stripe Payments Company under separate SPC terms

For Users in the United States, certain Services involve regulated money transmission under U.S. Law. To the extent the User's use of the Services involves money transmission or other regulated services under U.S. Law, Stripe's Affiliate Stripe Payments Company (SPC) provides those regulated Services, and the SPC terms available on or from the Stripe Legal Page apply to the User, unless the applicable Service Terms say otherwise. Stripe states that it is not a bank and does not accept deposits.

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United States.

The following Regional Terms apply for Users in the United States.

5.1 Regulated Money Transmission.

To the extent that User’s use of the Services involves money transmission or other regulated services under U.S. Law, Stripe’s Affiliate, Stripe Payments Company (“SPC”) provides those regulated Services, and the SPC terms located on or accessible from the Stripe Legal Page will apply to User, unless the applicable Service Terms specify otherwise. Stripe is not a bank, and does not accept deposits.

Qualifications & exceptions

• Applies to Users in the United States.
• The SPC terms apply unless the applicable Service Terms specify otherwise.

Not stated here

• The SPC terms are on the Stripe Legal Page and are not supplied here.
• Which Services involve regulated money transmission is not listed.

Charges & Financial Obligations · Restriction or exception

United States: Reserves sit in SPC's Reserve Accounts and the security interest is granted to SPC

For Users in the United States, the Reserve and Security Interest provisions (Sections 3.3 and 3.4 of these Financial Services Terms) operate through Stripe Payments Company: Reserve funds are held in Reserve Accounts established by SPC, and the User grants the security interest to SPC, acting as agent for each other Secured Party and for its own and their benefit.

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5.2 Reserves and Security Interest.

For the purposes of Sections 3.3 (Reserve) and 3.4 (Security Interest), Reserve funds are held in Reserve Accounts established by SPC, and User grants the security interest to SPC (as agent for each other Secured Party and for the benefit of itself and the other Secured Parties).

Qualifications & exceptions

• A regional variation of Sections 3.3 (Reserve) and 3.4 (Security Interest); the substance of those sections otherwise applies.

Charges & Financial Obligations · Company commitment

EEA: only Stripe PSP is liable to you for collecting, safeguarding and settling your payment proceeds

For Users in the European Economic Area, Stripe PSP, as the provider of Regulated Financial Services, is the only Stripe party liable to the User for collecting payment proceeds from Transactions on the User's behalf, safeguarding those proceeds according to Law, and settling them to the User Bank Account or as the User otherwise directs.

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5.2 Collection of Payment Proceeds.

As the provider of Regulated Financial Services, Stripe PSP will be the only Stripe party liable to User for collecting payment proceeds from Transactions on User’s behalf, safeguarding those proceeds according to Law, and settling those proceeds to the User Bank Account or as User otherwise directs.

Qualifications & exceptions

• Applies to Users in the European Economic Area.
• Liability for these functions sits with Stripe PSP alone, not Stripe Payments Europe, Limited.

Charges & Financial Obligations · Company practice

EEA: Stripe may offer E-money; you earn nothing on it, Stripe PSP alone is liable for it, and you can redeem it at par

Depending on the User's location and, where relevant, its Connected Accounts' locations, Stripe may offer E-money Services to Users in the European Economic Area. E-money is electronic money as defined in the cited Irish regulation (SI No. 183/2011). The section applies only if Stripe actually provides E-money Services. The User may buy E-money from Stripe, send and receive it and, if applicable, transfer it to and from Connected Accounts, but receives no earnings on E-money Stripe issues or holds. Stripe PSP is the only Stripe party liable for issuing, redeeming and transferring E-money, and when it issues E-money it safeguards the funds received in exchange according to Law. The User may use the Stripe Technology to redeem E-money Stripe PSP holds for it at par value.

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5.3 E-money Services.

Depending on User’s location and, if applicable, User’s Connected Accounts’ locations, Stripe may offer E-money Services to User. “E-money” means electronic money as defined in SI No. 183/2011 – European Communities (Electronic Money) Regulations 2011. The terms in this section only apply if Stripe provides E-money Services to User.

User will not receive any earnings from E-money that Stripe issues or holds. As the provider of Regulated Financial Services, Stripe PSP will be the only Stripe party liable to User for issuing, redeeming and transferring E-Money. If Stripe PSP issues E-money to User, Stripe PSP will safeguard funds received from User in exchange for that E-money according to Law. User may use the Stripe Technology to redeem E-money Stripe PSP holds for User for par value.

Qualifications & exceptions

• Applies to Users in the European Economic Area and only if Stripe provides E-money Services.
• The User receives no earnings from E-money.
• The regulation is cited by name only; its text is not supplied.

Not stated here

• Which locations receive E-money Services is not stated.

Charges & Financial Obligations · Restriction or exception

EEA: Stripe safeguards your funds as Law requires, but funds it moves into a Reserve stop being safeguarded

For Users in the European Economic Area, and in addition to the holding-of-funds rules in Section 3.1 of these Financial Services Terms, Stripe safeguards the funds it holds for the User as Law requires. However, if Stripe uses safeguarded funds to fund a Reserve, those funds are no longer safeguarded on the User's behalf.

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In addition to the further provisions on holding of funds in Section 3.1 (Holding of Funds), Stripe safeguards funds Stripe holds for User as required by Law. However, if Stripe uses safeguarded funds to fund a Reserve, then Stripe will no longer safeguard those funds on User’s behalf.

Qualifications & exceptions

• Applies to Users in the European Economic Area.
• Safeguarding is 'as required by Law', not a broader commitment.
• The exception covers safeguarded funds that Stripe uses to fund a Reserve.

Not stated here

• The safeguarding Law that applies is not named.

Charges & Financial Obligations · Restriction or exception

EEA: Stripe PSP holds Reserves and keeps title; you have no interest in them, but release once risk ends still applies

For Users in the European Economic Area, Reserve funds under Section 3.3 are held in Reserve Accounts established by Stripe PSP. On top of Section 3.3, the User acknowledges it has no legal, beneficial or equitable right or interest in any Reserve or Reserve Account, and that title to the Reserve funds and accounts remains solely with Stripe PSP. The clause confirms it does not limit Stripe's obligation under Section 3.3(a) to return Reserve funds to the extent Stripe is satisfied the risk exposure has been mitigated.

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5.9 Reserves.

For the purposes of Section 3.3 (Reserve), Reserve funds are held in Reserve Accounts established by Stripe PSP. In addition to the provisions under Section 3.3, User acknowledges that User has no legal, beneficial or equitable right or interest in any Reserve or Reserve Account and that title to the Reserve funds and Reserve Accounts remains solely with Stripe PSP. To avoid doubt, this section does not limit Stripe’s obligation under Section 3.3(a) to return to User any funds forming part of the Reserve to the extent that Stripe is satisfied the risk exposure has been mitigated.

Qualifications & exceptions

• Applies to Users in the European Economic Area.
• The return obligation of Section 3.3(a) is expressly preserved.

Charges & Financial Obligations · Company commitment

UK, Switzerland, Gibraltar: only Stripe PSP is liable to you for collecting, safeguarding and settling proceeds

For Users in the United Kingdom, Switzerland and Gibraltar, Stripe PSP, as the provider of Regulated Financial Services, is the only Stripe party liable to the User for collecting payment proceeds from Transactions on the User's behalf, safeguarding them according to Law, and settling them to the User Bank Account or as the User otherwise directs.

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5.2 Collection of Payment Proceeds.

As the provider of Regulated Financial Services, Stripe PSP will be the only Stripe party liable to User for collecting payment proceeds from Transactions on User’s behalf, safeguarding those proceeds according to Law, and settling those proceeds to the User Bank Account or as User otherwise directs.

Qualifications & exceptions

• Applies to Users in the United Kingdom, Switzerland and Gibraltar.

Charges & Financial Obligations · Company practice

UK, Switzerland, Gibraltar: Stripe may offer E-money; no earnings for you, Stripe PSP alone liable, redeemable at par

Depending on the User's location and, where relevant, its Connected Accounts' locations, Stripe may offer E-money Services to Users in the United Kingdom, Switzerland and Gibraltar. E-money is electronic money as defined in the cited UK regulation (Electronic Money Regulations 2011, SI 2011/99). The section applies only if Stripe actually provides E-money Services. The User may buy E-money from Stripe, send and receive it and, if applicable, transfer it to and from Connected Accounts, but receives no earnings on it. Stripe PSP is the only Stripe party liable for issuing, redeeming and transferring E-money and safeguards the funds received for it according to Law. The User may redeem E-money Stripe PSP holds for it at par value through the Stripe Technology.

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5.3 E-money Services.

Depending on User’s location and, if applicable, User’s Connected Accounts’ locations, Stripe may offer E-money Services to User. “E-money” means electronic money as defined in the Electronic Money Regulations 2011 (SI 2011/99). The terms in this section only apply if Stripe provides E-money Services to User.

User will not receive any earnings from E-money that Stripe issues or holds. As the provider of Regulated Financial Services, Stripe PSP will be the only Stripe party liable to User for issuing, redeeming and transferring E-Money. If Stripe PSP issues E-money to User, Stripe PSP will safeguard funds received from User in exchange for that E-money according to Law. User may use the Stripe Technology to redeem E-money Stripe PSP holds for User for par value.

Qualifications & exceptions

• Applies to Users in the United Kingdom, Switzerland and Gibraltar and only if Stripe provides E-money Services.
• The regulation is cited by name only; its text is not supplied.

Not stated here

• Which locations receive E-money Services is not stated.

Charges & Financial Obligations · Restriction or exception

UK, Switzerland, Gibraltar: Stripe safeguards your funds as Law requires, except funds it moves into a Reserve

For Users in the United Kingdom, Switzerland and Gibraltar, in addition to the holding-of-funds rules in Section 3.1, Stripe safeguards the funds it holds for the User as Law requires. If Stripe uses safeguarded funds to fund a Reserve, those funds are no longer safeguarded on the User's behalf.

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In addition to the further provisions on holding of funds in Section 3.1 (Holding of Funds), Stripe safeguards funds Stripe holds for User as required by Law. However, if Stripe uses safeguarded funds to fund a Reserve, then Stripe will no longer safeguard those funds on User’s behalf.

Qualifications & exceptions

• Applies to Users in the United Kingdom, Switzerland and Gibraltar.
• Safeguarding is 'as required by Law'.

Not stated here

• The safeguarding Law that applies is not named.

Charges & Financial Obligations · Restriction or exception

UK, Switzerland, Gibraltar: Reserves sit with Stripe PSP and your security interest to it is a fixed first charge

For Users in the United Kingdom, Switzerland and Gibraltar, the Reserve and Security Interest provisions (Sections 3.3 and 3.4) operate through Stripe PSP: Reserve funds are held in Reserve Accounts established by Stripe PSP, and the User grants the security interest to Stripe PSP as agent for each other Secured Party. The security interest is taken by way of a fixed first charge.

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5.9 Reserves and Security Interest.

For the purposes of Sections 3.3 (Reserve) and 3.4 (Security Interest), Reserve funds are held in Reserve Accounts established by Stripe PSP, and User grants the security interest to Stripe PSP (as agent for each other Secured Party and for the benefit of itself and the other Secured Parties). The security interest is taken by way of a fixed first charge.

Qualifications & exceptions

• A regional variation of Sections 3.3 (Reserve) and 3.4 (Security Interest).
• The form of security is a fixed first charge.

Charges & Financial Obligations · Restriction or exception

Australia: a Reserve Notice plus Section 3.3 counts as a separate security agreement under the PPSA from delivery

For Users in Australia, the Reserve Notice, read together with Section 3.3 (Reserve), is taken to constitute a separate security agreement for the purposes of the Personal Property Securities Act 2009 (Cth). That agreement takes effect on and from the date the Reserve Notice is delivered in accordance with its terms.

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Australia.

The following Regional Terms apply for Users in Australia.

5.1 Security Interest.

The Reserve Notice, read together with the terms of Section 3.3 (Reserve), shall be taken to constitute a separate security agreement for the purpose of the Personal Property Securities Act 2009 (Cth) which will take effect on and from the date the Reserve Notice is delivered in accordance with its terms.

Qualifications & exceptions

• Applies to Users in Australia.
• Effective from delivery of the Reserve Notice in accordance with its terms.

Not stated here

• The statute is cited by name only; its text and consequences are not supplied.

Charges & Financial Obligations · Company commitment

Australia: if Stripe requires a guarantee or letter of credit, it gives you reasonable notice to provide it

For Users in Australia, if Stripe requires a guarantee or letter of credit under the Credit Support Requirement, Stripe will give the User reasonable notice to satisfy the requirement. This adds a timing commitment to the general rule that Stripe may suspend or terminate access if the requirement is not met.

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5.2 Credit Support Requirement.

If Stripe requires a guarantee or letter of credit, Stripe will provide User with reasonable notice to satisfy the requirement.

Qualifications & exceptions

• Applies to Users in Australia.
• Supplements Section 3.5 (Credit Support Requirement), which otherwise sets no notice period.

Not stated here

• What counts as reasonable notice is not defined.

Charges & Financial Obligations · Restriction or exception

Brazil: Stripe funds or tops up a Reserve only from money you provide or money it owes you for Transactions

For Users in Brazil, if Stripe establishes a Reserve under Section 3.3, it may fund and replenish the Reserve through funds the User provides on Stripe's request or funds Stripe owes the User for Transactions accepted through the Stripe Payments Services. Unlike the general rule in Section 3.3(c), debiting the User Bank Accounts is not listed.

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5.3 Reserve.

If Stripe establishes a Reserve under Section 3.3 (Reserve), Stripe may fund and replenish the Reserve through any or all of: (i) using funds User provides upon Stripe’s request; or (ii) using funds that Stripe owes to User for Transactions that User accepts through the Stripe Payments Services.

Qualifications & exceptions

• Applies to Users in Brazil and replaces the general three-source funding rule.

Charges & Financial Obligations · Procedure

Brazil: you must register and maintain a Domicile Institution; Stripe may hold settlements if it becomes insolvent

For Users in Brazil, the Domicile Institution is the financial or payment institution holding the User Bank Account to which the User transfers funds received from Customers. The User must register that account with a Domicile Institution, keep the registration current and notify Stripe of any change. If the registered institution becomes subject to an Insolvency Event, the User must regularize it or register a new Domicile Institution within 10 business days of becoming aware, and Stripe may withhold settlement transfers for Transactions until it receives confirmation that a new valid Domicile Institution is registered or the existing one is regularized.

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5.6 Domicile Institution.

“Domicile Institution” means the financial institution or payment institution where User holds its User Bank Account. User will register its User Bank Account with a Domicile Institution to which User transfers funds User receives from Customers. User is responsible for maintaining User’s Domicile Institution registration current.

If the bank or financial institution registered as User’s Domicile Institution becomes the subject of an Insolvency Event, User must arrange for its regularization or register with a new Domicile Institution within 10 business days from the day User becomes aware of the Insolvency Event. Stripe may withhold any transfer of settlement funds for Transactions until we receive confirmation that User has registered with a new valid Domicile Institution, or has regularized the existing Domicile Institution. User must notify Stripe if User changes its Domicile Institution.

Qualifications & exceptions

• Applies to Users in Brazil.
• The 10-business-day period runs from the day the User becomes aware of the Insolvency Event.
• Withholding of settlement funds is permitted ('may') until confirmation is received.

Charges & Financial Obligations · Company practice

Brazil: if you cease to exist or die, Stripe pays out only to a documented legal successor or beneficiary

For Users in Brazil, if the User no longer exists because of termination or death, Stripe will carry out any payouts due only in favor of the User's legal successor or another legal beneficiary, as shown by proper legal documentation sent to Stripe by the User or the User's legal representative.

Supporting quotations

5.8 Legal Successor.

If User no longer exists due to termination or death (as applicable), Stripe will only carry out any due payouts in favor of User’s legal successor or any other legal beneficiary, as evidenced by the proper legal documentation sent to Stripe by User or User’s legal representative.

Qualifications & exceptions

• Applies to Users in Brazil.
• Payouts depend on proper legal documentation being sent to Stripe.

Not stated here

• What documentation Stripe treats as proper is not specified.

Charges & Financial Obligations · Restriction or exception

Canada: Stripe holds your funds in trust as trustee as Law requires, except funds it moves into a Reserve

For Users in Canada, in addition to the holding-of-funds rules in Section 3.1 and as Law requires, Stripe safeguards the funds it holds for the User in trust, as trustee, and the User appoints Stripe as trustee for that limited purpose. If Stripe uses safeguarded funds to fund a Reserve, those funds are no longer safeguarded on the User's behalf.

Supporting quotations

Canada.

The following Regional Terms apply for Users in Canada.

5.1 Safeguarding of Funds.

In addition to the further provisions on holding of funds in Section 3.1 (Holding of Funds), as required by Law, Stripe safeguards funds Stripe holds for User in trust, as trustee, and User appoints Stripe as trustee for such limited purpose. However, if Stripe uses safeguarded funds to fund a Reserve, then Stripe will no longer safeguard those funds on User’s behalf.

Qualifications & exceptions

• Applies to Users in Canada.
• The trust is for the limited purpose of safeguarding, as required by Law.
• Funds used to fund a Reserve leave the safeguarding arrangement.

Not stated here

• The safeguarding Law that applies is not named.

Charges & Financial Obligations · Restriction or exception

Québec: the security interest is a hypothec held by Stripe as hypothecary representative under Québec law

For Users located in the Province of Québec, the security interest in Section 3.4 is instead called a hypothec. Stripe acts as hypothecary representative under the Civil Code of Québec on behalf of the Secured Parties to receive and hold it. The User consents to the Collateral securing the Secured Obligations and agrees that the Collateral constitutes monetary claims under the Civil Code, that Québec law governs the validity, publication and effects of publication of the hypothec regardless of any account documentation or other agreement, and that Stripe as hypothecary representative has control over those monetary claims in the manner the Civil Code provides.

Supporting quotations

For Users located in the Province of Québec, the security interest referred to in Section 3.4 (Security Interest) is instead referred to as a hypothec. Stripe acts as hypothecary representative as contemplated in the Civil Code of Québec on behalf of the Secured Parties in order to receive and hold such hypothec.

the laws of the Province of Québec are applicable to and govern the validity, publication and effects of publication of the hypothec on the Collateral, and (b) Stripe, in its capacity as hypothecary representative, has control over the monetary claims comprised in the Collateral in the manner provided for in the Civil Code of Québec.

Qualifications & exceptions

• Applies to Users located in the Province of Québec.
• A regional restatement of Section 3.4 (Security Interest); the Collateral and Secured Obligations are as defined there.

Not stated here

• The Civil Code of Québec is cited by name; its text is not supplied.

Charges & Financial Obligations · Restriction or exception

Hong Kong: the Section 3.4 security interest is taken as a fixed first charge

For Users in Hong Kong, the security interest the User grants under Section 3.4 (Security Interest) is taken by way of a fixed first charge.

Supporting quotations

5.3 Security Interest.

The security interest referred to in Section 3.4 (Security Interest) is taken by way of a fixed first charge.

Qualifications & exceptions

• Applies to Users in Hong Kong; otherwise Section 3.4 applies as written.

Charges & Financial Obligations · Company commitment

India, Indonesia and Malaysia: Stripe safeguards the funds it holds for you as Law requires

The Regional Terms for India, Indonesia and Malaysia each contain the same single safeguarding clause: in addition to the holding-of-funds rules in Section 3.1, Stripe safeguards the funds it holds for the User as Law requires. Unlike the EEA, UK and Canada clauses, these three do not state that funds moved into a Reserve stop being safeguarded; whether that follows from the applicable Law is not stated.

Supporting quotations

India.

The following Regional Terms apply for Users in India.

5.1 Safeguarding of Funds.

In addition to the further provisions on holding of funds in Section 3.1 (Holding of Funds), Stripe safeguards funds Stripe holds for User as required by Law.

Indonesia.

The following Regional Terms apply for Users in Indonesia.

5.1 Safeguarding of Funds.

In addition to the further provisions on holding of funds in Section 3.1 (Holding of Funds), Stripe safeguards funds Stripe holds for User as required by Law.

Malaysia.

The following Regional Terms apply for Users in Malaysia.

5.1 Safeguarding of Funds.

In addition to the further provisions on holding of funds in Section 3.1 (Holding of Funds), Stripe safeguards funds Stripe holds for User as required by Law.

Qualifications & exceptions

• Applies to Users in India, Indonesia and Malaysia respectively.
• Safeguarding is 'as required by Law'; the applicable Law is not named.

Not stated here

• Whether Reserve funding affects safeguarding in these countries is not addressed in the text.

Charges & Financial Obligations · Restriction or exception

Mexico: the Section 3.4 security interest is a first-priority non-possessory pledge under the LGTOC

For Users in Mexico, the User grants the security interest described in Section 3.4 (Security Interest) in accordance with Section Sixth of Title Second of the General Law of Negotiable Instruments and Credit Transactions (LGTOC), as a first priority non-possessory pledge.

Supporting quotations

5.2 Security Interest.

For the avoidance of doubt, User grants the security interest as described in Section 3.4 (Security Interest) in accordance with Section Sixth of Title Second of the General Law of Negotiable Instruments and Credit Transactions (Ley General de Títulos y Operaciones de Crédito or “LGTOC”) as a first priority non-possessory pledge.

Qualifications & exceptions

• Applies to Users in Mexico; a restatement of Section 3.4 in Mexican legal form.

Not stated here

• The LGTOC is cited by name; its text is not supplied.

Charges & Financial Obligations · Context

Mexico: the maximum Fees Stripe charges for payment services are registered with the Bank of Mexico

For Users in Mexico, the maximum amount of Fees Stripe charges for payment services in Mexico is registered with the Bank of Mexico. The clause states where the ceiling is registered; it does not state the amounts.

Supporting quotations

5.3 Maximum Amount of Fees.

The maximum amount of Fees Stripe charges for payment services in Mexico are registered with the Bank of Mexico.

Qualifications & exceptions

• Applies to Users in Mexico and to payment services.

Not stated here

• The registered maximum amounts are not stated in this document.

Charges & Financial Obligations · Company commitment

New Zealand: if Stripe requires a guarantee or letter of credit, it gives you reasonable notice to provide it

For Users in New Zealand, if Stripe requires a guarantee or letter of credit under the Credit Support Requirement, Stripe will give the User reasonable notice to satisfy the requirement, adding a timing commitment to the general rule in Section 3.5.

Supporting quotations

New Zealand.

The following Regional Terms apply for Users in New Zealand.

5.1 Credit Support Requirement.

If Stripe requires a guarantee or letter of credit, Stripe will provide User with reasonable notice to satisfy the requirement.

Qualifications & exceptions

• Applies to Users in New Zealand.
• Supplements Section 3.5 (Credit Support Requirement).

Not stated here

• What counts as reasonable notice is not defined.

Charges & Financial Obligations · Restriction or exception

Singapore: besides the security interest, Stripe has a self-executing lien over all funds it holds for you

For Users in Singapore, in addition to the Section 3.4 security interest, the User acknowledges that Stripe has a lien over all funds Stripe holds on the User's behalf, including the Collateral, so that Stripe can collect Fees and other amounts the User owes and cover contingent liabilities the User may owe in future under the Agreement. The lien is effective and enforceable without any further steps; if steps are ever required, the User must take them as Stripe requests, even if the request comes after the User's Stripe Account balance has gone negative.

Supporting quotations

5.2 Lien.

In addition to the security interest granted under Section 3.4 (Security Interest), User acknowledges that Stripe also has a lien over all funds Stripe holds on User’s behalf, including the Collateral, for the purpose of enabling Stripe to collect Fees and other amounts User owes and for contingent liabilities User may in the future owe to Stripe under this Agreement. The lien is effective and enforceable without the need for any steps to be taken, but in the event if any such steps are required to be taken for any purposes, User agrees to take all such steps as requested by Stripe, even if the request is made after User’s Stripe Account balance becomes negative.

Qualifications & exceptions

• Applies to Users in Singapore and is in addition to the Section 3.4 security interest.
• Covers present amounts owed and future contingent liabilities.

Charges & Financial Obligations · Company commitment

Thailand: Stripe safeguards the funds it holds for you as Law requires

For Users in Thailand, in addition to the holding-of-funds rules in Section 3.1, Stripe safeguards the funds it holds for the User as Law requires. Like the India, Indonesia and Malaysia clauses, no Reserve carve-out is stated. A 'Back to Top' navigation link closes the Financial Services Terms.

Supporting quotations

Thailand.

The following Regional Terms apply for Users in Thailand.

5.1 Safeguarding of Funds.

In addition to the further provisions on holding of funds in Section 3.1 (Holding of Funds), Stripe safeguards funds Stripe holds for User as required by Law.

Qualifications & exceptions

• Applies to Users in Thailand.
• Safeguarding is 'as required by Law'; the Law is not named.

Charges & Financial Obligations · Restriction or exception

No cash refunds or cash-outs on card payments without Law or Stripe approval, and no cards to collect bad debt

For completed Transactions made with a payment card, the User must not give cash refunds unless Law requires it, must not use the Stripe Payments Services for cash disbursements or purchases of cash vouchers without Stripe's approval, and must not let Customers use payment cards to disburse cash to a third party except to the extent the Card Network Rules permit. The User must also not accept card Transactions to collect or refinance debt it has deemed uncollectible or that is uncollectible by Law, to pay previous card charges, or to collect a dishonored check; debt repayment is allowed only in compliance with the Card Network Rules.

Supporting quotations

User must not provide cash refunds for a completed Transaction made with a payment card, unless required by Law. User must not use Stripe Payments Services for any transaction for a cash disbursement or purchase of cash vouchers without approval from Stripe. User must not permit Customers to use payment cards to disburse cash to a third party, except to the extent the Card Network Rules permit.

User must not accept payment card Transactions (i) to collect or refinance existing debt that User has deemed uncollectible or that is uncollectible by Law; (ii) for previous card charges; or (iii) to collect a dishonored check. Debt repayment is only permitted when performed in compliance with the Card Network Rules.

Qualifications & exceptions

• Cash refunds are allowed where Law requires them; cash disbursements need Stripe's approval; third-party cash disbursement is allowed only to the extent the Card Network Rules permit.
• Debt repayment by card is permitted only when performed in compliance with the Card Network Rules.

Charges & Financial Obligations · Restriction or exception

No surcharges, fees or Taxes for card acceptance unless the Card Network Rules or Law permit, with conditions

The Card Network Rules limit the User's ability to discriminate by payment card brand or type and to charge surcharges, other fees or Taxes for accepting payment cards. Except to the extent the Card Network Rules or Law permit, the User must not charge any surcharge, fee or Taxes for card acceptance. Where surcharging is permitted, the User must comply with all notice or registration requirements imposed by Stripe, a Payment Method Provider or another Financial Provider, and must collect surcharge amounts only as part of the submitted Transaction amount.

Supporting quotations

The Card Network Rules limit User’s ability to (i) discriminate by payment card brand or type and (ii) charge surcharges or other fees, or Taxes for acceptance of payment cards. Except to the extent the Card Network Rules or Law permits, User must not charge surcharges, other fees, or Taxes for accepting payment cards.

If surcharging is permitted, User must comply with all applicable notice or registration requirements imposed by Stripe or a Payment Method Provider or other Financial Provider and must collect surcharge amounts only as part of the submitted amount of the Transaction.

Qualifications & exceptions

• Surcharging is allowed only to the extent the Card Network Rules or Law permit.
• Permitted surcharges must follow notice or registration requirements and be collected within the submitted Transaction amount.

Not stated here

• Which jurisdictions or networks permit surcharging is not stated here.

Charges & Financial Obligations · Procedure

Estimated-amount authorizations need prior Customer consent, prompt capture and a new authorization if the total grows

If the User wants to obtain authorization for an estimated Transaction amount, it must get the Customer's consent to the estimated amount before requesting the authorization. As soon as the User knows the full amount to capture, it must submit the capture request. If the full charge exceeds the authorized amount, the User must obtain a new authorization for the full amount.

Supporting quotations

If User wishes to obtain authorization for the estimated amount of a Transaction, User must obtain its Customer’s consent to the estimated amount before requesting the authorization. As soon as User becomes aware of the full amount to be captured, User must submit the request to capture funds. If the full amount of the charge exceeds the amount for which User obtained an authorization, User must obtain a new authorization for the full amount.

Qualifications & exceptions

• Consent must precede the authorization request.
• A higher final amount requires a new authorization, not an adjustment of the old one.

Charges & Financial Obligations · Company practice

Above its volume threshold, American Express may make you a direct merchant with its own agreement and pricing

This clause applies only to the American Express Card Network. If the User's American Express Transaction volume exceeds the threshold American Express sets, American Express may convert the User to a direct American Express merchant. The User and American Express would then enter into a separate agreement governing acceptance of American Express cards and agree directly on pricing and other fees for processing. Stripe would continue to process the User's American Express Transactions under this Agreement, incorporating the new pricing and fees into the applicable Stripe fees.

Supporting quotations

3.5 American Express Conversion – Only Applicable to the American Express Card Network.

If User’s American Express Transaction volume exceeds the applicable threshold amount set by American Express, American Express may convert User to a direct American Express merchant. As a direct American Express merchant, User and American Express will enter into a separate agreement, which will govern User’s acceptance of American Express payment cards, and User and American Express must directly agree to User’s pricing and other fees payable for American Express Transaction processing. Stripe will continue to process User’s American Express Transactions in accordance with this Agreement, except that Stripe will incorporate the new pricing and fees into the applicable Stripe fees.

Qualifications & exceptions

• Applies only to the American Express Card Network and only above a threshold set by American Express.
• Conversion is at American Express's option ('may').

Not stated here

• The threshold amount is set by American Express and not stated here.

Charges & Financial Obligations · Restriction or exception

You alone bear all losses, yours and Stripe’s, from erroneous or fraudulent Transactions and account misuse

The User is solely responsible for all losses that the User and the Stripe Parties incur because of erroneous and fraudulent Transactions connected with the User's use of the Services. This includes losses resulting from lost or stolen payment credentials or account details used to buy from the User, from changes to the User Bank Accounts, and from unauthorized use of, access to or modification of the User's Stripe Account.

Supporting quotations

3.9 User Responsibility for Transactions.

User is solely responsible for all losses User and the Stripe Parties incur due to erroneous and fraudulent Transactions that occur in connection with User’s use of the Services, including as a result of (a) lost or stolen payment credentials or the details of any accounts that are used to purchase goods or services from User; (b) any changes to the User Bank Accounts; and (c) any unauthorized use of, or access or modification to, User’s Stripe Account.

Qualifications & exceptions

• Covers losses of the Stripe Parties as well as the User's own.
• No exception for losses caused by Stripe is stated in this clause; whether the General Terms limit this is not known from this source.

Not stated here

• The General Terms' liability provisions, which may interact with this clause, are not supplied.

Charges & Financial Obligations · Procedure

You authorize settlement of your funds; submit only Customer-authorized charges after delivery, except prepayments

To let Stripe process Transactions, the User authorizes and directs Stripe, its Affiliates, Payment Method Providers and Payment Method Acquirers to receive and settle, as applicable, the settlement funds owed to the User through the Stripe Payments Services. The User may submit only Transactions that Customers have authorized, and only after the goods have shipped or the services have been provided. The exception is where the Customer has authorized a partial or full prepayment for goods or services to be provided later, or the User has obtained the Customer's consent, in which case the Transaction may be submitted before delivery.

Supporting quotations

4. Processing Transactions.

4.1 Payment Authorization Requests.

To enable Stripe to process Transactions for User, User authorizes and directs Stripe, its Affiliates, Payment Method Providers, and Payment Method Acquirers to receive and settle, as applicable, settlement funds owed to User through User’s use of the Stripe Payments Services. User may only submit Transactions that Customers authorize, and only after the applicable goods have been shipped or services provided to the Customer; except, User may submit a Transaction before goods have been shipped or services have been provided to the Customer where the Customer has authorized a Transaction for a partial or full prepayment for goods or services to be provided at a future time, or User has obtained the Customer’s consent.

Qualifications & exceptions

• Submission before shipment or performance is allowed only with Customer-authorized prepayment or the Customer's consent.

Charges & Financial Obligations · Restriction or exception

Do not run fraudulent, declined, invalid or duplicate charges; Stripe may refuse, condition or suspend risky ones

The User must not proceed with a Transaction if it knows or should have known the Transaction was fraudulent, unauthorized by the Customer or illegal in the User's or Customer's jurisdiction, if it receives a response declining authorization, or if the Customer's ability to use the Payment Method has expired or is no longer valid. The User must not submit a Transaction that duplicates one already under Dispute or previously disputed and resolved in the User's favor. Stripe may refuse to process, or condition or suspend, any Transaction it believes may violate the Agreement or another agreement with Stripe, is unauthorized, fraudulent or illegal, or exposes or is likely to expose Stripe, the User or others to unacceptable risk.

Supporting quotations

User must not proceed with a Transaction if (i) User knows or should have known that the Transaction was fraudulent, not authorized by the Customer, or illegal in User or User’s Customer’s jurisdiction; (ii) User receives a response declining to authorize the Transaction; or (iii) the Customer’s ability to use a Payment Method has expired or is no longer valid. User must not submit any Transaction that duplicates a Transaction that is already subject to a Dispute, or was previously disputed and subsequently resolved in User’s favor.

Stripe may refuse to process, or condition or suspend any Transaction that Stripe believes (x) may violate this Agreement or other agreement User has with Stripe (if any); (y) is unauthorized, fraudulent or illegal; or (z) exposes, or is likely to expose, Stripe, User or others to unacceptable risk.

Qualifications & exceptions

• The User's duty is triggered by actual or constructive knowledge ('knows or should have known').
• Stripe's refusal right rests on its belief about violation, illegality or unacceptable risk.

Not stated here

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

Charges & Financial Obligations · Company practice

Stripe holds your settlement funds as agent in pooled accounts; once it has the money, your recourse is Stripe only

The User appoints Stripe as its agent for the limited purpose of directing, receiving, holding and settling funds under the Agreement. All settlement funds Stripe receives for Transactions are combined with other users' funds in one or more Pooled Accounts at Financial Providers. Once Stripe receives a Transaction's funds on the User's behalf, the Customer owes the User nothing further for that Transaction, whether or not and whenever Stripe settles the funds to the User; if Stripe fails to settle funds due, the User's recourse is against Stripe only, not the Customer. Stripe will promptly update the User's Stripe Account balance to reflect processed Transactions. The User has no right to earnings on Pooled Account funds, cannot draw from a Pooled Account and cannot direct transactions into or out of one.

Supporting quotations

4.2 Pooled Accounts.

User appoints Stripe as User’s agent for the limited purpose of directing, receiving, holding and settling funds under this Agreement. All settlement funds Stripe receives for Transactions are combined with settlement funds for other users and held in one or more Pooled Accounts at one or more Financial Providers. Once Stripe receives funds for a Transaction on User’s behalf, the relevant Customer has no further obligation to make payments to User with respect to that Transaction, regardless of whether and when Stripe settles those funds to User. If Stripe does not settle funds due to User under this Agreement, User will have recourse only against Stripe and not the relevant Customer.

Stripe will promptly update User’s Stripe Account balance to reflect processed Transactions. User has no rights to earnings generated by funds held in any Pooled Account and is not entitled to draw funds from any Pooled Account and has no rights to direct transactions into and out of any Pooled Accounts.

“Pooled Account” means a pooled account to which Transaction settlement funds are credited.

Qualifications & exceptions

• Stripe's agency is for the limited purpose of directing, receiving, holding and settling funds.
• Regional Terms vary this for some countries; for example the United States Regional Term adds SPC as a second agent.

Not stated here

• The Financial Providers holding the Pooled Accounts are not named.

Charges & Financial Obligations · Company practice

Payouts are net of Fees, Disputes, Refunds and Reversals, on your schedule, to a bank, Financial Account or wallet

Stripe transfers Transaction settlement funds from the Pooled Account to the User net of Fees, Disputes, Refunds, Reversals and other amounts owed to Stripe, using the applicable settlement method, unless a Payout Delay affects the transfer or Stripe exercises a right under the Agreement to withhold or delay it. Settlement to a User Bank Account follows the Payout Schedule the User selects in the Stripe Dashboard, but Stripe may impose an additional holding period before the first settlement. Settlement to a Financial Account means the User is using the Stripe Treasury Services under the Stripe Treasury Terms. Settlement in Stablecoin to a Stablecoin Partner Wallet is performed solely by the Stablecoin Partner, and using a Service that settles in Stablecoin counts as acceptance of the Stablecoin Partner Terms, which are Financial Provider Terms. A Payout Delay includes provider or network unavailability, incorrect information given to Stripe, the User's own technology, and a Financial Provider's delay or failure to settle to Stripe.

Supporting quotations

4.3 Transaction Settlement Funds.

Stripe will transfer settlement funds for Transactions, net of Fees, Disputes, Refunds, Reversals and other amounts owed to Stripe, from the applicable Pooled Account to User in accordance with the applicable settlement method as follows, unless a Payout Delay occurs and affects the transfer initiation, or Stripe exercises a right under this Agreement to withhold or delay the transfer:

Where Stripe settles funds to a User Bank Account, Stripe will do so in accordance with the Payout Schedule. However, Stripe may impose an additional holding period before making the initial settlement to a User Bank Account.

Where Stripe settles funds to User's Financial Account, User will be using Stripe Treasury Services subject to the Stripe Treasury Terms.

Where funds are settled in Stablecoin to a Stablecoin Partner Wallet, that settlement is performed solely by the applicable Stablecoin Partner. User’s use of a Service that involves settlement in Stablecoin constitutes User’s acceptance of the applicable Stablecoin Partner Terms, which are Financial Provider Terms for the purposes of this Agreement.

“Payout Delay” means a delay to the Payout Schedule caused by (a) the unavailability of a Financial Provider, Governmental Authority, telecommunications provider, or internet service provider; (b) incorrect information, such as a bank account number, provided to Stripe; (c) User’s equipment, software, or other technology; (d) a delay or failure of a Financial Provider to settle a Transaction to Stripe

“Payout Schedule” means the schedule that User selects in the Stripe Dashboard (e.g. daily, weekly, monthly) to pay out Transaction settlement funds to a User Bank Account after those funds become available in User’s Stripe Account based on the Payout Speed.

“Financial Account” means the Stripe Account that Stripe provides to User as part of the Stripe Treasury Services.

“Stablecoin Partner” means an entity, which may be a Stripe Affiliate or a third party, that provides Stablecoin-related services to User, including the exchange, custody, transmission, or payout of Stablecoin, under the applicable Stablecoin Partner Terms.

“Stablecoin Partner Terms” means the terms that govern the Stablecoin Partner's provision, and User's access to and use of, the Stablecoin Partner Services, and which may be updated from time to time.

“Stablecoin Partner Wallet” means the account or wallet that the Stablecoin Partner maintains for User in connection with the Stablecoin Partner Services, through which User may hold, exchange, and transmit Stablecoin.

Qualifications & exceptions

• Payouts are net of Fees, Disputes, Refunds, Reversals and other amounts owed to Stripe.
• Transfers can be delayed by a Payout Delay or by Stripe exercising a contractual right to withhold or delay.
• An additional holding period may apply before the initial settlement to a User Bank Account.
• Stablecoin settlement is performed by the Stablecoin Partner, not Stripe, and accepting it means accepting the Stablecoin Partner Terms.

Not stated here

• The Stripe Treasury Terms are a later section of this document; the Stablecoin Partner Terms are external and not supplied.
• The length of any initial holding period is not stated.

Charges & Financial Obligations · Company practice

Stripe may let you send funds owed to you to a third party; doing so fully discharges its settlement duty

Stripe may offer the User the ability to send funds owed to it to a third party on the User's instructions, including sending all or part of its positive Stripe Account balance to the recipient's Stripe account or bank account, instead of settling to a User Bank Account, Financial Account or Stablecoin Partner Wallet. If Stripe or an Affiliate sends funds to a third-party recipient as this section contemplates, including through a payment intermediary acting for the User, the settlement obligations of Stripe, its Affiliate and the Payment Method Providers and Acquirers to the User are satisfied.

Supporting quotations

4.4 Sending Funds to Third-Party Recipients.

Stripe may offer User the ability to send to a third party funds owed to User as User instructs Stripe (including by sending all or part of the positive balance in User’s Stripe Account to that third-party recipient’s Stripe account or bank account), instead of settling funds to a User Bank Account, or Financial Account or Stablecoin Partner Wallet. If Stripe or an applicable Affiliate sends funds to a third-party recipient which may include the use of a payment intermediary operating on User’s behalf, as this Section 4.4 contemplates, then Stripe’s or its Affiliate’s obligations (and all applicable Payment Method Provider and Payment Method Acquirer obligations) to settle those funds to User are satisfied.

Qualifications & exceptions

• The feature is offered at Stripe's option ('may offer').
• Once funds are sent to the third party as instructed, settlement obligations to the User are treated as fully met.

Not stated here

• Any fees or eligibility conditions for this feature are not stated here.

Charges & Financial Obligations · Restriction or exception

Stripe is not responsible for fees charged by the banks, recipients or Stablecoin Partners that receive your funds

Stripe is not responsible for fees imposed by third parties to which it transfers funds, including the banks holding the User Bank Accounts, Financial Accounts and third-party recipient accounts, and Stablecoin Partners.

Supporting quotations

4.5 Settlement Fees.

Stripe is not responsible for any fees imposed by third parties to which Stripe transfers funds, including (i) the banks that hold the User Bank Accounts, Financial Accounts, and the third-party recipient accounts; or (ii) Stablecoin Partners.

Not stated here

• The fees those third parties charge are set outside this Agreement.

Charges & Financial Obligations · Procedure

Before the first recurring or subscription charge, tell Customers it is ongoing and how to cancel

If the User uses the Services to submit recurring or subscription Transactions, then before submitting the initial Transaction it must inform each Customer that the Transactions will occur on an ongoing basis and explain how the Customer can cancel the recurring billing or subscription.

Supporting quotations

4.6 Subscriptions and Invoicing.

If User uses the Services to submit recurring or subscription Transactions, then before submitting the initial Transaction, User must (a) inform each Customer that the relevant Transactions will occur on an ongoing basis; and (b) explain the method for canceling the Customer’s recurring billing or subscription.

Qualifications & exceptions

• Both disclosures must be made before the initial Transaction is submitted.

Charges & Financial Obligations · Procedure

Card-not-present, merchant-initiated or stored-method charges may need mandates and disclosures; keep proof

If the User uses the Stripe Payments Services for Transactions where the Customer is not present, including MOTO Transactions or Merchant Initiated Transactions, or to store a Customer's Payment Method for future use, Law and the Payment Method Rules may require it to obtain the Customer's authorization (a mandate or agreement) and make disclosures, such as when and in what circumstances the Payment Method will be charged, how the amount is determined and how future payments can be canceled. The User must retain, and give Stripe on request, records showing it obtained any required authorizations in compliance with Law and the Payment Method Rules and that it submitted as MOTO or Merchant Initiated Transactions only those it determined were eligible.

Supporting quotations

4.7 Customer Authorizations.

If User uses the Stripe Payments Services for certain Transactions where the Customer is not present, including MOTO Transactions or Merchant Initiated Transactions, or to store a Customer’s Payment Method for future use, User may be required by Law and Payment Method Rules to obtain the Customer’s authorization (also known as a mandate or agreement for the provision of products or services) and make certain disclosures to the Customer.

User must retain, and provide to Stripe upon request, records demonstrating that User has (a) obtained any required Customer authorizations in compliance with Law and Payment Method Rules; and (b) only submitted Transactions as MOTO Transactions or Merchant Initiated Transactions that User has determined are eligible.

Qualifications & exceptions

• The authorization and disclosure duties arise where Law and the Payment Method Rules require them ('may be required').
• The record-keeping and production duty is unconditional once such Transactions are used.

Not stated here

• MOTO Transactions and Merchant Initiated Transactions are capitalized terms defined elsewhere in these Payments Terms.
• Which Law and Rules apply depends on the Payment Method and jurisdiction.

Charges & Financial Obligations · Procedure

You must reconcile your Transaction history and report errors within 60 days; EEA and Australia get 13 months

As between the parties, and unless Law requires otherwise, the User is responsible for reviewing its Transaction history for accuracy and completeness and reconciling it with the transfers from the Pooled Accounts to its User Bank Accounts, Financial Accounts and Stablecoin Partner Wallet. If the User finds an error, Stripe will reasonably cooperate to investigate and help correct it, provided the User notifies Stripe within 60 days (or longer if Law requires) after the error appears in the Transaction history. Stripe may correct errors by crediting or debiting the User Bank Accounts and Financial Accounts. The Regional Terms vary this: for the European Economic Area the notice window is 13 months; for Australia and New Zealand the reconciliation duty applies monthly, the User must notify Stripe as soon as possible, and the window is 13 months.

Supporting quotations

As between the parties, and except as otherwise required by Law, User is responsible for reviewing its Transaction history for accuracy and completeness and reconciling its Transaction history with the history of transfers from the Pooled Accounts to the User Bank Accounts, Financial Accounts, and Stablecoin Partner Wallet, as applicable. If User finds an error when User reconciles its 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 60 days (or longer time period if Law requires) after the error appears in User’s Transaction history. Stripe may correct any errors in User’s Transaction history by crediting or debiting the User Bank Accounts and Financial Accounts, as applicable.

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.

Deviating from Section 5.1 (Reconciliation and Responsibility), User’s obligation to review User’s Transaction history for accuracy and completeness and for reconciling it with the history of transfers from the Pooled Accounts to the User Bank Accounts and Financial Accounts applies on a monthly basis. User must notify Stripe as soon as possible if User finds an error. Stripe will reasonably cooperate with User to investigate and help correct the error as long as User notifies Stripe of the error within 13 months after the error appears in User’s Transaction history.

Deviating from Section 5.1 (Reconciliation and Responsibility), User’s obligation to review User’s Transaction history for accuracy and completeness and for reconciling it with the history of transfers from the Pooled Accounts to the User Bank Accounts and Financial Accounts, as applicable, apply on a monthly basis. User must notify Stripe as soon as possible if User finds an error.

Qualifications & exceptions

• The 60-day window runs from when the error appears in the Transaction history and is extended where Law requires.
• Regional Terms replace the window with 13 months for the EEA, Australia and New Zealand, and set a monthly reconciliation duty for Australia and New Zealand.

Not stated here

• Whether other Regional Terms also vary this clause is settled in those sections.

Charges & Financial Obligations · Restriction or exception

You owe Stripe the full amount of every Dispute, Refund and Reversal, whatever the reason, until a Dispute goes your way

Overriding anything else in the Agreement, the User is liable to Stripe for the full amount of all Disputes (unless and until a Dispute is finally resolved in the User's favor under the applicable Payment Method Rules and as the Documentation describes) and related costs, and for all Refunds and Reversals, a Reversal being the reversal of the settlement of funds for a Transaction. This applies regardless of the reason or timing and whether or not the User uses the Stripe Payments Services to manage its Disputes, Refunds or Reversals.

Supporting quotations

5.2 Disputes; Refunds; Reversals.

Notwithstanding anything to the contrary in this Agreement, User is liable to Stripe for the full amount of all Disputes (unless and until a Dispute is resolved to final disposition in User’s favor according to applicable Payment Method Rules and as described in the Documentation) and other related costs, Refunds and Reversals regardless of the reason, timing or whether User uses the Stripe Payments Services to manage its Disputes, Refunds or Reversals.

“Reversal” means the reversal of the settlement of funds for a Transaction.

Qualifications & exceptions

• The clause applies 'notwithstanding anything to the contrary in this Agreement'.
• Liability for a Dispute lifts only when it is resolved to final disposition in the User's favor.

Charges & Financial Obligations · Company practice

Stripe may hold funds for likely or actual Disputes; providers share your evidence; you own responses and automation

Stripe may delay or withhold paying out a Transaction amount if it reasonably believes a Dispute is likely for that Transaction, and may withhold amounts under an actual Dispute until the Payment Method Provider resolves it. Payment Method Providers and other Financial Providers may access and share data and evidence the User provides, following their standard Dispute-management practices. If the User uses the Stripe Payments Services to automate parts of Dispute management, it authorizes Stripe to interact with Financial Providers on its behalf, and acknowledges Stripe cannot guarantee and takes no responsibility for the outcome. The User remains responsible for every response submitted in a Dispute, including the accuracy of its content and evidence, and is solely responsible for its use of Stripe's Dispute-management solutions, including third-party-powered ones, and for all decisions, actions and default or custom rules it uses with them.

Supporting quotations

(a) Disputes.

Stripe may delay or withhold paying out a Transaction amount from funds owed to User if Stripe reasonably believes that a Dispute is likely to occur with respect to that Transaction. Stripe may delay or withhold paying out amounts subject to an actual Dispute until the Payment Method Provider resolves the Dispute.

Payment Method Providers and other Financial Providers may access and share data and evidence provided by User or on User’s behalf in accordance with that Financial Provider’s standard Dispute-management practices.

If User uses the Stripe Payments Services to automate certain aspects of a Dispute management process, User authorizes Stripe to interact with relevant Financial Providers on User’s behalf with respect to the Dispute. User acknowledges that Stripe cannot guarantee, and takes no responsibility for, a successful outcome of a Dispute.

User remains responsible for all responses submitted in connection with a Dispute including the accuracy of all content and evidence submitted.

User is solely responsible for its use of Stripe’s Dispute management solutions (including those powered by third parties), and all decisions User makes, actions User takes, and all rules (default or custom) User uses in connection with Stripe’s Dispute-management solutions.

Qualifications & exceptions

• Withholding for a likely Dispute requires Stripe's reasonable belief; withholding for an actual Dispute lasts until the Provider resolves it.
• Stripe disclaims responsibility for Dispute outcomes even when it interacts with Financial Providers on the User's behalf.

Not stated here

• How long a 'likely Dispute' hold may last is not stated.

Charges & Financial Obligations · Company practice

Stripe may refuse or delay a Refund if you are insolvent, it would make your balance negative, or it sees liability risk

Stripe may refuse to act on a Refund instruction, or delay executing it, if the User is the subject of an Insolvency Event, if the Refund would cause a negative balance in the User's Stripe Account, or if Stripe believes there is a risk the User will not meet its liabilities under the Agreement.

Supporting quotations

Stripe may refuse to act upon a Refund instruction, or delay executing the instruction, if User is the subject of an Insolvency Event, if it would cause a negative balance in User’s Stripe Account, or if Stripe believes that there is a risk User will not meet its liabilities under this Agreement.

Qualifications & exceptions

• Three triggers: an Insolvency Event, a resulting negative balance, or Stripe's belief in a risk of unmet liabilities.

Charges & Financial Obligations · Company practice

Stripe may reverse a settlement for invalidated, erroneous, unauthorized or violating payments, or on provider demand

Without limiting its remedies under Sections 5.3 to 5.5 of these Payments Terms, Stripe may initiate a Reversal if the Payment Method Provider invalidates the Transaction, the User received funds in error for any reason, the User was not authorized to accept the Transaction, the User received funds related to activities that violate the Agreement, Law or Financial Provider Terms, or a Payment Method Provider or Payment Method Acquirer requires Stripe to reverse under the applicable Financial Provider Terms.

Supporting quotations

Without limiting Stripe’s rights under Sections 5.3 - 5.5 of these Stripe Payments Terms, Stripe may initiate a Reversal if:

the Payment Method Provider invalidates the Transaction

User receives funds in error for any reason

User was not authorized to accept the Transaction

User receives funds related to activities that violate this Agreement, Law or Financial Provider Terms

a Payment Method Provider or Payment Method Acquirer requires Stripe to do so under the applicable Financial Provider Terms

Qualifications & exceptions

• These triggers are in addition to Stripe's general remedies in Sections 5.3 to 5.5.

Charges & Financial Obligations · Company practice

When triggered, Stripe may reverse payments, hold payouts, take a Reserve without notice, suspend you and refuse refunds

If a triggering event under Section 5.3 or 5.4 of these Payments Terms, or under any other provision of the Agreement that refers to these remedies, has occurred, Stripe may, without limiting its other rights: initiate Reversals; change the Payout Schedule or delay or cancel payouts to the User Bank Accounts, Financial Account or Stablecoin Partner Wallet; establish, fund, use and apply a Reserve, including enforcing or drawing on any security interest or lien it holds over the Reserve without demand, legal process or notice of any kind, by applying Reserve funds to liabilities the User owes any Stripe Entity; suspend or terminate the User's ability to accept or process Transactions; manage Disputes that Stripe believes present an unacceptable risk to it; and refuse to process Transactions or act on Refund instructions.

Supporting quotations

5.5 Stripe Remedies – Scope.

Without limiting Stripe’s other rights or remedies under this Agreement, if a triggering event in Sections 5.3 or 5.4 of these Stripe Payments Terms (or any other provision of this Agreement that refers to these remedies) has occurred, then Stripe may:

initiate Reversals

change the Payout Schedule or delay or cancel the payout of funds to the User Bank Accounts, Financial Account, or Stablecoin Partner Wallet

establish, fund, use, and apply a Reserve, which may include enforcing or drawing down upon, without demand, legal process, or notice of any kind, any security interest or lien held by Stripe in respect of the Reserve, by applying the Reserve funds toward settlement of any liabilities owed by User to any Stripe Entity

suspend or terminate User’s ability to accept or process Transactions

manage Disputes that Stripe believes present an unacceptable risk to Stripe

refuse to (i) process Transactions, and (ii) act upon Refund instructions

Qualifications & exceptions

• Available only after a triggering event under Section 5.3, 5.4 or another provision pointing to these remedies.
• Reserve enforcement may happen 'without demand, legal process, or notice of any kind'.
• Other sets of Service Terms (for example the Stripe Connect Terms) also point to these remedies.

Not stated here

• Whether and how Stripe tells the User which remedy it has applied is not stated here.

Charges & Financial Obligations · Company practice

Multi-currency settlement needs an account per currency; rates fix per Transaction, Refunds use the rate at refund time

Stripe may offer Multi-Currency Processing, which lets funds settle to a User Bank Account or Financial Account in a currency different from the one the Customer paid in. To use it, the User must give Stripe a valid bank account or Financial Account for each settlement currency it requests, from the list of available settlement currencies in the Documentation; each counts as a User Bank Account or Financial Account under the Agreement. Stripe identifies the applicable conversion rate at the time of each Transaction. For a Refund, the rate used is the one in effect at the time of the Refund, not the original Transaction's rate.

Supporting quotations

6. Multi-Currency Processing.

Stripe may offer Multi-Currency Processing. To use Multi-Currency Processing, User must provide to Stripe a valid bank account or Financial Account for each currency for which User requests settlement, based on the list of available settlement currencies stated in the Documentation. Each of these bank accounts is a User Bank Account or Financial Account for the purposes of this Agreement. If User uses Multi-Currency Processing, Stripe will identify at the time of each applicable Transaction the conversion rate that will apply to the Transaction. In the event of a Refund, the conversion rate that will be used to calculate the Refund will be the rate in effect at the time of the Refund.

“Multi-Currency Processing” means the ability to have funds settled to a User Bank Account or Financial Account in a currency different from the one in which User accepted payment from a Customer.

Qualifications & exceptions

• Offered at Stripe's option ('may offer') and limited to the settlement currencies listed in the Documentation.
• A Refund is converted at the rate in effect when the Refund is made, which may differ from the rate at the original Transaction.

Not stated here

• How Stripe sets the conversion rate, and any conversion fee, is not stated here.

Charges & Financial Obligations · Restriction or exception

You cover all of Stripe’s fraud-Transaction losses without the General Terms’ liability caps, plus provider audit costs

As between the parties, the User is responsible for all losses, damages and costs Stripe and its Affiliates incur from fraudulent Transactions, and the limitations on liability in Sections 8.3 and 8.4 of the General Terms do not apply to that responsibility. The User also bears the costs of any Financial Provider-initiated audit or forensic investigation arising from or relating to its use of the Stripe Payments Services.

Supporting quotations

11. Fraudulent Transactions.

As between the parties, User is responsible for all (a) losses, damages, and costs Stripe and its Affiliates incur due to fraudulent Transactions, and the limitations on liability in Sections 8.3 and 8.4 of the General Terms do not apply; and (b) costs associated with any Financial Provider-initiated audit or forensic investigation arising out of or relating to User’s use of the Stripe Payments Services.

Qualifications & exceptions

• The General Terms' liability limitations (Sections 8.3 and 8.4) are expressly switched off for fraud losses.
• Audit and forensic investigation costs are covered when a Financial Provider initiates them.

Not stated here

• The content of Sections 8.3 and 8.4 of the General Terms is unknown; the General Terms are not supplied.

Charges & Financial Obligations · Restriction or exception

If Stripe fails to pay out funds it received and owes you, its liability is limited to that amount, not the general cap

The limitation of liability in Section 8.4 of the General Terms does not apply to claims by the User or its Affiliates against the Stripe Parties for failing to transfer settlement funds the Stripe Parties received and owe to the User in connection with the Stripe Payments Services. For those claims, the Stripe Parties' liability is instead limited to the amount they received and owe but failed to transfer.

Supporting quotations

12. Liability for Failure to Transfer Funds.

The limitation of liability in Section 8.4 of the General Terms will not apply to claims User or User’s Affiliates make against the Stripe Parties for failing to transfer any settlement funds the Stripe Parties receive and owe to User in connection with the Stripe Payments Services. For these claims, the Stripe Parties’ liability is limited to the amount that the Stripe Parties have received and owe, but failed to transfer, to User.

Qualifications & exceptions

• Applies only to claims for failure to transfer settlement funds actually received and owed.
• The replacement cap is the unpaid amount itself; consequential losses are not mentioned.

Not stated here

• The content of Section 8.4 of the General Terms is unknown; the General Terms are not supplied.

Charges & Financial Obligations · Restriction or exception

Force majeure under the General Terms never excuses your Dispute, Refund and Reversal liabilities

Nothing in Section 11.13 of the General Terms, the force majeure clause, excuses the User's liabilities and obligations for Disputes, Refunds and Reversals. Those remain payable even during events that might otherwise suspend performance.

Supporting quotations

13. Force Majeure.

Nothing in Section 11.13 of the General Terms will excuse User’s liabilities and obligations with respect to Disputes, Refunds, and Reversals.

Qualifications & exceptions

• Carves Disputes, Refunds and Reversals out of whatever relief Section 11.13 of the General Terms provides.

Not stated here

• The content of Section 11.13 of the General Terms is unknown; the General Terms are not supplied.

Charges & Financial Obligations · Restriction or exception

United States: Stripe and its affiliate SPC are both your agents for pooled settlement funds, replacing Section 4.2

For Users in the United States, Section 4.2 (Pooled Accounts) is replaced. The User appoints both Stripe and its Affiliate Stripe Payments Company (SPC) as agents for the limited purpose of directing, receiving, holding and settling funds. Settlement funds Stripe or SPC receives are pooled with other users' funds at Financial Providers. Once Stripe or SPC receives a Transaction's funds on the User's behalf, the Customer owes nothing further, and if funds are not settled the User's recourse is against Stripe or SPC, as applicable, not the Customer. Stripe will promptly update the account balance. The User has no rights to Pooled Account earnings, cannot draw from a Pooled Account and cannot direct transactions in or out of one.

Supporting quotations

United States.

The following Regional Terms apply for Users in the United States.

15.1 Pooled Accounts.

Section 4.2 (Pooled Accounts) is replaced with the following:

User appoints Stripe and Stripe’s Affiliate, SPC, as User’s agents for the limited purpose of directing, receiving, holding and settling funds under this Agreement. All settlement funds Stripe or, as applicable, SPC receives for Transactions are combined with settlement funds for other users and held in one or more Pooled Accounts at one or more Financial Providers.

If Stripe or SPC (as applicable) does not settle funds due to User under this Agreement, User will have recourse only against Stripe or SPC (as applicable) and not the relevant Customer.

Qualifications & exceptions

• Applies to Users in the United States and replaces Section 4.2 entirely.
• Recourse for unsettled funds lies against whichever of Stripe or SPC holds them.

Charges & Financial Obligations · Restriction or exception

EEA: you have 13 months, not 60 days, to report a Transaction history error for Stripe to help correct

For Users in the European Economic Area, deviating from Section 5.1, if the User finds an error when reconciling its Transaction history, Stripe will reasonably cooperate to investigate and help correct it as long as the User notifies Stripe within 13 months after the error appears in the Transaction history, replacing the general 60-day window.

Supporting quotations

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.

Qualifications & exceptions

• Applies to Users in the European Economic Area and replaces the 60-day window of Section 5.1.

Charges & Financial Obligations · Restriction or exception

Australia: no liability for fraud, Dispute, Refund or Reversal losses caused by Stripe’s own fault

For Users in Australia, the User's sole responsibility for erroneous and fraudulent Transactions (Section 3.9), its responsibility for Disputes, related costs, Refunds and Reversals (Section 5.2), and its responsibility under Section 11 (Fraudulent Transactions) do not apply to the extent the losses, damages and costs arise from the fraud, wilful misconduct or negligent acts or omissions of Stripe or its Affiliates. This carve-out is absent from the general clauses.

Supporting quotations

Australia.

The following Regional Terms apply for Users in Australia.

15.1 Responsibility for Transactions, Disputes, Refunds and Reversals.

User’s sole responsibility for erroneous and fraudulent Transactions in Section 3.9 (User Responsibility for Transactions), User’s responsibility for Disputes and other related costs, Refunds and Reversals in Section 5.2 (Disputes; Refunds; Reversals), and User’s responsibility in Section 11 (Fraudulent Transactions) do not apply to the extent any losses, damages and costs arise out of the fraud, wilful misconduct or negligent acts or omissions of Stripe or its Affiliates.

Qualifications & exceptions

• Applies to Users in Australia.
• The carve-out operates 'to the extent' the loss arises from Stripe's or its Affiliates' fraud, wilful misconduct or negligence.

Charges & Financial Obligations · Procedure

Australia: reconcile monthly, report errors as soon as possible, and keep a 13-month window for Stripe's help

For Users in Australia, deviating from Section 5.1, the duty to review the Transaction history for accuracy and completeness and reconcile it with transfers from the Pooled Accounts to User Bank Accounts and Financial Accounts applies monthly. The User must notify Stripe as soon as possible on finding an error, and Stripe will reasonably cooperate to investigate and help correct it if notified within 13 months after the error appears.

Supporting quotations

15.2 Reconciliation.

Deviating from Section 5.1 (Reconciliation and Responsibility), User’s obligation to review User’s Transaction history for accuracy and completeness and for reconciling it with the history of transfers from the Pooled Accounts to the User Bank Accounts and Financial Accounts applies on a monthly basis. User must notify Stripe as soon as possible if User finds an error. Stripe will reasonably cooperate with User to investigate and help correct the error as long as User notifies Stripe of the error within 13 months after the error appears in User’s Transaction history.

Qualifications & exceptions

• Applies to Users in Australia; replaces the 60-day window of Section 5.1 with 13 months and sets a monthly reconciliation cadence.

Charges & Financial Obligations · Restriction or exception

Brazil: Stripe may add a holding period before your first settlement only to the extent Law permits

For Users in Brazil, for the avoidance of doubt, when transferring settlement funds Stripe may impose an additional holding period before the initial settlement to a User Bank Account, Financial Account or Stablecoin Partner Wallet only to the extent Law permits. This qualifies the general Section 4.3(a) right to impose an initial holding period.

Supporting quotations

15.3 Transaction Settlement Funds.

For the avoidance of doubt, when transferring settlement funds for Transactions, Stripe may only impose an additional holding period before making the initial settlement to a User Bank Account, Financial Account, or Stablecoin Partner Wallet, as applicable, to the extent Law permits.

Qualifications & exceptions

• Applies to Users in Brazil; limits the Section 4.3 initial holding period to what Law permits.

Charges & Financial Obligations · Context

Canada: the key-elements summary, cost-per-transaction and fee disclosures live on a linked disclosures site

For Users in Canada, the Summary of Key Elements of the Agreement, the Cost Per Transaction Disclosure and the Disclosure of Fees are on Stripe's Required Regulatory Disclosures site. Additional fees and pricing information are on the Stripe Pricing Page, in the Agreement and in the Stripe Dashboard. These pages are linked but not supplied.

Supporting quotations

Canada.

The following Regional Terms apply for Users in Canada.

15.1 Required Regulatory Disclosures.

The Summary of Key Elements of the Agreement, Cost Per Transaction Disclosure and Disclosure of Fees can be found on

Qualifications & exceptions

• Applies to Users in Canada.

Not stated here

• The disclosures and pricing pages are external and not supplied; the amounts are not stated here.

Charges & Financial Obligations · Restriction or exception

Hong Kong: local American Express terms apply, Stripe is no fiduciary over pooled funds, third-party sends follow Law

For Users in Hong Kong, the country-specific Terms and Conditions for American Express Card Acceptance apply instead of the American Express Merchant Operating Guide linked in Section 3.4(a). As holder of the Pooled Accounts under Section 4.2, Stripe does not act as a fiduciary or trustee. And Stripe will offer the Section 4.4 ability to send funds to a third party only to the extent Law permits.

Supporting quotations

Hong Kong.

The following Regional Terms apply for Users in Hong Kong.

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 No Fiduciary or Trustee.

As a holder of Pooled Accounts as described in Section 4.2 (Pooled Accounts), Stripe does not act as a fiduciary nor trustee.

15.3 Sending Funds to Third-Party Recipients.

For the avoidance of doubt, Stripe will only offer User the ability to send funds to a third party as described in Section 4.4 (Sending Funds to Third-Party Recipients) to the extent this is permitted by Law.

Qualifications & exceptions

• Applies to Users in Hong Kong.
• The Hong Kong American Express terms are linked, not supplied.

Charges & Financial Obligations · Company practice

India: merchant discount rate charges are billed separately from the Fees under Law, and Stripe may waive them

For Users in India, the Fees do not include amounts for the merchant discount rate (MDR Charges), which are charged in accordance with applicable Law and separately from the Fees. The Stripe Pricing Page describes the MDR Charges, and Stripe reserves the right to waive any that are imposed.

Supporting quotations

15.4 Merchant Discount Rate Charges.

The Fees do not include any amounts towards the merchant discount rate ("MDR Charge(s)"), which will be charged in accordance with applicable Law and separate from the Fees. The Stripe Pricing Page describes the details of the MDR Charges. Stripe reserves the right to waive any such MDR Charges which are imposed.

Qualifications & exceptions

• Applies to Users in India.
• Waiver is at Stripe's discretion.

Not stated here

• The MDR Charge amounts are on the Stripe Pricing Page, not supplied.

Charges & Financial Obligations · Company practice

India: payout speed depends on domestic or cross-border type; providers or your bank may delay settlement for any reason

For Users in India, the Payout Speed may differ between domestic and cross-border transaction types and is stated in the Documentation. Stripe will settle funds to the User Bank Account or Financial Account according to the Payout Speed for that type. However, a Payment Method Provider, a Payment Method Acquirer or the financial institution holding the User's account may delay settlement for any reason.

Supporting quotations

15.9 Payout Speed.

The Payout Speed might differ depending on domestic or cross-border transaction type and is stated in the Documentation. Stripe will settle funds to the User Bank Account or Financial Account according to the Payout Speed applicable to that transaction type. However, a Payment Method Provider, a Payment Method Acquirer, or the financial institution holding the User Bank Account or Financial Account, may delay settlement for any reason.

Qualifications & exceptions

• Applies to Users in India.
• Third-party delays need no reason.

Not stated here

• The Payout Speeds themselves are in the Documentation, not supplied.

Charges & Financial Obligations · Restriction or exception

India: refund to the original method, store no card data beyond what Law allows, show extra charges before payment

For Users in India, all Refunds must go to the original method of payment unless the Customer specifically agrees to a credit to another mode belonging to the same Customer, or Law requires otherwise. The User must not store Customers' card and related data except to the extent applicable Law permits. Any charges other than the price of the goods, services or investment amount must be distinctly displayed to the payer before the transaction.

Supporting quotations

15.11 Refunds.

All Refunds must be made to the original method of payment unless specifically agreed by the User’s Customer to credit to an alternate mode belonging to the same Customer or as required under Law.

15.12 Storage of Card Data.

User must not store Customers’ card and related data, except to the extent applicable Law permits.

15.13 Disclosure of Charges.

User must ensure that any charges, other than the price of goods, services or investment amount, are distinctly displayed to the payer prior to the transaction.

Qualifications & exceptions

• Applies to Users in India.
• Refunds to another mode require the same Customer's specific agreement or a legal requirement.
• Card data storage is allowed only to the extent applicable Law permits.

Charges & Financial Obligations · Restriction or exception

Malaysia: no BNM-regulated banking or remittance; you bear fraud losses unless a rule like 3-D Secure protects you

For Users in Malaysia, Stripe does not offer banking or remittance services regulated by Bank Negara Malaysia. The Payment Method Rules describe situations, such as a Transaction that fully complies with the 3-D Secure specification, in which the User is not held liable for unauthorized Transactions; outside those situations the User is solely responsible for fraudulent Transactions under Sections 3.9 and 11 of the Payments Terms.

Supporting quotations

Malaysia.

The following Regional Terms apply for Users in Malaysia.

15.1 No Banking or Remittance Services.

Stripe does not offer banking or remittance services regulated by Bank Negara Malaysia.

15.2 Fraudulent Transactions.

However, if User does not fall within such a situation, User is solely responsible for fraudulent Transactions as described in Section 3.9 (User Responsibility for Transactions) and Section 11 (Fraudulent Transactions).

Qualifications & exceptions

• Applies to Users in Malaysia.
• Relief from fraud liability depends on falling within a situation the Payment Method Rules describe, such as full 3-D Secure compliance.

Not stated here

• The Payment Method Rules and the 3-D Secure specification are external, not supplied.

Charges & Financial Obligations · Restriction or exception

Mexico: Stripe is your non-exclusive agent under the Commercial Code, and third-party fund sending is not offered

For Users in Mexico, for the avoidance of doubt, the User appoints Stripe as a non-exclusive agent as specified in Section 4.2 (Pooled Accounts), and Stripe unconditionally accepts the appointment as described under the Mexican Commercial Code. Stripe will not offer Mexican Users the Section 4.4 ability to send funds to a third party.

Supporting quotations

Mexico.

The following Regional Terms apply for Users in Mexico.

15.1 Appointment as non-exclusive Agent.

For the avoidance of doubt, User appoints Stripe as a non-exclusive agent as further specified in Section 4.2 (Pooled Accounts), and Stripe unconditionally accepts the appointment as described under the Mexican Commercial Code.

15.2 Sending Funds to Third-Party Recipients.

For the avoidance of doubt, Stripe will not offer User the ability to send funds to a third party as described in Section 4.4 (Sending Funds to Third-Party Recipients).

Qualifications & exceptions

• Applies to Users in Mexico.
• The agency is non-exclusive; the third-party sending feature is unavailable.

Not stated here

• The Mexican Commercial Code is cited by name; its text is not supplied.

Charges & Financial Obligations · Restriction or exception

Mexico: Customers may choose installments at the same total with no interest; PCI Standards include IFAI guidelines

For Users in Mexico who elect to offer installment payments, the Customer decides whether to pay in one installment or several. If the Customer chooses multiple installments, the User must charge the same total it would have charged for a single payment and may not charge interest on the installments. The definition of PCI Standards also includes the Mexican PCI guidelines issued by the Federal Institute of Access to Information (IFAI).

Supporting quotations

15.3 Installments Payments.

If User elects to offer to User’s Customers payment in installments, User’s Customer may decide whether payment will be carried out in one single installment or in multiple installments. If User’s Customer selects payment in multiple installments, User agrees to charge User’s Customer the same total amount that would be charged if payment was carried out in one single installment, and User will not charge User’s Customer any interest costs on installment payments.

15.4 PCI Standards.

The definition of PCI Standards also includes the guidelines in Mexico for PCI issued by the Federal Institute of Access to Information (Instituto Federal de Acceso a la Información or IFAI).

Qualifications & exceptions

• Applies to Users in Mexico; the installment rules apply only if the User elects to offer installments.

Not stated here

• The IFAI guidelines are cited by name; their text is not supplied.

Charges & Financial Obligations · Restriction or exception

New Zealand: no liability for fraud, Dispute, Refund or Reversal losses caused by Stripe's own fault

For Users in New Zealand, as for Australia, the User's sole responsibility for erroneous and fraudulent Transactions (Section 3.9), for Disputes, related costs, Refunds and Reversals (Section 5.2) and under Section 11 (Fraudulent Transactions) does not apply to the extent the losses, damages and costs arise from the fraud, wilful misconduct or negligent acts or omissions of Stripe or its Affiliates.

Supporting quotations

New Zealand.

The following Regional Terms apply for Users in New Zealand.

15.1 Responsibility for Transactions, Disputes, Refunds and Reversals.

User’s sole responsibility for erroneous and fraudulent Transactions in Section 3.9 (User Responsibility for Transactions), User’s responsibility for Disputes and other related costs, Refunds and Reversals in Section 5.2 (Disputes; Refunds; Reversals), and User’s responsibility in Section 11 (Fraudulent Transactions) do not apply to the extent any losses, damages and costs arise out of the fraud, wilful misconduct or negligent acts or omissions of Stripe or its Affiliates.

Qualifications & exceptions

• Applies to Users in New Zealand.
• Operates 'to the extent' the loss arises from Stripe's or its Affiliates' fraud, wilful misconduct or negligence.

Charges & Financial Obligations · Procedure

New Zealand: reconcile monthly, report errors as soon as possible, and keep a 13-month window for Stripe's help

For Users in New Zealand, deviating from Section 5.1, the duty to review and reconcile the Transaction history applies monthly; the User must notify Stripe as soon as possible on finding an error, and Stripe will reasonably cooperate to investigate and help correct it if notified within 13 months after the error appears.

Supporting quotations

15.2 Reconciliation.

Deviating from Section 5.1 (Reconciliation and Responsibility), User’s obligation to review User’s Transaction history for accuracy and completeness and for reconciling it with the history of transfers from the Pooled Accounts to the User Bank Accounts and Financial Accounts, as applicable, apply on a monthly basis. User must notify Stripe as soon as possible if User finds an error. Stripe will reasonably cooperate with User to investigate and help correct the error as long as User notifies Stripe of the error within 13 months after the error appears in User’s Transaction history.

Qualifications & exceptions

• Applies to Users in New Zealand; replaces the 60-day window with 13 months and sets a monthly cadence.

Charges & Financial Obligations · Restriction or exception

Japan: Stripe may pay out faster than your schedule when Law requires; recurring charges need all legal disclosures

For Users in Japan, in addition to Section 4.3 and for the avoidance of doubt, Stripe may transfer settlement funds faster than the Payout Schedule states if Law requires it. For recurring or subscription Transactions, in addition to the Section 4.6 requirements, the User must disclose to Customers all information about those Transactions that Law requires before submitting the initial Transaction.

Supporting quotations

15.3 Shorter Settlement Period Required by Law.

In addition to Section 4.3 (Transaction Settlement Funds) and for the avoidance of doubt, Stripe may also transfer settlement funds faster than as stated in the Payout Schedule if required by Law.

15.4 Recurring or Subscription Transactions.

In addition to the further requirements in Section 4.6 (Subscriptions and Invoicing) for recurring or subscription Transactions, User must disclose all information about the relevant Transactions to Customers as Law requires before submitting the initial Transaction.

Qualifications & exceptions

• Applies to Users in Japan.
• Faster settlement is a legal override of the Payout Schedule, not a User option.

Not stated here

• Which Law requires faster settlement or the recurring-payment disclosures is not named.

Charges & Financial Obligations · Company practice

Japan: for methods without native refunds, Stripe returns funds and debits you, unasked after 90 days or on triggers

For Users in Japan, where a Payment Method has no native Refund or Reversal function, such as Japan Bank Transfers or Konbini, Stripe processes Refunds and Reversals by returning funds to the Customer and then deducting the amount from the User's Stripe Account (a Non-Native Refund). Either the User or Stripe may initiate one, but the User always bears the obligation to return the funds. A User-initiated Non-Native Refund requires an instruction to Stripe, and the User is solely liable for errors in it. Stripe may initiate one with or without the User's approval if a Customer asks Stripe or the Payment Method Provider for a refund because the Transaction was unauthorized, fraudulent or in error; if Law or a court order requires; if the User keeps settlement funds in its Stripe Account for more than 90 days without Stripe's approval; if Stripe reasonably determines a Section 5.3 specific trigger has occurred; or if a Section 5.2(c) Reversal event occurs. If Stripe lacks the information to process a Non-Native Refund, the User must promptly supply it on request or immediately return the funds to the Customer itself.

Supporting quotations

15.5 Non-Native Refunds and Reversals.

For Payment Methods that do not have a native Refund or Reversal functionality, such as Japan Bank Transfers or Konbini, Stripe will process Refunds and Reversals to return funds to Customers and subsequently deduct a corresponding amount from User’s Stripe Account (“Non-Native Refund”). A Non-Native Refund may be initiated by User or Stripe but, in each case, User incurs the obligation to return the funds to User’s Customers. If User wishes to initiate a Non-Native Refund, User must instruct Stripe to process the Non-Native Refund and User is solely liable for any errors in that Non-Native Refund.

Stripe may also initiate a Non-Native Refund with or without User’s approval, if:

a Customer requests a Non-Native Refund from Stripe or a Payment Method Provider because the Transaction was unauthorized, fraudulent or in error

required by Law or court order

User retains settlement funds in User’s Stripe Account for more than 90 days, unless otherwise approved by Stripe

Stripe reasonably determines that any of the specific triggers under Section 5.3 (Stripe Remedies – Specific Triggers) has occurred

any of the events that would give rise to Stripe’s ability to initiate a Reversal under Section 5.2(c) (Reversals) occurs

Where Stripe does not have the information required to process a Non-Native Refund, User must either promptly provide Stripe with this information upon Stripe’s request or User must immediately return the relevant funds to the Customer.

Qualifications & exceptions

• Applies to Users in Japan and to Payment Methods without native Refund or Reversal functionality.
• Stripe's unilateral refund right includes a 90-day retention trigger that Stripe can waive by approval.
• The User's obligation to return funds applies whether Stripe or the User initiates the refund.

Not stated here

• Which other Payment Methods count as lacking native refund functionality is not listed.

Charges & Financial Obligations · Restriction or exception

UAE: Network International acquires Visa and Mastercard, binds you to its terms, is named to Customers and is co-agent

For Users in the United Arab Emirates, Network International, LLC is the Payment Method Acquirer for Visa and Mastercard Transactions. Submitting Visa or Mastercard Charges through the Stripe Services counts as agreement to the Network International Financial Services Terms (linked, not supplied), and under the Payment Method Rules Visa and Mastercard may enforce the Agreement directly against the User; the American Express conversion clause (Section 3.5) does not apply. Deviating from Section 3.7(d), the User must tell Customers that Stripe, its Affiliates where applicable, and Network International, LLC process its Transactions. Deviating from Section 4.2, the User appoints both Stripe and Network International, LLC as its agent for pooled settlement funds, so references to Stripe in that section mean Stripe or Network International as applicable.

Supporting quotations

United Arab Emirates.

The following Regional Terms apply for Users in the United Arab Emirates.

15.1 Network International, LLC as Payment Method Acquirer.

The Payment Method Acquirer for Visa and Mastercard Transactions is Network International, LLC. By using the Stripe Services to submit Visa or Mastercard Charges, User agrees to the Network International Financial Services Terms

In addition, pursuant to the applicable Payment Method Rules, Visa and Mastercard may enforce the terms of this Agreement directly against User. Section 3.5 (American Express Conversion – Only Applicable to the American Express Card Network) does not apply.

15.2 Customer Communications.

Deviating from Section 3.7 (d) (Customer Communications), User must inform Customers that Stripe and, if applicable, its Affiliates, and Network International, LLC process Transactions for User.

15.3 Appointment as Agent.

Deviating from Section 4.2 (Pooled Accounts), User appoints Stripe and Network International, LLC as User’s agent as further specified in that Section, and accordingly, any reference to Stripe in that section is a reference to Stripe or Network International, LLC (as applicable).

Qualifications & exceptions

• Applies to Users in the United Arab Emirates.
• Agreement to the Network International terms arises by submitting Visa or Mastercard Charges.
• Section 3.5 (American Express conversion) does not apply.

Not stated here

• The Network International Financial Services Terms are external and not supplied.
• Which entity acquires non-Visa, non-Mastercard Payment Methods in the UAE is not stated.

Charges & Financial Obligations · Procedure

Tell Customers the local-currency service may include a markup and extra network fees, and offer them a currency choice

When using the Stripe Adaptive Pricing Services, the User must inform each Customer that, as between the User and Stripe, the User is providing a service letting the Customer pay in its local currency; that the service may include a markup on the prevailing exchange rate; and that a Card Network may impose additional transaction fees on purchases from foreign merchants even if the Customer pays in local currency. The User must also present each Customer with the option of paying in either the Integration Currency, the currency in which the User originally prices its goods, or the Customer's local currency as Stripe determines it.

Supporting quotations

2. Use of the Stripe Adaptive Pricing Services.

2.1 User Obligations. When using the Stripe Adaptive Pricing Services, User must:

inform each Customer that (i) as between User and Stripe, User is providing Customer a service that enables Customer to remit payment in Customer’s local currency, (ii) this service may include a markup on the prevailing currency exchange rate, and (iii) a Card Network may impose additional transaction fees on Customer’s purchases from foreign merchants, even if Customer chooses to pay in its local currency

present each Customer with the option of paying in either the Integration Currency, or in the Customer’s local currency, as determined by Stripe.

“Integration Currency” means the currency in which a User originally prices its goods and services.

Qualifications & exceptions

• The disclosures frame the User, not Stripe, as the provider of the local-currency service to the Customer.
• The local currency offered is 'as determined by Stripe'.

Charges & Financial Obligations · Company practice

Stripe alone sets the exchange rate, may add a markup, may use another rate on settlement or refunds, may cut currencies

Stripe determines the Currency Exchange Rate for each Transaction in its sole discretion and may include its own markup in it. For any individual Transaction, Stripe may apply a different rate when it settles the resulting funds into the User's Stripe Account or when issuing Refunds. Stripe may add or remove supported currencies, and enable or disable interoperability of Adaptive Pricing with other Services, at any time in its sole discretion without notice to the User.

Supporting quotations

3. Stripe’s Rights.

Stripe will determine the Currency Exchange Rate for each Transaction in its sole discretion. Stripe may include its own markup within the Currency Exchange Rate. With respect to any individual Transaction, Stripe may apply a different exchange rate than the Currency Exchange Rate when Stripe settles the resulting funds into User’s Stripe Account, or when issuing Refunds.

Stripe may add or remove supported currencies at any time in its sole discretion without notice to User.

Stripe may enable or disable the interoperability of the Stripe Adaptive Pricing Services with other Services at any time in its sole discretion without notice to User.

“Currency Exchange Rate” means the Stripe-determined currency exchange rate applied during a Customer transaction to convert the prices of goods and services into Customer’s local currency.

Qualifications & exceptions

• Rate setting, currency support and interoperability are all at Stripe's sole discretion.
• No notice is required for currency or interoperability changes.
• The settlement or Refund rate may differ from the rate shown to the Customer.

Not stated here

• The size of Stripe's markup is not stated.

Charges & Financial Obligations · Company practice

Sellers decide whether to submit; Stripe may refuse risky transactions or drop sellers without liability; tokens

Agentic Sellers (third-party sellers offering goods to Agentic Customers) may process Agentic Transactions through the Stripe Payments Services or route the data to another payment provider through the Stripe Orchestrated Services; where they use Stripe Payments, completion depends on the seller choosing to submit the transaction, and Stripe is not responsible for ensuring a seller submits. Stripe and its Affiliates may decline, cancel or refuse to facilitate any Agentic Transaction Stripe reasonably believes is unauthorized, fraudulent, illegal or exposes Stripe, the User, sellers, payment methods or customers to unacceptable risk, without liability to the User. Stripe is not liable, and not in breach, if it or an Affiliate refuses to onboard or stops serving any Agentic Seller. Where Agentic Payment Method Providers request it, the User authorizes Stripe to provision Agentic Tokens on its behalf, which may involve submitting Agentic Customer and seller information to the Provider, to share the tokens with sellers, Providers and Stripe Connect Platforms, and to use them as reasonably necessary to facilitate transactions.

Supporting quotations

5. Stripe's Rights.

Where the Agentic Seller uses the Stripe Payments Services, completion of the Agentic Transaction by Stripe is subject to the Agentic Seller, at its discretion, submitting the transaction and directing Stripe to process the payment. In either case, Stripe is not responsible for ensuring that an Agentic Seller submits a transaction for payment processing.

Stripe and its Affiliates may decline, cancel, or refuse to facilitate any Agentic Transaction that Stripe reasonably believes is unauthorized, fraudulent, illegal, or exposes Stripe, User, Agentic Sellers, Agentic Payment Methods or Agentic Customers to unacceptable risk. Stripe is not liable to User for this refusal.

Stripe is not liable to User, nor will Stripe be in breach of this Agreement, if Stripe or any Affiliate refuses to onboard or discontinues the provision of Stripe services or Stripe Technology to any Agentic Seller.

Agentic Payment Method Providers may request that Stripe provision Agentic Tokens for use in initiating Agentic Transactions, and User authorizes Stripe to: (a) provision Agentic Tokens on User's behalf, which may involve submitting information (including Agentic Customer Information and Agentic Seller information) to the Agentic Payment Method Provider; (b) share Agentic Tokens with Agentic Sellers, Agentic Payment Method Providers, and if applicable Stripe Connect Platforms; and (c) otherwise use those Agentic Tokens as reasonably necessary to facilitate Agentic Transactions.

"Agentic Seller" means a third party seller of goods or services that has made its goods or services available for purchase by Agentic Customers.

Qualifications & exceptions

• Refusal requires Stripe's reasonable belief in unauthorized, fraudulent, illegal or unacceptably risky activity.
• Stripe bears no liability for refused transactions or for refusing or discontinuing a seller.
• Token provisioning may involve submitting Agentic Customer Information to the Payment Method Provider.

Not stated here

• What an Agentic Token is technically is not defined in this packet.

Charges & Financial Obligations · Context

Agent-initiated sales run through Stripe Payments under the Payments Terms, or other processors under Orchestrated Terms

Stripe makes the Stripe Payments Services available for AC Transactions the User submits, and the Stripe Payments Terms apply when the User processes AC Transactions that way. Certain Integrations require use of the Stripe Payments Services, as the Documentation describes. If the User instead processes AC Transactions with third-party payment service providers, the Stripe Orchestrated Services Terms apply.

Supporting quotations

2. Processing AC Transactions.

Stripe will make Stripe Payments Services available for AC Transactions submitted by User to Stripe. The Stripe Payments Terms apply to AC Transactions when User uses Stripe Payments Services to process AC Transactions. Certain Integrations require the use of Stripe Payments Services, as described in the Documentation. The Stripe Orchestrated Services Terms apply if User processes AC Transactions with third party payment services providers.

Qualifications & exceptions

• Some Integrations mandate Stripe Payments; the Documentation says which.

Not stated here

• The Documentation is not supplied.

Charges & Financial Obligations · Restriction or exception

You alone calculate, collect and remit sales, VAT, GST and similar taxes on agent-initiated sales

The User is solely responsible for calculating, collecting and remitting Indirect Taxes on AC Transactions. Indirect Taxes are transaction taxes and duties imposed by any Governmental Authority, including sales and use tax, VAT, GST and equivalents.

Supporting quotations

User is solely responsible for calculating, collecting, and remitting Indirect Taxes on AC Transactions.

“Indirect Taxes” means any applicable transaction taxes and duties imposed by any Governmental Authority, including sales and use tax, value-added tax (VAT), and goods and services tax (GST), or equivalent transaction taxes.

Charges & Financial Obligations · Company practice

Fees for Payments, Radar and other Services on agent sales apply on top; Stripe may deduct the agent platform’s fees

In addition to the Fees for the Seller Services on the Stripe Pricing Page or agreed in writing, the Fees for any other Services used in relation to AC Transactions or as part of the Seller Services apply to the User, including Fees for the Stripe Payments Services and Stripe Radar Services. If the AC Interface Provider directs it, Stripe may deduct fees the User owes the Provider from AC Transactions processed through the Stripe Payments Services and remit them to the Provider.

Supporting quotations

In addition to Fees listed on the Stripe Pricing Page or otherwise agreed in writing for Stripe Agentic Commerce Seller Services, the Fees for any other Services used in relation to AC Transactions or as part of Stripe Agentic Commerce Seller Services will apply to User, including Fees for Stripe Payments Services and Stripe Radar Services. If directed by AC Interface Provider, Stripe may deduct fees payable by User to the AC Interface Provider from AC Transactions processed through the Stripe Payments Services and remit those fees to AC Interface Provider.

Qualifications & exceptions

• Deduction of platform fees happens at the AC Interface Provider's direction, from Transactions processed through Stripe Payments.

Not stated here

• The fee amounts are on the Stripe Pricing Page or in separate agreements, not supplied.
• The User's fee arrangement with the AC Interface Provider is outside this document.

Charges & Financial Obligations · Company practice

Billing can connect you to third-party and LLM services; Stripe may bill their fees, or you pay providers directly

Certain Billing features let the User access Third-Party Services, which include LLM Services: a large language model and related services from an LLM Provider the User selects and enables via Billing. Stripe may collect fees from the User for using Third-Party Services through Billing, including LLM Fees, the charges the LLM Provider bills Stripe at query and response time; the Agreement's fee-payment and collection provisions apply to them. If instead the User integrates directly with an LLM Provider or other Third-Party Service provider, or through another Third-Party Service, it is solely responsible for paying that provider directly. The User may need to create an account with the Third-Party Service provider.

Supporting quotations

2. Third-Party Services; LLM Services and Fees.

Certain features of the Stripe Billing Services allow User to access and use Third-Party Services. LLM Services are Third-Party Services. Stripe may collect fees (including LLM Fees) from User for User’s use of Third-Party Services via the Stripe Billing Services. User’s obligation to pay fees and Stripe’s rights to collect fees under this Agreement apply to those fees.

If User integrates directly with a Third-Party Service provider (including an LLM Provider), or uses another Third-Party Service through which to integrate with an LLM Provider, User is solely responsible for and must pay directly to the LLM Provider or Third-Party Service provider (as applicable) any fees for use of the Third-Party Services.

User may be required to create an account with a Third-Party Service provider to use Third-Party Services.

“LLM Fees” shall mean the fees charged by the LLM Provider to Stripe at the time of query and response for User’s use of the LLM Services.

“LLM Provider” means a third-party provider of an LLM that User selects and enables for use via the Stripe Billing Services.

“LLM Services” means an LLM and related services provided by an LLM Provider, which User accesses via the Stripe Billing Services.

Qualifications & exceptions

• Stripe collects LLM Fees only when the LLM Service is used via the Billing Services; direct integrations are paid directly to the provider.

Not stated here

• LLM Fee amounts are set by the LLM Provider and not stated here.

Charges & Financial Obligations · Restriction or exception

Keep financing to business use and lawful purposes, report misuse at once, hold licenses, market only where approved

The User must ensure Prospects apply for, and Financing Recipients use, Stripe Capital Financing only in compliance with Law and only for their Business Purposes, never personal, family or household use, and must immediately notify Stripe on learning that a recipient has used proceeds otherwise or unlawfully. The User must maintain every regulatory license, registration, authorization, permit or waiver any Governmental Authority requires for its activities under these terms, and must conduct all financing-related marketing only in the Approved Territory, the Stripe-approved jurisdictions where its Connected Accounts may be eligible to become Prospects. A Stripe Capital Advance, a merchant cash advance or receivables-purchase agreement from a Capital Provider, is not intended to be and is not to be construed as a loan.

Supporting quotations

2. Stripe Capital Financing.

2.1 Nature and Use of Stripe Capital Financing.

User must ensure that Prospects only apply for, and Financing Recipients only use, Stripe Capital Financing in compliance with all Laws and only for their Business Purposes (and not for personal, family or household use). User must immediately notify Stripe if, at any time, User becomes aware that a Financing Recipient has used or is using the proceeds of a Stripe Capital Financing for any purpose other than Financing Recipient’s Business Purpose (and not for personal, family or household use) or in any manner that does not comply with all Laws.

User must maintain all regulatory licenses, registrations, authorizations, permits, and other permissions (or waivers) required by any Governmental Authority in connection with its activities and obligations under these terms. User must undertake all marketing financing-related activities in connection with the Stripe Capital for Platforms Services and these Stripe Capital for Platforms Terms only in the Approved Territory.

A Stripe Capital Advance is not intended to be, nor will it be construed as, a loan or any other lending transaction.

“Approved Territory” means a Stripe-approved jurisdiction or region in which User’s Connected Accounts may be eligible to become Prospects.

“Stripe Capital Advance” means a merchant cash advance agreement or a purchase of receivables agreement provided by a Capital Provider to a Prospect.

Qualifications & exceptions

• Misuse of proceeds must be reported immediately.
• Marketing is limited to the Approved Territory.

Not stated here

• Which jurisdictions are Approved Territories is not listed.

Charges & Financial Obligations · Company practice

Present Prequalified Offers within 1 business day as approved; Stripe may revoke offers or cancel financing freely

A Prequalified Offer is an offer to submit an application for Stripe Capital Financing. If the User elects to present them, it must use the form and substance Stripe approved, present each offer within 1 business day of receiving it, by email or another method Stripe approves in writing. If the User erroneously presents an offer, or a Capital Provider revokes one, the User must immediately take corrective action as Stripe instructs at its own expense; if Stripe erroneously presented the offer, the User still takes the corrective action but at Stripe's expense. Stripe may, for itself or a Capital Provider, revoke a Prequalified Offer or cancel or terminate a Stripe Capital Financing for any reason, before or after funds are disbursed, and disclaims all liability to the User for financings, revocations and cancellations. Using the Service does not guarantee that any Connected Account will receive an offer. A Financing Recipient is a Prospect who accepted an offer, was approved by a Capital Provider and agreed to Financing Terms.

Supporting quotations

2.4 Prequalified Offers.

If User has elected to present Prequalified Offers to Prospects, User must present all Prequalified Offers in the form and substance approved by Stripe. User must present a Prequalified Offer for a Prospect within 1 business day after User receives it. User may present a Prequalified Offer to a Prospect via email or by any other method approved by Stripe in writing. If User erroneously presents a Prospect or Connected Account with a Prequalified Offer, or if a Capital Provider decides to revoke a Prequalified Offer, then at User’s expense, User must immediately take corrective action as instructed by Stripe.

If Stripe erroneously presents a Prequalified Offer to a Prospect or Connected Account, or if a Capital Provider decides to revoke a Prequalified Offer, then at Stripe’s expense, User must immediately take corrective action as instructed by Stripe.

Stripe may, on behalf of itself or a Capital Provider, revoke a Prequalified Offer or cancel or terminate a Stripe Capital Financing for any reason whether before or after funds have been disbursed. Stripe disclaims all liability to User with respect to Stripe Capital Financings, including if a Prequalified Offer is revoked, or if a Stripe Capital Financing is cancelled or terminated.

User’s use of the Stripe Capital for Platforms Services does not in any way guarantee that a Connected Account will receive a Prequalified Offer.

“Prequalified Offer” means an offer to submit an application to receive Stripe Capital Financing.

“Financing Recipient” means a Prospect who has accepted a Prequalified Offer, has been approved by a Capital Provider, and has agreed to Financing Terms.

Qualifications & exceptions

• The 1-business-day presentation deadline applies when the User elects to present offers itself.
• Corrective action is at the User's expense for User errors and at Stripe's expense for Stripe errors.
• Revocation or cancellation needs no reason and may happen after disbursement.

Not stated here

• The Financing Terms between recipients and Capital Providers are separate documents, not supplied.

Charges & Financial Obligations · Restriction or exception

Neither you nor a Prospect picks the Capital Provider or financing type; recipients must comply with Financing Terms

Neither the User nor a Prospect may select or demand a specific Capital Provider or type of Stripe Capital Financing. The User must ensure that Prospects who become Financing Recipients cooperate with Stripe to comply with their Financing Terms, the loan or advance agreement among the Connected Account, the Capital Provider and other relevant parties, and that they can access financing-related information.

Supporting quotations

Neither User nor a Prospect may select or demand a specific Capital Provider or type of Stripe Capital Financing.

2.6 Financing Terms.

User must ensure that all Prospects that become Financing Recipients cooperate with Stripe to comply with its applicable Financing Terms and can access financing-related information.

“Financing Terms” means a Stripe Capital Loan agreement or a Stripe Capital Advance agreement, in either case, among a Connected Account, a Capital Provider, and any other relevant parties.

Qualifications & exceptions

• The Financing Terms are separate agreements between the recipient and the Capital Provider, not supplied here.

Charges & Financial Obligations · Restriction or exception

Process financed accounts through Stripe until paid off; do not cut them off except for departure or serious risk

Unless Stripe permits otherwise in writing, the User must use the Stripe Payments Services for all Financing Recipients with outstanding obligations under a Stripe Capital Financing until those obligations are fully satisfied, and for all Prospects whose eligibility is under review. The User must not terminate or restrict a Financing Recipient's access to its Platform Services or the Stripe Payment Services, except where the recipient stops being a Platform User, or in cases of credit risk, fraud or other reasons posing an unreasonable legal or reputational risk to the User. If the User does terminate or restrict a recipient with outstanding obligations, it must immediately notify Stripe and take all actions Stripe directs to ensure the recipient pays in full.

Supporting quotations

2.7 Payment Processing Through Stripe.

Except as otherwise permitted by Stripe in writing, User must use the Stripe Payments Services for (a) all Financing Recipients with outstanding obligations under a Stripe Capital Financing until those obligations have been fully satisfied, and (b) all Prospects whose eligibility for Stripe Capital Financing is then-currently under review. User must not terminate or restrict a Financing Recipient’s access to User’s Platform Services or the Stripe Payment Services, except (x) if a Financing Recipient ceases to be a Platform User, or (y) in the event of credit risk, fraud, or other reasons which would pose an unreasonable legal or reputational risk to User.

If User terminates or restricts the access of a Financing Recipient to User’s Platform Services and that Financing Recipient has outstanding obligations under a Stripe Capital Financing, then User must immediately notify Stripe, and take all actions necessary, as directed by Stripe, to ensure that the Financing Recipient pays those outstanding amounts in full.

Qualifications & exceptions

• The Stripe Payments requirement lasts until the financing is fully repaid, and also covers Prospects under review.
• Cutting off a recipient is allowed only if they cease to be a Platform User or pose credit, fraud, legal or reputational risk.

Charges & Financial Obligations · Context

After funds are paid out, a Servicer such as Stripe Servicing, Inc. manages the financing, not you

Where applicable, the Servicer provides all Servicing to Financing Recipients. Servicing is the management and administration of a Stripe Capital Financing after funds are disbursed, and a Servicer is an entity Stripe, a Capital Provider or a purchaser of the financing designates for that role, including Stripe Servicing, Inc. and its Affiliates, agents and subcontractors.

Supporting quotations

3. Servicing.

If applicable, the Servicer will provide all Servicing to Financing Recipients.

“Servicer” means an entity or group of entities that Stripe, a Capital Provider, or a purchaser of a Stripe Capital Financing may designate to manage a Stripe Capital Financing, including Stripe Servicing, Inc. (and its Affiliates, as applicable), and any of their respective agents, assigns, subcontractors, or representatives.

“Servicing” means the management and administration of Stripe Capital Financing after funds have been disbursed to the Financing Recipient.

Qualifications & exceptions

• Applies 'if applicable'; the Servicer may be designated by Stripe, a Capital Provider or a purchaser of the financing.

Charges & Financial Obligations · User right or choice

Climate Commitment is opt-in and changeable any time; Stripe deducts the funds from your balance, non-refundable

A User who elects to contribute Climate Commitment Funds, the amount it voluntarily allocates as a revenue percentage, flat monthly sum or another method Stripe accepts, must opt in during Stripe Account onboarding or in the Dashboard, and may opt out, change or pause the contribution at any time there. Stripe or an Affiliate may deduct the funds from the User's Stripe Account balance or User Bank Account per Transaction or as an aggregated periodic amount, as the Dashboard describes. Stripe allocates all the funds to advancing carbon removal, such as buying CRUs or funding research and development. The funds are not refundable.

Supporting quotations

2. Stripe Climate Commitment.

2.1 Opting In and Out, and Changes.

If User elects to contribute Climate Commitment Funds, User must opt in to contributions via the Stripe Account onboarding process or the Stripe Dashboard. User may opt out of, change, or pause a contribution at any time in User's Stripe Dashboard.

2.2 Climate Commitment Funds.

Stripe or its Affiliate may deduct the Climate Commitment Funds from User's Stripe Account balance or User Bank Account on a per-Transaction basis, or as an amount aggregated over a period of time, as described in User's Stripe Dashboard. Stripe will allocate all Climate Commitment Funds to advance the field of carbon removal, through activities such as purchasing CRUs, or funding research and development for new carbon removal technologies. Climate Commitment Funds are not refundable.

“Climate Commitment Funds” means the amount User chooses to voluntarily allocate to Climate Projects through Stripe Climate Commitment, as a percentage of User’s revenue or a flat monthly amount, or another method of calculation Stripe accepts.

Qualifications & exceptions

• Contributions are voluntary and can be stopped, changed or paused at any time.
• Once deducted, Climate Commitment Funds are not refundable.

Charges & Financial Obligations · Company commitment

Stripe decides when and where to allocate your Climate funds, reports back, keeps none for overhead, promises no results

The goal of Climate Commitment is to advance carbon removal, and the funds are used for that goal. Stripe will use reasonable efforts to fund impactful Climate Projects, but the recipients are developing new technology in an evolving industry, their survival and success are not guaranteed, development timelines are long, impact may not be immediate, and the chosen technologies may fail to deliver any carbon removal or may take years to produce results. Stripe decides when to allocate the funds to Climate Projects, informs the User how they were allocated, and will not apply them to its own corporate or administrative costs.

Supporting quotations

The goal of Stripe Climate Commitment is to help advance the field of carbon removal, and Climate Commitment Funds will be used in support of that goal. While Stripe will use reasonable efforts to fund impactful Climate Projects, companies receiving Climate Commitment Funds are developing new technology in an evolving industry and their survival and success in addressing climate issues are not guaranteed. Development timelines of many new technologies are long, the resulting impact may not be immediate, and there is always a risk that the chosen technologies fail to deliver any carbon removal.

Stripe will determine when to allocate Climate Commitment Funds to Climate Projects, and Stripe will inform User about how Climate Commitment Funds were allocated. Stripe will not apply Climate Commitment Funds toward its own corporate or administrative costs.

Qualifications & exceptions

• Stripe's commitment is 'reasonable efforts' to fund impactful projects, with express risk that no carbon removal results.
• Allocation timing is at Stripe's discretion; reporting back is promised.

Not stated here

• 'Climate Projects' is a capitalized term defined in the definitions section, analyzed in the next packet.

Charges & Financial Obligations · Company practice

Frontier buys removal units under future offtakes; supply is not guaranteed and Frontier may substitute or ration

Frontier acquires Carbon Removal Units (CRUs), specified amounts of carbon dioxide removed from the atmosphere, through Offtake Agreements, binding contracts to buy future tons of removal if and when delivered, and will review their sources and governing terms to the extent commercially reasonable. Frontier makes Retirement Services (permanently retiring a CRU from carbon markets in the selected year) available for purchase subject to CRU availability, Frontier securing the rights for future delivery, and Frontier actually receiving the CRUs. The User may check availability and buy through the Climate API or Dashboard, but it is the User's responsibility to verify that the CRUs meet its needs or a Beneficiary's. Frontier may be unable to acquire enough CRUs; the CRUs retired may come from an offtake signed after the User's purchase; and Frontier may substitute one supplier's CRU for another's or allocate current inventory among Purchasers.

Supporting quotations

3.2 CRUs.

Frontier uses Offtake Agreements to acquire CRUs. To the extent commercially reasonable, Frontier will review (i) the sources of CRUs; and (ii) the terms governing the generation of those CRUs.

Frontier will make Retirement Services available to User for purchase subject to: (i) the availability of CRUs in carbon markets; (ii) Frontier’s ability to secure all necessary rights (including contractual rights) for the future delivery of the CRUs; and (iii) Frontier’s receipt of those CRUs. User may verify the availability of CRUs for Retirement, and purchase Retirement Services using the Climate API or the Stripe Dashboard. While Frontier will provide User with information about the CRUs available for Retirement, it is User's responsibility to verify that the CRUs meet User's needs or the needs of a Beneficiary.

Frontier may be unable to acquire sufficient quantities of CRUs to fulfill orders for Retirement Services. The CRU(s) that Frontier ultimately Retires on User's behalf may have been generated from an Offtake Agreement that Frontier executed after User's initial purchase. In order to provide Retirement Services, Frontier reserves the right to: (i) substitute CRUs from any one carbon removal supplier with a CRU from a different carbon removal supplier; or (ii) allocate then-current inventory of CRUs among Purchasers.

“Carbon Removal Unit,” or “CRU,” means a specified amount of carbon dioxide removed from the atmosphere that is acquired via Offtake Agreements. CRUs may be either a full or a partial ton.

“Offtake Agreement” means a legally binding contract to buy future tons of carbon dioxide removal at an agreed price if and when delivered.

“Retire” or “Retirement” means the permanent removal of a specified CRU from all applicable carbon markets. Retirement may be further governed by the rules of a Registry.

“Retirement Services” means all actions taken to Retire a CRU in the selected Retirement Year.

“Beneficiary” means a business entity (i.e., not a natural person) that is an intended beneficiary of a Retirement or Retirement Services.

Qualifications & exceptions

• Retirement Services depend on availability, secured delivery rights and receipt of the CRUs.
• Frontier may substitute suppliers and allocate limited inventory among buyers.

Not stated here

• Timing of eventual Retirement relative to purchase is not fixed.

Charges & Financial Obligations · Company commitment

By the end of your Retirement Year Frontier retires the unit or transfers title, records it, sends a certificate

On or before the last day of the Retirement Year the User selected, Frontier will Retire the CRU on the User's behalf or, if applicable, transfer title to the User. If the User designated a Beneficiary, Frontier retires on the Beneficiary's behalf and includes its name in the Registry (any carbon offset registry or system tracking retirements) where permitted, recording the retirement under that Registry's rules. Frontier may be unable or not permitted to retire and record partial tons, and may combine partial CRUs and record them in its own name. When Frontier retires a CRU for the User or a Beneficiary, it notifies the User through the Climate API, Dashboard or another elected means and delivers a digital certificate evidencing the Retirement.

Supporting quotations

3.3 Retirement.

On or before the last day of the Retirement Year, Frontier: (i) on User's behalf, will Retire the CRU; or (ii) if applicable, will transfer title to the CRU to User. If User has designated a Beneficiary, Frontier will Retire the CRU on that Beneficiary’s behalf and include the Beneficiary’s name in the Registry, if permitted. Frontier will Retire and record the CRU in the applicable Registry in accordance with and subject to the rules of that Registry.

Frontier may not be able to, or may not be permitted to, Retire and record partial CRUs (i.e., partial tons) with a Registry. Frontier may combine partial CRUs and record them in Frontier’s name.

If Frontier Retires a CRU on User's behalf or on behalf of a Beneficiary, Frontier will notify User of the Retirement via the Climate API, the Stripe Dashboard, or, if applicable, by other means User elects in the Stripe Dashboard, and deliver a certificate to User evidencing Retirement. Certificates will be digital.

“Retirement Year” means the year User selects, either via the Climate API or in the Stripe Dashboard, for a CRU to be Retired.

“Registry” means any carbon offset registry or system that tracks the Retirement of a CRU.

Qualifications & exceptions

• Partial-ton CRUs may be combined and recorded in Frontier's name rather than the User's.
• Beneficiary naming in the Registry happens only if the Registry permits.

Charges & Financial Obligations · Restriction or exception

If units run short or cannot be retired in your name, Frontier may ration, refund without interest, or retire itself

If Frontier does not receive enough CRUs to fulfill all orders, it may in its sole discretion allocate CRUs among Purchasers or refund the Fees. If it determines it cannot retire a CRU in the User's or Beneficiary's name by the end of the Retirement Year, it will notify the User and may, in its sole discretion, refund the Fees, transfer title to the CRU, record the retirement in Frontier's own name and certify that, or take other reasonable remedial measures. Neither Frontier nor Stripe pays interest on Fees, Frontier has no further obligation for that retirement or any additional retirements, and Frontier is not liable for other losses, damages or costs from its inability to perform. If Frontier cannot contact the User or cannot refund (for example because the Stripe Account is closed), it will contribute the amounts due to carbon removal programs of its choosing. Frontier uses commercially reasonable efforts to retire on the User's or Beneficiary's behalf but does not guarantee retirement on a Beneficiary's behalf.

Supporting quotations

In the event Frontier does not receive sufficient CRUs to fulfill all orders for Retirement Services, Frontier reserves the right, in its sole discretion, to: (i) allocate CRUs among Purchasers; or (ii) refund the Fees.

If Frontier determines that it is unable to Retire a CRU in User's name or in the Beneficiary’s name on or prior to the last day of the Retirement Year of the CRU, Frontier will notify User and, in its sole discretion, Frontier may: (i) refund the applicable Fees; (ii) transfer title to the CRU to User; (iii) record the Retirement of the CRU in Frontier’s name and provide certification to User that Frontier completed the Retirement in Frontier’s name; or (iv) take other reasonable remedial measures. Neither Frontier nor Stripe will pay User any interest on Fees, and Frontier will have no further obligation to User regarding that Retirement and the associated CRU(s) nor any other obligation to complete any additional Retirements. Frontier will not be liable to User for any other losses, damages, or costs that User or others may suffer arising out of or relating to Frontier’s inability to perform the Retirement Services or the associated CRU.

If Frontier is unable to contact User, or is unable to provide a refund of Fees, for any reason (e.g., User has closed its Stripe Account), Frontier will contribute any amounts due to User to carbon removal programs of Frontier’s choosing.

Frontier will use commercially reasonable efforts to ensure a CRU can be Retired on User's behalf or on behalf of User's designated Beneficiary. Frontier does not guarantee that Frontier will be able to Retire a CRU on behalf of a Beneficiary.

Qualifications & exceptions

• The remedy on failure is Frontier's choice among refund, title transfer, retirement in its own name or other reasonable measures.
• Unrefundable amounts are donated to carbon removal programs Frontier chooses, not held for the User.

Charges & Financial Obligations · Procedure

To leave Stripe Managed Risk, stop using Connect for those accounts or migrate all volume; SMR fees keep applying

To transition off Stripe Managed Risk Services, the User must either permanently stop using the Connect Services for all SMR Connected Accounts or migrate all payments volume from SMR to Non-SMR Connected Accounts within a reasonable time. Stripe Managed Risk Services Fees continue to apply to all Transactions on SMR Connected Accounts during and after the SMR Transition Period, which runs from the first Transaction for a transitioning Platform User on a Non-SMR account until every transitioning user has transacted on their new account or all SMR accounts are closed, whichever is earlier.

Supporting quotations

2.4 Transitioning Off Stripe Managed Risk Services.

To transition off Stripe Managed Risk Services, User must either permanently stop using Stripe Connect Services with respect to all SMR Connected Accounts, or migrate all payments volume from SMR Connected Accounts to Non-SMR Connected Accounts within a reasonable time period. Stripe Managed Risk Services Fees will continue to apply for all Transactions on SMR Connected Accounts during and after the SMR Transition Period.

“SMR Transition Period” means the period starting when a Transaction is first initiated for any transitioning Platform User on a Non-SMR Connected Account until the earlier of when (i) a Transaction has been initiated for every Platform User on the Non-SMR Connected Account to which they are transitioning; and (ii) all SMR Connected Accounts are closed.

Qualifications & exceptions

• SMR Fees continue on SMR Connected Account Transactions both during and after the transition period.

Not stated here

• What counts as a reasonable migration period is not defined.

Charges & Financial Obligations · Restriction or exception

Once a Platform User starts transacting off Managed Risk, you and that user are jointly liable for its merchant losses

When a Platform User transitions to Non-SMR Connected Accounts, the User and that Platform User become jointly and severally liable to Stripe for all Merchant Losses (negative balances from Transactions, Disputes, Refunds and Reversals where the Connected Account is the settlement merchant) on all SMR Connected Accounts tied to that Platform User, from the moment a Transaction is first initiated for it on a Non-SMR account. Stripe may collect these amounts under the Agreement and the Connected Account Agreement. To the maximum extent Law permits, Stripe's aggregate liability for Merchant Losses on SMR accounts during the SMR Transition Period is capped at the Section 8.4 liability cap of the General Terms, and its liability ends when the Transition Period ends.

Supporting quotations

2.5 Liability for Merchant Losses During the SMR Transition Period.

In relation to a Platform User transitioning to using one or more Non-SMR Connected Accounts, User and the relevant Platform User become jointly and severally liable to Stripe for all Merchant Losses on all SMR Connected Accounts associated with that Platform User from when a Transaction is first initiated for that Platform User on a Non-SMR Connected Account. Stripe may collect these amounts (including Merchant Losses) according to the Agreement and the Connected Account Agreement, as applicable. To the maximum extent permitted by Law, Stripe’s aggregate liability for Merchant Losses on all SMR Connected Accounts during the SMR Transition Period will not exceed the amount of the cap stated in Section 8.4 (Liability Cap) of the General Terms. Stripe’s liability for Merchant Losses on SMR Connected Accounts ends at the end of the SMR Transition Period.

“Merchant Losses” means negative amounts on a Connected Account’s Stripe account balance resulting from Transactions, Disputes, Refunds, and Reversals where the Connected Account is the settlement merchant.

Qualifications & exceptions

• Joint and several liability starts with the first Non-SMR Transaction for that Platform User.
• Stripe's own exposure during the transition is capped by the General Terms' Section 8.4 cap, not supplied.

Not stated here

• The amount of the Section 8.4 cap is in the General Terms, not supplied.

Charges & Financial Obligations · Restriction or exception

You answer to Stripe for all Connected Account activity, jointly with them, except SMR losses and Stripe’s own fault

As between the User and Stripe, the User is responsible for all Activity on its Connected Accounts whether or not it initiated it. It is liable to Stripe for all Transactions, Disputes, Refunds, Reversals and resulting Merchant Losses (except on SMR Connected Accounts to the extent Section 3.2 provides) and for other losses, damages and costs from use of the Services, including fines from Financial Providers or Governmental Authorities, except to the extent they arise from Stripe's breach, negligence, willful misconduct or fraud. The User remains jointly and severally liable with the Connected Accounts, and Stripe may collect from the User under the Agreement. If Stripe decides the User's responsibility for a Connected Account's Activity creates unacceptable risk, it may use the Section 5.5 remedies of the Payments Terms.

Supporting quotations

3. Liability for Connected Accounts.

3.1 Liability for all Connected Accounts.

As between User and Stripe, User is responsible for all Activity on its Connected Accounts, whether initiated by User or not. User is liable to Stripe for all: (a) Transactions, Disputes, Refunds, Reversals and resulting Merchant Losses (except with respect to SMR Connected Accounts to the extent stated in Section 3.2) and (b) other losses, damages, and costs that result from use of the Services, including any fines assessed by Financial Providers or Governmental Authorities, except to the extent the losses, damages, or costs arise from Stripe’s breach of this Agreement or Stripe’s negligence, willful misconduct, or fraud.

User remains jointly and severally liable with the applicable Connected Accounts to Stripe for these amounts, and Stripe may collect these amounts from User in accordance with the Agreement. Without limiting Stripe’s other rights and remedies in this Agreement, if Stripe determines that User’s responsibility for Activity on any Connected Account creates an unacceptable risk to Stripe, Stripe may exercise its remedies listed in Section 5.5 of the Stripe Payments Terms.

“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.

Qualifications & exceptions

• Two carve-outs: SMR Connected Account losses under Section 3.2, and losses from Stripe's own breach, negligence, willful misconduct or fraud.
• Stripe may invoke the Payments Terms Section 5.5 remedies (reversals, payout holds, reserves, suspension) on a risk finding.

Charges & Financial Obligations · Company commitment

On Managed Risk accounts Stripe bears merchant losses up to any agreed cap, except transition losses and your fault

Subject to the general liability rule in Section 3.1, as between the User and Stripe, Stripe is liable for Merchant Losses on SMR Connected Accounts up to the SMR Risk Cap, if the parties have agreed one in writing. Two exceptions apply: the SMR Transition Period rule in Section 2.5, and losses that arise from the User's fraud, violation of Law, breach of the Agreement including these Connect Terms, negligence, willful misconduct or misuse of the Connect Services. The General Terms' Section 8 limitations on liability do not apply to Stripe's liability for Merchant Losses under this clause.

Supporting quotations

Subject to Section 3.1, as between User and Stripe, Stripe is liable for Merchant Losses on SMR Connected Accounts up to the amount of the SMR Risk Cap (if any), except: (a) as stated in Section 2.5 of these Stripe Connect Terms; and (b) to the extent these Merchant Losses arise from User’s fraud, violation of Law, breach of the Agreement (including these Stripe Connect Terms), negligence, willful misconduct, or misuse of the Stripe Connect Services. The limitations on liability in Section 8 of the General Terms will not apply with respect to Stripe’s liability for Merchant Losses under this Section 3.2.

“SMR Risk Cap” means Stripe’s maximum liability for Merchant Losses, if agreed by the parties in writing.

Qualifications & exceptions

• Stripe's liability is capped only if an SMR Risk Cap was agreed in writing ('if any').
• Losses caused by the User's own fraud, unlawful conduct, breach, negligence, misconduct or misuse revert to the User.

Not stated here

• Whether a particular User has an agreed SMR Risk Cap, and its amount, is outside this document.

Charges & Financial Obligations · Restriction or exception

You, not Stripe, file tax information reports like 1099s unless Law requires Stripe to; you indemnify for your failures

Unless Stripe notifies the User otherwise, Stripe will not file any Tax Information Reports (required tax information returns such as IRS Form 1099) and the User assumes sole responsibility and liability for filing all such reports required because of Services Stripe provides to the User or to its Connected Accounts; however, where Law requires, Stripe files them as the Documentation outlines. The User indemnifies Stripe for all Taxes and related interest, penalties and fees (other than income, franchise or similar taxes on the Fees) imposed on a Stripe Entity because the User failed to file a report on time. Stripe issues any Tax Information Reports to the User only, except that when Stripe itself files under Section 4.1 it issues them directly to the Connected Accounts.

Supporting quotations

4. Tax Reporting; Tax Invoicing.

4.1 Filing of Tax Information Reports.

Unless Stripe notifies User otherwise, Stripe will not file any, and User assumes sole responsibility and liability for filing all Tax Information Reports required to be filed as a result of Services Stripe provides to User under this Agreement or to Connected Accounts under their Connected Account Agreement. Notwithstanding the prior sentence, to the extent required by Law, Stripe will file Tax Information Reports as outlined in the Documentation.

4.2 Indemnity.

User will indemnify Stripe from all Taxes, and related interest, penalties and fees (excluding any income, franchise or similar taxes payable with respect to the Fees), if any, imposed on a Stripe Entity as a result of User’s failure to timely file any Tax Information Report under Section 4.1 of these Stripe Connect Terms.

4.3 Issuing Tax Forms.

Stripe will issue Tax Information Reports (if applicable) directly to User only. Notwithstanding the prior sentence, when Stripe files Tax Information Reports as stated in Section 4.1, Stripe will issue Tax Information Reports (if applicable) directly to the Connected Accounts.

“Tax Information Report” means a required tax information return or report, including IRS Form 1099, or any other similar form.

Qualifications & exceptions

• Stripe's filing duty is limited to what Law requires, as outlined in the Documentation.
• The indemnity excludes Stripe's own income, franchise or similar taxes on the Fees.

Not stated here

• Which jurisdictions' Law requires Stripe to file is in the Documentation, not supplied.

Charges & Financial Obligations · Company practice

With Platform Pricing Control Stripe invoices you and you resupply to the account; otherwise Stripe invoices the account

Unless the Documentation says otherwise, for Transactions on Connected Accounts with Platform Pricing Control (the attribute letting the User set the fees that apply to the account), Stripe treats itself as providing Services to the User, issues Tax invoices to the User only, and treats the User as making separate supplies to its Connected Accounts for this purpose. For Transactions on Connected Accounts without Platform Pricing Control, Stripe provides its Services to the Connected Accounts and issues Tax invoices to them only.

Supporting quotations

4.4 Tax Invoices.

Unless otherwise described in the Documentation, for each Transaction on Connected Accounts with Platform Pricing Control, Stripe is providing its Services to User and will issue Tax invoices directly to User only, and User will be treated as making separate supplies to its Connected Accounts for purposes of this Section.

Unless otherwise described in the Documentation, for each Transaction on Connected Accounts without Platform Pricing Control, Stripe is providing its Services to the Connected Accounts and will issue Tax invoices directly to the Connected Accounts only.

“Platform Pricing Control” means the Connected Account attribute that enables User to determine, to the extent stated in the Documentation, the fees that apply with respect to the Connected Account.

Qualifications & exceptions

• The Documentation can override either arrangement.
• With Platform Pricing Control the User is treated as a reseller making separate supplies to its Connected Accounts for tax invoicing.

Charges & Financial Obligations · Restriction or exception

Your liability for your Connected Accounts has no cap or exclusion in the Agreement, except what Managed Risk covers

Except to the extent Stripe Managed Risk Services cover it where applicable, the User's liability for all Connected Accounts under these Connect Terms is not limited or excluded in any way, notwithstanding anything to the contrary in the Agreement. The General Terms' liability caps therefore do not protect the platform for Connected Account liabilities.

Supporting quotations

7. Liability Cap.

Except to the extent covered by Stripe Managed Risk Services if applicable, User’s liability for all Connected Accounts as described in these Stripe Connect Terms, is not limited or excluded in any way, notwithstanding anything to the contrary in this Agreement.

Qualifications & exceptions

• The only carve-out is liability covered by Stripe Managed Risk Services.

Charges & Financial Obligations · Restriction or exception

Brazil: while you hold Connected Account funds through Connect you may not create liens over the related receivables

For Users in Brazil, if and as long as the User holds any Connected Account funds as part of its use of the Connect Services, it may not negotiate or create any liens or burdens over the related receivables of those funds.

Supporting quotations

Brazil.

The following Regional Terms apply for Users in Brazil.

9.1 No Liens or Burdens over Receivables related to Connected Accounts’ Funds.

If and as long as User holds any Connected Accounts funds as part of User’s use of Stripe Connect Services, User may not negotiate or create any liens or burdens over related receivables of those funds.

Qualifications & exceptions

• Applies to Users in Brazil while they hold Connected Account funds.

Charges & Financial Obligations · Restriction or exception

India: you handle section 194-O withholding on Connected Account payments and take no payments for non-onboarded sellers

For Users in India, the User agrees that, in connection with section 194-O of the Income Tax Act, 1961 together with CBDT Circular No.17/2020 (external law cited by name, not supplied), it will assess, deduct, deposit and report withholding Taxes to the appropriate taxing authority on any amount paid or credited to Connected Accounts. The User must also ensure it does not accept payments through the Services for a seller not onboarded to its platform.

Supporting quotations

India.

9.1 Additional Tax Requirements.

User agrees that in connection with section 194-O of the Income Tax Act, 1961 (together with Circular No.17/2020 issued by Central Board of Direct Taxes), User will assess, deduct, deposit and report withholding Taxes to the appropriate taxing authority on any amount paid or credited to Connected Accounts.

9.2 User’s Connected Accounts.

User must ensure that it does not accept payments, through the Services, for a seller not onboarded to its platform.

Qualifications & exceptions

• Applies to Users in India.
• The statutory references are to external Indian tax law; their text is not part of this document.

Charges & Financial Obligations · Permission or license

Japan: you pass to Stripe the payment authority your Connected Accounts gave you; customers released once Stripe is paid

For Users in Japan, the User delegates to Stripe the authority each Connected Account granted it under the applicable Platform Provider Agreement (the User's agreements with that Connected Account) to process and receive payments. Once Stripe receives a Connected Account's Customer's funds for a Transaction, that customer is released from payment obligations to the Connected Account, whether or not Stripe or the User pays the Connected Account an equivalent amount. A Connected Account's Customer is a purchaser of the Connected Account's goods or services.

Supporting quotations

Japan.

The following Regional Terms apply for Users in Japan.

9.1 Delegating Authority for Connected Accounts.

User delegates to Stripe the authority that each Connected Account grants User under the applicable Platform Provider Agreement to process and receive payments. Once Stripe receives funds from a Connected Account’s Customer for a Transaction, that customer is released from payment obligations owed to the Connected Account, regardless of whether Stripe or User pays the Connected Account an equivalent amount. “Connected Account’s Customer” means a purchaser of goods or services provided by a Connected Account.

“Platform Provider Agreement” means, as to each Connected Account, collectively, the agreements that a Stripe Connect Platform has with that Connected Account.

Qualifications & exceptions

• Applies to Users in Japan.
• Customer release on Stripe's receipt does not depend on onward payment to the Connected Account.

Charges & Financial Obligations · Restriction or exception

Japan: top up a Connected Account only after a linked transaction, never in advance, and only up to the amount owed

For Users in Japan, when a Connected Account accepts a Connect Transaction (a transaction from the Connected Account's Customer in connection with the Platform Services), the User may conduct a Top-Up, a transfer into its Stripe Account to cover part of the Top-Up Amount, as the Documentation prescribes. This includes cases where the User uses a third-party payment provider or extends a promotional discount or coupon to the Connected Account's Customer. The Top-Up must be directly linked to a Connect Transaction, occur after that transaction has been processed (no pre-funding in anticipation of future transactions), and not exceed the Top-Up Amount, the sum the User or the customer owes the Connected Account after deducting fees and amounts payable to the User. On receipt of a Top-Up in the Connected Account's Stripe Account, the customer or the User is released from payment obligations to the Connected Account to that amount.

Supporting quotations

When a Connected Account accepts a Connect Transaction, User may conduct a Top-Up in the manner prescribed in the Documentation. In these cases (including where User uses a third-party payment services provider or where User wishes to extend a promotional discount or coupon to the Connected Account’s Customer), User must ensure that the Top-Up: (i) is directly linked to a Connect Transaction, (ii) occurs after the Connect Transaction has been processed (i.e., User may not pre-fund a Top-Up in anticipation of future Connect Transactions) and (iii) does not exceed the Top-Up Amount for each Connected Account.

“Connect Transaction” means a transaction from a Connected Account’s Customer in connection with the Platform Services. “Top-Up” means a transfer of funds into User’s Stripe Account to cover a portion of the Top-Up Amount. “Top-Up Amount” means the amount owed by User or the Connected Account’s Customer to the Connected Account (after deducting any fees or other amounts payable to User).

Qualifications & exceptions

• Applies to Users in Japan.
• Three conditions: linked to a Connect Transaction, after processing, and within the Top-Up Amount.

Charges & Financial Obligations · Restriction or exception

Japan: hold Connect Transaction funds in your account only as long as needed for authorization, delivery or refunds

For Users in Japan, the User may retain funds from a Connect Transaction in its Stripe Account only for as long as required to ensure the transaction is authorized and prevent unlawful or unauthorized transactions, to ensure the Connected Account delivers the goods or services owed to its customer before or upon receiving payment, or to facilitate Refunds or Disputes. A 'Back to Top' link closes the Connect Terms.

Supporting quotations

9.3 Restrictions on Retention Periods.

User may only retain funds received from a Connect Transaction in User’s Stripe Account for as long as required: (i) to ensure the Connect Transaction is authorized and prevent unlawful or unauthorized Connect Transactions; (ii) to ensure the Connected Account delivers the goods or services owed to the Connected Account’s Customer before or upon receiving payment; or (iii) to facilitate Refunds or Disputes.

Qualifications & exceptions

• Applies to Users in Japan.
• Retention is limited to the three stated purposes.

Not stated here

• No maximum period is stated beyond 'as long as required'.

Charges & Financial Obligations · Restriction or exception

You may use Stripe’s 1099 Services, but you own tax compliance, accuracy and penalties, and Stripe validates nothing

The User may use the IRS Form 1099 Services, in which Stripe generates copies of IRS Form 1099 for Transactions, delivers recipient copies to Connected Accounts and files electronic copies with tax authorities, as the Documentation describes. When using them the User is responsible for, and Stripe disclaims all liability for, the User's legal obligations including Taxes, the accuracy of Tax calculations and any fine, penalty or sanction a Governmental Authority imposes from the use of the service, and the User's actions or inaction on any directions or recommendations received through it. Stripe does not validate and is not responsible for the accuracy of information the User or its Connected Accounts provide, and the service is not tax advice or tax filing or reporting assistance.

Supporting quotations

5. IRS Form 1099 Services.

5.1 IRS Form 1099 Services.

User may use the IRS Form 1099 Services to generate copies of IRS Form 1099 and deliver them to the applicable Governmental Authorities and Connected Accounts, as described in the Documentation.

5.2 Disclaimer.

When using IRS Form 1099 Services, User is responsible for, and Stripe disclaims all liability with respect to:

User's fulfillment of User's obligations under Law, including with respect to Taxes

the accuracy of the Tax calculations, and User's obligation to pay any fine, penalty, or other sanction imposed by a Governmental Authority as a result of the use of the IRS Form 1099 Services

User's action, or failure to act, as a result of any directions or recommendations User receives related to the use of the IRS Form 1099 Services.

5.3 Information Accuracy; No Tax Advice.

Stripe will not validate, and is not responsible for, the accuracy of the information User or User's Connected Accounts provide to Stripe. The IRS Form 1099 Services do not constitute tax advice, or tax filing or reporting assistance.

“IRS Form 1099 Services” means the Services where Stripe generates copies of IRS Form 1099 with respect to Transactions, delivers recipient copies of IRS Form 1099 to the applicable Connected Accounts, and files electronic copies of IRS Form 1099 with the applicable Governmental Authorities (e.g., state or federal tax authorities), in each case, to the extent stated in the Documentation.

“IRS” means Internal Revenue Service.

Qualifications & exceptions

• Scope of the 1099 Services is 'to the extent stated in the Documentation'.
• Stripe disclaims liability for calculation accuracy, penalties and reliance on its directions.

Charges & Financial Obligations · Restriction or exception

If you onboard accounts yourself and fail to bind them to the Connected Account Agreement, your liability is unlimited

If the User onboards Platform Users through User-Hosted Onboarding, its liability arising from a failure to ensure each Connected Account agreed to the Connected Account Agreement in a legally binding way is not limited or excluded in any way, notwithstanding anything to the contrary in the Agreement.

Supporting quotations

7. Liability Cap.

If User onboards Platform Users using User-Hosted Onboarding, User’s liability arising out of or relating to User’s failure to ensure that each Connected Account agreed to the Connected Account Agreement in a legally binding way, is not limited or excluded in any way, notwithstanding anything to the contrary in this Agreement.

Qualifications & exceptions

• Applies only where the User uses User-Hosted Onboarding.

Charges & Financial Obligations · Restriction or exception

A Fee Credit settles what it was issued for and only discounts future Stripe Fees; no transfer, rental or sale

The Stripe Fee Credit Terms, last modified September 28, 2026, supplement the General Terms and govern Stripe Fee Credits: Stripe-issued amounts usable solely as a discount against future Fees, excluding amounts the User itself pays that become a credit, such as a prepayment. A Fee Credit constitutes full payment and settlement to the User for the purpose it was issued for. It is a discount against, and can only offset, future Fees accrued on the User's Stripe Account, subject to limitations shown in the Dashboard. The User may not transfer a Fee Credit between Stripe Accounts or license, rent or sell it for cash or other consideration.

Supporting quotations

Stripe Fee Credit Terms

Last modified: September 28, 2026

1. Stripe Fee Credits.

These Stripe Fee Credit Terms (“Fee Credit Terms”) supplement the General Terms and govern the use of the Stripe Fee Credits. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms.

2. Using a Fee Credit.

The Fee Credit amount constitutes full payment and settlement to User with respect to the purpose for which it is issued. The Fee Credit is a discount against, and can only be used to offset, future Fees User accrues on User’s Stripe Account, subject to any limitations stated on User’s Stripe Dashboard. User may not (a) transfer a Fee Credit from one Stripe Account to another; or (b) license, rent, or sell a Fee Credit for cash or any other consideration.

“Fee Credit” means a Stripe-issued amount that User may use solely as a discount against future Fees, but does not include any amount User pays Stripe that becomes a fee credit (e.g., a prepayment).

Qualifications & exceptions

• Accepting a Fee Credit is full settlement of whatever it was issued for.
• Dashboard-stated limitations may further restrict use.

Not stated here

• The circumstances in which Stripe issues Fee Credits are not stated here.

Charges & Financial Obligations · Company practice

Fee Credits expire on their Dashboard date; Stripe may end them early, suspend them while you owe money, or void them

A Fee Credit expires automatically after the expiry date shown in the Dashboard. Stripe may terminate it earlier if the Agreement or the relevant fee agreement terminates, and may cancel unused amounts after termination or expiry. If Fees or other amounts go unpaid when due, or the User otherwise breaches the Agreement, Stripe may suspend the Fee Credit until the User has paid everything owed and cured the breach. Stripe may void a Fee Credit if the User breaches these terms or the agreement, promotion or program under which it received the credit, and may then collect the credit's amount from the User in addition to other remedies.

Supporting quotations

3. Expiration and Cancelation.

The Fee Credit automatically expires after the expiry date stated on User’s Stripe Dashboard. Stripe may terminate a Fee Credit before its expiry date if (a) the Agreement terminates; or (b) the relevant fee agreement between the parties, if applicable, terminates. Stripe may cancel any unused Fee Credit amounts after they terminate or expire. If, after Stripe issues the Fee Credit, any Fees or other amounts are not paid to Stripe when due, or User is in breach of the Agreement for any other reason, then Stripe may suspend the Fee Credit until User has paid in full all outstanding Fees and other amounts User owes Stripe, and has rectified any breach of the Agreement. Stripe may void a Fee Credit if User breaches these Fee Credit Terms or the terms of any other agreement, promotion, or program under which User received the Fee Credit. If Stripe voids the Fee Credit, then in addition to any other remedy available to Stripe, Stripe may collect from User the amount of the Fee Credit.

Qualifications & exceptions

• Suspension lasts until all outstanding amounts are paid and any breach is cured.
• A voided credit can be clawed back as a debt.

Charges & Financial Obligations · Company practice

Fee Credits include any Taxes you must charge; Stripe may withhold Taxes unless you prove exemption or a reduced rate

The Fee Credit is inclusive of any applicable Taxes the User may be required to charge. If Stripe must withhold Taxes on a Fee Credit, it may deduct them from the credit and pay them to the taxing authority. A User exempt from, or eligible for a reduced rate on, those Taxes may give Stripe a copy of the original certificate meeting legal requirements that attests to its status.

Supporting quotations

4. Taxes.

The Fee Credit is inclusive of any applicable Taxes which may be required to be charged by User. If Stripe is required to withhold any Taxes applicable to a Fee Credit, Stripe may deduct those Taxes from the Fee Credit and pay those Taxes to the appropriate taxing authority. If User is exempt from paying, or are otherwise eligible to pay a reduced rate on, those Taxes, User may provide to Stripe a copy of the original certificate that satisfies applicable legal requirements attesting to its tax-exempt status or reduced rate eligibility.

Qualifications & exceptions

• Withholding is deducted from the credit amount itself.
• Exemption or reduced-rate treatment depends on the User supplying a qualifying certificate.

Charges & Financial Obligations · Company practice

Payout count and value limits may apply; Stripe may exceed, cut or change them at its discretion, usually without notice

There may be limits on the number and value of Outbound Payments the User can make from its Financial Account, described in the Dashboard or otherwise communicated by Stripe. Stripe may at its discretion allow payments exceeding the limits, or temporarily reduce them without notice unless the Financial Account Regulatory Requirements require otherwise, and may change the limits at any time in its sole discretion.

Supporting quotations

2. Transaction Limits.

There may be limits on the number and value of Outbound Payments that User can make from User’s Financial Account, which, if applicable, are described on the Stripe Dashboard or otherwise communicated to User by Stripe. Stripe, in its discretion, may allow Outbound Payments that exceed applicable limits or temporarily reduce User’s limits from time to time without notice, unless the Financial Account Regulatory Requirements require otherwise. Stripe may change the limits at any time, in its sole discretion.

Qualifications & exceptions

• Reductions without notice are subject to the Financial Account Regulatory Requirements.

Not stated here

• The limit amounts are in the Dashboard, not stated here.

Charges & Financial Obligations · Context

Payouts are fiat-funded or direct from your wallet; Stripe only moves fiat or relays instructions, never holds coins

The Services let the User initiate Stablecoin Payout Transactions as Fiat-Funded Stablecoin Payouts, where Stripe transfers fiat from the User's Financial Account to the User's account with the Stablecoin Partner, which exchanges it for Stablecoin and sends it to the recipient's Designated Wallet, or as Direct Stablecoin Payouts, where the User instructs the Partner through Stripe's interface to send Stablecoin from the User's Stablecoin Partner Wallet to the recipient's wallet. For fiat-funded payouts Stripe's role is limited to moving the fiat; for direct payouts it is limited to providing the interface. Stripe creates no direct relationship with the Stablecoin Payout Recipient and does not hold, custody, transmit or pay out any Stablecoin. All stablecoin exchange, custody and payout services are performed solely by the Stablecoin Partner under its own terms. These terms govern transactions initiated through Stripe's interface; transactions the User initiates directly with the Partner outside it are governed solely by the Stablecoin Partner Terms.

Supporting quotations

2. Stripe Global Payouts Stablecoin Services.

2.1 Description of Services.

The Stripe Global Payouts Stablecoin Services enable User to initiate Stablecoin Payout Transactions as either Fiat-Funded Stablecoin Payouts or Direct Stablecoin Payouts. In the case of Fiat-Funded Stablecoin Payouts, Stripe's role is limited to facilitating the transfer of fiat currency from User's Financial Account to User’s account with the Stablecoin Partner. In the case of Direct Stablecoin Payouts, Stripe's role is limited to providing the technology interface through which User issues the payout instruction to the Stablecoin Partner. Stripe does not create any direct relationship between Stripe and the Stablecoin Payout Recipient, nor does Stripe hold, custody, transmit, or pay out any Stablecoin as part of any Stablecoin Payout Transaction.

2.2 Stablecoin Partner.

All Stablecoin services, including exchange, custody, and payout services are performed solely by the Stablecoin Partner under the Stablecoin Partner Terms. These Stripe Global Payouts Stablecoin Terms govern all Stablecoin Payout Transactions that User initiates through the Stripe Global Payouts Stablecoin Services, whether as a Fiat-Funded Stablecoin Payout or a Direct Stablecoin Payout. Stablecoin Payout Transactions that User initiates directly with the Stablecoin Partner outside of the Stripe Global Payouts Stablecoin Services interface are not governed by these Stripe Global Payouts Stablecoin Terms and are subject solely to the applicable Stablecoin Partner Terms.

"Direct Stablecoin Payout" means a Stablecoin Payout Transaction initiated by User through the Stripe Global Payouts Stablecoin Services by which User instructs the Stablecoin Partner, through Stripe's interface, to transmit Stablecoin directly from User's Stablecoin Partner Wallet to a Stablecoin Payout Recipient's Designated Wallet.

"Fiat-Funded Stablecoin Payout" means a Stablecoin Payout Transaction initiated by User through the Stripe Global Payouts Stablecoin Services by which (a) Stripe transfers fiat currency from User's Financial Account to User’s account with the Stablecoin Partner; and (b) the Stablecoin Partner exchanges that fiat currency for Stablecoin and transmits the Stablecoin to a Stablecoin Payout Recipient's Designated Wallet.

"Stablecoin Payout Transaction" means either a Fiat-Funded Stablecoin Payout or a Direct Stablecoin Payout, as applicable.

"Stablecoin Payout Recipient" means a recipient designated by User to receive Stablecoin in connection with a Stablecoin Payout Transaction via a Designated Wallet.

"Designated Wallet" means a cryptocurrency wallet address designated by User or a Stablecoin Payout Recipient to receive Stablecoin in connection with a Stablecoin Payout Transaction.

Qualifications & exceptions

• Stripe never holds, custodies, transmits or pays out Stablecoin.
• Transactions made directly with the Stablecoin Partner outside Stripe's interface fall outside these terms.

Not stated here

• The Stablecoin Partner Terms are external and not supplied.

Charges & Financial Obligations · Restriction or exception

Fund fiat payouts from your Financial Account and direct payouts from your wallet; Stripe’s duty ends on handoff

A Fiat-Funded Stablecoin Payout may be funded only with fiat held in the User's Financial Account under the Stripe Treasury Terms, and the User must keep enough there to cover each payout; Stripe deducts the amount from the Available Balance when it transfers the funds to the Stablecoin Partner, at which point its obligations for that payout are fully satisfied. A Direct Stablecoin Payout is funded solely from Stablecoin in the User's Stablecoin Partner Wallet, which the User must keep sufficiently funded; Stripe's role ends once the User issues the instruction through the interface. For all Stablecoin Payout Transactions, Stripe is not responsible for the Partner's exchange rate, the amount of Stablecoin delivered or the timing of delivery to the Designated Wallet.

Supporting quotations

2.3 Funding Stablecoin Payout Transactions.

A Fiat-Funded Stablecoin Payout may only be funded through fiat currency funds held in User's Financial Account, which is governed by the Stripe Treasury Terms, and User must maintain sufficient funds in User's Financial Account to cover each payout. For each Fiat-Funded Stablecoin Payout, Stripe will deduct the fiat currency amount from User's Financial Account Available Balance at the time Stripe transfers those funds to the Stablecoin Partner, at which point Stripe's obligations with respect to that Fiat-Funded Stablecoin Payout are satisfied in full.

With respect to all Stablecoin Payout Transactions, Stripe is not responsible for the exchange rate applied by the Stablecoin Partner (if any), the amount of Stablecoin delivered to a Stablecoin Payout Recipient, or the timing of delivery to the Designated Wallet.

Qualifications & exceptions

• Stripe's obligations are satisfied at the moment of fiat transfer or instruction issuance, before the recipient receives anything.
• Exchange rate, delivered amount and delivery timing are the Stablecoin Partner's domain.

Charges & Financial Obligations · Company practice

If a stablecoin payout fails, Stripe or the Partner may retry; if it still fails, the amount comes back net of fees

If a Stablecoin Payout Transaction is unsuccessful, the User authorizes Stripe or the Stablecoin Partner, as applicable, to retry it. If neither can complete it, Stripe notifies the User and the amount deducted, fiat from the Financial Account for a fiat-funded payout or Stablecoin from the Stablecoin Partner Wallet for a direct payout, is returned to the account it came from, subject to any applicable fees and the Stablecoin Partner Terms.

Supporting quotations

2.4 Retrying Stablecoin Payout Transactions.

If a Stablecoin Payout Transaction is unsuccessful, User authorizes Stripe or the Stablecoin Partner, as applicable, to retry the Stablecoin Payout Transaction. If Stripe or the Stablecoin Partner are not able to complete the Stablecoin Payout Transaction, Stripe will notify User and the amount deducted in connection with that transaction

will be returned to the account from which it was deducted, in each case subject to any applicable fees and the terms stated in the Stablecoin Partner Terms.

Qualifications & exceptions

• Returns are subject to applicable fees and the Stablecoin Partner Terms.

Not stated here

• Retry limits and timing are not stated.

Charges & Financial Obligations · Company practice

On a depeg, Stripe and the Partner may suspend the coin or continue at market rate, with no liability

A Depeg Event is any occurrence where Stripe or the Stablecoin Partner determines, in its sole discretion, that a Stablecoin's price has failed to hold its intended fiat peg. If one occurs, Stripe and the Partner may immediately suspend the Service for the affected Stablecoin or continue providing it at the prevailing Stablecoin-to-fiat market exchange rate. Stripe is not liable for losses from a Depeg Event, including any difference between the rate when the User initiated a payout and the rate at which the Partner executes the exchange, if it chooses to.

Supporting quotations

2.7 Depeg Event.

If a Depeg Event occurs with respect to any Stablecoin, Stripe and the Stablecoin Partner may immediately (a) suspend the Stripe Global Payouts Stablecoin Services with respect to the affected Stablecoin; or (b) continue providing the Stripe Global Payouts Stablecoin Services with respect to the affected Stablecoin at its prevailing Stablecoin-to-fiat market exchange rate. Stripe is not liable to User for any losses, damages, or costs arising from a Depeg Event, including any difference between the exchange rate applicable at the time User initiates a Stablecoin Payout Transaction and the rate at which the Stablecoin Partner executes the exchange, if it chooses to do so.

“Depeg Event” means any occurrence where Stripe or the Stablecoin Partner determines, in its sole discretion, that the price of a Stablecoin has failed to maintain its intended peg to the fiat value to which it is linked.

Qualifications & exceptions

• Whether a Depeg Event has occurred is decided by Stripe or the Partner in sole discretion.
• The response, suspension or market-rate continuation, is their choice.

Charges & Financial Obligations · Company practice

Payout limits appear on the Dashboard; Stripe may change or cut them without notice and the Partner may add its own

Limits may apply to the number and value of Stablecoin Payout Transactions and, if applicable, are described on the Stripe Dashboard or otherwise communicated by Stripe or the Stablecoin Partner. Limits may apply separately to Fiat-Funded Stablecoin Payouts and Direct Stablecoin Payouts. Stripe may at its discretion allow transactions over the limits or temporarily reduce the User's limits without notice unless Law requires otherwise, and may change its limits at any time in its sole discretion. The Stablecoin Partner may independently impose additional limits under the Stablecoin Partner Terms.

Supporting quotations

3. Transaction Limits.

There may be limits on the number and value of Stablecoin Payout Transactions that User can make, which, if applicable, are described on the Stripe Dashboard or otherwise communicated to User by Stripe or the Stablecoin Partner. Such limits may apply separately to Fiat-Funded Stablecoin Payouts and Direct Stablecoin Payouts, as described in the Documentation or communicated to User by Stripe or the Stablecoin Partner. Stripe, in its discretion, may allow Stablecoin Payout Transactions that exceed applicable limits or temporarily reduce User's limits from time to time without notice, unless applicable Law requires otherwise. Stripe may change its limits at any time in its sole discretion. The Stablecoin Partner may independently impose additional limits on Stablecoin Payout Transactions as described in the Stablecoin Partner Terms.

Qualifications & exceptions

• Reductions without notice are subject to any contrary requirement of Law.

Not stated here

• The actual limit amounts are not stated in these terms.

Charges & Financial Obligations · Company practice

You owe any taxes on stablecoin payouts; Stripe gives no tax advice but may file tax reports and send you copies

Stablecoin Payout Transactions may be subject to Taxes. The User acknowledges that tax Laws for stablecoin transactions may be uncertain and evolving and that Stripe is not responsible for assessing, collecting, reporting or remitting any Taxes the User owes from using the Service, the Stablecoin Partner Services or other transactions with a Stablecoin Partner. Stripe provides no investment or tax advice. Law may require Stripe to file periodic informational returns with taxing authorities about the User's use of the Service, and Stripe may send the User tax-related information electronically. The Stablecoin Partner may also have independent tax reporting obligations under its own terms.

Supporting quotations

4. Taxes.

Stablecoin Payout Transactions may be subject to Taxes. User acknowledges that tax Laws applicable to Stablecoin transactions may be uncertain and evolving, and that it is not Stripe's responsibility to assess, collect, report, or remit any Taxes owed by User arising from: (a) the use of the Stripe Global Payouts Stablecoin Services; (b) the use of the Stablecoin Partner Services; or (c) any other transactions User may enter into with a Stablecoin Partner. Stripe does not provide investment or tax advice. Stripe may be required to submit tax information reports to tax authorities regarding these transactions and may send User a copy of such tax information. Specifically, Law may require Stripe to file periodic informational returns with taxing authorities related to User's use of the Stripe Global Payouts Stablecoin Services, and Stripe may send tax-related information electronically to User. The Stablecoin Partner may also have independent tax reporting obligations with respect to Stablecoin Payout Transactions, as described in the applicable Stablecoin Partner Terms.

Qualifications & exceptions

• Stripe's tax reporting is conditioned on Law requiring it.

Charges & Financial Obligations · Company commitment

Cards and replacements ship at your or your platform expense to EEA or UK addresses; risk passes on shipment

The User may order Cards through its Stripe Dashboard or, if applicable, its Platform Provider. At the User's or Platform Provider's expense, Stripe procures and ships Cards per the order to the EEA or UK address specified, and ships replacements for Cards reported lost, stolen or damaged. Risk of loss passes to the recipient, the User or Platform Provider as applicable, when Stripe ships the Card to the ordered address.

Supporting quotations

4.2 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 in the EEA or UK 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

• Shipping addresses must be in the EEA or UK.

Charges & Financial Obligations · Context

Your Issuing Account is an E-money Payment Account holding the balance across all Cards, with per-Card sub-accounts

The Stripe Issuing Account, the account Stripe or an Affiliate maintains for the accountholder, is an E-money Payment Account under the EEA or UK electronic money and payment services regulations. It contains informational sub-accounts for each Card, records the Card Transactions processed for each Card, and holds the outstanding E-money balance across all Cards issued to the User. All Cards issued to the User are linked to it.

Supporting quotations

5. Operation of Stripe Issuing Accounts and Processing of Card Transactions.

5.1 Stripe Issuing Accounts.

The Stripe Issuing Account is an E-money Payment Account. The Stripe Issuing Account will contain sub-accounts (for information purposes only) related to each Card. The Stripe Issuing Account will contain details of Card Transactions processed in respect of each Card, and the outstanding amount of E-money which is held in the Stripe Issuing Account across all Cards issued to User. All Cards issued to User are linked to User’s Stripe Issuing Account.

“Stripe Issuing Account” means the account Stripe or a Stripe Affiliate maintains for a Stripe Issuing Accountholder, and each subaccount to that account.

“E-money” means electronic money as defined in SI No. 183/2011 – European Communities (Electronic Money) Regulations 2011.

“Payment Account” means a payment account as that term is defined in SI No. 6/2018 – European Union (Payment Services) Regulations 2018.

“E-money” means electronic money as defined in the Electronic Money Regulations 2011 (SI 2011/99).

“Payment Account” means a payment account as that term is defined in the Payment Services Regulations 2017 (Statutory Instrument 2017/752).

Qualifications & exceptions

• Sub-accounts per Card are for information purposes only.

Charges & Financial Obligations · Company practice

Stripe may decline or reverse any Card Transaction for security, funds, breach or risk reasons, without liability

Stripe uses a Card Network to authorize, clear and settle all Card Transactions (payments with a Card or, if permitted, ATM cash) on the User's Cards. Stripe may decline or reverse a Card Transaction for any reason, including concerns about Card security or use without authorization or for a Card Unauthorized Purpose (a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the Issuing Services); insufficient E-money loaded; a belief that the User is breaching the Agreement, the Connected Account Agreement or another agreement with a Stripe Entity; a belief that the transaction is suspicious, fraudulent, illegal or unacceptably risky; merchant, processor or scheme errors or refusals; or a prohibited or restricted merchant. On request, if practicable and Law permits, Stripe will give the reason for a decline. Stripe is not liable for losses, damages, costs, fines, fees or penalties related to reversed or declined transactions.

Supporting quotations

5.2 Card Transactions.

Stripe will use a Card Network to authorize, clear, and settle all Card Transactions initiated on User’s Cards. Stripe may decline to authorize a Card Transaction or reverse a Card Transaction for any reason, including if (a) Stripe is concerned about the security of the Card or Stripe suspects that the Card is being used without valid authorization or for a Card Unauthorized Purpose; (b) insufficient E-money is loaded onto the Card; (c) Stripe believes that User is acting in breach of this Agreement or the Connected Account Agreement (if applicable) or any other agreement User may have with a Stripe Entity; (d) Stripe believes the Card Transaction is suspicious, fraudulent, illegal or exposes User, Stripe or others to risks unacceptable to Stripe; (e) there are errors, failures or refusals by merchants, payment processors or payment schemes related to the Card Transaction; or (f) the Card Transaction is with a prohibited or restricted merchant or a merchant operating a Prohibited or Restricted Business. If Stripe declines to authorize a Card Transaction, Stripe will, on request, if practicable and to the extent Law permits, inform User of the reason. Stripe is not liable for any losses, damages, costs, fines, fees, or penalties related to reversed or declined Card Transactions.

“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.

“Card Transaction” means a transaction to make a payment with a Card or, if permitted, to obtain cash at an automatic teller machine (ATM).

“Connected Account Agreement” means the agreement with Stripe that applies to Connected Accounts (except Payout Recipients), which is accessible on the Stripe Legal Page for the Connected Account's jurisdiction.

“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.

Qualifications & exceptions

• The listed grounds are examples; the right applies 'for any reason'.
• Reasons for a decline are given on request, if practicable and to the extent Law permits.

Charges & Financial Obligations · Company practice

A Card Transaction is authorized once your cardholder completes the point-of-sale steps, and cannot then be revoked

Depending on Card features, authorization may cover a single transaction, a series of recurring transactions, or a pre-authorization of a future transaction for a specified or unspecified amount. Stripe treats a Card Transaction as authorized and consented to by the User when an Issuing Authorized User follows the merchant's or Stripe's instructions to authorize it at the point of sale, including online, for example by entering a PIN, signing a receipt, providing Card and other requested details, tapping, waving or swiping the Card, or completing multi-factor authentication such as strong customer authentication under Law. Once Stripe receives an authorization it cannot be withdrawn or revoked.

Supporting quotations

5.3 Authorization of Card Transactions.

Subject to the features of the Card, the authorization of a Card Transaction may include authorizing a single Card Transaction or a series of recurring Card Transactions, or pre-authorizing a future Card Transaction for a specified or unspecified amount. Stripe will treat Card Transactions as authorized and consented to by User where Issuing Authorized Users follow the instructions provided by a merchant or Stripe to effectively authorize the Card Transaction at the point of sale (including online), including where the Issuing Authorized User (as applicable) (a) enters a Personal Identification Number (PIN); (b) signs a sales receipt; (c) provides Card and other requested details; (d) taps, waves or swipes the Card at a card reader; or (e) fulfills multi-factor authentication requirements (including strong customer authentication, as defined under Law). Authorisation of a Card Transaction cannot be withdrawn or revoked once received by Stripe.

Qualifications & exceptions

• Authorization forms depend on the features of the Card.

Charges & Financial Obligations · Company practice

Card Transactions are deducted immediately, open-amount purchases hold estimated funds, and Stripe settles net of fees

Stripe receives a Card Transaction when it gets the settlement instruction from the Card Network, and deducts the amount from the Stripe Issuing Account balance as soon as the transaction is made. Where the final amount is unknown at authorization, a hold may be placed on available funds for the estimated amount authorized by or for the User; those funds are unavailable for any other purpose until the merchant or Card Network releases the hold or Stripe receives the final amount or final payment order. Stripe settles Card Transactions to the Card Network, net of fees and amounts owed to Stripe, within the required settlement time frame.

Supporting quotations

5.4 Processing of Card Transactions.

Stripe receives a Card Transaction at the time Stripe receives the Card Transaction settlement instruction from the relevant Card Network. Stripe will deduct the amount of a Card Transaction from the balance of the Stripe Issuing Account as soon as the Card Transaction is made. When a Card is used to initiate a Card Transaction where the final amount of the Card Transaction is unknown at the time of authorization, a hold may be placed on available funds in the Stripe Issuing Account for an estimated amount of the Card Transaction as authorized by (or on behalf of) User. The funds subject to the hold will not be available to User for any other purpose until the merchant or the Card Network releases the hold, or until Stripe receives the final amount of the Card Transaction or receives the final payment order.

5.5 Card Transaction Settlement.

Stripe will settle Card Transactions, net of fees and amounts owed to Stripe, to the relevant Card Network within the required settlement time frame.

Charges & Financial Obligations · User right or choice

Redeem Issuing Account funds at par any time, except money spent or held; redeeming all cancels Cards

The User may redeem the funds in the Stripe Issuing Account at any time, in whole or in part, at par value. The User is not entitled to a refund of money already spent on, or held for, authorized Card Transactions. Redemption requests go through the communication methods Stripe specifies, including the Stripe Technology, and state the amount. If the User redeems all the funds, Stripe cancels the Cards and the User must, at its own expense, immediately return the cancelled Cards in its possession or control or certify in writing that cancelled or unused Cards were destroyed. Redeemed funds are returned by bank transfer to a User Bank Account, and the User must provide any documents Stripe reasonably requests to process the request.

Supporting quotations

User may redeem the funds on the Stripe Issuing Account at any time in whole or in part at par value. User is not entitled to a refund of money that has already been spent on or held for authorized Card Transactions. User must request redemptions via the communication methods specified by Stripe (including through the Stripe Technology), specifying the amount of redemption. If User chooses to redeem all of the funds on the Stripe Issuing Account, Stripe will cancel the Cards and User will, at User’s sole expense (a) immediately return the cancelled Cards in User’s possession or under User’s control, or (b) provide written certification of destruction of any cancelled or unused Cards. All redeemed funds will be returned to User by bank transfer to a User Bank Account. User will provide Stripe with any documents reasonably requested by Stripe to enable Stripe to process a redemption request.

Qualifications & exceptions

• Redemption is at par value and does not cover money already spent on or held for authorized Card Transactions.
• Redeeming all funds triggers Card cancellation and return or written certification of destruction at the User's expense.

Not stated here

• The communication methods Stripe specifies for redemption requests are not listed in these terms.

Charges & Financial Obligations · Restriction or exception

Stripe may block redemption on breach, Card Unauthorized Purpose or unacceptable risk

Stripe may prevent the User from redeeming funds in the Stripe Issuing Account if Stripe believes the User's actual or intended use of the account (a) breaches the Agreement or any other agreement between the User and Stripe, (b) is for a Card Unauthorized Purpose, which is a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the Stripe Issuing Services, or (c) could expose the User, Stripe or others to risks Stripe finds unacceptable. Unless Law restricts it, Stripe will notify the User as soon as reasonably practicable if it takes that action.

Supporting quotations

6.3 Stripe Action.

Stripe may prevent User from redeeming funds in the Stripe Issuing Account if Stripe believes User’s use (or intended use) of the Stripe Issuing Account (a) breaches this Agreement or any other agreement between User and Stripe; (b) is for any Card Unauthorized Purpose; or (c) could expose User, Stripe or others to risks unacceptable to Stripe. Unless restricted by Law, Stripe will notify User as soon as reasonably practicable if Stripe takes that action.

“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.

Qualifications & exceptions

• The grounds turn on Stripe's belief about actual or intended use.
• Notice follows the action, 'as soon as reasonably practicable', and is not required where Law restricts it.

Not stated here

• No time limit or release process is stated for a block on redemption.

Charges & Financial Obligations · Restriction or exception

No cash back or Card Unauthorized Purpose; Stripe may require a daily limit and decline above it

The User and its Issuing Authorized Users may use the Cards for Card Transactions. The User must not use Cards to obtain cash back at the point of sale or for a Card Unauthorized Purpose (a fraudulent or illegal purpose, a consumer, personal or household purpose, or a purpose unrelated to the Stripe Issuing Services). Acting reasonably, Stripe may require the User to set a daily Card Transaction Limit, the maximum amount available for Card Transactions on a Card, to limit the risk of loss to Stripe and reduce declined transactions. If Stripe requires one, it may decline Card Transactions above that daily limit.

Supporting quotations

7.1 Use of the Cards.

User and User’s Issuing Authorized Users are permitted to use the Cards for Card Transactions. User must not use Cards (a) to obtain cash back at the point of sale; or (b) for a Card Unauthorized Purpose. Stripe may, acting reasonably, require User to establish a daily Card Transaction Limit to prevent the risk of loss to Stripe, and to reduce the rate of declined Card Transactions. If Stripe requires a daily Card Transaction Limit, Stripe may decline any Card Transactions in excess of the daily Card Transaction Limit.

“Card Transaction Limit” means the maximum amounts available for Card Transactions on a Card.

“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.

Qualifications & exceptions

• Stripe's power to require a daily limit must be exercised reasonably and for the stated purposes.

Not stated here

• The amount of any daily limit is not stated here.

Charges & Financial Obligations · Procedure

Report lost cards and bad transactions at once in the Dashboard and cancel Cards; 13-month limit

If the User believes a Card is lost or stolen, or that Card or account transactions were incorrectly executed, defective or unauthorized, it must immediately file a dispute for unauthorized Card Transactions through the Stripe Dashboard and cancel any compromised Cards through the Dashboard. Disputing a transaction does not cancel a Card, and the User may incur additional liability if it fails to cancel a compromised Card. For an incorrectly executed, defective or unauthorized charge, the User may first contact the merchant; if that fails it must notify Stripe through the Dashboard without undue delay and no later than 13 months after the transaction appears on the Stripe Issuing Account.

Supporting quotations

8. Card Disputes.

8.1 Reporting Unauthorized Transactions.

If User believes (a) User’s Card has been lost or stolen; or (b) there are incorrectly executed, defective, or unauthorized transactions on User’s Card or Stripe Issuing Account, User must immediately, (i) report any unauthorized Card Transactions to Stripe by filing a dispute through the Stripe Dashboard; and (ii) cancel any compromised Cards through the Stripe Dashboard. Disputing an incorrectly executed, defective, or unauthorized Card Transaction will not cancel a Card. User may incur additional liability if User fails to cancel a compromised Card through the Stripe Dashboard.

8.2 Reporting Incorrectly Executed Transactions.

If User believes that User’s Card or Stripe Issuing Account was subject to an incorrectly executed, defective, or unauthorized charge, User may contact the merchant to resolve the dispute regarding the relevant Card Transaction. If User is unable to resolve the dispute with the merchant, then User must notify Stripe of the incorrectly executed, defective or unauthorized Card Transaction through User’s Stripe Dashboard. User must notify Stripe of an incorrectly executed, defective, or unauthorized Card Transactions to Stripe without undue delay, and no later than 13 months from the date the Card Transaction appears on User’s Stripe Issuing Account.

Qualifications & exceptions

• Disputing a transaction does not cancel the Card; cancellation is a separate step.
• The 13-month outer limit runs from the date the transaction appears on the Stripe Issuing Account.

Charges & Financial Obligations · Company practice

Stripe decides in its sole discretion whether to credit a dispute and then takes your merchant claims

When the User reports an incorrectly executed, defective or unauthorized Card Transaction in the Stripe Dashboard, Stripe evaluates the information under Law and the Card Network Rules. If Stripe determines in its sole discretion that the transaction was incorrectly executed, defective or unauthorized, it credits the amount back to the Stripe Issuing Account. If Stripe fully or partially credits a transaction, the User agrees to transfer to Stripe, and sign any agreements needed to do so, all claims other than tort claims that the User may have against the merchant for that transaction.

Supporting quotations

8.3 Determining Incorrectly Executed, Defective, or Unauthorized Transactions.

When User notifies Stripe of an incorrectly executed, defective, or unauthorized Card Transaction through the Stripe Dashboard, Stripe will evaluate the submitted information in accordance with Law and the Card Network Rules. If Stripe determines, in its sole discretion, that the Card Transaction was incorrectly executed, defective, or unauthorized, Stripe will credit the amount of the applicable Card Transaction back to User’s Stripe Issuing Account. If Stripe fully or partially credits the amount of a Card Transaction to User’s Stripe Issuing Account, User agrees to transfer (and execute any necessary agreements to effect the transfer) to Stripe all claims (excluding tort claims) that User may have against the merchant for the Card Transaction.

Qualifications & exceptions

• The credit decision is in Stripe's sole discretion, though Stripe evaluates under Law and Card Network Rules.
• The transfer of claims excludes tort claims.

Not stated here

• The outcome for a partially credited transaction on the User's remaining claim is not spelled out beyond the transfer of all non-tort claims.

Charges & Financial Obligations · Company commitment

Stripe reimburses disputes you did not authorize, minus a EUR 50 or GBP 35 share, with exclusions and recoupment

Stripe will reimburse the User for a card dispute where Stripe determines neither the User nor an Issuing Authorized User authorized the underlying Card Transaction. The User bears the first EUR 50 or GBP 35 (as applicable) of a dispute where Stripe reasonably believes the User should have been aware the Card was lost, misappropriated or stolen. Stripe is not liable for a card dispute where the User or an Issuing Authorized User used a Card for a Card Unauthorized Purpose (a fraudulent or illegal purpose, a consumer, personal or household purpose, or a purpose unrelated to the Stripe Issuing Services), intentionally or through gross negligence failed to use the Card as the Agreement or the Stripe Issuing Program Guidelines require, or where the User failed to notify Stripe immediately that the Card was lost, stolen or misappropriated. If Stripe reimburses a transaction and later determines it was duly authorized and correctly executed, or that Stripe is otherwise not liable, it may recoup or set off that amount from the Stripe Issuing Account.

Supporting quotations

Stripe will reimburse User for any card dispute where Stripe determines that neither User nor an Issuing Authorized User authorized the underlying Card Transaction, provided that (a) User will be responsible for the first €50 or £35 (as applicable) of a card dispute where Stripe reasonably believes User should have been aware that the Card was lost, misappropriated, or stolen; (b) Stripe will not be liable for any card dispute where (i) User or an Issuing Authorized User used a Card for a Card Unauthorized Purpose or either intentionally or as a result of gross negligence, failed to use the Card in accordance with the terms of this Agreement or the Stripe Issuing Program Guidelines; or (ii) User failed to immediately notify Stripe of the Card becoming lost, stolen or misappropriated (in accordance with Section 9 of these Stripe Issuing Accountholder Terms).

If Stripe reimburses User for an unauthorized Card Transaction and subsequently determines that the relevant Card Transaction was duly authorized and correctly executed or Stripe is otherwise not liable for the Card Transaction, Stripe may recoup or set off an amount equal to that reimbursed amount from User’s Stripe Issuing Account.

“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.

“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

• Reimbursement depends on Stripe's determination that neither the User nor an Issuing Authorized User authorized the transaction.
• The first EUR 50 or GBP 35 falls on the User only where Stripe reasonably believes the User should have known the Card was lost, misappropriated or stolen.
• Stripe may recoup or set off reimbursed amounts from the Stripe Issuing Account if it later finds the transaction was authorized or it was not liable.

Not stated here

• The notification duty is cited as 'Section 9' of these terms, which is the Card Security section; the immediate reporting duty appears in Section 8.1, so the cross-reference is unclear.

Charges & Financial Obligations · Company practice

Issuing fees follow the Pricing Page or your platform's rates, plus penalties; Stripe may change them on advance notice

Stripe provides the Stripe Issuing Services at the rates and fees on the Stripe Pricing Page unless the User and Stripe agree otherwise in writing. A User that is a Connected Account may receive the services through its Platform Provider at other rates or fees the platform discloses. The User is also responsible for penalties imposed on the User, Stripe or a Stripe Affiliate relating to the Stripe Issuing Account and all Cards. Fees and penalties may include periodic fees, foreign transaction fees, penalties for misuse, funds transfer fees, account maintenance fees, Card issuance or replacement fees and penalties for late or failed payments, and are on top of the amounts owed for Card Transactions. Stripe may change fees or penalties by giving advance notice before revisions apply to the User, subject to applicable Law.

Supporting quotations

10. Stripe Issuing Program Fees.

10.1 Stripe Issuing Program Fees.

Stripe will provide User the Stripe Issuing Services at the rates and for the fees described on the Stripe Pricing Page unless User and Stripe otherwise agree in writing. If User is a Connected Account, User may receive the Stripe Issuing Services through the relevant Platform Provider at other rates or fees disclosed to User by the Platform Provider. In addition to the fees, User is also responsible for any penalties imposed on User, Stripe or any Stripe Affiliate in relation to the Stripe Issuing Account and all Cards. Fees and penalties may include periodic fees, foreign transaction fees, penalties for misuse, funds transfer fees, account maintenance fees, Card issuance or replacement fees, and penalties for late or failed payments. All fees or penalties User owes are in addition to amounts User owes for Card Transactions on Cards. Stripe may change fees or penalties by providing User advance notice before revisions become applicable to User, subject to applicable Law.

Qualifications & exceptions

• The listed fee types are examples ('may include').
• Changes require advance notice before they apply, subject to applicable Law.

Not stated here

• The fee amounts are on the Stripe Pricing Page or in the platform's disclosures, not supplied here.
• The length of the advance notice is not stated.

Charges & Financial Obligations · Restriction or exception

You are responsible for all Card Transactions and Stripe's resulting losses; Stripe may deduct stamp duties and levies

As between the User and Stripe, the User is responsible for all Card Transactions and must reimburse Stripe for losses, damages, costs, fines, fees or penalties that Stripe and its Affiliates incur as a result of the actions or inactions of the User or its Issuing Authorized Users, including liability related to insufficient funds availability or debit reversals. Notwithstanding the Agreement or the Connected Account Agreement where applicable, Stripe may deduct all applicable government levies and stamp duties on Cards from the Stripe Issuing Account.

Supporting quotations

10.2 Liability for Losses.

As between User and Stripe, User is responsible for all Card Transactions and User will reimburse Stripe for any losses, damages, costs, fines, fees, or penalties that Stripe and its Affiliates incur that result from User’s actions or inactions, or those of User’s Issuing Authorized Users, including liability related to insufficient funds availability or debit reversals.

10.3 Card Stamp Duty.

Notwithstanding the terms of this Agreement (or the Connected Account Agreement, as applicable), Stripe may deduct all applicable government levies and stamp duties in respect of Cards from User’s Stripe Issuing Account.

Qualifications & exceptions

• The reimbursement duty covers losses resulting from the actions or inactions of the User or its Issuing Authorized Users.

Charges & Financial Obligations · Company practice

Stripe and its Affiliates may set off Issuing program debts against other funds Stripe holds for you

Stripe, for itself and on behalf of each of its Affiliates, may set off any amounts the User owes in connection with its participation in the Stripe Issuing Program against other funds Stripe holds or processes on the User's behalf.

Supporting quotations

13.5 Right of Setoff.

Stripe, for itself and on behalf of each of its Affiliates, may set off any amounts User owes to Stripe in connection with User’s participation in the Stripe Issuing Program against other funds that Stripe holds or processes on User’s behalf.

Qualifications & exceptions

• The set-off reaches other funds Stripe holds or processes on the User's behalf, not only Issuing Account funds.

Charges & Financial Obligations · Restriction or exception

You are jointly and severally liable for all Issuing program activity and unauthorized-transaction refunds

Except as the Agreement expressly provides, and without prejudice to the Stripe Connect Infrastructure Terms, the User is responsible for all Activity relating to the Stripe Issuing Program, whether started by the User, a Stripe Issuing Accountholder, an Issuing Authorized User or anyone using the User's credentials. That includes use of the services for a Card Unauthorized Purpose (a fraudulent or illegal purpose, a consumer, personal or household purpose, or a purpose unrelated to the Stripe Issuing Services) or in violation of the Agreement or Card Network Rules, all Card Transactions on the Stripe Issuing Account, and any fees, losses, damages or costs Stripe incurs, including insufficient funds for Stripe's debit requests or debit reversals. Stripe may try to collect from accountholders first, but the User remains jointly and severally liable and Stripe may collect from the User. The User must reimburse Stripe for all amounts Stripe refunded to accountholders for unauthorized Card Transactions.

Supporting quotations

5. Responsibility for Activity.

Except as expressly provided in this Agreement, and without prejudice to the Stripe Connect Infrastructure Terms, User is responsible for all Activity relating to the Stripe Issuing Program, whether initiated by User, a Stripe Issuing Accountholder, an Issuing Authorized User, or any person using User’s credentials, including (a) use of the Stripe Issuing Services for a Card Unauthorized Purpose, or in violation of this Agreement, or the applicable Card Network Rules; (b) all Card Transactions on the Stripe Issuing Account; and (c) any fees, losses, damages or costs that Stripe incurs arising out of or relating to that Activity, including insufficient funds availability to cover debit requests from Stripe or due to debit reversals. Stripe may attempt to collect any amounts owed by Stripe Issuing Accountholders before Stripe collects these amounts from User. However, User remains jointly and severally liable to Stripe for these amounts, and Stripe may collect these amounts from User in accordance with this Agreement. User must reimburse Stripe for all amounts refunded by Stripe to Stripe Issuing Accountholders related to unauthorized Card Transactions.

“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.

Qualifications & exceptions

• Stripe may try to collect from accountholders first, but this does not release the User's joint and several liability.
• The responsibility is subject to what the Agreement expressly provides otherwise.

Charges & Financial Obligations · Company practice

Fees follow the Pricing Page; you owe fees and penalties your accountholders incur; Stripe may change them on notice

Stripe provides the Issuing Platform Services and Accountholder Services at the rates on the Stripe Pricing Page unless the User and Stripe agree otherwise in writing. The User is liable to Stripe for fees it and its accountholders incur, and for penalties imposed on the User, its accountholders or Stripe in relation to the User's use of the services. Fees and penalties may include periodic fees, foreign transaction fees, penalties for misuse, dispute fees for unauthorized or incorrectly executed transactions, funds transfer fees, account maintenance fees, Card issuance or replacement fees and penalties for late or failed payments, and are on top of amounts owed for Card Transactions and Card accounts. Stripe may change fees or penalties by giving advance notice before revisions apply to the accountholder, in accordance with Law. If Stripe ultimately collects from an accountholder amounts the User paid for that accountholder's Card Transactions, Stripe refunds the User what it collected.

Supporting quotations

Stripe will provide the Stripe Issuing Platform Services to User and the Stripe Issuing Accountholder Services to Stripe Issuing Accountholders at the rates and for the fees described on the Stripe Pricing Page, unless User and Stripe otherwise agree in writing. User is liable to Stripe for fees User and User’s Stripe Issuing Accountholders incur. In addition to the fees, User is also responsible for any penalties imposed on User, User’s Stripe Issuing Accountholders or Stripe in relation to User’s use of the Stripe Issuing Services. Fees and penalties may include periodic fees, foreign transaction fees, penalties for misuse, dispute fees for unauthorized or incorrectly executed transactions, funds transfer fees, account maintenance fees, Card issuance or replacement fees, and penalties for late or failed payments. All fees or penalties User owes are in addition to amounts owed for Card Transactions and Card accounts associated with each Stripe Issuing Account. Stripe may change fees or penalties by providing User or Stripe Issuing Accountholder (as applicable) advance notice before revisions become applicable to Stripe Issuing Accountholder, in accordance with Law. If Stripe is ultimately able to collect from a Stripe Issuing Accountholder the amounts that User paid to Stripe related to that Stripe Issuing Accountholder’s Card Transactions, Stripe will refund to User the amount Stripe collected from that Stripe Issuing Accountholder.

Qualifications & exceptions

• The listed fee types are examples ('may include').
• Stripe refunds the User only what it actually collects from the accountholder.

Not stated here

• Fee amounts are on the Stripe Pricing Page, which is not supplied.
• The length of advance notice is not stated.

Charges & Financial Obligations · Restriction or exception

You may pass certain fees to accountholders, not wallet or fraud-dispute fees; Stripe may review and order changes

Subject to the terms, the Card Network Rules and Law, the User may pass certain fees on to its accountholders. It must not pass on fees attributable to an accountholder's use of Apple Pay or any other digital wallet, or to a Card Transaction disputed as fraudulent or otherwise unauthorized. The User is solely responsible for communicating any use, recurring or application fees it charges accountholders for Platform Services connected to the Stripe Issuing Services, and must clearly communicate them before imposing them. Stripe may review the fees the User charges to see whether they comply with Stripe's requirements, the Card Network Rules and Law. If not, the User must immediately modify the fees and reimburse the accountholder as Stripe directs.

Supporting quotations

9.2 Fees.

Subject to these Stripe Issuing Platform Terms, the Card Network Rules and Law User may pass certain fees onto the applicable Stripe Issuing Accountholders. User must not pass any fees to any Stripe Issuing Accountholder that are attributable to (a) a Stripe Issuing Accountholder’s use of Apple Pay or any other digital wallet or (b) a Card Transaction that was disputed because it was fraudulent or otherwise unauthorized. User is solely responsible for communicating any use, recurring, or application fees charged to User’s Stripe Issuing Accountholders for their use of Platform Services in connection with the Stripe Issuing Services, and must clearly communicate those fees to Stripe Issuing Accountholders prior to imposing such fees.

Stripe may review the fees User charges its Stripe Issuing Accountholders in connection with the Stripe Issuing Services to determine whether the fees comply with Stripe’s requirements, the Card Network Rules and Law. If Stripe determines the fees do not comply, User must immediately modify the fees and reimburse the Stripe Issuing Accountholder as Stripe directs.

Qualifications & exceptions

• Fee pass-through is subject to these terms, Card Network Rules and Law.
• The ban covers digital wallet use and disputed fraudulent or unauthorized transactions.

Charges & Financial Obligations · Company practice

Stripe may collect government levies, stamp duties and similar taxes on Cards from you or your accountholders

Notwithstanding the Agreement or the Connected Account Agreement where applicable, and where applicable, Stripe may collect government levies, stamp duties and other similar taxes in respect of Cards issued to accountholders from the User or the User's accountholders, as appropriate.

Supporting quotations

9.3 Card Stamp Duty.

Notwithstanding the terms of this Agreement (or the Connected Account Agreement, as applicable), and where applicable, Stripe may collect government levies, stamp duties, and other similar taxes in respect of Cards issued to Stripe Issuing Accountholders from User or User’s Stripe Issuing Accountholders, as appropriate.

Qualifications & exceptions

• The collection applies where applicable and from the User or accountholders as appropriate.

Charges & Financial Obligations · Procedure

Report lost cards and unauthorized transactions at once, help accountholders file, and cancel compromised Cards

If a Card is lost or stolen, or an accountholder believes there are unauthorized transactions, the User must immediately (a) report those transactions to Stripe by filing a dispute through the Stripe Dashboard, or facilitate the accountholder filing one, and (b) cancel any compromised Cards through the Stripe API or Dashboard. Disputing an unauthorized transaction does not cancel a Card, and the User may incur additional liability if it fails to cancel compromised Cards.

Supporting quotations

11.2 Reporting Unauthorized Transactions.

If a Card is lost or stolen, or a Stripe Issuing Accountholder believes that there are unauthorized transactions on a Card, User must immediately (a) report those Card Transactions to Stripe by filing a dispute through the Stripe Dashboard or User must facilitate the Stripe Issuing Accountholder in filing a dispute for those Card Transactions to Stripe, and (b) cancel any compromised Cards through the Stripe API or the Stripe Dashboard. Disputing an unauthorized Card Transaction will not cancel a Card. If User fails to cancel any compromised Cards through the Stripe API or the Dashboard, User may incur additional liability.

Qualifications & exceptions

• Disputing a transaction is separate from cancelling the Card.

Charges & Financial Obligations · Procedure

Defective charges go to the merchant first; accountholders must notify Stripe within 13 months

If the User believes a Card was subject to an incorrectly executed or defective charge, the accountholder must first contact the merchant. If that fails, the User must help the accountholder file a dispute through the Disputes API Form or another channel the User provides. Accountholders must notify Stripe of any incorrectly executed, defective or unauthorized Card Transactions without undue delay and in any event within 13 months of the date the transaction appears on their Stripe Issuing Account.

Supporting quotations

11.3 Reporting Defective or Incorrectly Executed Transactions.

If User believes that a Card was subject to an incorrectly executed or defective charge, the Stripe Issuing Accountholder must first contact the merchant to resolve the dispute regarding the relevant Card Transaction. If the Stripe Issuing Accountholder is unable to resolve the dispute with the merchant, then User must facilitate the Stripe Issuing Accountholder in filing a dispute for the Card Transaction through the Disputes API Form or another channel that User provides.

11.4 Timeline for Reporting Unauthorized, Defective, or Incorrectly Executed Transactions.

Stripe Issuing Accountholders must notify Stripe of any incorrectly executed, defective or unauthorized Card Transactions to Stripe without any undue delay, and, in any event, within 13 months of the date the Card Transaction appears on their Stripe Issuing Account.

Qualifications & exceptions

• The merchant must be contacted first for incorrectly executed or defective charges.
• The 13-month limit runs from the date the transaction appears on the accountholder's account.

Charges & Financial Obligations · Company practice

Stripe or the Card Network decides disputes in its sole discretion; you must abide and not pass dispute fees on

When an accountholder submits or reports an incorrectly executed, defective or unauthorized Card Transaction, Stripe evaluates the information under Law and the Card Network Rules. If Stripe or the Card Network determines in its sole discretion that the dispute is valid or the transaction was defective, incorrectly executed or unauthorized, Stripe credits the amount back to the applicable Stripe Issuing Account. The User must abide by the determination of any dispute and may not pass dispute fees it incurs from unauthorized Card Transactions on to an accountholder.

Supporting quotations

11.5 Determining Disputed Card Transactions.

When a Stripe Issuing Accountholder submits or reports an incorrectly executed, defective or unauthorized Card Transaction, Stripe will evaluate the submitted information in accordance with Law and the Card Network Rules. If Stripe or the Card Network determines, in its sole discretion, that the dispute is valid or the Card Transaction was defective, incorrectly executed or unauthorized, Stripe will credit the amount of the applicable Card Transaction back to the applicable Stripe Issuing Account. User must abide by the determination of any dispute. User may not pass any dispute fees User incurs as a result of any unauthorized Card Transactions on to a Stripe Issuing Accountholder.

Qualifications & exceptions

• The determination is in the sole discretion of Stripe or the Card Network.

Charges & Financial Obligations · Company practice

Stripe or the Issuing Bank may decline or reverse Card Transactions for the bank's listed reasons, without liability

Stripe or an Issuing Bank may reverse or decline to authorize a Card Transaction for any of the reasons in the applicable Issuing Bank Terms. Neither Stripe nor the Issuing Bank is liable for losses, damages, costs, fines, fees or penalties the User incurs related to reversed or declined Card Transactions.

Supporting quotations

4. Card Transactions.

4.1 Ability to Decline to Authorize a Card Transaction.

Stripe or an Issuing Bank may reverse or decline to authorize a Card Transaction for any of the reasons set forth in the applicable Issuing Bank Terms. Neither Stripe nor the Issuing Bank is liable for any losses, damages, costs, fines, fees, or penalties User incurs related to reversed or declined Card Transactions.

Qualifications & exceptions

• The grounds are those in the Issuing Bank Terms.

Not stated here

• The Issuing Bank Terms listing the grounds are not supplied here.

Charges & Financial Obligations · Company practice

Short on a Supported Currency, SPC converts from your default currency; quoted amounts and fees are estimates

Card Transactions in a Supported Currency, a currency Stripe tells the User it supports, are processed in that currency. If the User's balance in it is insufficient and its default-currency balance suffices, SPC converts the Card Transaction amount into the default currency to complete it. The exchange rate for any conversion is determined as stated in the Documentation, and quoted payout amounts and fees involving a conversion are estimates that may change with the rate at conversion time. The Issuing Bank Terms describe conversions Financial Providers may complete.

Supporting quotations

4.2 Currency Conversion.

If a Card Transaction is in a Supported Currency, Stripe will process the Card Transaction in the applicable Supported Currency. If User’s balance in the applicable Supported Currency is insufficient to complete the Card Transaction and User has a sufficient balance available in User’s default currency, SPC will convert the Card Transaction amount from the Supported Currency to User’s default currency to complete the Card Transaction. If a requested Card Transaction requires a currency conversion, then the exchange rate used for that conversion will be determined as stated in the Documentation. Where currency conversion is part of a Card Transaction, any quoted payout amounts and associated fees are estimates, and may fluctuate based on changes in the exchange rate that applies when the currency conversion takes place. The Issuing Bank Terms describe currency conversions that may be completed by Financial Providers.

“Supported Currency” means a currency supported under the Stripe Issuing Accountholder Services as communicated to User by Stripe.

Qualifications & exceptions

• Quoted amounts and fees involving a currency conversion are estimates.

Not stated here

• 'SPC' is not defined in this packet.
• The exchange rate is set 'as stated in the Documentation', which is not supplied.

Charges & Financial Obligations · Company practice

Stripe may set off program debts against other funds it holds for you; you may close the account or a Card

Stripe, for itself and on behalf of the Issuing Bank, may set off any amounts the User owes to Stripe or the bank in connection with its participation in the Stripe Issuing Program against other funds Stripe or the bank holds or processes on the User's behalf. The User may close its Stripe Issuing Account or any Card by notifying Stripe or, if applicable, its Platform Provider.

Supporting quotations

Stripe, for itself and on behalf of the applicable Issuing Bank, may set off any amounts User owes to Stripe or the Issuing Bank in connection with User’s participation in the Stripe Issuing Program against other funds that Stripe or the Issuing Bank holds or processes on User’s behalf.

5.5 Closing User’s Stripe Issuing Account.

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

Qualifications & exceptions

• The set-off reaches other funds Stripe or the Issuing Bank holds or processes for the User, not only Issuing Account funds.

Charges & Financial Obligations · Company practice

Remedies continued: debit User and group bank accounts, and set off or recoup amounts owed, due or not

The Section 7.3 remedies also let Stripe (d) debit the User Bank Accounts, or the bank or financial institution accounts of any or all User Group Entities that have an agreement with a Stripe Entity under which a Stripe Entity provides services; and (e) set off or recoup all amounts Stripe reasonably determines a User Entity owes to a Stripe Entity under the Agreement or another agreement against any amounts a Stripe Entity owes to a User Entity, whether the amounts are matured, unmatured, liquidated or unliquidated.

Supporting quotations

(d) debit the User Bank Accounts or the bank or financial institution accounts of any or all User Group Entities that have entered into an agreement with a Stripe Entity under which a Stripe Entity provides services; and

(e) setoff or recoup all amounts that Stripe reasonably determines a User Entity owes to a Stripe Entity under this Agreement or another agreement, against any amounts that a Stripe Entity, owes to a User Entity, whether the amounts owed are matured, unmatured, liquidated, or unliquidated.

Qualifications & exceptions

• The debit right reaches User Group Entities' accounts only where they have an agreement with a Stripe Entity for services.
• Set-off and recoupment cover amounts Stripe reasonably determines are owed, whether or not yet due or fixed in amount.

Not stated here

• 'User Entity', 'User Group Entities' and 'Stripe Entity' are defined elsewhere, not in this packet.

Charges & Financial Obligations · Restriction or exception

You owe accountholder fees; pass-on limits apply; Stripe may review fees; program fees follow the Pricing Page

The User is liable to Stripe for fees it and its accountholders incur. Subject to the terms, Card Network Rules and Law, the User may pass certain fees on to accountholders, but not fees attributable to an accountholder's use of Apple Pay or any other digital wallet or to a Card Transaction disputed as fraudulent or otherwise unauthorized. The User is solely responsible for communicating any use, recurring or application fees it charges accountholders for Platform Services connected to the Issuing Services, and must communicate them clearly before imposing them. Stripe, on behalf of the Issuing Bank, may review the fees the User charges to see if they comply with the bank's requirements, Card Network Rules and Law, and if not the User must immediately modify them as Stripe directs. Stripe provides the Platform Services and Accountholder Services at the rates and fees on the Stripe Pricing Page unless the User and Stripe agree otherwise in writing.

Supporting quotations

4.2 Stripe Issuing Accountholder Fees.

User is liable to Stripe for fees User and User’s Stripe Issuing Accountholders incur. Subject to these Stripe Issuing Platform Terms, the Card Network Rules and Law, User may pass certain fees onto the applicable Stripe Issuing Accountholders. User must not pass any fees to any Stripe Issuing Accountholder that are attributable to (a) a Stripe Issuing Accountholder’s use of Apple Pay or any other digital wallet; or (b) a Card Transaction that was disputed because it was fraudulent or otherwise unauthorized. User is solely responsible for communicating any use, recurring, or application fees charged to User’s Stripe Issuing Accountholders for their use of Platform Services in connection with the Stripe Issuing Services, and must clearly communicate those fees to Stripe Issuing Accountholders prior to imposing such fees. Stripe, on behalf of the applicable Issuing Bank, may review the fees User charges User’s Stripe Issuing Accountholders in connection with the Stripe Issuing Services to determine whether the fees comply with that Issuing Bank’s requirements, the Card Network Rules and Law. If Stripe determines the fees do not comply, User must immediately modify the fees as Stripe directs.

4.3 Program Fees.

Stripe will provide the Stripe Issuing Platform Services to User and the Stripe Issuing Accountholder Services to Stripe Issuing Accountholders at the rates and for the fees described on the Stripe Pricing Page, unless User and Stripe otherwise agree in writing.

Qualifications & exceptions

• Fee pass-through is subject to the terms, Card Network Rules and Law.
• The ban covers digital wallet use and disputed fraudulent or unauthorized transactions.

Not stated here

• Fee amounts are on the Stripe Pricing Page, which is not supplied here.

Charges & Financial Obligations · Restriction or exception

Stripe sends Tax Information Reports to you only; you indemnify Stripe for taxes caused by late filing

If applicable, Stripe issues Tax Information Reports only to the User, not to accountholders, and the User is responsible for any applicable Tax Information Reports or withholding to accountholders. The User will indemnify Stripe from all Taxes, and related interest, penalties and fees, other than income, franchise or similar taxes payable on the Fees, imposed on a Stripe Entity because the User failed to file Tax Information Reports on time. A 'Tax Information Report' is a required tax information return or report, including IRS Form 1099, or any similar form.

Supporting quotations

5. Taxes.

5.1 Reporting.

If applicable, Stripe will only issue Tax Information Reports to User, and not to Stripe Issuing Accountholders. User is responsible for any applicable Tax Information Reports, or withholding, to Stripe Issuing Accountholders.

5.2 Indemnity.

User will indemnify Stripe from all Taxes, and related interest, penalties and fees (excluding any income, franchise or similar taxes payable with respect to the Fees), if any, imposed on a Stripe Entity as a result of User’s failure to timely file any Tax Information Reports under Section 5.1 of these Stripe Issuing Platform Terms. “Tax Information Report” means a required tax information return or report, including IRS Form 1099, or any other similar form.

Qualifications & exceptions

• The indemnity covers taxes imposed on a Stripe Entity because of the User's late or missed filings, and excludes income, franchise or similar taxes payable on the Fees.

Charges & Financial Obligations · Restriction or exception

You are responsible, jointly and severally, for all Issuing program activity

Except as the Agreement expressly provides, and without prejudice to the Stripe Connect Infrastructure Terms, the User is responsible for all Activity relating to the Stripe Issuing Program, whether started by the User, an accountholder, an Issuing Authorized User or anyone using the User's credentials. That includes activity in violation of the Agreement or Card Network Rules, all Card Transactions on the Stripe Issuing Account, and any fees, losses, damages or costs Stripe incurs from that activity. Stripe may try to collect from accountholders first, but the User remains jointly and severally liable and Stripe may collect from the User under the Agreement.

Supporting quotations

7.3 Responsibility for Activity.

Except as expressly provided in this Agreement, and without prejudice to the Stripe Connect Infrastructure Terms, User is responsible for all Activity relating to the Stripe Issuing Program, whether initiated by User, a Stripe Issuing Accountholder, an Issuing Authorized User, or any person using User’s credentials, including (a) in violation of this Agreement, or the applicable Card Network Rules; (b) all Card Transactions on the Stripe Issuing Account; and (c) any fees, losses, damages, or costs that Stripe incurs arising out of or relating to that Activity. Stripe may attempt to collect any amounts owed by Stripe Issuing Accountholders before Stripe collects these amounts from User. However, User remains jointly and severally liable to Stripe for these amounts, and Stripe may collect these amounts from User in accordance with this Agreement.

Qualifications & exceptions

• Stripe may try to collect from accountholders first without releasing the User's joint and several liability.

Charges & Financial Obligations · Company practice

Open-amount purchases place a hold on your balance for the estimated amount until released or finalized

When a Card is used for a purchase whose final amount is unknown at authorization (for example, an open-amount authorization), Stripe may place a hold on available funds in the Stripe Issuing Account for the estimated amount the User, or someone acting for the User, authorized. Held funds cannot be used for anything else until the merchant or the Card Network releases the hold, or until Stripe receives the final amount or the final payment order. The hold is a possibility (Stripe 'may' place it), and the terms do not state how long a hold can last.

Supporting quotations

When a Card is used to initiate a Card Transaction where the final amount of the Card Transaction is unknown at the time of authorization, a hold may be placed on available funds in the Stripe Issuing Account for an estimated amount of the Card Transaction as authorized by (or on behalf of) User. The funds subject to the hold will not be available to User for any other purpose until the merchant or the Card Network releases the hold, or until Stripe receives the final amount of the Card Transaction or receives the final payment order.

Qualifications & exceptions

• Applies only where the final amount is unknown at the time of authorization.
• The hold is for an estimated amount, not necessarily the final amount.

Not stated here

• The terms give no maximum duration for a hold.

Charges & Financial Obligations · Company practice

Stripe deducts a Card Transaction immediately and settles it to the Card Network net of fees and amounts you owe

Stripe treats a Card Transaction as received when the Card Network sends its settlement instruction, and deducts the amount from the Stripe Issuing Account balance as soon as the transaction is made. Stripe then settles Card Transactions to the relevant Card Network, net of fees and any amounts the User owes Stripe, within the time frame the settlement rules require. The terms do not say which fees or amounts owed are netted or what the required time frame is.

Supporting quotations

Stripe receives a Card Transaction at the time Stripe receives the Card Transaction settlement instruction from the relevant Card Network. Stripe will deduct the amount of a Card Transaction from the balance of the Stripe Issuing Account as soon as the Card Transaction is made.

5.5 Card Transaction Settlement.

Stripe will settle Card Transactions, net of fees and amounts owed to Stripe, to the relevant Card Network within the required settlement time frame.

Qualifications & exceptions

• Settlement is net of fees and amounts owed to Stripe.
• Settlement time frame is whatever is 'required', not a fixed period stated here.

Not stated here

• The settlement time frame and the fees netted are not stated in these terms.

Charges & Financial Obligations · Company practice

Short on a Supported Currency, Stripe converts from your default currency; Card Network conversions add an FX fee

Card Transactions in a Supported Currency (one Stripe tells the User it supports) are processed in that currency. If the User's balance in it is insufficient but the default-currency balance suffices, Stripe converts the transaction into the default currency to complete it, at an exchange rate determined as the Documentation states; any quoted amounts and fees involving conversion are estimates that may change with the rate at conversion time. If a Card Network performs the conversion, the amount is converted at that network's reference rate at clearing time and a foreign exchange fee applies; the networks publish their reference rates and a comparison to European Central Bank rates. When paying in a currency other than a Supported Currency, the applicable rate is shown at the time of the transaction.

Supporting quotations

5.6 Currency Conversions.

If a Card Transaction is in a Supported Currency, Stripe will process the Card Transaction in the applicable Supported Currency. If User’s balance in the applicable Supported Currency is insufficient to complete the Card Transaction, and User has a sufficient balance available in User’s default currency, Stripe will convert the Card Transaction from the Supported Currency to User’s default currency to complete the Card Transaction. If a requested Card Transaction requires a currency conversion, then the exchange rate used for that conversion will be determined as stated in the Documentation. Where currency conversion is part of a Card Transaction, any quoted payout amounts and associated fees are estimates, and may fluctuate based on changes in the exchange rate that applies when the currency conversion takes place.

If a Card Network completes a currency conversion, the amount payable will be converted at the relevant Card Network's reference exchange rate at the clearing time of the Card Transaction, and a foreign exchange fee will apply.

When paying in a currency other than a Supported Currency, the applicable exchange rate will be shown at the time of the Card Transaction.

“Supported Currency” means a currency supported under the Stripe Issuing Accountholder Services as communicated to User by Stripe.

Qualifications & exceptions

• Quoted amounts and fees involving a conversion are estimates.
• The foreign exchange fee amount is not stated in these terms.

Not stated here

• Stripe's own conversion rate is set 'as stated in the Documentation', which is external.

Charges & Financial Obligations · User right or choice

You may claim a refund for an unexpectedly large open-amount charge within 8 weeks, unless the amount was known ahead

The User may request a refund for a Card Transaction whose authorization did not specify the exact amount, where the merchant charged more than the User could reasonably have expected given normal spending patterns on the Card or the circumstances. The claim is not accepted if the amount was made available to the User at least 4 weeks before the transaction date, or if the claim is made more than 8 weeks after the transaction was debited from the Stripe Issuing Account.

Supporting quotations

5.7 Refunds.

User may submit a refund request in relation to Card Transactions where the authorization did not specify the exact amount of the Card Transaction at the time of authorization and the amount charged by the merchant is more than User could reasonably have expected taking into account normal spending patterns on the Card or the circumstances of the Card Transaction. A claim for a refund in these circumstances will not be accepted if the amount of the Card Transaction was made available to User at least 4 weeks before the Card Transaction date, or if the claim is made more than 8 weeks after the Card Transaction was debited from the Stripe Issuing Account.

Qualifications & exceptions

• Only for transactions authorized without an exact amount.
• Barred if the amount was disclosed 4 weeks ahead or the claim is later than 8 weeks after debit.

Charges & Financial Obligations · Company practice

Loaded funds are held by Stripe PSP on your behalf and safeguarded under Law, but are not deposits and earn no interest

The User may load funds at par value onto the Stripe Issuing Account through the Stripe Technology using the funding mechanisms Stripe makes available. All funds in the account are safeguarded by Stripe PSP (Stripe Technology Europe, Limited for the EEA or Stripe Payments UK Ltd for the UK, the additional party providing Regulated Financial Services) in compliance with Law. The User acknowledges that the funds are held by Stripe PSP on its behalf, are not deposits, and earn no interest.

Supporting quotations

6. Loading and Redeeming Funds.

6.1 Loading Funds.

User may load funds at par value onto the Stripe Issuing Account using the Stripe Technology via the funding mechanisms Stripe makes available. All funds in the Stripe Issuing Account are safeguarded by Stripe PSP in compliance with Law. User acknowledges and agrees that funds in the Stripe Issuing Account are held by Stripe PSP on User’s behalf and are not deposits. User will not earn any interest on any funds held in the Stripe Issuing Account.

Stripe Technology Europe, Limited (“Stripe PSP”) is an additional party to this Agreement solely for the purposes of (a) providing Regulated Financial Services; and (b) acting as a Payment Method Acquirer.

Stripe Payments UK Ltd (“Stripe PSP”) is an additional party to this Agreement solely for the purposes of (a) providing Regulated Financial Services; and (b) acting as a Payment Method Acquirer.

Qualifications & exceptions

• Funds are safeguarded, not deposit-protected, and earn no interest.

Charges & Financial Obligations · Procedure

Stripe evaluates reported card disputes and credits valid ones; you must abide and cannot pass costs to accountholders

When an accountholder reports an erroneous or unauthorized Card Transaction, Stripe evaluates the information in line with Law. If Stripe or the Card Network decides the dispute is valid or the transaction was erroneous or unauthorized, Stripe credits the amount back to the accountholder's Stripe Issuing Account. The User must abide by the dispute outcome and must not act against it, including by passing on to an accountholder any costs the User incurs from fraudulent or unauthorized transactions.

Supporting quotations

11.3 Reporting Disputed Card Transactions.

When a Stripe Issuing Accountholder submits or reports an erroneous or unauthorized Card Transaction, Stripe will evaluate the submitted information in accordance with Law. If Stripe or the Card Network determines that the dispute is valid or the Card Transaction was erroneous or unauthorized, Stripe will credit the amount of the applicable Card Transaction back to the applicable Stripe Issuing Account. User must abide by the determination of any dispute. User must not perform any act or omission that conflicts with Stripe or the Card Network’s determination of a dispute, including by passing through any costs User incurs resulting from fraudulent or unauthorized Card Transactions to a Stripe Issuing Accountholder.

Qualifications & exceptions

• Either Stripe's or the Card Network's determination can make the dispute valid.

Charges & Financial Obligations · Permission or license

Remedies include a Reserve, suspending card activity, requiring a guarantee and debiting bank accounts

Once a trigger in Section 14.1 or 14.2 (or another provision that refers to these remedies) has occurred, Stripe may: (a) set up, fund and use a Reserve, including enforcing any security interest or lien held for it, without demand, legal process or notice, and apply it toward liabilities the User owes any Stripe Entity; (b) suspend or end the User's ability to submit new applications, or an accountholder's ability to make Card Transactions; (c) require a personal, parent or bank guarantee or letter of credit in a form Stripe finds satisfactory; and (d) debit the User's bank accounts, or those of User Group Entities that have agreements with a Stripe Entity.

Supporting quotations

14.3 Scope.

Without limiting Stripe’s other rights or remedies under this Agreement, if a triggering event in Sections 14.1 or 14.2 of these Stripe Issuing Platform Terms (or any other provision of this Agreement that refers to these remedies) has occurred, then Stripe may:

(a) establish, fund, use, and apply a Reserve, which may include enforcing or drawing down upon, without demand, legal process, or notice of any kind, any security interest or lien held by Stripe in respect of the Reserve, by applying the Reserve funds toward settlement of any liabilities owed by User to any Stripe Entity;

(b) suspend or terminate User’s ability to submit new applications, or Stripe Issuing Accountholder’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;

(d) debit the User Bank Accounts or the bank or financial institution accounts of any or all User Group Entities that have entered into an agreement with a Stripe Entity under which a Stripe Entity provides services; and

Qualifications & exceptions

• Available only after a listed trigger has occurred.
• Reserve enforcement can happen without demand, legal process or notice.

Not stated here

• The size of any Reserve is not stated here.

Charges & Financial Obligations · Permission or license

Stripe may debit your and group entities' bank accounts and set off or recoup amounts owed against amounts it owes

Among the remedies Stripe may use after a trigger event, it may (d) debit the User's bank accounts, or those of any or all User Group Entities that have an agreement under which a Stripe Entity provides services, and (e) set off or recoup any amounts Stripe reasonably determines a User Entity owes a Stripe Entity under this or another agreement against any amounts a Stripe Entity owes a User Entity, whether those amounts are matured or unmatured, liquidated or unliquidated.

Supporting quotations

(d) debit the User Bank Accounts or the bank or financial institution accounts of any or all User Group Entities that have entered into an agreement with a Stripe Entity under which a Stripe Entity provides services; and

(e) setoff or recoup all amounts that Stripe reasonably determines a User Entity owes to a Stripe Entity under this Agreement or another agreement, against any amounts that a Stripe Entity owes to a User Entity whether the amounts owed are matured, unmatured, liquidated, or unliquidated.

Qualifications & exceptions

• Available only once a listed trigger event has occurred.
• Set-off needs Stripe's reasonable determination that the amount is owed.
• Set-off reaches amounts owed under this agreement or another agreement.

Not stated here

• The terms do not say whether Stripe gives notice before debiting or setting off.

Charges & Financial Obligations · Restriction or exception

If you control approvals, end users must approve spend limits before a Link Transaction and you must document it

If the User controls how a Mutual End User approves the amount of a Link Transaction or sets and approves spend limits, the User must ensure the Mutual End User approves spend limits for one or more Link Transactions before the User Agentic Agent starts them. The User must document the approval details, including the method, give Stripe a copy before the transaction starts, and promptly give Stripe any approval information it requests.

Supporting quotations

(c) Transaction Approval. If User controls how the Mutual End User approves the amount of the Link Transaction or establishes and approves spend limits for one or more Link Transactions, then User will ensure that the Mutual End User approves spend limits for one or more Link Transactions prior to the initiation of the applicable Link Transaction(s) by or through User Agentic Agent. User will document the details of the approval, including the method of approval, and provide a copy of that approval to Stripe prior to the initiation of the Link Transaction. Upon Stripe’s request, User will promptly provide Stripe with necessary approval information in a timely and efficient manner.

“Link Transaction” means a Transaction initiated via User’s Link integration.

Qualifications & exceptions

• Applies only if the User controls how approval or spend limits are set.
• Approval must come before the Link Transaction starts.

Charges & Financial Obligations · Restriction or exception

You must keep Link enabled as a Payment Method while using Link Agent Wallet, under the Link terms and fees

The User will enable Link as a Payment Method and must keep it enabled for as long as it uses the Link Agent Wallet Services. Use of Link is subject to the Link Payment Method Terms and the corresponding fees on the Stripe Pricing Page. If the User has already enabled Link, the terms and pricing it previously agreed to apply.

Supporting quotations

(a) Link Payment Method. User will enable Link as a Payment Method, and must have Link Payment Method enabled for the duration of its use of the Link Agent Wallet Services. User’s use of the Link Payment Method is subject to the Link Payment Method Terms and corresponding fees on the Stripe Pricing Page. To the extent User has already enabled the Link Payment Method, previously agreed to terms and pricing apply.

Qualifications & exceptions

• Previously agreed terms and pricing apply if Link was already enabled.

Not stated here

• The Link Payment Method Terms and fee amounts are not part of this saved text.

Charges & Financial Obligations · Restriction or exception

Total Link Transaction value is capped per Documentation or written agreement, counting refunds and disputes

The total dollar value of all Link Transactions started by or through the User Agentic Agent, including refunds, reversals and disputes, is determined by Stripe Documentation or as the parties agree in writing (email is enough). The terms do not state the cap amount.

Supporting quotations

2.3 Transaction Cap.

The total dollar value of all Link Transactions (including refunds, reversals, and disputes) initiated by or through User Agentic Agent will be determined per Stripe Documentation or as agreed to in writing by the parties (email sufficient)..

Qualifications & exceptions

• Counts refunds, reversals and disputes as well as purchases.
• Email counts as written agreement.

Not stated here

• The cap amount is not stated in this document; it sits in Documentation or a separate written agreement.

Charges & Financial Obligations · Permission or license

Stripe may suspend Link use once its Link Transaction Losses exceed USD $25,000, until a Definitive Agreement

When Stripe is liable as merchant of record under the Card Network Rules for certain transaction liabilities of Link Transactions started through the User Agentic Agent, or for funding a Link balance, and incurs more than USD $25,000 in Link Transaction Losses, Stripe may suspend or restrict the User's use of the Link Agent Wallet Services until the parties agree a Definitive Agreement. Link Transaction Losses are Stripe's losses from chargebacks, chargeback fees, fines, penalties, fraud, disputes, refunds or reversals on those transactions. A Definitive Agreement is one that includes any fees or agreed liability framework.

Supporting quotations

2.4 Loss Liability.

When Stripe is liable as merchant of record under the Card Network Rules for certain transaction liabilities associated with Link Transactions initiated through User Agentic Agent or funding of a custodial or non-custodial Link balance, including Link Transaction Losses, and incurs greater than USD $25,000 in Link Transaction Losses, Stripe may suspend or restrict User’s use of Link Agent Wallet Services until the parties have agreed to a Definitive Agreement.

“Link Transaction Losses” means losses Stripe incurs for chargebacks, chargeback fees, fines, penalties, fraud, disputes, refunds, or reversals arising as a result of Link Transactions initiated by or through User Agentic Agent.

“Definitive Agreement” means an agreement that includes any fees or agreed upon liability framework for the Link Agent Wallet Services.

Qualifications & exceptions

• The USD $25,000 threshold counts Stripe's losses, not the User's.
• Suspension or restriction continues until a Definitive Agreement is agreed.

Not stated here

• The terms do not state what liability the User bears for Link Transaction Losses; they say only that a Definitive Agreement would set any liability framework.

Charges & Financial Obligations · Permission or license

The services carry no additional cost today, but Stripe may apply or change fees, subject to any legally required notice

Stripe provides the Link Agent Wallet Services at no additional cost to the User, and fees for other Stripe Services still apply. Stripe reserves the right to apply or change fees for the Service, subject to any notice period the law requires before applying or changing fees, and to any applicable Taxes.

Supporting quotations

3.2 Fees.

Stripe provides the Services at no additional cost to User. Fees for use of other Stripe Services continue to apply. Stripe reserves the right to apply or change fees for the use of the Service, subject to any notice period required by Law before applying or changing fees, as well as any applicable Taxes.

Qualifications & exceptions

• Any legally required notice period applies before a fee starts or changes.
• Applicable Taxes are additional.

Not stated here

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

Charges & Financial Obligations · Context

Definitions: Link Transaction, Link Transaction Losses and Definitive Agreement

A Link Transaction is a Transaction started via the User's Link integration. Link Transaction Losses are losses Stripe incurs for chargebacks, chargeback fees, fines, penalties, fraud, disputes, refunds or reversals arising from Link Transactions started by or through the User Agentic Agent. A Definitive Agreement is an agreement that includes any fees or agreed liability framework for the Link Agent Wallet Services.

Supporting quotations

“Link Transaction” means a Transaction initiated via User’s Link integration.

“Link Transaction Losses” means losses Stripe incurs for chargebacks, chargeback fees, fines, penalties, fraud, disputes, refunds, or reversals arising as a result of Link Transactions initiated by or through User Agentic Agent.

“Definitive Agreement” means an agreement that includes any fees or agreed upon liability framework for the Link Agent Wallet Services.

Qualifications & exceptions

• Link Transaction Losses are measured as Stripe's own losses.

Charges & Financial Obligations · Company practice

The service sells digital products via checkout, receipts, proceeds, post-sale support and Indirect Tax handling

The Stripe Managed Payments Service enables the sale of digital products to Customers by showing checkout pages, sending receipts, managing sales proceeds and post-sale support (such as disputes and transaction support), and calculating and remitting any applicable Indirect Taxes in certain jurisdictions, as described in the Documentation.

Supporting quotations

1.2 Description of Stripe Managed Payments Service.

The Stripe Managed Payments Service enables the sales of digital products to Customers by surfacing checkout pages to Customers, sending receipts, managing sales proceeds and post-sale support (e.g., disputes and transaction support), as well as calculating and remitting any applicable Indirect Taxes in certain jurisdictions, as described in the [Documentation](https://docs.stripe.com/payments/managed-payments/how-it-works).

Qualifications & exceptions

• Indirect Tax calculation and remittance happens only in certain jurisdictions.

Not stated here

• Which jurisdictions are covered is left to the Documentation, which is a linked page not in this text.

Charges & Financial Obligations · Company practice

SMP is merchant of record and sells on your behalf; you are bound by its actions; it is the Indirect Tax supplier

SMP provides the Managed Payments Service to the User as a Seller, not to the User's Customers, and is the merchant of record for Transactions through it. The User appoints and authorizes SMP to facilitate sales of the User's Product on the User's behalf and agrees to be bound by SMP's actions in those sales. SMP is not the seller of record, never has or receives possession of the Product, and does not book the revenue from the sale. For Indirect Tax purposes only, as further described in Section 4, the User agrees that SMP should be treated under applicable Laws as making or deemed to make the supply to the Customer, for example as an electronic interface operator, marketplace operator, commissionaire, agent or deemed supplier, or as the person responsible for determining, collecting, reporting and remitting Indirect Taxes.

Supporting quotations

2.1 Provision of Services by SMP to Seller.

(a) Merchant of Record. SMP provides the Stripe Managed Payments Service to User, as a Seller, and not to User’s Customers. SMP is the merchant of record for Transactions using the Stripe Managed Payments Service. User appoints and authorizes SMP to facilitate the sale of User’s Product on User’s behalf in accordance with these Stripe Managed Payments Terms, and User agrees to be bound by the actions of SMP in connection with the sale of User’s Product on User’s behalf. User agrees that SMP is not the seller of record, SMP does not have or receive possession of the Product, and SMP will not book the revenue from User’s sale of the Product to Customer. User acknowledges and agrees that, for Indirect Tax purposes only and as further described in Section 4 (Responsibility for Indirect Taxes on the Sales of Products), SMP should be treated under applicable Laws as making or deemed to make the supply of the Product to the Customer, as an electronic interface operator, marketplace operator, commissionaire, agent or deemed supplier, or as the person responsible for determining, collecting, reporting and remitting Indirect Taxes in respect of that supply.

“Indirect Taxes” means any applicable transaction taxes and duties imposed by any Governmental Authority, including sales and use tax, value-added tax (VAT), and goods and services tax (GST), or equivalent transaction taxes.

Qualifications & exceptions

• The supplier treatment is for Indirect Tax purposes only.
• SMP is merchant of record but not seller of record.

Not stated here

• Section 4 on Indirect Tax responsibility sits in a later part of these terms.

Charges & Financial Obligations · Company practice

You appoint SMP as your agent for funds, and settlement funds are pooled with other users' funds at Financial Providers

SMP may provide access to Stripe Payment Services to facilitate the User's sales. The User appoints SMP as its agent for the limited purpose of directing, receiving, holding and settling funds. All settlement funds that Stripe, SMP or Acquiring Affiliates receive for Transactions are combined with other users' settlement funds and held in one or more Pooled Accounts at one or more Financial Providers. A Pooled Account is a pooled account to which Transaction settlement funds are credited.

Supporting quotations

2.2 Provision of Services by Stripe to SMP; Pooled Accounts.

User appoints SMP as User’s agent for the limited purpose of directing, receiving, holding and settling funds under this Agreement.

All settlement funds that Stripe, SMP, or Acquiring Affiliates, as applicable, receive for Transactions are combined with settlement funds for other users and held in one or more Pooled Accounts at one or more Financial Providers.

“Pooled Account” means a pooled account to which Transaction settlement funds are credited.

Qualifications & exceptions

• The agency is limited to directing, receiving, holding and settling funds.

Not stated here

• The terms do not name the Financial Providers.

Charges & Financial Obligations · Company practice

Once an Acquiring Affiliate has the funds the Customer owes you nothing more; recourse is against Stripe or SMP

Once an Acquiring Affiliate receives funds for a Transaction, the Customer has no further obligation to pay the User for it, whether or not and whenever Stripe or its Affiliate settles those funds to the User. If Stripe or SMP does not settle funds due to the User, the User has recourse only against Stripe or SMP and not against the Customer. Stripe or SMP will promptly update the User's Stripe Account balance to reflect processed Transactions. Acquiring Affiliates are Stripe's Affiliates or Payment Method Acquirers identified in the Documentation that SMP may use to acquire Transactions for the Service.

Supporting quotations

Once an Acquiring Affiliate receives funds for a Transaction, the relevant Customer has no further obligation to make payments to User with respect to that Transaction, regardless of whether and when Stripe or its Affiliate (as applicable) settles those funds to User. If Stripe or SMP (as applicable) does not settle funds due to User under this Agreement, User will have recourse only against Stripe or SMP (as applicable) and not the relevant Customer.

Stripe or SMP (as applicable) will promptly update User’s Stripe Account balance to reflect processed Transactions.

“Acquiring Affiliates” means Stripe’s Affiliates or Payment Method Acquirers as identified in the Documentation which SMP may provide access to via the Stripe Payments Services to acquire Transactions in connection with the Stripe Managed Payments Service.

Qualifications & exceptions

• The Customer's discharge does not depend on whether Stripe has settled the funds to the User.
• Balance updates are promised promptly, not by a fixed deadline.

Not stated here

• The Acquiring Affiliates are identified in the Documentation, which is not in this text.

Charges & Financial Obligations · Restriction or exception

Stripe may invest pooled funds, and you have no rights to the pooled account, its earnings, or to draw funds from it

Stripe and its Affiliates may invest funds held in a Pooled Account as described in the General Terms. The User has no rights to any Pooled Account or to earnings its funds generate, and is not entitled to draw funds from any Pooled Account.

Supporting quotations

Stripe and its Affiliates (as applicable) may invest funds held in a Pooled Account as described in the General Terms.

User has no rights to any Pooled Account, or earnings generated by funds held in any Pooled Account, and are not entitled to draw funds from any Pooled Account.

Qualifications & exceptions

• Investment is as the General Terms describe.

Not stated here

• The General Terms' investment rules are not repeated here.

Charges & Financial Obligations · Permission or license

SMP may issue refunds within 60 days despite a stricter policy of yours, and its refund policy controls

SMP reserves the right to issue refunds within 60 days of a Customer's purchase through the Service, regardless of any more restrictive refund policy the User has set. The User's refund policy remains subject to the SMP refund policy at all times (the policy is on a linked page not in this text). If the two conflict, the SMP refund policy controls where the User's is more restrictive.

Supporting quotations

3.3 Refund Policy.

SMP reserves the right to issue refunds within 60 days of a Customer’s purchase of a Product via the Stripe Managed Payments Service regardless of any more restrictive refund policy User has set with its Customers. User’s refund policy remains subject to the SMP refund policy, located at [https://support.link.com/questions/sold-through-link-refunds](https://support.link.com/questions/sold-through-link-refunds), at all times. In the event of a conflict between the SMP refund policy and User’s refund policy, the SMP refund policy will control where User’s refund policy is more restrictive than the SMP refund policy.

Qualifications & exceptions

• The 60-day refund right applies even where the User's policy is more restrictive.
• The SMP policy wins only where the User's policy is more restrictive.

Not stated here

• The SMP refund policy is on a linked page and is not supplied.

Charges & Financial Obligations · Restriction or exception

You are liable for legally required Refunds and all Disputes, refunds and Reversals, debited from you

If SMP must make a Refund by Law, including Law applicable to the Customer's location, the User is liable for the full amount regardless of any refund policy. The User, as Seller, is liable to SMP and its Affiliates for the full amount of any Disputes, refunds and Reversals resulting from its sale of Products through the Service. SMP or its Affiliates will debit those amounts from the User's Stripe Account balance or, where Law permits, its User Bank Account.

Supporting quotations

If SMP is required to make a Refund by Law, including Law applicable to Customer's location, User is liable for the full amount of the Refund regardless of any refund policy. User, as Seller, is liable to SMP and its Affiliates for the full amount of any Disputes, refunds, and Reversals resulting from User’s sale of Products using the Stripe Managed Payments Service. SMP or its Affiliates will debit the amount of any Disputes, refunds, and Reversals from User’s Stripe Account balance or, where permitted by Law, User’s User Bank Account.

Qualifications & exceptions

• Bank account debits happen only where Law permits.
• Liability covers the full amount regardless of the refund policy the User set.

Charges & Financial Obligations · Permission or license

SMP may switch on dispute prevention, deflection and resolution features for you, and you pay their fees

SMP may, at its discretion, enable and configure dispute prevention, deflection and resolution features on the User's behalf to manage the User's dispute rate and maintain the integrity of the Service. The User is responsible for fees on dispute management tools, including when enabled on its behalf, as described in the Documentation or on the Stripe Pricing Page.

Supporting quotations

(b) Dispute Rate Management. SMP may, at its discretion, enable and configure dispute prevention, deflection, and resolution features on User’s behalf to manage User’s dispute rate and maintain the integrity of the Stripe Managed Payments Service. User is responsible for any fees associated with dispute management tools, including when enabled on User’s behalf, as described in the relevant Documentation or on the Stripe Pricing Page.

Qualifications & exceptions

• Enabling the tools is at SMP's discretion.
• The User pays the fees even if SMP enabled the tools on its behalf.

Not stated here

• Fee amounts are in the Documentation or Pricing Page, which are not in this text.

Charges & Financial Obligations · Company practice

The Payments Terms apply to you as Seller, SMP submits Transactions for you, and Amex conversion is off

The Stripe Payments Terms apply when the User uses the Managed Payments Service. Section 3 of those terms (Payment Methods and Transactions; Payment Method Rules and Payment Method Terms) is modified to apply to the User as the Seller, and any reference to Stripe Payments Services is replaced with the Managed Payments Service. References to submitting Transactions mean SMP submitting them on the User's behalf, and Section 3.5 of the Payments Terms (American Express Conversion, applicable only to the American Express Card Network) does not apply.

Supporting quotations

3.6 Payment Methods.

The Stripe Payments Terms apply when User uses the Stripe Managed Payments Service. Section 3 (“Payment Methods and Transactions; Payment Method Rules and Payment Method Terms”) of the Stripe Payments Terms are modified to apply to User as the Seller when using Stripe Managed Payments Service and any reference to Stripe Payments Services is replaced with the Stripe Managed Payments Service. For clarity, when using the Stripe Managed Payments Service, (a) references to submitting Transactions refers to SMP submitting Transactions on User’s behalf, and (b) Section 3.5 of the Stripe Payments Terms (“American Express Conversion – Only Applicable to the American Express Card Network”) does not apply.

Qualifications & exceptions

• Section 3 of the Payments Terms applies as modified for the Seller.
• Section 3.5 on American Express conversion does not apply.

Charges & Financial Obligations · Restriction or exception

You as Seller must meet payment method acceptance requirements unless Managed Payments already did so for you

The User, as Seller, is responsible for complying with the specific requirements for accepting and using the Payment Methods offered to Customers through the Managed Payments Service, unless the Service has already complied on the User's behalf, for example by providing a receipt that accurately describes each Transaction.

Supporting quotations

User, as Seller, is responsible for compliance with the specific requirements for acceptance and use of Payment Methods that are offered to Customers through User’s use of the Stripe Managed Payments Service, unless already complied with on User’s behalf by the Stripe Managed Payments Service (e.g., providing a receipt that accurately describes each Transaction).

Qualifications & exceptions

• Excused only where the Service has already complied on the User's behalf.

Not stated here

• The terms do not list which requirements the Service handles beyond the receipt example.

Charges & Financial Obligations · Restriction or exception

Stripe passes through acquirer, provider and Card Network costs and liabilities to you, and their decisions bind you

Stripe will pass through to the User, and the User is responsible for, (a) costs, fees, fines and charges imposed by a Payment Method Acquirer, Payment Method Provider or Card Network on the User's sale of Products through the Service, and (b) the liability allocated to SMP, acting for the User as Seller, from a decision by one of them about those sales. Any such decision is final and binding on the User.

Supporting quotations

3.7 Liability for Payment Methods.

(a) Pass-Throughs. Stripe will pass through to User and User is responsible for (a) any costs, fees, fines, and charges imposed by a Payment Method Acquirer, Payment Method Provider, or Card Network related to User’s sale of Products via the Stripe Managed Payments Service, and (b) the liability allocated to SMP (acting on User’s behalf as the Seller) from a decision made by a Payment Method Acquirer, Payment Method Provider, or Card Network related to User’s sale of Products via the Stripe Managed Payments Service. Any decision made by a Payment Method Acquirer, Payment Method Provider, or Card Network is final and binding on User.

Qualifications & exceptions

• Covers both charges imposed and liability allocated to SMP acting for the User.
• Decisions of the acquirer, provider or Card Network are final and binding on the User.

Not stated here

• The amounts and the appeal routes, if any, are not stated here.

Charges & Financial Obligations · Restriction or exception

You may not charge a stored Payment Method that SMP authorized unless you get the Customer's own authorization

The User may have access to the Payment Method information a Customer used for Transactions through Managed Payments, but must not charge a Customer's stored Payment Method if SMP obtained the original authorization, unless the User gets its own authorization from the Customer in line with Law.

Supporting quotations

(b) Stored Payment Methods. User may have access to Payment Method information used by a Customer for Transactions using Stripe Managed Payments. User must not charge a Customer’s stored Payment Method if the original authorization was obtained by SMP, unless User obtains its own authorization from Customer in accordance with Law.

Qualifications & exceptions

• Applies where SMP obtained the original authorization.

Charges & Financial Obligations · Permission or license

SMP may decline, cancel or refund any Transaction it reasonably suspects is risky, abnormal or in error

SMP may decline, cancel or refund any Transaction made through the Service at any time if it reasonably believes or suspects the Transaction (a) may be fraudulent or unlawful, (b) poses a security risk to Stripe or its Affiliates, (c) may be abnormal, such as an excessive order size, (d) may be made in error, (e) may be made in bad faith, (g) is likely to result in a Dispute, or (h) violates the Agreement, the Documentation or other Stripe terms or policies. The list as written skips item (f).

Supporting quotations

3.8 Transaction Integrity.

SMP may decline, cancel, or refund any Transaction made using Stripe Managed Payments Service at any time if SMP reasonably believes or suspects a Transaction (a) may be fraudulent or unlawful, (b) poses a security risk to Stripe or its Affiliates, (c) may be abnormal (e.g., excessive order size), (d) may be made in error, (e) may be made in bad faith, (g) is likely to result in a Dispute, or (h) is a violation of this Agreement, the Documentation, or other Stripe terms or policies.

Qualifications & exceptions

• Requires SMP's reasonable belief or suspicion.
• The listed grounds run (a) to (e) then (g) and (h), with no item (f) in the source.

Not stated here

• The source has no item (f); the terms do not say whether one was dropped.

Charges & Financial Obligations · Company practice

SMP calculates, collects and remits Indirect Taxes in listed countries and is the liable supplier where Law treats it so

By using the Service, the User agrees SMP will calculate, collect, hold and remit Indirect Taxes on the sale of the Seller's Product to the relevant authorities in the countries identified in the Documentation. For Sellers in certain jurisdictions SMP does this only for cross-border sales, to Customers outside the Seller's country, and has no responsibility for Indirect Taxes on domestic sales. As local Law applies, the User appoints SMP to act as an electronic interface operator, marketplace operator, commissionaire or agent to facilitate supply to Customers for Indirect Tax purposes. Where Law treats SMP in that role as making the supply in its own name or as an intermediary, SMP is treated as the supplier or intermediary liable for the Indirect Taxes and is responsible for charging, collecting, reporting and remitting them. Indirect Taxes means transaction taxes and duties such as sales and use tax, VAT and GST.

Supporting quotations

4. Responsibility for Indirect Taxes on the Sales of Products.

4.1 Indirect Taxes Responsibility.

(a) SMP Tax Responsibility. By using the Stripe Managed Payments Service, User agrees SMP will calculate, collect, hold, and remit to the relevant Government Authorities Indirect Taxes on the sale of Seller’s Product in the countries identified in the Documentation. For Sellers located in certain jurisdictions, SMP will only calculate, collect, and remit Indirect Taxes on the cross-border sales of Seller’s Product (i.e. for sales to Customers outside of Seller’s country), and SMP will have no responsibility for Indirect Taxes on the domestic sales of Seller’s Product (i.e., for sales to Buyers in Seller’s own country). As applicable under local Law, User appoints SMP to act as an electronic interface operator, marketplace operator, commissionaire, or agent on User’s behalf to facilitate the supply of User’s Product to Customers for Indirect Tax purposes. User acknowledges that, in jurisdictions where SMP, as an electronic interface operator, marketplace operator, commissionaire, or agent, is treated by Law as making the supply in SMP’s own name or as an intermediary, SMP will be treated as the supplier or intermediary liable for Indirect Taxes, and will be responsible for charging, collecting, reporting and remitting those Indirect Taxes to the relevant Governmental Authority.

“Indirect Taxes” means any applicable transaction taxes and duties imposed by any Governmental Authority, including sales and use tax, value-added tax (VAT), and goods and services tax (GST), or equivalent transaction taxes.

Qualifications & exceptions

• Coverage is limited to the countries identified in the Documentation.
• In certain jurisdictions SMP covers cross-border sales only.
• SMP's role as liable supplier applies where Law treats it that way.

Not stated here

• The country list and the jurisdictions limited to cross-border sales are in the Documentation, which is not in this text.

Charges & Financial Obligations · Restriction or exception

You handle taxes where SMP does not, and SMP's invoices in your name are your responsibility to keep compliant

For Sellers in jurisdictions where SMP supports Indirect Taxes only on cross-border sales, the Seller is solely responsible for calculating, collecting, holding and remitting Indirect Taxes on domestic sales. For Customers in jurisdictions not identified in the Documentation, SMP is not responsible for Indirect Taxes and the Seller is solely responsible for all taxes as Law requires. For sales where SMP is not responsible for Indirect Taxes, SMP will issue an invoice to the Customer on the Seller's behalf in the Seller's name. The Seller, not SMP or its Affiliates, must make sure those invoices meet the Seller's legal and tax requirements, should configure invoice settings in the Stripe Dashboard, and should check whether additional third party services are needed to supplement the invoices.

Supporting quotations

(b) Seller Tax Responsibility and Customer Invoices. For Sellers located in jurisdictions where SMP only supports Indirect Taxes for cross-border sales of Seller’s Product, Seller is solely responsible for calculating, collecting, holding, and remitting Indirect Taxes to the relevant Government Authority on domestic sales of Seller’s Product. For Sellers with Customers located in jurisdictions not identified in the Documentation, SMP is not responsible for the calculation, collection, or remittance of Indirect Taxes on the sale of Seller’s Product, and Seller is solely responsible for the calculation, collection, and remittance of all taxes as required by Law. For those sales of Products using Managed Payments for which SMP is not responsible for the Indirect Taxes, SMP will issue an invoice to Customer on behalf of Seller in Seller’s name. Seller, and not SMP or its Affiliates, is responsible for ensuring that invoices issued by SMP in Seller’s name meet Seller’s legal and tax requirements. Seller should configure the invoice settings in the Stripe Dashboard and ensure the invoices comply with Law, including determining if the invoices need to be supplemented using additional third party services to meet Seller’s legal and tax requirements.

Qualifications & exceptions

• Applies to domestic sales in cross-border-only jurisdictions and to Customers in jurisdictions not in the Documentation.
• SMP issues the invoice but the Seller is responsible for its legal and tax compliance.

Not stated here

• Which jurisdictions fall in each group depends on the Documentation, which is not supplied.

Charges & Financial Obligations · Restriction or exception

You repay SMP for Indirect Tax refunded to Customers that it cannot recover; later recoveries come back to you

The User must pay SMP for Indirect Tax refunded to Customers on a Managed Payments Transaction when SMP or its Affiliates must remit that tax to Governmental Authorities and cannot recover it from the authority. The User authorizes Stripe and its Affiliates to debit the User's Stripe Account balance to recover those refunded taxes. If Stripe or its Affiliates later recover the tax from the authority, they will refund the recovered amount to the User.

Supporting quotations

(c) Responsibility for Indirect Tax Refunded to Customers. User must pay SMP for any Indirect Tax that is refunded to Customers in connection with a Transaction using Stripe Managed Payments Service, if SMP or its Affiliates is required to remit the Indirect Tax amount to Governmental Authorities for that Transaction and is unable to recover the relevant Indirect Tax amounts from the Governmental Authority. User authorizes Stripe and its Affiliates to debit User’s Stripe Account balance and recover from User any Indirect Taxes refunded by Stripe and its Affiliates to User’s Customers, where SMP is required to remit those Indirect Taxes to, and is unable to recover those Indirect Taxes from, the relevant Governmental Authority. If Stripe or its Affiliates can recover those Indirect Taxes from the relevant Governmental Authority at a later date, Stripe or its Affiliates will refund the recovered amount to User.

Qualifications & exceptions

• Applies only where SMP must remit the tax and cannot recover it from the Governmental Authority.
• Later recoveries are refunded to the User.

Not stated here

• No deadline is stated for refunding a later recovery.

Charges & Financial Obligations · Restriction or exception

Where you are deemed to supply SMP, the amount SMP pays you includes Indirect Tax and you may not charge more

In any jurisdiction where the User is deemed to supply the Product to SMP and SMP is deemed to supply it to the User's Customer, the amounts SMP pays the User for the Product include any Indirect Taxes on the deemed supply to SMP, and the User will not charge or recover any additional amount from SMP for that Indirect Tax.

Supporting quotations

(d) Tax Inclusive. In any jurisdiction where, User is deemed to make a supply of the Product to SMP and SMP is deemed to make a supply of the Product to User’s Customer:

(i) the amounts payable by SMP to the User for the Product are inclusive of any Indirect Taxes that apply to the deemed supply of the Product to SMP; and

(ii) User will not charge or recover any additional amount from SMP for that Indirect Tax.

Qualifications & exceptions

• Applies only in jurisdictions with a deemed two-step supply.

Not stated here

• Which jurisdictions have a deemed supply is not stated.

Charges & Financial Obligations · Permission or license

If your Free Trials are taxable supplies, SMP may decide, collect, remit and recover the Indirect Tax from you

If the User offers Free Trials and one is deemed a taxable supply where SMP is treated as the party responsible for the Indirect Tax, the User authorizes SMP to (i) decide, in its reasonable discretion and based on Law, whether Indirect Tax is due on the Free Trials, (ii) charge, collect, withhold and remit Indirect Tax as Law requires, and (iii) charge or recover from the User the Indirect Tax attributable to its Free Trials. A Free Trial is free digital goods or services, trial periods, samples or promotional services.

Supporting quotations

(f) Free Trials Provided by User. If User offers Free Trials to User’s Customers and the Free Trial is deemed a taxable supply where SMP is treated as the party responsible for the Indirect Tax, User authorizes SMP to:

(i) determine, using SMP’s reasonable discretion and based on Law, whether Indirect Tax is due on User’s Free Trials;

(ii) charge, collect, withhold, and remit Indirect Tax in accordance with Law; and

(iii) charge or recover from the User the amount of any Indirect Tax attributable to User’s Free Trials.

“Free Trial” means the provision of free digital goods and/or services, trial periods, samples, or promotional services.

Qualifications & exceptions

• Applies only where a Free Trial is deemed a taxable supply and SMP is the responsible party.
• SMP decides using reasonable discretion based on Law.

Charges & Financial Obligations · Restriction or exception

You must reimburse SMP for Free Trial tax costs, which it may set off or debit, and give trial details on request

The User must promptly reimburse SMP on request for any Indirect Tax, interest, penalties or associated costs SMP has paid, is assessed or becomes liable for in relation to the User's Free Trials. SMP may, without limitation, set those amounts off against sums otherwise due to the User under the Agreement or debit the User's Stripe Account balance. On request the User must give SMP accurate and complete information on the nature, value and terms of any Free Trials.

Supporting quotations

User will promptly reimburse SMP, upon request, for any Indirect Tax, interest, penalties, or associated costs that SMP has paid, is assessed, or becomes liable for in relation to User’s Free Trials. SMP may, without limitation, set off such amounts against any sums otherwise payable or due to the User under this Agreement or debit User’s Stripe Account balance. Upon request, User must provide SMP with accurate and complete information regarding the nature, value, and terms of any Free Trials.

Qualifications & exceptions

• Reimbursement is due promptly on SMP's request.
• The set-off right is stated as without limitation.

Charges & Financial Obligations · Restriction or exception

You must give accurate product information; Stripe sets and may change tax rates, which is not tax advice

The User must give SMP accurate information about its products so eligibility for the Service can be determined. For each Product the User chooses to sell through the Service, the Service determines the product's taxability and tax rate. Stripe and its Affiliates may review and change the tax rate assigned to a Product at their discretion for supported Transactions, as the Documentation describes, and a change does not constitute tax advice. SMP is not responsible for calculating, collecting or remitting Indirect Taxes on products that do not meet the eligibility requirements in the Documentation, and the Seller is solely responsible for all Taxes on them as Law requires.

Supporting quotations

4.2 Product Eligibility and Tax Rates.

User must provide accurate information to SMP about its products to determine eligibility for the use of the Stripe Managed Payments Service. For each Product that User elects to sell via the Stripe Managed Payments Service the Stripe Managed Payments Service will determine the appropriate product taxability and tax rate. Stripe and its Affiliates reserve the right to review and change the tax rate assigned to a Product at its discretion for a Transaction using the Stripe Managed Payments Service that SMP supports for Indirect Tax purposes in accordance with the Documentation. User acknowledges and agrees that any change Stripe makes to a tax rate does not constitute tax advice. SMP is not responsible for the calculation, collection, or remittance of Indirect Taxes on the sale of any product that does not meet the eligibility requirements as described in the Documentation, and Seller is solely responsible for the calculation, collection, and remittance of all Taxes as required by Law.

Qualifications & exceptions

• Stripe's right to change a tax rate is at its discretion.
• SMP does not handle taxes on products that fail the eligibility requirements.

Not stated here

• The eligibility requirements are in the Documentation, which is not in this text.

Charges & Financial Obligations · Restriction or exception

You pay other taxes from your sales, and Stripe may recoup any it becomes liable for from funds it owes you

The User is responsible for paying other Tax liabilities that arise from its sale of a Product through the Service. If Stripe becomes liable for any other Tax liabilities because of the User's use of the Service or these terms, excluding Taxes Stripe or SMP owes from charging Fees for the Service, the User authorizes Stripe to recoup the cost by deducting funds from amounts Stripe owes the User.

Supporting quotations

4.4 Responsibility for other Taxes.

User is responsible for payment of other Tax liabilities that arise from User’s sale of a Product via the Stripe Managed Payments Service. If Stripe becomes liable for any other Tax liabilities as a result of User’s use of Stripe Managed Payments Service or these Stripe Managed Payments Terms, excluding Tax liabilities owed by Stripe or SMP as a result of charging Fees for the Stripe Managed Payments Service, User authorizes Stripe to recoup the cost of other Tax liabilities by deducting funds from amounts Stripe owes to User.

Qualifications & exceptions

• Excludes Tax liabilities Stripe or SMP owes from charging Fees for the Service.

Charges & Financial Obligations · Restriction or exception

You agree to self-billing for your deemed supply to SMP, accept SMP's invoices and must not send your own

For Tax purposes only, the User agrees to a self-billing arrangement for its deemed provision of the Product to SMP in jurisdictions where Law permits it, as the Documentation outlines. Where permitted, the User accepts all self-billed invoices SMP issues on its behalf and must not issue its own invoices to SMP or its Affiliates for those deemed sales. The User remains responsible for determining whether self-billing is permitted in its jurisdiction. If it is not, the User must inform SMP immediately through Stripe support and may, if Law requires, issue compliant Tax invoices for the deemed sales.

Supporting quotations

4.5. Responsibility for Invoicing.

This Section 4.5 applies for Tax purposes only. User agrees to a self-billing arrangement for User’s deemed provision of the Product to SMP in the jurisdictions where such an arrangement is permitted by Law as outlined in the Documentation. Where permitted, User agrees to accept all self-billed invoices issued by SMP on User’s behalf and User must not issue its own invoices to SMP or its Affiliates for the deemed sales of Product to SMP. User remains responsible for determining whether self-billing is permitted in User’s jurisdiction. If self-billing is not permitted in User’s jurisdiction, User must inform SMP immediately by contacting [Stripe support](https://stripe.com/contact) and may, if required by Law, issue compliant Tax invoices for all deemed sales of Product to SMP or its Affiliates.

Qualifications & exceptions

• For Tax purposes only.
• Applies only in jurisdictions where Law permits self-billing.
• The User must tell SMP immediately if self-billing is not permitted.

Not stated here

• The jurisdictions where self-billing is permitted are listed in the Documentation, which is not in this text.

Charges & Financial Obligations · Restriction or exception

You must review self-billed invoices, report errors, and keep SMP told of your Indirect Tax registration

The User must review the self-billed invoices in its Stripe Dashboard and tell SMP of any errors through Stripe support. The User must give SMP its Indirect Tax registration number, such as a VAT or GST number, and must immediately tell SMP in writing if the number changes, if the User stops being registered for Indirect Tax in any jurisdiction, or if its Indirect Tax status otherwise changes. Failing to do so may invalidate the self-billed invoices.

Supporting quotations

User must review the self-billed invoices in User’s Stripe Dashboard and must notify SMP of any errors by contacting [Stripe support](https://stripe.com/contact).

User must provide SMP its Indirect Tax registration number (e.g., VAT/GST number). User must immediately inform SMP in writing if (a) User’s Indirect Tax registration number changes, (b) User ceases to be registered for Indirect Tax purposes in any jurisdiction, or (c) User’s Indirect Tax status is otherwise altered. Failure to do so may result in the invalidation of the self-billed invoices.

Qualifications & exceptions

• Changes must be reported immediately and in writing.
• Failure may invalidate the self-billed invoices.

Not stated here

• The terms set no deadline for reporting invoice errors.

Charges & Financial Obligations · User right or choice

You must supply the information for self-billed invoices and may opt out in writing, then invoice SMP yourself

The User is responsible for giving all the necessary and accurate information SMP needs to generate the self-billed invoices. The User may opt out of the self-billing arrangement by notifying Stripe in writing, and if it does it is responsible for providing SMP invoices for all deemed sales of the Product made to SMP.

Supporting quotations

User is responsible for providing all necessary and accurate information for SMP to generate the self-billed invoices. User may opt out of this self-billing arrangement by notifying Stripe in writing. If User opts out, then User is responsible for providing SMP invoices for all deemed sales of Product made by User to SMP.

Qualifications & exceptions

• Opting out requires written notice to Stripe.

Not stated here

• The terms do not say when an opt-out takes effect.

Charges & Financial Obligations · Company practice

Fees exclude Taxes; SMP may add or withhold Taxes on Fees and deduct them, unless you give an exemption certificate

Section 5 replaces section 7.3 (Taxes) of the General Terms, which is not part of this saved text. The Fees exclude all Taxes unless the Stripe Pricing Page or other documents expressly say otherwise. If Law requires SMP or its Affiliates to collect or withhold Taxes, they will do so as additional amounts to the Fees, deduct them from amounts owed to the User or charge the User if there are not enough such amounts, and pay them to the taxing authority. If the User is exempt or eligible for a reduced rate, it must give SMP a copy of the original qualifying certificate, and SMP will not deduct the Taxes the certificate covers. Failing to provide a valid VAT or GST identification number may lead to Taxes being assessed and deducted from the User's balance or invoiced.

Supporting quotations

5. Taxes on Fees.

(a) Taxes. This Section 5 (Taxes on Fees) replaces section 7.3 (Taxes) of the General Terms. The Fees exclude all Taxes, except as the Stripe Pricing Page or other documents expressly state to the contrary. If SMP or its Affiliates are required by Law to collect or withhold any Taxes, SMP or its Affiliates will collect or withhold such Taxes as additional amounts to the Fees and either deduct those Taxes from amounts otherwise owed to User or charge User for the additional Taxes if there are insufficient amounts owed to User from which to deduct the Taxes, and pay those Taxes to the appropriate taxing authority. If User is exempt from paying, or is otherwise eligible to pay a reduced rate on, those Taxes, User will provide to SMP a copy of the original certificate that satisfies applicable legal requirements attesting to User’s tax-exempt status or reduced rate eligibility, in which case SMP or its Affiliates will not deduct the Taxes that certificate covers. Failure to provide SMP a valid VAT or GST identification number may result in the assessment and applicability of Taxes, which will be deducted from User’s Stripe Account balance or Stripe may invoice User for those amounts.

Qualifications & exceptions

• Exemption needs the original certificate meeting legal requirements.
• A missing valid VAT or GST number can lead to Taxes being assessed.

Not stated here

• General Terms section 7.3, which this replaces, is not supplied here.

Charges & Financial Obligations · Context

Definitions: Acquiring Affiliates, Free Trial and Indirect Tax

Acquiring Affiliates are Stripe's Affiliates or Payment Method Acquirers identified in the Documentation that SMP may use, through the Stripe Payments Services, to acquire Transactions for the Service. A Free Trial is the provision of free digital goods or services, trial periods, samples or promotional services. Indirect Tax means applicable transaction taxes and duties imposed by a Governmental Authority, including sales and use tax, VAT and GST or equivalent transaction taxes.

Supporting quotations

“Acquiring Affiliates” means Stripe’s Affiliates or Payment Method Acquirers as identified in the Documentation which SMP may provide access to via the Stripe Payments Services to acquire Transactions in connection with the Stripe Managed Payments Service.

“Free Trial” means the provision of free digital goods and/or services, trial periods, samples, or promotional services.

“Indirect Tax” or “Indirect Taxes" means any applicable transaction taxes and duties imposed by any Governmental Authority, including sales and use tax, value-added tax (VAT), and goods and services tax (GST), or equivalent transaction taxes.

Qualifications & exceptions

• Indirect Tax uses “including”, so the listed taxes are examples.

Not stated here

• The Acquiring Affiliates are named in the Documentation, which is not in this text.

Charges & Financial Obligations · Procedure

Australia: your refund request is an instruction to Stripe Payment Australia Pty Ltd to start the refund

In Australia, in addition to the refund provisions of Section 3.3 (Refund Policy), if the Seller asks for a refund to be applied to a Transaction, that request is an instruction to Stripe Payment Australia Pty Ltd to start the process to refund the Transaction.

Supporting quotations

11.2 Refund Policy.

In addition to the provisions on Refunds in Section 3.3 (Refund Policy), if Seller requests a refund be applied to a Transaction, that request constitutes an instruction to Stripe Payment Australia Pty Ltd to initiate the process to refund the Transaction.

Qualifications & exceptions

• Adds to Section 3.3 rather than replacing it.

Charges & Financial Obligations · Restriction or exception

Australia: you do not bear payment method costs and liability that arise from Stripe's negligence, fraud or misconduct

In Australia, a clause is added to the beginning of Section 3.7 (Liability for Payment Methods): “Except to the extent the costs, fees, fines, charges or liability arises out of Stripe's negligence, fraud or willful misconduct,”. The pass-through of acquirer, provider and Card Network costs and liabilities to the User therefore does not apply to the extent they arise from Stripe's negligence, fraud or willful misconduct.

Supporting quotations

11.3 Liability for Payment Methods.

In addition to the provisions on liability for Payment Methods in Section 3.7 (Liability for Payment Methods), the following clause is added to the beginning of Section 3.7: “Except to the extent the costs, fees, fines, charges or liability arises out of Stripe’s negligence, fraud or willful misconduct,”

Qualifications & exceptions

• The carve-out is limited to the extent the cost or liability arises from Stripe's negligence, fraud or willful misconduct.

Charges & Financial Obligations · Company practice

Australia: SMP collects and remits GST on your digital service sales to Australian customers

To the extent the User is established in Australia, the User agrees that SMP, as an electronic distribution platform under Australian GST Law, is responsible for collecting and remitting GST under s84-60 of the Australian GST Act on the User's sales of digital services to its customers in Australia.

Supporting quotations

11.6 Tax.

To the extent that User is established in Australia, User agrees, by way of entering into these Stripe Managed Payments Terms, that SMP, as an electronic distribution platform under Australian GST Law, will be responsible for collecting and remitting GST, under s84-60 of the Australian GST Act, on User’s sales of digital services to User’s customers in Australia.

Qualifications & exceptions

• Applies to Users established in Australia and sales of digital services to customers in Australia.

Charges & Financial Obligations · Restriction or exception

Australia: you must not charge GST separately on SMP sales and remain responsible for GST outside the platform

The User must not charge or account for GST separately on Products provided through SMP to Australia-based Customers. The User remains responsible for GST on any supplies made outside the SMP platform and for its own compliance obligations under the Australian GST Act generally.

Supporting quotations

User must not charge or account for GST separately on the Products provided via SMP to User’s Australia-based Customers. User remains responsible for GST on any supplies made outside of the SMP platform, and for the User’s own compliance obligations under the Australian GST Act generally.

Qualifications & exceptions

• The ban on separate GST applies to Products provided through SMP to Australia-based Customers.

Charges & Financial Obligations · Company practice

Canada: all retail payment activities are provided solely by Stripe Payments Canada, Ltd., an RPAA-registered provider

For Canada, all retail payment activities, as defined under the Retail Payment Activities Act (Canada) (RPAA), are provided solely by Stripe Payments Canada, Ltd., which is registered as a payment service provider under the RPAA.

Supporting quotations

Canada.

11.1 Retail Payment Activities.

All retail payment activities, as defined under the Retail Payment Activities Act (Canada) ("RPAA") are provided solely by Stripe Payments Canada, Ltd., which is registered as a payment service provider under the RPAA.

Qualifications & exceptions

• Covers retail payment activities as the RPAA defines them.

Not stated here

• The RPAA is an external law and is not supplied.

Charges & Financial Obligations · Company practice

New Zealand: Stripe New Zealand Limited is the registered financial service provider and AML reporting entity

In New Zealand, Stripe New Zealand Limited is the registered financial service provider and AML reporting entity responsible for providing financial services connected with the Managed Payments Service, including managing the relevant means of payment and transferring and settling funds to the Seller, in line with these terms.

Supporting quotations

(b) Stripe New Zealand Limited is the registered financial service provider and AML reporting entity responsible for the provision of financial services in connection with the Stripe Managed Payments Service in New Zealand, including managing the relevant means of payment, and transferring and settling funds to the Seller, in accordance with these Stripe Managed Payments Terms.

Qualifications & exceptions

• Responsibility is for financial services connected with the Service in New Zealand.

Charges & Financial Obligations · Restriction or exception

New Zealand: you do not bear payment method costs and liability that arise from Stripe's negligence, fraud or misconduct

In New Zealand, a clause is added to the beginning of Section 3.7 (Liability for Payment Methods): “Except to the extent the costs, fees, fines, charges or liability arises out of Stripe's negligence, fraud or willful misconduct,”. The pass-through of acquirer, provider and Card Network costs and liabilities to the User therefore does not apply to the extent they arise from Stripe's negligence, fraud or willful misconduct.

Supporting quotations

11.2 Liability for Payment Methods.

In addition to the provisions on liability for Payment Methods in Section 3.7 (Liability for Payment Methods), the following clause is added to the beginning of Section 3.7: “Except to the extent the costs, fees, fines, charges or liability arises out of Stripe’s negligence, fraud or willful misconduct,”

Qualifications & exceptions

• The carve-out is limited to the extent the cost or liability arises from Stripe's negligence, fraud or willful misconduct.

Charges & Financial Obligations · Procedure

New Zealand: your refund request is an instruction to Stripe New Zealand Limited to start the refund

In New Zealand, in addition to the refund provisions of Section 3.3 (Refund Policy), if the Seller asks for a refund to be applied to a Transaction, that request is an instruction to Stripe New Zealand Limited to start the process to refund the Transaction.

Supporting quotations

11.5 Refund Policy.

In addition to the provisions on Refunds in Section 3.3 (Refund Policy), if Seller requests a refund be applied to a Transaction, that request constitutes an instruction to Stripe New Zealand Limited to initiate the process to refund the Transaction.

Qualifications & exceptions

• Adds to Section 3.3 rather than replacing it.

Charges & Financial Obligations · Context

United States: Section 2.2 (pooled accounts) is deleted and replaced for US Users

The United States Regional Terms apply to Users in the United States. They amend the Managed Payments Terms by deleting Section 2.2 (Provision of Services by Stripe to SMP; Pooled Accounts) and replacing it with new wording, which begins with the section heading and continues in the next section of the document.

Supporting quotations

United States.

The following Regional Terms apply to Users in the United States.

Section 2.2 of the Stripe Managed Payments Terms is deleted and replaced with the following:

2.2 Provision of Services by Stripe to SMP; Pooled Accounts.

Qualifications & exceptions

• Applies only to Users in the United States.

Not stated here

• The replacement wording follows in the next part of the document and is not covered by this card.

Charges & Financial Obligations · Company practice

United States: you appoint SMP as your agent for funds, and settlement funds are pooled with other users' funds

For US Users, the replacement Section 2.2 says SMP may provide access to Stripe Payment Services to facilitate the User's sales, and the User appoints SMP as its agent for the limited purpose of directing, receiving, holding and settling funds. All settlement funds Stripe, SMP or Acquiring Affiliates receive for Transactions are combined with other users' settlement funds and held in one or more Pooled Accounts at one or more Financial Providers. A Pooled Account is a pooled account to which Transaction settlement funds are credited.

Supporting quotations

2.2 Provision of Services by Stripe to SMP; Pooled Accounts.

SMP may provide access to the Stripe Payment Services in order to facilitate User’s sale of Products to Customers. User appoints SMP as User’s agent for the limited purpose of directing, receiving, holding and settling funds under this Agreement. All settlement funds that Stripe, SMP, or Acquiring Affiliates, as applicable, receive for Transactions are combined with settlement funds for other users and held in one or more Pooled Accounts at one or more Financial Providers.

“Pooled Account” means a pooled account to which Transaction settlement funds are credited.

Qualifications & exceptions

• The agency is limited to directing, receiving, holding and settling funds.

Not stated here

• The terms do not name the Financial Providers.

Charges & Financial Obligations · Company practice

United States: after an Acquiring Affiliate gets the funds the Customer owes nothing; recourse is to Stripe, SMP or SPC

For US Users, once an Acquiring Affiliate receives funds for a Transaction, the Customer has no further obligation to pay the User for it, whether or not and whenever Stripe or its Affiliate settles the funds. If Stripe, SMP or SPC (as applicable) does not settle funds due to the User, the User has recourse only against Stripe, SMP or SPC and not the Customer. Stripe or SMP will promptly update the User's Stripe Account balance to reflect processed Transactions. Compared with the base clause, the US version adds SPC as a party the User can look to. Acquiring Affiliates are Stripe's Affiliates or Payment Method Acquirers identified in the Documentation that SMP may use to acquire Transactions.

Supporting quotations

Once an Acquiring Affiliate receives funds for a Transaction, the relevant Customer has no further obligation to make payments to User with respect to that Transaction, regardless of whether and when Stripe or its Affiliate (as applicable) settles those funds to User. If Stripe, SMP or SPC (as applicable) does not settle funds due to User under this Agreement, User will have recourse only against Stripe, SMP or SPC (as applicable) and not the relevant Customer. Stripe or SMP (as applicable) will promptly update User’s Stripe Account balance to reflect processed Transactions.

“Acquiring Affiliates” means Stripe’s Affiliates or Payment Method Acquirers as identified in the Documentation which SMP may provide access to via the Stripe Payments Services to acquire Transactions in connection with the Stripe Managed Payments Service.

Qualifications & exceptions

• The Customer's discharge does not depend on whether Stripe has settled the funds to the User.
• Balance updates are promised promptly, not by a fixed deadline.

Not stated here

• SPC is not defined in this saved text for this section; the Acquiring Affiliates are identified in the Documentation, which is not supplied.

Cross-references

• contrast (model-proposed): Once an Acquiring Affiliate has the funds the Customer owes you nothing more; recourse is against Stripe or SMP — contrast: The United States replacement of Section 2.2 adds SPC as a party the User can look to for unsettled funds, where the base clause names only Stripe or SMP.

Charges & Financial Obligations · Restriction or exception

United States: SMP's receipts bind you, Stripe may invest pooled funds, and you have no rights to the pool

For US Users, a receipt SMP gives a Customer as the User's agent is binding on the User. Stripe and its Affiliates may invest funds held in a Pooled Account as described in the General Terms. The User has no rights to any Pooled Account or to earnings its funds generate, and is not entitled to draw funds from any Pooled Account.

Supporting quotations

If, in the capacity as User’s agent, SMP provides a receipt for a Transaction to the applicable Customer, that receipt is binding on User.

Stripe and its Affiliates (as applicable) may invest funds held in a Pooled Account as described in the General Terms. User has no rights to any Pooled Account, or earnings generated by funds held in any Pooled Account, and is not entitled to draw funds from any Pooled Account.

Qualifications & exceptions

• Receipts bind the User only where SMP provides them as the User's agent.
• Investment is as the General Terms describe.

Not stated here

• The General Terms' investment rules are not repeated here.

Charges & Financial Obligations · Context

Next-Day Settlement Terms add to the General and Financial Services Terms (last modified September 28, 2026)

These Next-Day Settlement Terms, last modified September 28, 2026, supplement the General Terms and the Stripe Financial Services Terms and govern the User's use of the Next-Day Settlement Services. Capitalized terms not defined here take their meaning from those two sets of terms.

Supporting quotations

Last modified: September 28, 2026

These terms (“Next-Day Settlement Terms”) supplement the General Terms and the Stripe Financial Services Terms and govern User’s use of the Next-Day Settlement Services. Capitalized terms that are not defined in these Next-Day Settlement Terms have the meanings given to them in the General Terms or the Stripe Financial Services Terms.

Charges & Financial Obligations · Company commitment

Funds are made available within one business day net of Refunds, Disputes and amounts owed, unless delayed or withheld

Stripe will make Next-Day Settlement Transaction funds available to the User in an eligible Stripe Account, net of Refunds, Disputes, Reversals and other amounts owed to Stripe, within the Next-Day Settlement Period, which is one business day from successful capture. This does not apply if a Next-Day Settlement Delay occurs or Stripe exercises a right under the Agreement to withhold or delay the transfer.

Supporting quotations

2. Next-Day Settlement Timing.

Stripe will make Next-Day Settlement Transaction funds available to User in an eligible Stripe Account, net of Refunds, Disputes, Reversals and other amounts owed to Stripe within the Next-Day Settlement Period, unless a Next-Day Settlement Delay occurs, or Stripe exercises a right under the Agreement to withhold or delay the transfer.

“Next-Day Settlement Period” means the period of one business day from the date of the successful capture of the Next-Day Settlement Transaction.

Qualifications & exceptions

• Funds are net of Refunds, Disputes, Reversals and other amounts owed to Stripe.
• The commitment does not apply during a Next-Day Settlement Delay or where Stripe exercises a right to withhold or delay.

Charges & Financial Obligations · Restriction or exception

The service is available only for enabled payment methods, Stripe-designated currencies and enabled Stripe Accounts

The Next-Day Settlement Services are available only for (a) Next-Day Settlement Payment Methods, meaning Payment Methods Stripe has enabled for the User's use of the services, (b) currencies Stripe designates in the Documentation, and (c) eligible Stripe Accounts that Stripe has enabled for the services.

Supporting quotations

3. Next-Day Settlement Conditions.

The Next-Day Settlement Services are only available for: (a) Next-Day Settlement Payment Methods; (b) currencies designated by Stripe in the Documentation; and (c) eligible Stripe Accounts that Stripe has enabled for use of the Next-Day Settlement Services.

“Next-Day Settlement Payment Method” means a Payment Method that Stripe has enabled for User’s use of the Next-Day Settlement Services.

Qualifications & exceptions

• All three conditions must hold.

Not stated here

• The designated currencies are listed in the Documentation, which is not in this text.

Charges & Financial Obligations · Permission or license

Stripe may extend settlement for all International Transactions once they exceed 10% of your average daily volume

This applies only if Stripe has enabled the User to make International Transactions. If International Transactions on a day exceed 10% of the average daily Transaction volume Stripe processes for the User over the trailing four weeks, Stripe may extend the settlement period for all International Transactions to the default Payout Schedule for the Territory and Next-Day Settlement Payment Method, until the average daily volume over the trailing four weeks falls below that threshold. An International Transaction is one where the charge is presented in a different currency from the Territory's default currency.

Supporting quotations

4. International Transactions.

This section applies only if Stripe has enabled User to make International Transactions. If International Transactions on a given day exceed 10% of the average daily Transaction volume Stripe processes for User as measured during the trailing four-week period, Stripe may extend the Next-Day Settlement Period for all International Transactions to the default Payout Schedule for the applicable Territory and Next-Day Settlement Payment Method until the average daily Transaction volume processed for User during the trailing four-week period falls below that threshold.

“International Transaction” means a Transaction Stripe processes for User in which the charge is presented in a different currency to the default currency of the Territory.

Qualifications & exceptions

• Applies only if Stripe has enabled International Transactions for the User.
• The extension covers all International Transactions, not only the excess.

Not stated here

• The terms do not say how the 10% test relates to the day's volume when volumes are measured, or how soon Stripe applies an extension.

Charges & Financial Obligations · Restriction or exception

Next-Day Settlement Delays include outages, wrong details, fraud screening, Financial Provider failure and bank limits

A Next-Day Settlement Delay is a delay to a Next-Day Settlement caused by (a) unavailability of a Financial Provider, Governmental Authority, telecommunications provider or internet service provider; (b) incorrect information, such as a bank account number, given to Stripe; (c) the User's equipment, software or technology; (d) a Force Majeure Event; (e) fraud or sanction screening required or requested by Stripe, its Financial Providers or recipient banks; (f) a Financial Provider's delay or failure to settle to Stripe, including from default, insolvency or bankruptcy; or (g) the recipient bank not being directly integrated with Stripe's clearing system, or the type of account not being supported, such as savings, money market, investment, multi-currency, foreign or correspondent accounts.

Supporting quotations

“Next-Day Settlement Delay” means a delay to a Next-Day Settlement caused by: (a) the unavailability of a Financial Provider, Governmental Authority, telecommunications provider, or internet service provider; (b) incorrect information, such as a bank account number, provided to Stripe; (c) User’s equipment, software, or other technology; (d) a Force Majeure Event; (e) fraud or sanction screening as required or requested by Stripe, its Financial Providers, or recipient banks; (f) a delay or failure of a Financial Provider to settle a Transaction to Stripe, including as a result of a Financial Provider’s default, insolvency, or bankruptcy; or (g) the recipient bank not being directly integrated with the clearing system used by Stripe or the type of recipient bank account not being supported by Stripe (e.g., a savings account, money market or investment account, multi-currency account, or foreign or correspondent account).

Qualifications & exceptions

• During a delay the one-business-day timing does not apply.

Not stated here

• The terms do not say how long a delay may last.

Charges & Financial Obligations · Context

Definitions: Next-Day Settlement, Services, Transaction, Payment Method and Territory

Next-Day Settlement is settlement of Next-Day Settlement Transaction funds to an eligible Stripe Account within one business day, and the Next-Day Settlement Services are the Services that let the User do that. A Next-Day Settlement Transaction is a transaction request on a Next-Day Settlement Payment Method, started through the Stripe Technology, by which Stripe is directed to capture funds for or from a payer's account for a payment from a Customer to the User, and it includes the authorization, settlement and any Disputes, Refunds and Reversals. Territory means the location of the User's Stripe Account or Accounts.

Supporting quotations

“Next-Day Settlement” means the settlement of Next-Day Settlement Transaction funds to an eligible Stripe Account within one business day.

“Next-Day Settlement Services” means the Services that enable User to make a Next-Day Settlement.

“Next-Day Settlement Transaction” means a Next-Day Settlement Payment Method transaction request initiated via the Stripe Technology through which Stripe is directed to capture funds for or from a payer’s associated account with respect to a payment from a Customer to User, and includes the authorization, settlement, and if applicable, Disputes, Refunds, and Reversals with respect to that Next-Day Settlement Payment Method transaction request.

“Territory” means the location of User’s Stripe Account(s).

Charges & Financial Obligations · Restriction or exception

Custom Payment Methods must be shown as selected and any Stripe flags as prohibited must be removed at once

For Custom Payment Methods, the User must (i) make sure its Customers are shown the Custom Payment Method they select, and (ii) immediately remove any Custom Payment Method Stripe tells it is prohibited. 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 with the Orchestrated Services as the Documentation describes.

Supporting quotations

(b) Custom Payment Methods. User must:

(i) ensure that User’s Customers are presented with the Custom Payment Method they select; and

(ii) immediately remove any Custom Payment Method that Stripe notifies User is prohibited.

“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

• Removal must be immediate once Stripe notifies the User.

Not stated here

• Which Custom Payment Methods are prohibited is for Stripe to notify; no list is given here.

Charges & Financial Obligations · Restriction or exception

Stripe disclaims responsibility for disputes, refunds, fraud losses, funds movement and authentication choices

Stripe disclaims all responsibility and liability for (f) disputes, refunds, reversals and any other losses on Orchestrated Transactions, including losses from fraud; (g) any movement of funds related to Orchestrated Transactions; and (h) deciding whether Customer authentication is required for an Orchestrated Transaction under Law or Card Network requirements and, if so, which method to use.

Supporting quotations

6. Disclaimers.

Stripe disclaims all responsibility and liability for:

(f) disputes, refunds, reversals, and any other losses on Orchestrated Transactions, including losses due to fraud;

(g) any movement of funds related to Orchestrated Transactions;

(h) determining whether Customer authentication is required for any Orchestrated Transaction under Law or Card Network requirements, and if so, which authentication method to apply;

Qualifications & exceptions

• Covers losses from fraud on Orchestrated Transactions.

Charges & Financial Obligations · Company practice

The fees are stated in the Order Form, the Data Sheet and on the Stripe Website

The fees for the Professional Services are described on the Professional Services Order Form, the Professional Services Data Sheet and the Stripe Website. The fees are the amounts the Order Form states, and the terms themselves do not give amounts.

Supporting quotations

3. Fees and Expenses.

3.1 Professional Services Fees and Expenses.

The fees for Stripe Professional Services are described on the Professional Services Order Form, Professional Services Data Sheet and Stripe Website.

“Professional Services Fees” means the fees for the Stripe Professional Services stated in a Professional Services Order Form.

Qualifications & exceptions

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

Not stated here

• Fee amounts are not in this saved text.

Charges & Financial Obligations · Restriction or exception

You must pay the fees and approved expenses and bear the consequences if you are slow to approve expenses

The User must pay the Professional Services Fees and all approved Professional Services Expenses, which are costs Stripe and its subcontractors incur delivering the services. Stripe will seek the User's approval before Stripe or its subcontractors incur expenses, including before required travel. If the User does not promptly approve expenses, Stripe's ability to provide the services may be adversely affected and the User is responsible for the consequences, including delays or termination of the services.

Supporting quotations

3.2 Liability for Fees and Expenses.

User must pay the Professional Services Fees, and all approved Professional Services Expenses. Stripe will seek User’s approval for Professional Services Expenses before Stripe or its subcontractors incur them, including prior to making any required travel. If User does not promptly approve Professional Services Expenses, Stripe’s ability to provide the Stripe Professional Services may be adversely impacted and User is responsible for any consequences, including delays or termination of the Stripe Professional Services.

“Professional Services Expenses” means costs and expenses Stripe and its subcontractors incur in connection with the delivery of the Stripe Professional Services.

Qualifications & exceptions

• Expenses are payable only once approved.
• Slow approval can lead to delay or termination, for which the User is responsible.

Charges & Financial Obligations · Restriction or exception

Fees and expenses are payable in full and non-refundable even if you stop early or the Order Form ends early

Stripe will collect the Professional Services Fees and Expenses as the General Terms describe. They are payable in full and are non-refundable regardless of whether (a) the User asks Stripe to stop before the services are fully delivered, (b) Stripe cannot provide the services because the User did not meet its obligations, or (c) the Order Form is terminated before full delivery for a reason other than Stripe's uncured material breach.

Supporting quotations

3.3 Collection of Fees and Expenses.

Stripe will collect Professional Services Fees and Professional Services Expenses as described in the General Terms. The Professional Services Fees and Professional Services Expenses are payable by User in full and are non-refundable, regardless of whether: (a) User requests that Stripe stop providing the Stripe Professional Services before they are delivered in full; (b) Stripe is unable to provide the Stripe Professional Services due to User's failure to fulfill User's obligations under this Agreement; or (c) the Professional Services Order Form is terminated before the Stripe Professional Services are fully delivered for a reason other than Stripe’s uncured material breach.

Qualifications & exceptions

• The only stated route out is Stripe's uncured material breach of the Order Form.

Charges & Financial Obligations · Context

Definitions: Professional Services Data Sheet, Order Form, Fees and Expenses

The Professional Services Data Sheet is the document the Order Form references with a detailed description of the services. The Order Form is an order form or statement of work for the services signed between the User and Stripe. Professional Services Fees are the fees stated in an Order Form. Professional Services Expenses are costs and expenses Stripe and its subcontractors incur delivering the services.

Supporting quotations

“Professional Services Data Sheet” means the document referenced in the Professional Services Order Form containing a detailed description of the Stripe Professional Services.

“Professional Services Order Form” means an order form or statement of work for Stripe Professional Services executed between User and Stripe.

“Professional Services Fees” means the fees for the Stripe Professional Services stated in a Professional Services Order Form.

“Professional Services Expenses” means costs and expenses Stripe and its subcontractors incur in connection with the delivery of the Stripe Professional Services.

Charges & Financial Obligations · Context

Revenue Recognition Terms add to the General Terms (last modified November 18, 2025)

These RevRec Terms, last modified November 18, 2025, supplement the General Terms and govern the use of the Stripe Revenue Recognition Services and RevRec Data. Capitalized terms not defined here take their General Terms meaning. The Services automate revenue recognition and reporting, and RevRec Data is data the Services generate, organize or otherwise analyze.

Supporting quotations

Last modified: November 18, 2025

These terms (“RevRec Terms”) supplement the General Terms and govern the use of the Stripe Revenue Recognition Services and RevRec Data. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms.

“RevRec Data” means data generated by, organized by or otherwise analyzed by Stripe Revenue Recognition Services.

“Stripe Revenue Recognition Services” means Services that enable a User to automate revenue recognition and reporting.

Charges & Financial Obligations · Restriction or exception

You are solely responsible for configuring the service and for the accuracy and legality of RevRec Data

The User is responsible for configuring the Revenue Recognition Services for its needs and to comply with Law. It is solely responsible for the accuracy, quality and legality of RevRec Data, including deciding whether the data is accurate, meets relevant standards or regulations, or is otherwise enough for its purposes. The User must not, and must make sure its Connected Accounts (if applicable) do not, use the Services in connection with Protected Health Information.

Supporting quotations

2. Use of the RevRec Services.

User is responsible for configuring Stripe Revenue Recognition Services for its needs and to comply with Law. User is solely responsible for the accuracy, quality, and legality of RevRec Data, including determining whether the RevRec Data is accurate, compliant with relevant standards or regulations, or otherwise sufficient for User’s purposes. User must not, and must ensure that its Connected Accounts (if applicable) do not, use the Stripe Revenue Recognition Services in connection with Protected Health Information.

Qualifications & exceptions

• The Protected Health Information ban extends to the User's Connected Accounts, if applicable.

Not stated here

• Protected Health Information is not defined in this document.

Charges & Financial Obligations · Context

Stablecoin Treasury Terms add to the General and Financial Services Terms; Preview Services (modified Sept. 28, 2026)

These Stripe Stablecoin Treasury Terms, last modified September 28, 2026, supplement the General Terms and, together with the Stripe Financial Services Terms, which they incorporate by reference, govern the User's use of the Stripe Stablecoin Treasury Services (formerly Stablecoin Financial Accounts). Capitalized terms not defined here take their meaning from those two sets of terms. The services are Preview Services.

Supporting quotations

Stripe Stablecoin Treasury (formerly Stablecoin Financial Accounts) (Preview)

Last modified: September 28, 2026

These terms ("Stripe Stablecoin Treasury Terms") supplement the General Terms and, together with the Stripe Financial Services Terms which are incorporated into these Stripe Stablecoin Treasury Terms by this reference, govern User's use of the Stripe Stablecoin Treasury Services. Capitalized terms that are not defined in these Stripe Stablecoin Treasury Terms have the same meanings given to them in the General Terms or the Stripe Financial Services Terms. The Stripe Stablecoin Treasury Services are Preview Services.

Qualifications & exceptions

• The services are Preview Services.

Not stated here

• What Preview status changes for the User is set by other parts of the General Terms.

Charges & Financial Obligations · Company practice

The service lets you hold funds with the Stablecoin Partner; Stripe does not convert, hold or transfer Stablecoin

The Stripe Stablecoin Treasury Services let the User hold funds with the Stablecoin Partner and access and use the Stablecoin Partner Services. Stripe does not convert, hold custody of or transfer any Stablecoin as part of its services. They are the user interface, data transmission, user support and related technology services that let the User reach the Stablecoin Partner Services. Because they require the Stablecoin Partner Services to be performed, the User's use of Stripe's services is also its simultaneous access to and use of the Stablecoin Partner Services.

Supporting quotations

2. Stablecoin Treasury Services.

2.1 Overview; Stripe's Rights and Obligations.

The Stripe Stablecoin Treasury Services enable User to hold funds with the Stablecoin Partner, and access and use the Stablecoin Partner Services. Stripe does not convert, hold custody of, or transfer any Stablecoin as a component of the Stripe Stablecoin Treasury Services.

Because the Stripe Stablecoin Treasury Services necessarily involve and require the performance of Stablecoin Partner Services, User's use of the Stripe Stablecoin Treasury Services constitutes User's simultaneous access to and use of the Stablecoin Partner Services.

"Stripe Stablecoin Treasury Services" means the user interface, data transmission, user support, and related technology services that enable User to access and use the Stablecoin Partner Services.

Qualifications & exceptions

• Stripe's role is the interface and related technology services, not custody or conversion.
• Using Stripe's services counts as using the Stablecoin Partner Services at the same time.

Charges & Financial Obligations · Restriction or exception

The Stablecoin Partner is a Financial Provider, you are bound by its terms, and Stripe may add or remove partners

The Stablecoin Partner is a Financial Provider, and the Stablecoin Partner Terms, which govern its rights and obligations in carrying out the User's Stablecoin Partner Transactions, are Financial Provider Terms. By using the services the User agrees to be bound by the applicable Stablecoin Partner Terms as well as these terms. Stripe will identify the applicable Stablecoin Partner during onboarding and may add or remove Stablecoin Partners in its sole discretion.

Supporting quotations

2.2 Stablecoin Partner.

The Stablecoin Partner is a Financial Provider, and the Stablecoin Partner Terms, which govern the Stablecoin Partner's rights and obligations with respect to performing User's Stablecoin Partner Transactions, are Financial Provider Terms. By using the Stripe Stablecoin Treasury Services, User agrees to be bound by the applicable Stablecoin Partner Terms in addition to these Stripe Stablecoin Treasury Terms. Stripe will identify the applicable Stablecoin Partner to User during the onboarding process for the Stripe Stablecoin Treasury Services, and Stripe may add or remove Stablecoin Partners in its sole discretion.

Qualifications & exceptions

• Stripe may change partners in its sole discretion.

Not stated here

• The Stablecoin Partner Terms are not part of this saved text.

Charges & Financial Obligations · Permission or license

After a Depeg Event, Stripe and the Partner may immediately suspend, or continue at the prevailing market exchange rate

If a Depeg Event occurs, Stripe and the Stablecoin Partner may immediately (a) suspend the services for the affected Stablecoin, including new exchanges of fiat for that Stablecoin, or (b) continue providing the services for it at its prevailing Stablecoin-to-fiat market exchange rate. A Depeg Event is any occurrence where Stripe or the Partner determines, in its sole discretion, that a Stablecoin's price has failed to keep its intended peg to the fiat value it is linked to.

Supporting quotations

2.4 Depeg Event.

If a Depeg Event occurs, Stripe and the Stablecoin Partner may immediately (a) suspend the Stripe Stablecoin Treasury Services with respect to the affected Stablecoin, including suspending any new exchanges of fiat currency for the affected Stablecoin; or (b) continue providing the Stripe Stablecoin Treasury Services with respect to the affected Stablecoin at its prevailing Stablecoin-to-fiat market exchange rate.

“Depeg Event” means any occurrence where Stripe or the Stablecoin Partner determines, in its sole discretion, that the price of a Stablecoin has failed to maintain its intended peg to the fiat value to which it is linked.

Qualifications & exceptions

• Whether a Depeg Event has happened is decided by Stripe or the Partner in its sole discretion.
• Action can be immediate.

Charges & Financial Obligations · Restriction or exception

Stablecoin transactions may be taxed, and Stripe does not assess, collect, report or remit your Taxes or give advice

Transactions in Stablecoin may be subject to Taxes. The User acknowledges that tax Laws for Stablecoin transactions may be uncertain and evolving, and that it is not Stripe's responsibility to assess, collect, report or remit Taxes the User owes from (a) using the Stablecoin Treasury Services, (b) using the Stablecoin Partner Services, or (c) any other transactions with a Stablecoin Partner. Stripe does not provide investment or tax advice.

Supporting quotations

3. Taxes.

Transactions in Stablecoin may be subject to Taxes. User acknowledges that tax Laws applicable to Stablecoin transactions may be uncertain and evolving, and that it is not Stripe's responsibility to assess, collect, report, or remit any Taxes owed by User arising from: (a) the use of the Stripe Stablecoin Treasury Services; (b) the use of the Stablecoin Partner Services; or (c) any other transactions User may enter into with a Stablecoin Partner. Stripe does not provide investment or tax advice.

Qualifications & exceptions

• Tax law for Stablecoin transactions is described as uncertain and evolving.

Charges & Financial Obligations · Context

Definitions: Stablecoin (fiat-backed cryptocurrency a Partner supports) and Depeg Event

A Stablecoin is any fiat-backed cryptocurrency supported by a Stablecoin Partner, which may be updated from time to time as the Stablecoin Partner Terms and the Documentation state. A Depeg Event is any occurrence where Stripe or the Stablecoin Partner determines, in its sole discretion, that a Stablecoin's price has failed to maintain its intended peg to the fiat value it is linked to.

Supporting quotations

5. Definitions.

"Stablecoin" means any fiat-backed cryptocurrency supported by a Stablecoin Partner, which may be updated from time to time as stated in the applicable Stablecoin Partner Terms and the Documentation.

“Depeg Event” means any occurrence where Stripe or the Stablecoin Partner determines, in its sole discretion, that the price of a Stablecoin has failed to maintain its intended peg to the fiat value to which it is linked.

“Depeg Event” means any occurrence where Stripe or the Stablecoin Partner determines, in its sole discretion, that the price of a Stablecoin has failed to maintain its intended peg to the fiat value to which it is linked.

Qualifications & exceptions

• The list of supported Stablecoins can change over time.
• A Depeg Event turns on Stripe's or the Partner's own determination.

Not stated here

• The supported Stablecoins are not listed here.

Charges & Financial Obligations · Context

Definitions: Stablecoin Partner, Partner Services, Partner Terms, Partner Transaction and Stablecoin Treasury Services

A Stablecoin Partner is an entity, which may be a Stripe Affiliate or a third party, that provides Stablecoin-related services to the User, including exchange, custody, transmission or payout of Stablecoin, under the Stablecoin Partner Terms. Stablecoin Partner Services may include creating and maintaining accounts and wallet addresses for the User, exchanging Stablecoins and fiat, custody, transmission or payout of Stablecoins to designated wallets, and other Stablecoin-related services the Partner offers from time to time. Stablecoin Partner Terms are the terms that govern the Partner's provision of those services and the User's use of them, and they may be updated from time to time. A Stablecoin Partner Transaction is a Stablecoin or fiat transmission, exchange, custody or other transaction requested or executed through the Partner Services. The Stripe Stablecoin Treasury Services are the user interface, data transmission, user support and related technology services that let the User reach the Partner Services.

Supporting quotations

"Stablecoin Partner" means an entity, which may be a Stripe Affiliate or a third party, that provides Stablecoin-related services to User, including the exchange, custody, transmission, or payout of Stablecoin, under the applicable Stablecoin Partner Terms.

"Stablecoin Partner Services" means any services provided by a Stablecoin Partner to User in connection with Stripe's Stablecoin-related Services, which may include: (a) the creation and maintenance of accounts and associated wallet addresses for User; (b) the exchange or conversion of Stablecoins to fiat currency and vice versa; (c) the custody of Stablecoins; (d) the transmission or payout of Stablecoins to designated wallet addresses; and (e) such other Stablecoin-related services as the Stablecoin Partner may offer from time to time, as described in the applicable Stablecoin Partner Terms.

"Stablecoin Partner Terms" means the terms that govern the Stablecoin Partner's provision, and User's access to and use of, the Stablecoin Partner Services, and which may be updated from time to time.

“Stablecoin Partner Transaction” means a Stablecoin or fiat currency transmission, exchange, custody, or other transaction that is requested or executed via the Stablecoin Partner Services.

"Stripe Stablecoin Treasury Services" means the user interface, data transmission, user support, and related technology services that enable User to access and use the Stablecoin Partner Services.

Qualifications & exceptions

• The Partner Terms and the range of Partner Services can change over time.

Not stated here

• The Partner Terms are not part of this saved text.

Charges & Financial Obligations · Company practice

United States: Bridge Building Inc is the Stablecoin Partner, and its Bridge terms are the Partner Terms

For Users in the United States, Bridge Building Inc is the Stablecoin Partner that provides Stablecoin Partner Services. The Bridge terms on or accessible from the Stablecoin Partner Terms section of the Stripe Legal Page are the Stablecoin Partner Terms that apply to Users in the United States.

Supporting quotations

United States.

The following Regional Terms apply for Users in the United States.

6.1 Stablecoin Partner.

Bridge Building Inc is the Stablecoin Partner that provides Stablecoin Partner Services in the United States. The Bridge terms located on or accessible from the Stablecoin Partner Terms section of the Stripe Legal Page are the Stablecoin Partner Terms applicable to Users in the United States.

Qualifications & exceptions

• Applies to Users in the United States.

Not stated here

• The Bridge terms are linked from the Stripe Legal Page and are not supplied here.

Charges & Financial Obligations · Company practice

Outside the US, UK and EEA: Bridge Building Limited is the Stablecoin Partner and its Bridge terms apply

The Regional Terms for countries outside the United States, United Kingdom and European Economic Area prevail over the Stablecoin Treasury Terms in a conflict. For Users there, Bridge Building Limited is the Stablecoin Partner that provides Stablecoin Partner Services, and the Bridge terms on or accessible from the Stablecoin Partner Terms section of the Stripe Legal Page are the Stablecoin Partner Terms that apply.

Supporting quotations

Territories Outside the United States.

The following Regional Terms apply for countries that are outside the United States, United Kingdom, and European Economic Area. If there is a conflict between the Stripe Stablecoin Treasury Terms and the Regional Terms, the Regional Terms prevail.

6.1 Stablecoin Partner.

Bridge Building Limited is the Stablecoin Partner that provides Stablecoin Partner Services outside the United States, European Economic Area, and United Kingdom. The Bridge terms located on or accessible from the Stablecoin Partner Terms section of the Stripe Legal Page are the Stablecoin Partner Terms applicable to Users outside the United States, European Economic Area, and United Kingdom.

Qualifications & exceptions

• Applies to countries outside the United States, United Kingdom and European Economic Area.

Not stated here

• The Bridge terms are linked from the Stripe Legal Page and are not supplied here.

Charges & Financial Obligations · Context

Stripe Tax Terms add to the General Terms (last modified September 28, 2026)

These Stripe Tax Terms, last modified September 28, 2026, supplement the General Terms and govern the use of the Stripe Tax Services. Capitalized terms not defined here take their General Terms meaning. The Stripe Tax Services are the Services and Partner Services on indirect taxes that Stripe makes available, including Tax Registration, Validation, Calculation and Filing Services.

Supporting quotations

Last modified: September 28, 2026

These terms (“Stripe Tax Terms”) supplement the General Terms and govern the use of the Stripe Tax Services. Capitalized terms that are not defined in these Stripe Tax Terms have the same meanings given to them in the General Terms.

“Stripe Tax Services” means the Services and Partner Services relating to indirect taxes that Stripe makes available to User, including Tax Registration Services, Tax Validation Services, Tax Calculation Services, and Tax Filing Services.

Qualifications & exceptions

• The Stripe Tax Services include both Services and Partner Services.

Charges & Financial Obligations · Restriction or exception

Stripe fees apply to Partner Services, and you must respond promptly to the Tax Partner's requests

Stripe fees apply to Partner Services the User accesses through the Services. The User's obligation to pay fees and Stripe's rights to collect fees under the Agreement apply to Partner Services. When using Partner Services, the User must respond in a timely manner to the Tax Partner's requests for additional information or documentation.

Supporting quotations

Stripe fees apply to Partner Services that User accesses via the Services. User’s obligation to pay fees and Stripe’s rights to collect fees under this Agreement apply to Partner Services. When using the Partner Services, User must respond in a timely manner to the Tax Partner’s requests for additional information or documentation in connection with the Partner Services.

Qualifications & exceptions

• Fees are charged by Stripe even though Partner Services are not Services.

Not stated here

• The terms do not state the fee amounts.

Charges & Financial Obligations · Company practice

A subcontractor may be legally required to add remittance services on its own terms; Stripe does not provide them

When a subcontractor provides the Stripe Tax Services for Stripe in certain countries, Law may require the subcontractor to provide remittance services too. For those additional services, the subcontractor's terms and fees apply, and Stripe is not providing them.

Supporting quotations

2.3 Subcontractors.

(a) Subcontractors of Stripe Tax Services. When a subcontractor is providing the Stripe Tax Services on behalf of Stripe, in certain countries, the subcontractor may be required by Law to also provide remittance services. For those additional services, the subcontractor’s terms and fees will apply, and Stripe is not provisioning any such additional services.

Qualifications & exceptions

• Applies in certain countries where Law requires remittance services.

Not stated here

• The countries and the subcontractor's terms and fees are not stated.

Charges & Financial Obligations · Restriction or exception

You are solely responsible for the accuracy and completeness of the tax information you give Stripe

The User acknowledges the Stripe Tax Services rely on the accuracy and completeness of the information it provides, including Tax Information, and that it is solely responsible for it. Inaccurate or incomplete information may mean Stripe cannot provide some or all of the services, cause the services to generate inaccurate Stripe Tax Data, or cause inaccurate or incomplete tax calculations, Tax Registrations or Tax Filings. Stripe Tax Data is data and reporting the User receives through the services.

Supporting quotations

3. User’s Obligations.

3.1 Information and Documentation.

(a) Accuracy of Tax Information. User acknowledges that the Stripe Tax Services rely on the accuracy and completeness of information, including Tax Information, User provides to Stripe, and User is solely responsible for the accuracy and completeness of all information. Inaccurate or incomplete information may (i) result in Stripe not being able to provide some or all of the Stripe Tax Services; (ii) cause the Stripe Tax Services to generate inaccurate Stripe Tax Data; or (iii) cause inaccurate or incomplete tax calculations, Tax Registrations, or Tax Filings.

“Stripe Tax Data” means data and reporting User receives through the Stripe Tax Services.

Charges & Financial Obligations · Restriction or exception

You must review draft Tax Filings, pay registration and filing fees and penalties, and remit the related taxes

The User must (a) review all draft Tax Filings, or information used to prepare them, for accuracy and completeness and promptly tell Stripe of corrections or additional information within Stripe's timeframe; (b) pay all fees, costs and penalties the relevant Governmental Authorities require for each Tax Registration and Tax Filing; and (c) timely remit payment of any other taxes or fees tied to each Tax Filing.

Supporting quotations

3.3 Filing and Registration.

User must:

(a) review all draft Tax Filings or information that will be used to prepare and file a Tax Filing for accuracy and completeness and promptly notify Stripe of any corrections or additional information within the timeframe Stripe specifies;

(b) pay all associated fees, costs, and penalties that the relevant Governmental Authorities require for each Tax Registration and Tax Filing; and

(c) timely remit the payment of any other taxes or fees associated with each Tax Filing.

Qualifications & exceptions

• Corrections must be notified within the timeframe Stripe specifies.

Charges & Financial Obligations · Company practice

Stripe does not audit your Tax Information, and a draft Tax Filing is deemed approved at approval or the deadline

Stripe will not independently audit or verify the Tax Information or any draft Tax Filing. After the earlier of (i) the User's approval or (ii) an approval deadline passing, the draft Tax Filing is deemed approved and Stripe will submit it on the User's behalf.

Supporting quotations

Stripe will not independently audit or verify the Tax Information or any draft Tax Filing. After the earlier of (i) User’s approval; or (ii) an approval deadline being passed, the draft Tax Filing will be deemed approved and Stripe will submit the Tax Filing on User's behalf.

Qualifications & exceptions

• Approval is deemed when a deadline passes without action.
• Stripe does not independently verify Tax Information.

Not stated here

• The approval deadline is not stated in these terms.

Charges & Financial Obligations · Restriction or exception

You alone are responsible for your own tax policies and tax reporting positions

The User is solely responsible for its own tax policies and tax reporting positions.

Supporting quotations

3.4 User’s Tax Policies.

User is solely responsible for its own tax policies and tax reporting positions.

Charges & Financial Obligations · Restriction or exception

Stripe Tax Data rests on Stripe's interpretations of Law, and you must check they suit your circumstances

The Stripe Tax Data the User receives may be based on Stripe's interpretations of Law. The User must validate that Stripe's interpretations are appropriate for its circumstances.

Supporting quotations

4. Stripe Tax Data.

4.1 Limitations on Reporting.

User may receive Stripe Tax Data through the Stripe Tax Services that is based on Stripe’s interpretations of Law. User must validate that Stripe’s interpretations are appropriate for its circumstances.

Qualifications & exceptions

• The data may be based on Stripe's interpretations rather than certain legal answers.

Charges & Financial Obligations · Context

Definitions: Tax Registration, Tax Filing, and the Registration, Filing, Calculation and Validation Services

A Tax Registration is the User's requested enrollment with the relevant Governmental Authority that enables collecting, reporting and remitting Taxes on its sales. A Tax Filing is a tax return the User asks to have prepared and submitted to the appropriate Governmental Authority. Tax Registration Services and Tax Filing Services are the Services or Partner Services that let the User complete a Registration or a Filing. Tax Calculation Services determine and calculate the Taxes due, if any, on the User's sales, and Tax Validation Services automate verification of User or Customer tax identification numbers or tax-exempt status.

Supporting quotations

“Tax Registration” means User’s requested enrollment with the relevant Governmental Authority, enabling the collection, reporting, and remittance of Taxes associated with the sale of goods or provision of services to Customers.

“Tax Filing” means a tax return that User requests to be prepared and submitted to the appropriate Governmental Authority, arising from the sale of goods or provision of services to Customers.

“Tax Registration Services” means the Services or Partner Services that enable User to complete a Tax Registration.

“Tax Filing Services” means the Services or Partner Services that enable User to complete a Tax Filing.

“Tax Calculation Services” means the Services that enable User to determine and calculate the amount, if any, of certain Taxes due in connection with User’s sale of goods or provision of services to Customers.

“Tax Validation Services” means the Services that enable automated verification of User or Customer tax identification numbers or tax-exempt status.

Charges & Financial Obligations · Context

Definitions: Partner Services, Tax Partner, Tax Data and Services, Tax Representative, TaxJar documents

Partner Services are products or services provided by a Tax Partner, which Stripe enables the User to access through the Services (excluding subcontractor services) and for which Stripe and the provider have agreed Stripe fees apply. A Tax Partner is a third-party provider of Partner Services. Stripe Tax Data is data and reporting received through the Stripe Tax Services, which are the Services and Partner Services on indirect taxes Stripe makes available. A Tax Representative is an individual using the services on the User's behalf. The TaxJar Privacy Policy and Terms of Service are TaxJar's documents at the linked addresses. A Connected Account is either a Platform User onboarded to a Stripe Connect Platform or a Payout Recipient.

Supporting quotations

“Partner Services” means a product or service provided by a Tax Partner which Stripe enables User to access via the Services (excluding any subcontractor services) and for which Stripe and the third party service provider have agreed that Stripe fees apply.

“Tax Partner” means a third-party service provider of Partner Services.

“Stripe Tax Data” means data and reporting User receives through the Stripe Tax Services.

“Stripe Tax Services” means the Services and Partner Services relating to indirect taxes that Stripe makes available to User, including Tax Registration Services, Tax Validation Services, Tax Calculation Services, and Tax Filing Services.

“Tax Representative” means an individual using the Stripe Tax Services on User’s behalf.

“TaxJar Privacy Policy” means TaxJar’s privacy policy located at [https://www.taxjar.com/privacy](https://www.taxjar.com/privacy).

“TaxJar Terms of Service” means TaxJar’s terms of service located at [https://www.taxjar.com/terms-of-service](https://www.taxjar.com/terms-of-service).

“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.

Not stated here

• The TaxJar documents are linked and not supplied.

Charges & Financial Obligations · Context

Definitions: Tax Registration Services, Tax Validation Services and Tax Representative

Tax Registration Services are the Services or Partner Services that let the User complete a Tax Registration. Tax Validation Services are the Services that automate verification of User or Customer tax identification numbers or tax-exempt status. A Tax Representative is an individual using the Stripe Tax Services on the User's behalf.

Supporting quotations

“Tax Registration Services” means the Services or Partner Services that enable User to complete a Tax Registration.

“Tax Validation Services” means the Services that enable automated verification of User or Customer tax identification numbers or tax-exempt status.

“Tax Representative” means an individual using the Stripe Tax Services on User’s behalf.

Charges & Financial Obligations · Context

Terminal Terms add to the General and Financial Services Terms (last modified November 18, 2025)

These Stripe Terminal Terms, last modified November 18, 2025, supplement the General Terms and, together with the Stripe Financial Services Terms, which they incorporate by reference, govern the use of the Stripe Terminal Services. Capitalized terms not defined here take their meaning from those two sets of terms. The Terminal Services are the Stripe Payments Services for Transactions processed using a Stripe Terminal Product, with related services and features. A Stripe Terminal Product is a device or other hardware (such as a point-of-sale device, accessory, component or spare part) that a Stripe Entity or an authorized distributor or reseller supplies to the User, and Stripe Terminal Software is the Terminal Device Software and the Terminal SDK.

Supporting quotations

Last modified: November 18, 2025

These terms (“Stripe Terminal Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms which are incorporated into these Stripe Terminal Terms by this reference, govern the use of the Stripe Terminal Services. Capitalized terms that are not defined in these Stripe Terminal Terms have the same meanings given to them in the General Terms and the Stripe Financial Services Terms.

“Stripe Terminal Services” means the Stripe Payments Services for Transactions processed using a Stripe Terminal Product, together with related services and features as described in the Stripe Terminal Documentation and on the Stripe Website.

“Stripe Terminal Product” means a device, instrument, piece of equipment, or other hardware that (a) a Stripe Entity or a third-party distributor or reseller authorized by a Stripe Entity supplies to User, which may be a physical Point of Sale (POS) device, accessory, component, or spare part, and the Terminal Device Software installed on that hardware product; or (b) Stripe approves for use to access the Stripe Terminal Services or the Stripe Technology, or to operate the Stripe Terminal Software.

“Stripe Terminal Software” means the Terminal Device Software and Terminal SDK.

Not stated here

• The definition of Stripe Terminal Product continues beyond the part read in this section.

Charges & Financial Obligations · Restriction or exception

Stripe is not liable for losses from using a Terminal Product in offline mode, including failed or declined transactions

Stripe and its Affiliates are not liable for any losses the User incurs from using a Stripe Terminal Product in “offline mode”, including losses from being unable to complete a Transaction, whether because there is a processing error or the Transaction is declined for any reason once the product leaves offline mode.

Supporting quotations

3.2 Failed Transactions.

Stripe and its Affiliates will not be liable for any losses User incurs in connection with User's use of a Stripe Terminal Product in "offline mode", including any losses arising in connection with User's inability to successfully complete a Transaction (i.e. there is an error in processing the attempted Transaction, or the Transaction is declined for any reason once the Stripe Terminal Product is taken out of "offline mode").

Qualifications & exceptions

• Covers declines that happen after the product is taken out of offline mode.

Charges & Financial Obligations · Company practice

Dynamic Currency Conversion (Preview): Stripe supplies only a technical service to you and may restrict access

Section 6 applies if the User uses Dynamic Currency Conversion, which is functionality Stripe may make available through the Terminal Services so the User can offer currency conversion to Customers on certain Card Network Transactions in supported currencies on supported Terminal Products. When Stripe makes it available, Stripe provides a technical service only to the User and does not offer or provide any service to Customers. Stripe may restrict access until it is satisfied the User's use meets the requirements stated in the section.

Supporting quotations

6. Stripe Dynamic Currency Conversion (Preview).

6.1 Dynamic Currency Conversion.

This Section 6 applies if User uses Dynamic Currency Conversion. User acknowledges that when Stripe makes Dynamic Currency Conversion available to User, Stripe is providing a technical service only to User to enable User to offer Dynamic Currency Conversion to its Customers, and Stripe is not offering or providing any service to Customers. Stripe reserves the right to restrict access to Dynamic Currency Conversion until Stripe is satisfied that User’s use of Dynamic Currency Conversion meets the requirements stated below.

“Dynamic Currency Conversion” means functionality Stripe may make available via the Stripe Terminal Services that allows User to offer dynamic currency conversion to its Customers on certain Card Network Transactions in supported currencies via supported Stripe Terminal Products, as described in the Stripe Terminal Documentation.

“Stripe Terminal Services” means the Stripe Payments Services for Transactions processed using a Stripe Terminal Product, together with related services and features as described in the Stripe Terminal Documentation and on the Stripe Website.

Qualifications & exceptions

• The feature is in Preview.
• Applies only if the User uses Dynamic Currency Conversion.

Charges & Financial Obligations · Restriction or exception

DCC: no use outside Terminal Services, no offers outside business sales, and no claim it is a Card Network service

The User must not (a) use Dynamic Currency Conversion except with the Stripe Terminal Services; (b) offer conversion optionality to Customers except in connection with accepting payments for goods or services in its business; or (c) represent, explicitly or implicitly, at any point in the Dynamic Currency Conversion Transaction process that its use of it is a service provided by the relevant Card Network.

Supporting quotations

6.2 Services Restrictions.

User must not:

(a) use Dynamic Currency Conversion except in conjunction with the Stripe Terminal Services;

(b) offer conversion optionality to its Customers except in connection with its acceptance of payments made in exchange for goods or services in connection with its business; or

(c) represent, either explicitly or implicitly, any point during the Dynamic Currency Conversion Transaction process that their use of Dynamic Currency Conversion is a service provided by the relevant Card Network.

Charges & Financial Obligations · Company practice

DCC: exchange rates may differ from Stripe's sources, currencies can change without notice, and it is not an FX service

The exchange rates made available to the User through Dynamic Currency Conversion may differ from the rates Stripe obtains from its service providers or public sources. Stripe may add or remove supported currencies at any time without notice. For any individual Customer transaction, Stripe may apply a different exchange rate than the Currency Exchange Rate when it settles the funds to the User's Stripe Account or issues Refunds. The User acknowledges that Dynamic Currency Conversion does not provide (a) the supply of foreign currencies by Stripe or (b) a foreign currency exchange or similar service.

Supporting quotations

6.3 Currencies and Exchange Rates.

The currency exchange rates made available to User as part of Dynamic Currency Conversion may differ from the currency exchange rates Stripe obtains from its service providers or publicly available resources. Stripe reserves the right to add or remove Dynamic Currency Conversion supported currencies at any time without notice. With respect to any individual Customer transaction, Stripe may choose to apply a different exchange rate than the Currency Exchange Rate when Stripe settles the resulting funds to User’s Stripe Account, or when issuing Refunds. User acknowledges and agrees that Dynamic Currency Conversion does not provide: (a) the supply of foreign currencies by Stripe; or (b) a foreign currency exchange or similar service.

Qualifications & exceptions

• Stripe may apply a different rate at settlement or on Refunds.
• Currency changes need no notice.

Not stated here

• The terms do not say how large a difference in rates may be.

Charges & Financial Obligations · Restriction or exception

DCC: you must give Customers the required information, including any markup, and a free choice to accept or decline

The User must (a) give Customers all necessary information about its use of Dynamic Currency Conversion as Law or Payment Method Rules require, in the form (including durable medium, as applicable) and manner required, including that the service may include a User-imposed markup on the prevailing exchange rate; and (b) make sure Customers are offered a free choice to accept or decline the conversion and that it is not used to convert a Transaction to a Customer's card currency without first getting the Customer's agreement on the information properly given.

Supporting quotations

6.4 User Obligations.

User must:

(a) provide Customers with all necessary information relating to its use of Dynamic Currency Conversion as required by Law or Payment Method Rules, in the form (including durable medium, as applicable) and manner required, including that this service may include a User-imposed markup on the prevailing currency exchange rate; and

(b) ensure Customers are offered a free choice to accept or decline the conversion option and that Dynamic Currency Conversion is not used to convert a Transaction to a Customer’s card currency without first obtaining the Customer’s agreement on the basis of the information duly provided;

Qualifications & exceptions

• Information must be given in the form and manner Law or Payment Method Rules require.

Charges & Financial Obligations · Context

Definitions: Card Network, Currency Exchange Rate and Refund

A Card Network is a payment card network, including those run by Visa, Mastercard, American Express and Discover; the named networks are examples. The Currency Exchange Rate is the Stripe-determined rate applied during a Customer transaction to convert prices of goods and services into the Customer's local currency. A Refund is an instruction the User starts to return funds, in full or in part, to a Customer for a processed Transaction.

Supporting quotations

“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.

“Currency Exchange Rate” means the Stripe-determined currency exchange rate applied during a Customer transaction to convert the prices of goods and services into Customer’s local currency.

“Refund” means an instruction User initiates to provide a full or partial return of funds to a Customer for a processed Transaction.

Qualifications & exceptions

• The named Card Networks are examples, not a complete list.
• The Currency Exchange Rate is determined by Stripe.

Charges & Financial Obligations · Context

Definitions: Stripe Terminal Products, Services, Software, Documentation and Terminal Device Software

A Stripe Terminal Product is a device or other hardware that a Stripe Entity or an authorized distributor or reseller supplies to the User (such as a POS device, accessory, component or spare part) together with its installed Terminal Device Software, or that Stripe approves for use to access the Terminal Services or Stripe Technology or to run the Terminal Software. Stripe Terminal Services are the Stripe Payments Services for Transactions processed using a Terminal Product, with related services and features described in the Terminal Documentation and on the Stripe Website. Stripe Terminal Software is the Terminal Device Software and the Terminal SDK, and Terminal Device Software takes its meaning from the Terminal Device EULA. Stripe Terminal Documentation is the Documentation plus other documentation Stripe makes available, including by email.

Supporting quotations

“Stripe Terminal Product” means a device, instrument, piece of equipment, or other hardware that (a) a Stripe Entity or a third-party distributor or reseller authorized by a Stripe Entity supplies to User, which may be a physical Point of Sale (POS) device, accessory, component, or spare part, and the Terminal Device Software installed on that hardware product; or (b) Stripe approves for use to access the Stripe Terminal Services or the Stripe Technology, or to operate the Stripe Terminal Software.

“Stripe Terminal Services” means the Stripe Payments Services for Transactions processed using a Stripe Terminal Product, together with related services and features as described in the Stripe Terminal Documentation and on the Stripe Website.

“Stripe Terminal Software” means the Terminal Device Software and Terminal SDK.

“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.

“Terminal Device Software” has the meaning given to it in the Terminal Device EULA.

Qualifications & exceptions

• A Terminal Product can also be hardware Stripe approves for use, not only hardware supplied to the User.

Not stated here

• The meaning of Terminal Device Software is in the Terminal Device EULA, which is not supplied.

Charges & Financial Obligations · Context

Definitions: Dynamic Currency Conversion, On-Reader Forms and Payment Method Account Details

Dynamic Currency Conversion is functionality Stripe may make available through the Terminal Services that lets the User offer currency conversion to Customers on certain Card Network Transactions in supported currencies on supported Terminal Products. On-Reader Forms let the User show pre-built interfaces on reader screens to display customized text, let Customers pick from buttons, or collect and store Customer input text and signature images. Payment Method Account Details are the Customer's payment method account details that the PCI Standards require to be protected, which may include the name and, for cards, the account number, expiration date and card verification value or similar security code.

Supporting quotations

“Dynamic Currency Conversion” means functionality Stripe may make available via the Stripe Terminal Services that allows User to offer dynamic currency conversion to its Customers on certain Card Network Transactions in supported currencies via supported Stripe Terminal Products, as described in the Stripe Terminal Documentation.

“On-Reader Forms” means functionality that allows User to display pre-built user interfaces on Stripe Terminal Product reader device screens that may be used to (a) display customized text to User’s Customers, (b) solicit Customer selection from buttons displaying customized text, or (c) collect and store Customer input text information and signature images.

“Payment Method Account Details” means the Payment Method account details for a Customer that the PCI Standards require to be protected, which may include the Customer’s name, and with respect to credit and debit cards, the Customer’s account number, card expiration date, and card verification value or similar security code.

Charges & Financial Obligations · Context

Terminal-Platform Terms apply to Stripe Connect Platforms, adding to three other term sets (modified Nov. 18, 2025)

These Stripe Terminal Terms for platforms, last modified November 18, 2025, supplement the General Terms and, together with the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms, which they incorporate by reference, govern use of the Stripe Terminal Services if the User is a Stripe Connect Platform. Capitalized terms not defined here take their meaning from those three sets of terms. The Terminal Services, Products and Software have the same meanings as in the version for non-platform Users: the Stripe Payments Services for Transactions processed using a Terminal Product, hardware supplied or approved by Stripe, and the Terminal Device Software and Terminal SDK.

Supporting quotations

Last modified: November 18, 2025

These terms (“Stripe Terminal Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms each of which are incorporated into these Stripe Terminal Terms by this reference, govern the use of the Stripe Terminal Services if User is a Stripe Connect Platform. Capitalized terms that are not defined in these Stripe Terminal Terms have the same meanings given to them in the General Terms, the Stripe Financial Services Terms, and the Stripe Connect Infrastructure Terms.

“Stripe Terminal Services” means the Stripe Payments Services for Transactions processed using a Stripe Terminal Product, together with related services and features as described in the Stripe Terminal Documentation and on the Stripe Website.

“Stripe Terminal Product” means a device, instrument, piece of equipment, or other hardware that (a) a Stripe Entity or a third-party distributor or reseller authorized by a Stripe Entity supplies to User, which may be a physical Point of Sale (POS) device, accessory, component, or spare part, and the Terminal Device Software installed on that hardware product; or (b) Stripe approves for use to access the Stripe Terminal Services or the Stripe Technology, or to operate the Stripe Terminal Software.

“Stripe Terminal Software” means the Terminal Device Software and Terminal SDK.

Qualifications & exceptions

• Applies if the User is a Stripe Connect Platform.

Charges & Financial Obligations · Restriction or exception

Stripe is not liable for losses from using a Terminal Product in offline mode, including failed or declined transactions

Stripe and its Affiliates are not liable for any losses the User incurs from using a Stripe Terminal Product in “offline mode”, including losses from being unable to complete a Transaction, whether because there is a processing error or the Transaction is declined for any reason once the product leaves offline mode.

Supporting quotations

3.2 Failed Transactions.

Stripe and its Affiliates will not be liable for any losses User incurs in connection with User's use of a Stripe Terminal Product in "offline mode", including any losses arising in connection with User's inability to successfully complete a Transaction (i.e. there is an error in processing the attempted Transaction, or the Transaction is declined for any reason once the Stripe Terminal Product is taken out of "offline mode")

Qualifications & exceptions

• Covers declines that happen after the product is taken out of offline mode.

Charges & Financial Obligations · Restriction or exception

Tap to Pay on iPhone for your Connected Accounts is subject to Apple's platform terms, which you must keep confidential

As part of the Terminal Services, Stripe may enable the User to use Tap to Pay on iPhone, as the Documentation describes, so its Connected Accounts can accept Transactions on a compatible Apple product. The User's use is subject to, and the User agrees to comply with and treat as confidential, the Apple Acceptance Platform User Terms and Conditions.

Supporting quotations

3.3 Tap to Pay on iPhone.

As part of the Stripe Terminal Services, Stripe may enable User to use Tap to Pay on iPhone (as described in the Documentation) to allow User’s Connected Accounts to accept Transactions on a compatible Apple product. User’s use of Tap to Pay on iPhone is subject to, and User agrees to comply with, and treat as confidential, these [Apple Acceptance Platform User Terms and Conditions](https://stripe.com/legal/apple-acceptance-platform).

Qualifications & exceptions

• Stripe may enable the feature; it is not promised.

Not stated here

• The Apple terms are a linked document and are not supplied.

Charges & Financial Obligations · Company practice

Dynamic Currency Conversion (Preview): Stripe supplies only a technical service to you and your Connected Accounts

Section 7 applies if the User uses Dynamic Currency Conversion. When Stripe makes it available to the User and its Connected Accounts, Stripe provides a technical service only to them, so they can offer it to their Customers, and Stripe does not offer or provide any service to Customers. Stripe may restrict access until it is satisfied the User's use meets the requirements stated in the section. Dynamic Currency Conversion is functionality available through the Terminal Services for certain Card Network Transactions in supported currencies on supported Terminal Products.

Supporting quotations

7. Stripe Dynamic Currency Conversion (Preview).

7.1 Dynamic Currency Conversion.

This Section 7 applies if User uses Dynamic Currency Conversion. User acknowledges that when Stripe makes Dynamic Currency Conversion available to User and its Connected Accounts, Stripe is providing a technical service only to User and its Connected Accounts to enable User and its Connected Accounts to offer Dynamic Currency Conversion to their Customers, and Stripe is not offering or providing any service to Customers. Stripe reserves the right to restrict access to Dynamic Currency Conversion until Stripe is satisfied that User’s use of Dynamic Currency Conversion meets the requirements stated below.

“Dynamic Currency Conversion” means functionality Stripe may make available via the Stripe Terminal Services that allows User to offer dynamic currency conversion to its Customers on certain Card Network Transactions in supported currencies via supported Stripe Terminal Products, as described in the Stripe Terminal Documentation.

“Stripe Terminal Services” means the Stripe Payments Services for Transactions processed using a Stripe Terminal Product, together with related services and features as described in the Stripe Terminal Documentation and on the Stripe Website.

Qualifications & exceptions

• The feature is in Preview.
• Applies only if the User uses Dynamic Currency Conversion.

Charges & Financial Obligations · Restriction or exception

DCC: you and your Connected Accounts may not use it outside Terminal Services or claim it is a Card Network service

The User and its Connected Accounts must not (a) use Dynamic Currency Conversion except with the Stripe Terminal Services; (b) offer conversion optionality to Customers except in connection with accepting payments for goods or services in their business; or (c) represent, explicitly or implicitly, at any point in the Dynamic Currency Conversion Transaction process that their use of it is a service provided by the relevant Card Network.

Supporting quotations

7.2 Services Restrictions.

User and its Connected Accounts must not:

(a) use Dynamic Currency Conversion except in conjunction with the Stripe Terminal Services;

(b) offer conversion optionality to its Customers except in connection with its acceptance of payments made in exchange for goods or services in connection with its business; or

(c) represent, either explicitly or implicitly, at any point during the Dynamic Currency Conversion Transaction process that their use of Dynamic Currency Conversion is a service provided by the relevant Card Network.

Qualifications & exceptions

• The restrictions bind the User's Connected Accounts as well as the User.

Charges & Financial Obligations · Restriction or exception

DCC: no conversion offers outside your business sales, and no claim that it is a Card Network service

The User and its Connected Accounts must not offer conversion optionality to Customers except in connection with accepting payments for goods or services in their business, and must not represent, explicitly or implicitly, at any point in the Dynamic Currency Conversion Transaction process that their use of it is a service provided by the relevant Card Network.

Supporting quotations

(b) offer conversion optionality to its Customers except in connection with its acceptance of payments made in exchange for goods or services in connection with its business; or

(c) represent, either explicitly or implicitly, at any point during the Dynamic Currency Conversion Transaction process that their use of Dynamic Currency Conversion is a service provided by the relevant Card Network.

Qualifications & exceptions

• The restrictions bind the User's Connected Accounts as well as the User.

Charges & Financial Obligations · Company practice

DCC: exchange rates may differ from Stripe's sources, currencies can change without notice, and it is not an FX service

The exchange rates made available to the User and its Connected Accounts through Dynamic Currency Conversion may differ from the rates Stripe obtains from its service providers or public sources. Stripe may add or remove supported currencies at any time without notice. For any individual Customer transaction, Stripe may apply a different exchange rate than the Currency Exchange Rate when it settles the funds to the User's Stripe Account or issues Refunds. The User acknowledges that it does not provide (a) the supply of foreign currencies by Stripe or (b) a foreign currency exchange or similar service.

Supporting quotations

7.3 Currencies and Exchange Rates.

The currency exchange rates made available to User and its Connected Accounts as part of Dynamic Currency Conversion may differ from the currency exchange rates Stripe obtains from its service providers or publicly available resources. Stripe reserves the right to add or remove Dynamic Currency Conversion supported currencies at any time without notice. With respect to any individual Customer transaction, Stripe may choose to apply a different exchange rate than the Currency Exchange Rate when Stripe settles the resulting funds to User’s Stripe Account, or when issuing Refunds. User acknowledges and agrees that Dynamic Currency Conversion does not provide: (a) the supply of foreign currencies by Stripe; or (b) a foreign currency exchange or similar service.

Qualifications & exceptions

• Stripe may apply a different rate at settlement or on Refunds.
• Currency changes need no notice.

Not stated here

• The terms do not say how large a difference in rates may be.

Charges & Financial Obligations · Restriction or exception

DCC: you must give Customers the required information, including any markup, and a free choice to accept or decline

The User must (a) give Customers all necessary information about its use of Dynamic Currency Conversion as Law or Payment Method Rules require, in the form (including durable medium, as applicable) and manner required, including that the service may include a User-imposed markup on the prevailing exchange rate; and (b) make sure Customers are offered a free choice to accept or decline the conversion and that it is not used to convert a Transaction to a Customer's card currency without first getting the Customer's agreement on the information properly given.

Supporting quotations

7.4 User Obligations.

User must:

(a) provide Customers with all necessary information relating to its use of Dynamic Currency Conversion as required by Law or Payment Method Rules, in the form (including durable medium, as applicable) and manner required, including that this service may include a User-imposed markup on the prevailing currency exchange rate; and

(b) ensure Customers are offered a free choice to accept or decline the conversion option and that Dynamic Currency Conversion is not used to convert a Transaction to a Customer’s card currency without first obtaining the Customer’s agreement on the basis of the information duly provided;

Qualifications & exceptions

• Information must be given in the form and manner Law or Payment Method Rules require.

Charges & Financial Obligations · Context

Definitions: Card Network, Connected Account, Currency Exchange Rate and Refund

A Card Network is a payment card network, including those run by Visa, Mastercard, American Express and Discover; the named networks are examples. 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. The Currency Exchange Rate is the Stripe-determined rate applied during a Customer transaction to convert prices into the Customer's local currency. A Refund is an instruction the User starts to return funds, in full or in part, to a Customer for a processed Transaction.

Supporting quotations

“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.

“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.

“Currency Exchange Rate” means the Stripe-determined currency exchange rate applied during a Customer transaction to convert the prices of goods and services into Customer’s local currency.

“Refund” means an instruction User initiates to provide a full or partial return of funds to a Customer for a processed Transaction.

Qualifications & exceptions

• The named Card Networks are examples, not a complete list.

Charges & Financial Obligations · Context

Definitions: Dynamic Currency Conversion, On-Reader Forms and Payment Method Account Details

Dynamic Currency Conversion is functionality Stripe may make available through the Terminal Services that lets the User offer currency conversion to Customers on certain Card Network Transactions in supported currencies on supported Terminal Products. On-Reader Forms let the User show pre-built interfaces on reader screens to display customized text, let Customers pick from buttons, or collect and store Customer input text and signature images. Payment Method Account Details are the Customer's payment method account details that the PCI Standards require to be protected, which may include the name and, for cards, the account number, expiration date and card verification value or similar security code.

Supporting quotations

“Dynamic Currency Conversion” means functionality Stripe may make available via the Stripe Terminal Services that allows User to offer dynamic currency conversion to its Customers on certain Card Network Transactions in supported currencies via supported Stripe Terminal Products, as described in the Stripe Terminal Documentation.

“On-Reader Forms” means functionality that allows User to display pre-built user interfaces on Stripe Terminal Product reader device screens that may be used to (a) display customized text to User’s Customers, (b) solicit Customer selection from buttons displaying customized text, or (c) collect and store Customer input text information and signature images.

“Payment Method Account Details” means the Payment Method account details for a Customer that the PCI Standards require to be protected, which may include the Customer’s name, and with respect to credit and debit cards, the Customer’s account number, card expiration date, and card verification value or similar security code.

Charges & Financial Obligations · Context

Definitions: Stripe Terminal Documentation and Stripe Terminal Product

Stripe Terminal Documentation is the Documentation plus other documentation Stripe makes available, including by email, about the Terminal Services, Software or Products. A Stripe Terminal Product is a device or other hardware that a Stripe Entity or an authorized distributor or reseller supplies to the User (such as a POS device, accessory, component or spare part) together with its installed Terminal Device Software, or that Stripe approves for use to access the Terminal Services or Stripe Technology or to run the Terminal Software.

Supporting quotations

“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.

“Stripe Terminal Product” means a device, instrument, piece of equipment, or other hardware that (a) a Stripe Entity or a third-party distributor or reseller authorized by a Stripe Entity supplies to User, which may be a physical Point of Sale (POS) device, accessory, component, or spare part, and the Terminal Device Software installed on that hardware product; or (b) Stripe approves for use to access the Stripe Terminal Services or the Stripe Technology, or to operate the Stripe Terminal Software.

Qualifications & exceptions

• A Terminal Product can also be hardware Stripe approves for use, not only hardware supplied to the User.

Charges & Financial Obligations · Context

Definitions: Terminal Services, Software, Device EULA, Device Software, Purchase Terms and SDK

Stripe Terminal Services are the Stripe Payments Services for Transactions processed using a Terminal Product, with related services and features described in the Terminal Documentation and on the Stripe Website. Stripe Terminal Software is the Terminal Device Software and the Terminal SDK, and Terminal Device Software takes its meaning from the Terminal Device EULA. The Terminal Device EULA is the Terminal Device Software License Agreement for end users, incorporated into the Agreement by reference. The Terminal Purchase Terms are the agreement under which a Stripe Entity supplies the Terminal Products the User is using. The Terminal SDK is software code that is Stripe Technology, distributed under the MIT license with a test environment and documentation, available from Stripe's GitHub, including iOS, Android and JavaScript versions and all Updates.

Supporting quotations

“Stripe Terminal Services” means the Stripe Payments Services for Transactions processed using a Stripe Terminal Product, together with related services and features as described in the Stripe Terminal Documentation and on the Stripe Website.

“Stripe Terminal Software” means the Terminal Device Software and Terminal SDK.

“Terminal Device EULA” means the Terminal Device Software License Agreement for end users, the terms of which are incorporated into this Agreement by this reference.

“Terminal Device Software” has the meaning given to it in the Terminal Device EULA.

“Terminal Purchase Terms” means the agreement under which a Stripe Entity supplies the Stripe Terminal Products that User is using.

“Terminal SDK” means the software code that is Stripe Technology and is distributed under the MIT license, test environment, and associated documentation, as described in the Stripe Terminal Documentation and which Stripe makes available at [https://github.com/stripe](https://github.com/stripe), including iOS, Android and JavaScript versions, and including all Updates.

Qualifications & exceptions

• The Terminal SDK is described as distributed under the MIT license.

Not stated here

• The EULA and Purchase Terms are separate documents and are not supplied.

Charges & Financial Obligations · Context

Treasury Terms add to the General and Financial Services Terms, with Regional Terms by your Account Country

These Stripe Treasury Terms (formerly Financial Accounts), last updated September 28, 2026, supplement the General Terms and, together with the Stripe Financial Services Terms, which they incorporate by reference, govern the use of the Stripe Treasury Services. The Regional Terms in Section 11 apply based on the User's Stripe Account Country. Capitalized terms not defined here take their meaning from the General Terms or the Financial Services Terms.

Supporting quotations

Last updated: September 28, 2026

1.1 Operation of These Terms.

These terms (“Stripe Treasury Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms which are incorporated into these Stripe Treasury Terms by this reference, govern the use of the Stripe Treasury Services. The Regional Terms in Section 11 (Regional Terms) of these Stripe Treasury Terms apply based on User’s Stripe Account Country. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms or the Stripe Financial Services Terms.

Qualifications & exceptions

• Which Regional Terms apply depends on the User's Stripe Account Country.

Charges & Financial Obligations · Restriction or exception

Treasury lets you make, accept and store fiat funds if you reside in the User Territory; no stablecoin

The Stripe Treasury Services let the User make or accept Financial Account Transactions and store funds. The User must reside in the User Territory to use them: for the United States this means the US and its territories and protectorates (excluding the Northern Mariana Islands, US Virgin Islands and Guam), and for the United Kingdom, the UK. The services are limited to fiat currency and do not include custody, exchange, transmission or payout of Stablecoin or any other digital asset. Stablecoin-related services are governed by the Stablecoin Treasury Terms, the Stripe Global Payouts Stablecoin Terms and the Stablecoin Partner Terms, as applicable. A Financial Account Transaction is an Inbound or Outbound Transaction.

Supporting quotations

1.2 Description of Stripe Treasury Services.

The Stripe Treasury Services enable User to make or accept Financial Account Transactions and store funds. User must reside in the User Territory in order to use the Stripe Treasury Services. For the avoidance of doubt, the Stripe Treasury Services are limited to fiat currency services. The Stripe Treasury Services do not include the custody, exchange, transmission, or payout of Stablecoin or any other digital asset. All Stablecoin-related services are governed by the Stablecoin Treasury Terms, the Stripe Global Payouts Stablecoin Terms, and the Stablecoin Partner Terms, as applicable.

“Financial Account Transaction” means an Inbound Transaction or an Outbound Transaction.

“User Territory” means the United States and its territories and protectorates (excluding the Northern Mariana Islands, US Virgin Islands, and Guam).

“User Territory” means the United Kingdom.

Qualifications & exceptions

• Residence in the User Territory is required.
• Limited to fiat currency.

Not stated here

• User Territory is defined separately in the regional definitions for each region read here.

Charges & Financial Obligations · Restriction or exception

You must provide Financial Account Transaction information on request, and Stripe may limit use until satisfied

If Stripe asks, the User must give information about a Financial Account Transaction, including the source of funds. Stripe may prohibit, disable or limit the User's use of the Stripe Treasury Services until it is satisfied it has enough information about each Financial Account Transaction or other use of the services.

Supporting quotations

2.2 Information Provided to Stripe.

(a) Financial Account Transactions. User must, if requested by Stripe, provide information about a Financial Account Transaction, including the source of funds. Stripe may prohibit, disable, or limit User’s use of the Stripe Treasury Services until Stripe is satisfied that it has received sufficient information relating to each Financial Account Transaction or other use of the Stripe Treasury Services.

Qualifications & exceptions

• Applies if Stripe requests the information.

Not stated here

• The terms do not say how long Stripe may take to be satisfied.

Charges & Financial Obligations · Restriction or exception

You are responsible for accurate payment instructions and must promptly report errors or unauthorized transactions

The User is responsible for giving accurate and complete payment instructions, and for checking the accuracy and completeness of any payment instructions and details it gives for a Financial Account Transaction. If the User believes there is an error in a Financial Account Transaction, or an unauthorized one has occurred, it must promptly notify Stripe and give all information Stripe requests.

Supporting quotations

(b) Payment Instructions. User is responsible for providing accurate and complete payment instructions, and for verifying the accuracy and completeness of any payment instructions and details that User provides in respect of a Financial Account Transaction.

(c) Errors. If User believes that there is an error in a Financial Account Transaction, or an unauthorized Financial Account Transaction has occurred, User must promptly notify Stripe and provide all information requested by Stripe.

Qualifications & exceptions

• Notice of errors must be prompt.

Not stated here

• The terms give no fixed deadline for reporting errors.

Charges & Financial Obligations · Restriction or exception

You acknowledge RSP is not a bank, the Financial Account is not a deposit account, and RSP acts as your agent

The User acknowledges that (a) RSP and its Affiliates are not banks; (b) the Financial Account is not a demand deposit (checking) account, savings account or other asset or bank account with RSP, its Affiliates, a Treasury Bank or its Affiliates; (c) RSP acts as the User's agent for the Financial Account; (d) RSP selects the Treasury Bank through which the Financial Account is created; (e) RSP makes no representation about the sufficiency of the Treasury Bank's capitalization; and (f) RSP may appoint Stripe as its agent or service provider to exercise its rights and perform its obligations, other than for regulated services.

Supporting quotations

2.3 Acknowledgments.

User acknowledges that:

(a) RSP and its Affiliates are not banks;

(b) the Financial Account is not a demand deposit (checking) account, savings account, or other asset or bank account with RSP, an Affiliate of RSP, a Treasury Bank, or an Affiliate of a Treasury Bank;

(c) RSP will act as User’s agent with respect to the Financial Account;

(d) RSP will select the Treasury Bank through which User’s Financial Account is created;

(e) RSP makes no representation about the sufficiency of the capitalization of the Treasury Bank where User’s funds are held; and

(f) RSP may appoint Stripe as its agent or service provider to exercise its rights and perform its obligations under these Stripe Treasury Terms, other than with respect to regulated services.

Qualifications & exceptions

• RSP chooses the Treasury Bank, not the User.
• Appointment of Stripe does not extend to regulated services.

Charges & Financial Obligations · Company practice

Available Balance adds pending provisional credits and subtracts Transaction Holds when checking if funds are available

Solely to decide whether funds are available for a Financial Account Transaction, the Available Balance is (a) increased by pending provisionally credited Financial Account Transactions (excluding pending returns) in the User's Financial Account and (b) decreased by Transaction Holds on funds in it. The User can view its Available Balance on the Stripe Dashboard.

Supporting quotations

3. Financial Account Transactions.

3.1 Available Balance.

Solely for the purpose of determining whether funds are available for a Financial Account Transaction, the Available Balance is (a) increased by the amount of any pending provisionally credited Financial Account Transactions (excluding pending returns) in User’s Financial Account; and (b) decreased by the amount of Transaction Holds on funds in User’s Financial Account. User can view User’s Available Balance on the Stripe Dashboard.

Qualifications & exceptions

• Applies solely to determining whether funds are available for a transaction.
• Pending returns are excluded from the increase.

Charges & Financial Obligations · Company practice

You add funds through Stripe's funding mechanisms, and Stripe counts them only once actually received

The User may add funds to a Financial Account through the funding mechanisms Stripe makes available. Stripe is not responsible for any funds transferred, and will not record them as available in a Financial Account, until Stripe actually receives them. Financial Account Transactions and the Available Balance can be viewed in the User's Stripe Dashboard.

Supporting quotations

3.2 Adding Funds to User’s Financial Account.

(a) How to Add Funds. User may add funds into a Financial Account via the funding mechanisms Stripe makes available. Stripe is not responsible for any funds transferred, and will not record them as available in a Financial Account, until actually received by Stripe. Financial Account Transactions and Available Balance are available to view in User’s Stripe Dashboard.

Qualifications & exceptions

• Funds are available only after Stripe actually receives them.

Charges & Financial Obligations · Permission or license

You authorize RSP as your agent; Outbound Transactions are deducted at once; Stripe may retry or split them

The User authorizes RSP to act as its agent to make any Financial Account Transaction it requests. Stripe deducts the amount of each Outbound Transaction the User starts from the Available Balance even if the transaction has not yet completed. If a transaction cannot be completed, Stripe may retry it or complete it in multiple transactions, and if it still cannot be completed Stripe will notify the User. RSP may endorse any credit Financial Account Transaction the User presents to be added to the account, and if there is a qualified endorsement RSP may place the User's unqualified endorsement on it. An Outbound Transaction is an Outbound Payment, Outbound Transfer or other fiat entry that subtracts from the Available Balance and that Stripe may permit in its sole discretion.

Supporting quotations

(b) Authorization. User authorizes RSP to act as User’s agent to make any Financial Account Transaction requested by User. Stripe will deduct the amount of each Outbound Transaction that User initiates from the Available Balance even if the transaction has not yet been completed. If an initiated Financial Account Transaction cannot be completed, Stripe may retry the Financial Account Transaction, or complete the Financial Account Transaction in multiple transactions. If that Financial Account Transaction still cannot be completed, Stripe will notify User. RSP may endorse any credit Financial Account Transaction that User presents to be added to User’s Financial Account. If there is a qualified endorsement on a credit Financial Account Transaction, RSP may place User’s unqualified endorsement on the credit Financial Account Transaction.

“Outbound Transaction” means an Outbound Payment, Outbound Transfer, or any other fiat currency entry or transaction that subtracts from the Available Balance that Stripe may permit from time to time in its sole discretion.

Qualifications & exceptions

• Deduction happens even before the transaction completes.
• Stripe may complete a transaction in multiple parts.

Not stated here

• The terms do not say when a deducted amount is returned if a transaction fails.

Charges & Financial Obligations · Permission or license

RSP follows documented timelines unless delayed or withheld, and Stripe may place Transaction Holds above your balance

RSP will make a Financial Account Transaction within the time periods in the Documentation unless (i) a Financial Account Transaction Delay occurs, (ii) Stripe exercises a right under the Agreement, or (iii) Law permits withholding or delaying it. Stripe may place a Transaction Hold, a restriction on funds availability or on the User's ability to transact, if it reasonably doubts it can collect amounts owed to it, is concerned about fraud or misconduct (including for new accounts or large transactions), is concerned about Financial Account Regulatory Requirements, or for any other reason the Agreement or those requirements permit. A hold may be for more than the User's Available Balance.

Supporting quotations

3.3 Timing of Financial Account Transactions.

(a) Timing. RSP will make a Financial Account Transaction in accordance with the time periods stated in the Documentation unless (i) a Financial Account Transaction Delay occurs, (ii) Stripe exercises a right under the Agreement, or (iii) as permitted by Law to withhold or delay the Financial Account Transaction.

(b) Transaction Hold. Stripe may place a Transaction Hold on Financial Account Transactions (i) if Stripe reasonably doubts that it can collect the amounts owed to Stripe; (ii) if Stripe is concerned about potential fraud or other misconduct, including for new Financial Accounts or large Financial Account Transactions; (iii) if Stripe is concerned about compliance with Financial Account Regulatory Requirements; or (iv) for any other reason permitted by the Agreement or Financial Account Regulatory Requirements. Stripe may place a Transaction Hold for more than User’s Available Balance.

“Financial Account Transaction Delay” means a delay of a Financial Account Transaction caused by (a) the unavailability of, or delay by, a Financial Provider (including a Card Network or clearing network), Governmental Authority, telecommunications provider, or internet service provider, including as a result of a Financial Provider’s default, insolvency, or bankruptcy; (b) incorrect information, such as a bank account number, provided to Stripe; (c) User’s equipment, software, or other technology; (d) a Force Majeure Event; (e) fraud or sanction screening required or requested by Stripe, its Financial Providers, or recipient banks; or (f) the recipient bank not being directly integrated with the clearing system used by Stripe or the type of recipient bank account not being supported by Stripe (e.g. a savings account, money market or investment account, multi-currency account, or foreign or correspondent account).

“Transaction Hold” means a restriction on the availability of funds in a Financial Account or on User’s ability to effect a Financial Account Transaction that Stripe places as a result of delayed funds availability, Legal Process, or other circumstances as determined by Stripe in its sole discretion.

Qualifications & exceptions

• Timing depends on the Documentation, which is not supplied.
• A Transaction Hold can exceed the Available Balance.

Not stated here

• The Documentation's time periods are not in this text.

Charges & Financial Obligations · Restriction or exception

An Outbound Transaction cannot be cancelled or reversed, and you cannot send more than your Available Balance

An Outbound Transaction extinguishes any payout liability Stripe may have for the payout amount. Once an Outbound Transaction has started it cannot be cancelled or reversed, and Stripe may not be able to, and has no obligation to try to, retrieve funds sent. If Stripe can retrieve them, it may charge the User the retrieval costs. The User may not start an Outbound Transaction larger than the Available Balance of its Financial Account.

Supporting quotations

3.4 Outbound Transaction Initiation.

An Outbound Transaction extinguishes any payout liability that Stripe may have in respect of the payout amount. User acknowledges that once an Outbound Transaction has commenced, it cannot be cancelled or reversed, and Stripe may not be able to (and is under no obligation to attempt to) retrieve funds sent via an Outbound Transaction. If Stripe is able to retrieve the funds, then Stripe may charge User the costs incurred for that retrieval. User may not initiate an Outbound Transaction that is greater than the Available Balance of User’s Financial Account.

Qualifications & exceptions

• Stripe has no obligation to attempt retrieval.
• Retrieval costs may be charged to the User.

Charges & Financial Obligations · Permission or license

RSP may refuse a transaction made by an unpermitted method or lacking required information

RSP may refuse any Financial Account Transaction (a) made by a method RSP does not specifically permit for the User's Financial Account, or (b) that does not include all the information RSP or the Treasury Bank require.

Supporting quotations

3.5 RSP’s Right to Refuse.

RSP may refuse any Financial Account Transaction (a) by any method that RSP does not specifically permit for User’s Financial Account; or (b) that does not include all information RSP or the Treasury Bank require.

Not stated here

• The permitted methods and required information are not listed here.

Charges & Financial Obligations · Permission or license

RSP sets Cut-Off Times and may change them immediately without notice

RSP sets Cut-Off Times for various Financial Account Transactions and gives them to the User through the Stripe Dashboard or otherwise in writing. RSP may change a Cut-Off Time from time to time, effective immediately and without notice to the User. The User may contact RSP at any time to verify the Cut-Off Time. A Cut-Off Time is the time on a business day by which RSP must receive an instruction or request for it to be processed the same day.

Supporting quotations

3.6 Cut-Off Times.

RSP establishes Cut-Off Times for various Financial Account Transactions and RSP will provide those Cut-Off Times to User through the Stripe Dashboard or otherwise in writing. RSP may change the Cut-Off Time from time to time. Any change to the Cut-Off Time will be effective immediately and without notice to User. User may contact RSP at any time to verify the Cut-Off Time.

“Cut-Off Time” means the time on a business day by which RSP must receive an instruction or Financial Account Transaction request in order to process that instruction or request on the same day.

Qualifications & exceptions

• Changes take effect immediately and without notice.

Charges & Financial Obligations · Restriction or exception

There is no overdraft feature, and you must promptly fund any negative balance

There is no overdraft feature for the User's Financial Account. If the account has a negative balance, the User must promptly transfer enough funds in the applicable Supported Currency into it to make the balance positive.

Supporting quotations

3.7 No Overdraft Features.

There is no overdraft feature associated with User’s Financial Account. If User’s Financial Account has a negative balance, User must promptly transfer sufficient funds in the applicable Supported Currency into the Financial Account to render the balance positive.

Qualifications & exceptions

• Funding must be prompt.

Not stated here

• The terms give no fixed deadline for covering a negative balance.

Charges & Financial Obligations · User right or choice

You can stop a scheduled or preauthorized transaction by instructing Stripe within the documented timeframe

To stop a scheduled or preauthorized Financial Account Transaction, the User must give Stripe instructions within the timeframe specified in the Documentation. If the User scheduled or preauthorized the transaction through the Stripe Dashboard, it may change or cancel it there as the Documentation describes.

Supporting quotations

3.8 User’s Right to Stop Payment.

If User wishes to stop any scheduled or preauthorized Financial Account Transaction from User’s Financial Account, then User must give Stripe instructions to do so within the timeframe specified in the Documentation. If User scheduled or preauthorized the Financial Account Transaction via the Stripe Dashboard, then User may change or cancel the Financial Account Transaction via the Stripe Dashboard as described in the Documentation.

Qualifications & exceptions

• The timeframe is set in the Documentation.

Not stated here

• The timeframe is in the Documentation, which is not supplied.

Charges & Financial Obligations · Restriction or exception

You are responsible for all transactions, authorized or not; Stripe disclaims liability for failures and lost funds

To the extent Law permits, the User is responsible for all Financial Account Transactions on its Financial Account, whether or not authorized. To the maximum extent Law permits, the Stripe Parties are not liable to the User, its Affiliates or any third party for losses, damages or costs from (a) a failed transaction, including RSP refusing or declining it or a failure from circumstances outside RSP's control; (b) RSP completing a transaction or acting in reliance on incorrect or incomplete information; or (c) any correspondent bank's negligence or failure, or funds lost in transit.

Supporting quotations

3.9 Liability Related to Financial Account Transactions.

To the extent permitted by Law, User is responsible for all Financial Account Transactions on User’s Financial Account, whether or not they are authorized. To the maximum extent permitted by Law, the Stripe Parties will not be liable to User, User’s Affiliates, or any third party for any losses, damages, or costs arising out of or relating to:

(a) a failed Financial Account Transaction on User’s Financial Account, including if RSP decides to refuse to pay or decline any Financial Account Transaction or if a Financial Account Transaction fails due to circumstances outside of RSP’s control;

(b) RSP completing a Financial Account Transaction or otherwise acting in reliance upon any incorrect or incomplete information provided or made available to RSP; or

(c) any correspondent bank’s negligence or failure, or funds lost in transit.

Qualifications & exceptions

• Responsibility for unauthorized transactions applies to the extent Law permits.
• The disclaimer applies to the maximum extent Law permits.

Charges & Financial Obligations · Restriction or exception

You are responsible for paying, withholding and reporting Taxes for yourself and your Recipients

The User is responsible for paying or withholding any applicable Taxes and for completing any Tax reporting for itself and, if required, on behalf of its Recipients, in connection with the Stripe Treasury Services.

Supporting quotations

5. Taxes and Currency Conversion.

5.1 Taxes.

User is responsible for the payment or withholding of any applicable Taxes and the completion of any Tax reporting for User and on behalf of User’s Recipient, if required, in connection with the Stripe Treasury Services.

Qualifications & exceptions

• Covers Tax reporting on behalf of Recipients, if required.

Charges & Financial Obligations · Company practice

Currency conversion rates follow the Documentation, and quoted payout amounts and fees are estimates

If a requested Financial Account Transaction needs a currency conversion, the exchange rate is determined as stated in the Documentation. Where conversion is part of a transaction, quoted payout amounts and associated fees are estimates that may change with the exchange rate when the conversion happens.

Supporting quotations

5.2 Currency Conversion.

If a requested Financial Account Transaction requires a currency conversion, then the exchange rate used for that conversion will be determined as stated in the Documentation. Where currency conversion is part of a Financial Account Transaction, any quoted payout amounts and associated fees are estimates, and may fluctuate based on changes in the exchange rate that applies when the currency conversion takes place.

Qualifications & exceptions

• Quoted amounts and fees are estimates.

Not stated here

• The rate is set by the Documentation, which is not supplied.

Charges & Financial Obligations · Restriction or exception

Transactions may go to the wrong account if you give Stripe inaccurate or incomplete information

The User acknowledges that Financial Account Transactions may be sent to the wrong account if it gives Stripe inaccurate or incomplete information, including because of compromise or fraud.

Supporting quotations

9.2 Reliance.

User acknowledges that Financial Account Transactions may be sent to the wrong account if User provides Stripe with inaccurate or incomplete information (including due to compromise or fraud).

Qualifications & exceptions

• Includes errors caused by compromise or fraud.

Charges & Financial Obligations · Context

Definitions: ACH Network, Available Balance, Balance Transfer and Card Network

The ACH Network is the automated clearinghouse payment network that Nacha's member organizations control and manage. The Available Balance is the amount of funds available in the Financial Account. A Balance Transfer is a transfer from the User's own Stripe Account payments balance to its Financial Account under the Treasury Terms. A Card Network is a payment card network, including those run by Visa, Mastercard, American Express and Discover; the named networks are examples.

Supporting quotations

10. Definitions.

“ACH Network” means the automated clearinghouse payment network that the member organizations of Nacha control and manage.

“Available Balance” means the amount of funds available in the Financial Account.

“Balance Transfer” means a transfer from User’s own Stripe Account payments balance, to User’s Financial Account, in accordance with the Stripe Treasury Terms.

“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.

Qualifications & exceptions

• The named Card Networks are examples, not a complete list.

Charges & Financial Obligations · Context

Definitions: Financial Account, Treasury Services, RSP, Treasury Bank, Custodial Account and VBAN

The Financial Account is the Stripe Account Stripe provides as part of the Treasury Services. The Stripe Treasury Services let the User access a Financial Account, fund it with a Received Credit or Balance Transfer, make Outbound Transactions and engage in other permitted Financial Account Transactions, all limited to fiat currency, as the Documentation describes. RSP is the regulated services provider of the services. The Treasury Bank is a bank at which Stripe maintains User funds. 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 services. A VBAN is the virtual account number tied to the User's Financial Account, provisioned by a Treasury Bank.

Supporting quotations

“Financial Account” means the Stripe Account that Stripe provides to User as part of the Stripe Treasury Services.

“Stripe Treasury Services” means the Services that enable User to (a) access a Financial Account; (b) fund a Financial Account with a Received Credit or with a Balance Transfer; (c) make Outbound Transactions; and (d) engage in other permitted Financial Account Transactions (in each case limited to fiat currency transactions) as further described in the Documentation.

“RSP” means the regulated services provider of the Stripe Treasury Services.

“Treasury Bank” means a bank at which Stripe maintains User funds in connection with the Stripe Treasury Services.

“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.

“VBAN” means the virtual account number associated with User’s Financial Account that is provisioned by a Treasury Bank.

Qualifications & exceptions

• Services are limited to fiat currency transactions.
• The Custodial Account is held in RSP's name for all accountholders together.

Charges & Financial Obligations · Context

Definitions: Regulatory Requirement, Legal Process, Transaction Hold, Transaction Territory, Cut-Off Time

A Financial Account Regulatory Requirement is Law and the rules of the electronic funds transfer networks the Treasury Services use. Legal Process is a writ of attachment, lien, levy, subpoena, warrant or other legal order. A Transaction Hold is a restriction on the availability of funds in a Financial Account or on the User's ability to make a transaction that Stripe places because of delayed funds availability, Legal Process or other circumstances Stripe determines in its sole discretion. The Transaction Territory is any location Stripe may make available from time to time for transactions. A Cut-Off Time is the time on a business day by which RSP must receive an instruction or request to process it the same day.

Supporting quotations

“Financial Account Regulatory Requirement” means Law and the rules of the electronic funds transfer networks the Stripe Treasury Services use.

“Legal Process” means a writ of attachment, lien, levy, subpoena, warrant, or other legal order.

“Transaction Hold” means a restriction on the availability of funds in a Financial Account or on User’s ability to effect a Financial Account Transaction that Stripe places as a result of delayed funds availability, Legal Process, or other circumstances as determined by Stripe in its sole discretion.

“Transaction Territory” means any location that Stripe may make available from time to time for Financial Account Transactions.

“Cut-Off Time” means the time on a business day by which RSP must receive an instruction or Financial Account Transaction request in order to process that instruction or request on the same day.

Qualifications & exceptions

• A Transaction Hold can rest on circumstances Stripe determines in its sole discretion.
• The Transaction Territory can change over time.

Charges & Financial Obligations · Context

Definitions: Financial Account Transaction, Inbound and Outbound Transactions, Received Credit, Recipient

A Financial Account Transaction is an Inbound Transaction or an Outbound Transaction. An Inbound Transaction is any Received Credit, Balance Transfer or other entry that increases the Available Balance, which Stripe may permit from time to time in its discretion. A Received Credit is funds added in a Supported Currency from an external bank account by bank transfer, domestic wire or other supported funding methods. A Balance Transfer moves funds from the User's own Stripe Account payments balance to its Financial Account. An Outbound Transaction is an Outbound Payment, Outbound Transfer or other fiat entry that subtracts from the Available Balance and that Stripe may permit in its sole discretion. An Outbound Payment is a fiat payment from the Financial Account to a Recipient, and an Outbound Transfer is a fiat transfer to the User's own external account. A Recipient is a third party in a Transaction Territory receiving a fiat payment or transfer. A Supported Currency is one the Treasury Services support as Stripe communicates.

Supporting quotations

“Financial Account Transaction” means an Inbound Transaction or an Outbound Transaction.

“Inbound Transaction” means any Received Credit, Balance Transfer, or any other entry or transaction that increases the Available Balance, that Stripe may permit from time to time, in its discretion.

“Received Credit” means the funds added to a Financial Account in a Supported Currency from an external bank account via the bank transfer, domestic wire, or other supported funding methods.

“Balance Transfer” means a transfer from User’s own Stripe Account payments balance, to User’s Financial Account, in accordance with the Stripe Treasury Terms.

“Outbound Transaction” means an Outbound Payment, Outbound Transfer, or any other fiat currency entry or transaction that subtracts from the Available Balance that Stripe may permit from time to time in its sole discretion.

“Outbound Payment” means a fiat currency payment from the Financial Account to a Recipient.

“Outbound Transfer” means a fiat currency transfer from the Financial Account to User’s own external bank, financial institution account, or other account User designates.

“Recipient” means a third party located in a Transaction Territory, that receives a fiat currency payment or transfer from User's Financial Account.

“Supported Currency” means a currency supported under the Stripe Treasury Services as communicated to User by Stripe.

Qualifications & exceptions

• Stripe permits other entries in its discretion or sole discretion.

Charges & Financial Obligations · Restriction or exception

Definition: a Financial Account Transaction Delay includes outages, wrong details, fraud screening and unsupported banks

A Financial Account Transaction Delay is a delay caused by (a) unavailability of, or delay by, a Financial Provider (including a Card Network or clearing network), Governmental Authority, telecommunications provider or internet service provider, including from a Financial Provider's default, insolvency or bankruptcy; (b) incorrect information, such as a bank account number, given to Stripe; (c) the User's equipment, software or technology; (d) a Force Majeure Event; (e) fraud or sanction screening required or requested by Stripe, its Financial Providers or recipient banks; or (f) the recipient bank not being directly integrated with Stripe's clearing system, or the type of account not being supported, such as savings, money market, investment, multi-currency, foreign or correspondent accounts.

Supporting quotations

“Financial Account Transaction Delay” means a delay of a Financial Account Transaction caused by (a) the unavailability of, or delay by, a Financial Provider (including a Card Network or clearing network), Governmental Authority, telecommunications provider, or internet service provider, including as a result of a Financial Provider’s default, insolvency, or bankruptcy; (b) incorrect information, such as a bank account number, provided to Stripe; (c) User’s equipment, software, or other technology; (d) a Force Majeure Event; (e) fraud or sanction screening required or requested by Stripe, its Financial Providers, or recipient banks; or (f) the recipient bank not being directly integrated with the clearing system used by Stripe or the type of recipient bank account not being supported by Stripe (e.g. a savings account, money market or investment account, multi-currency account, or foreign or correspondent account).

Qualifications & exceptions

• During such a delay RSP is not bound by the documented time periods.

Not stated here

• The terms do not say how long a delay may last.

Charges & Financial Obligations · Context

Definitions: Stablecoin, Stablecoin Partner and Stablecoin Partner Terms

A Stablecoin is any fiat-backed cryptocurrency supported by a Stablecoin Partner, which may be updated from time to time as the Partner Terms and the Documentation state. A Stablecoin Partner is an entity, which may be a Stripe Affiliate or a third party, that provides Stablecoin-related services to the User, including exchange, custody, transmission or payout, under the Stablecoin Partner Terms. The Stablecoin Partner Terms govern the Partner's provision of services and the User's access to them, and may be updated from time to time. The Treasury Services themselves do not cover Stablecoin.

Supporting quotations

“Stablecoin” means any fiat-backed cryptocurrency supported by a Stablecoin Partner, which may be updated from time to time as stated in the applicable Stablecoin Partner Terms and the Documentation.

“Stablecoin Partner” means an entity, which may be a Stripe Affiliate or a third party, that provides Stablecoin-related services to User, including the exchange, custody, transmission, or payout of Stablecoin, under the applicable Stablecoin Partner Terms.

“Stablecoin Partner Terms” means the terms that govern the Stablecoin Partner's provision, and User's access to and use of, the Stablecoin Partner Services, and which may be updated from time to time.

Qualifications & exceptions

• The supported Stablecoins and the Partner Terms can change over time.

Not stated here

• The Partner Terms are not part of this text.

Charges & Financial Obligations · Company practice

United States: Treasury includes money transmission by RSP, a licensed transmitter, meaning Stripe Payments Company

For US Users, the Stripe Treasury Services include money transmission services provided by RSP, which is a licensed money transmitter and registered money services business as defined under the Financial Account Regulatory Requirements. Each reference to RSP in the Treasury Terms means Stripe Payments Company.

Supporting quotations

11.1 Regulated Services.

Stripe Treasury Services include money transmission services provided by RSP, and RSP is a licensed money transmitter and registered money services business, as defined under the Financial Account Regulatory Requirements. Each reference to “RSP” in these Stripe Treasury Terms means Stripe Payments Company.

Qualifications & exceptions

• Applies to Users in the United States.

Charges & Financial Obligations · Company practice

United States: RSP holds your funds in a Custodial Account, you earn no interest unless Stripe says so

RSP will hold the funds shown in a Financial Account in a Custodial Account and will control those funds. Section 3.1 (Holding of Funds) of the Stripe Financial Services Terms, and any similar section, does not apply to funds eligible for pass-through FDIC Insurance held in the Custodial Accounts, and Stripe has no rights to any interest earned on funds held in them. Unless Stripe advises otherwise, the User will not earn interest on funds in its Financial Account. A Custodial Account is a custodial account RSP maintains in its own name at the Treasury Bank for the benefit of all accountholders.

Supporting quotations

11.2 Custodial Account; FDIC Insurance.

RSP will hold the funds represented in a Financial Account in a Custodial Account and will have control over those funds. Section 3.1 (Holding of Funds) of the Stripe Financial Services Terms and any similar section in the Agreement will not apply to funds that are eligible for pass-through FDIC Insurance and are held in the Custodial Accounts, and Stripe has no rights to any interest earned on funds held in those accounts. Unless Stripe advises User otherwise, User will not earn interest on funds in User’s Financial Account.

“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

• Section 3.1 is disapplied only for funds eligible for pass-through FDIC Insurance in the Custodial Accounts.
• The User earns no interest unless Stripe advises otherwise.

Charges & Financial Obligations · Company commitment

United States: USD funds are expected to be eligible for pass-through FDIC Insurance, with conditions and limits

Funds held in USD in a Custodial Account, other than an Insurance Ineligible Custodial Account, are expected to be eligible for pass-through FDIC Insurance up to the then-current per depositor limit. Coverage depends on determinations the FDIC makes when the Treasury Bank goes into receivership or other insolvency. The per depositor limit applies to the total of all funds the User has on deposit with the relevant Treasury Bank as beneficial owner, including other accounts there. Insurance applies only to funds that have settled in a Financial Account, not to provisionally credited or pending funds. Stripe may earn a fee from the Treasury Bank in connection with the services. FDIC Insurance is deposit insurance covering certain accounts at FDIC-insured banks, and Insurance Ineligible Custodial Accounts are those the Documentation specifies as not eligible.

Supporting quotations

Funds held in USD in a Custodial Account (other than an Insurance Ineligible Custodial Account) are expected to be eligible for pass-through FDIC Insurance, up to the then-current per depositor limit. FDIC Insurance coverage is contingent on determinations FDIC makes at the time the Treasury Bank goes into receivership or other form of insolvency. The FDIC Insurance per depositor limit applies to the aggregate of all funds that User has on deposit with the relevant Treasury Bank as beneficial owner, including all funds in another account with the Treasury Bank. FDIC Insurance applies only to funds that have settled in a Financial Account and does not apply to funds that are provisionally credited to a Financial Account or that are pending but not yet settled. Stripe may earn a fee from the Treasury Bank in connection with the Stripe Treasury Services.

“FDIC” means Federal Deposit Insurance Corporation.

“FDIC Insurance” means deposit insurance that covers certain types of accounts at FDIC-insured banks.

“Insurance Ineligible Custodial Account” means the Custodial Accounts specified in the Documentation as not eligible for pass-through FDIC insurance.

Qualifications & exceptions

• Eligibility is an expectation, not a guarantee.
• Coverage depends on FDIC determinations at the time of insolvency.
• The per depositor limit counts all the User's funds at the same Treasury Bank.
• Pending or provisionally credited funds are not covered.

Not stated here

• The list of Insurance Ineligible Custodial Accounts is in the Documentation, which is not supplied.

Charges & Financial Obligations · Restriction or exception

United States: you are the Originator of your ACH Entries and must get consents and keep data secure, or risk suspension

Under the Nacha Operating Rules, the User is the Originator of the Entries it originates through its Financial Account. It must (a) get the consent of each payor and payee, in line with the Nacha Operating Rules, before originating an Entry over the ACH Network to debit or credit their account, and (b) keep secure the integrity of all information it collects in making an Entry. RSP may suspend the User's access to the ACH Network if an Entry the User originates leads to a dispute or an unauthorized Financial Account Transaction.

Supporting quotations

11.3 ACH Access.

(a) Origination. Under the Nacha Operating Rules, User is the Originator of the Entries User originates via User’s Financial Account. User must (a) obtain the consent of each of User’s payors and payees in compliance with the Nacha Operating Rules before originating an Entry over the ACH Network to debit or credit their account; and (b) maintain the security and integrity of all information User collects in the course of making an Entry. RSP may suspend User’s access to the ACH Network if User originates an Entry that results in a dispute or unauthorized Financial Account Transaction.

“Nacha Operating Rules” means the rules Nacha publishes that govern automated clearing house transactions on the ACH Network, located at [www.nachaoperatingrulesonline.org](http://www.nachaoperatingrulesonline.org).

Qualifications & exceptions

• Suspension of ACH access can follow an Entry that results in a dispute or unauthorized transaction.

Not stated here

• The Nacha Operating Rules are published externally and are not supplied here.

Charges & Financial Obligations · Restriction or exception

United States: ACH credit Entries follow New York law and are provisional; no Nested Third Party Sender role

The User's rights and obligations for any credit Entry sent over the ACH Network are governed by New York law. Credit the recipient's financial institution gives for a credit Entry is provisional until that institution has received final settlement through a Federal Reserve Bank or otherwise received payment under Section 4A-403(a) of Article 4A of the New York Uniform Commercial Code. If it does not receive payment, it may take a refund from the recipient, and the User will not be considered to have paid the credit Entry to the recipient. The User must not originate Entries as a Nested Third Party Sender, as defined in the Nacha Operating Rules, through its Financial Account.

Supporting quotations

(b) Credit Entries. User’s rights and obligations concerning any credit Entry transmitted via the ACH Network are governed by, and construed in accordance with, the laws of the State of New York. Credit given to the recipient by the recipient’s financial institution for any such credit Entry will be provisional until the recipient’s financial institution has received final settlement through a Federal Reserve Bank or otherwise has received payment as provided for in Section 4A-403(a) of Article 4A of the Uniform Commercial Code as enacted in the State of New York. If the recipient’s financial institution does not receive such payment for the credit Entry, the recipient’s financial institution is entitled to a refund from the recipient in the amount of the credit to the recipient’s account, and User will not be considered to have paid the amount of the credit Entry to the recipient. User must not originate Entries as a Nested Third Party Sender (as defined in the Nacha Operating Rules) through User’s Financial Account.

Qualifications & exceptions

• Credit to the recipient is provisional until final settlement.

Not stated here

• Article 4A of the UCC and the Nacha definition of Nested Third Party Sender are external and not supplied here.

Charges & Financial Obligations · Restriction or exception

United States: RSP may rely on the routing and account number you give, even if it names a different person

RSP and anyone else involved in a Financial Account Transaction may rely on the routing number and account number the User gives in a transfer instruction. If the instruction names a different person from the account owner identified by the number, RSP and anyone else handling it may still rely exclusively on the number.

Supporting quotations

11.5 Account Numbers.

RSP and any other person involved in the Financial Account Transaction may rely on the routing number and account number that User provides when giving a transfer instruction. If the transfer instruction identifies a different person from the account owner identified by the number, RSP and any other person that handles the instruction may still rely exclusively on the number.

Qualifications & exceptions

• Reliance on the number is exclusive even where the named person differs.

Charges & Financial Obligations · Context

United States definitions: Insurance Ineligible Custodial Account and User Territory

For the United States, an Insurance Ineligible Custodial Account is one of the Custodial Accounts the Documentation specifies as not eligible for pass-through FDIC insurance. The User Territory means the United States and its territories and protectorates, excluding the Northern Mariana Islands, US Virgin Islands and Guam.

Supporting quotations

11.6. Definitions.

“Insurance Ineligible Custodial Account” means the Custodial Accounts specified in the Documentation as not eligible for pass-through FDIC insurance.

“User Territory” means the United States and its territories and protectorates (excluding the Northern Mariana Islands, US Virgin Islands, and Guam).

Qualifications & exceptions

• The User Territory excludes three named territories.

Not stated here

• The Documentation's list of ineligible Custodial Accounts is not supplied.

Charges & Financial Obligations · Restriction or exception

United Kingdom: you must report errors and unauthorized transactions immediately and no later than 13 months

The Regional Terms apply for Users in the United Kingdom. For them, Section 2.2(c) (Errors) is replaced: if the User believes there is an error in a Financial Account Transaction, or that an unauthorized one has occurred, it must notify Stripe and give all information Stripe requests immediately and without undue delay, and no later than 13 months from the date the transaction appears on its Financial Account. The base clause required only prompt notice and gave no outer limit.

Supporting quotations

United Kingdom.

The following Regional Terms apply for Users in the United Kingdom.

11.1 Modifications.

(a) Section 2.2(c) (Errors) is replaced with the following clause: “If User believes that there is an error in a Financial Account Transaction, or an unauthorized Financial Account Transaction has occurred, User must notify Stripe and provide all information requested by Stripe immediately and without undue delay, and no later than 13 months from the date that Financial Account Transaction appears on User’s Financial Account.”

Qualifications & exceptions

• Applies to Users in the United Kingdom.
• The 13 months run from the date the transaction appears on the account.

Cross-references

• contrast (model-proposed): You are responsible for accurate payment instructions and must promptly report errors or unauthorized transactions — contrast: For UK Users the error-reporting clause is replaced by one that adds an outer limit of 13 months; the base clause requires prompt notice with no stated outer limit.

Charges & Financial Obligations · Permission or license

United Kingdom: Stripe PSP may hold a settled transaction's amount while a forgery or improper-payment claim is resolved

For UK Users, Section 3.3(b) (Transaction Hold) is replaced: if, after final settlement of a Financial Account Transaction, the User or a third party claims it was altered, contained a forged or unauthorized signature or endorsement, or was not properly payable for any reason, Stripe PSP may place a Transaction Hold for the amount of that transaction on the User's Financial Account until the claim is finally investigated and resolved. A Transaction Hold is a restriction on the availability of funds or on the User's ability to transact that Stripe places because of delayed funds availability, Legal Process or other circumstances it determines in its sole discretion.

Supporting quotations

(b) Section 3.3(b) (Transaction Hold) is replaced with the following clause: “If after final settlement of any Financial Account Transaction, User or any third party asserts a claim alleging that the Financial Account Transaction was altered, contained a forged or unauthorized signature or endorsement, or was not properly payable for any reason, then Stripe PSP may place a Transaction Hold for the amount of the Financial Account Transaction from User’s Financial Account until the claim is finally investigated and resolved.”

“Transaction Hold” means a restriction on the availability of funds in a Financial Account or on User’s ability to effect a Financial Account Transaction that Stripe places as a result of delayed funds availability, Legal Process, or other circumstances as determined by Stripe in its sole discretion.

Qualifications & exceptions

• The hold lasts until the claim is finally investigated and resolved.

Not stated here

• No time limit for the investigation is stated.

Charges & Financial Obligations · Company practice

United Kingdom: once made, an Outbound Transaction is a redemption of E-money at par with its value

For UK Users, Section 3.4 (Outbound Transaction Initiation) gets an added closing clause: once the Outbound Transaction is made, this results in a redemption of E-money on par with the value of that Outbound Transaction. An Outbound Transaction is an Outbound Payment, Outbound Transfer or other fiat entry that subtracts from the Available Balance and that Stripe may permit in its sole discretion.

Supporting quotations

(c) Section 3.4 (Outbound Transaction Initiation) is modified by adding the following clause to the end of Section 3.4: “Once the Outbound Transaction is made, this will result in a redemption of E-money on par with the value of that Outbound Transaction.”

“Outbound Transaction” means an Outbound Payment, Outbound Transfer, or any other fiat currency entry or transaction that subtracts from the Available Balance that Stripe may permit from time to time in its sole discretion.

Qualifications & exceptions

• Applies to Users in the United Kingdom.

Charges & Financial Obligations · Company practice

United Kingdom: your Financial Account is an E-money account issued by Stripe PSP, and RSP means Stripe Payments UK Ltd

For UK Users, the Financial Account is an E-money account, Stripe PSP issues the E-money held in it, and each reference to RSP in the Treasury Terms means Stripe Payments UK Ltd. E-money here means electronic money as defined in the Electronic Money Regulations 2011 (SI 2011/99), as the E-money Services section of the document sets out.

Supporting quotations

11.2. E-Money Issuer.

User’s Financial Account is an E-money account. Stripe PSP is the issuer of the E-money held in User’s Financial Account. Each reference to “RSP” in these Stripe Treasury Terms means Stripe Payments UK Ltd.

Depending on User’s location and, if applicable, User’s Connected Accounts’ locations, Stripe may offer E-money Services to User. “E-money” means electronic money as defined in the Electronic Money Regulations 2011 (SI 2011/99). The terms in this section only apply if Stripe provides E-money Services to User. User may use the Services to purchase E-money from Stripe, to send and receive E-money, and, if applicable, to transfer E-money to and from Connected Accounts. User will not receive any earnings from E-money that Stripe issues or holds. As the provider of Regulated Financial Services, Stripe PSP will be the only Stripe party liable to User for issuing, redeeming and transferring E-Money. If Stripe PSP issues E-money to User, Stripe PSP will safeguard funds received from User in exchange for that E-money according to Law. User may use the Stripe Technology to redeem E-money Stripe PSP holds for User for par value.

Qualifications & exceptions

• Applies to Users in the United Kingdom.

Not stated here

• The Electronic Money Regulations 2011 are external and not supplied.

Charges & Financial Obligations · User right or choice

United Kingdom: Stripe reimburses unauthorized transactions, but you bear the first £35 if you should have been aware

For UK Users, Stripe will reimburse the User for any unauthorized Financial Account Transaction where Stripe determines the User did not authorize the underlying transaction, except that the User is liable for the first £35 of any unauthorized transaction where Stripe reasonably believes the User should have been aware of the unauthorized use.

Supporting quotations

11.3 Transaction Management.

(a) Liability for Unauthorized Transactions. Stripe will reimburse User for any unauthorized Financial Account Transaction where Stripe determines that User has not authorized the underlying Financial Account Transaction, provided that User will be liable for the first £35 of any unauthorized Financial Account Transaction where Stripe reasonably believes User should have been aware of the unauthorized use.

Qualifications & exceptions

• Reimbursement depends on Stripe's determination that the User did not authorize the transaction.
• The £35 share applies only where Stripe reasonably believes the User should have been aware.

Cross-references

• contrast (model-proposed): You are responsible for all transactions, authorized or not; Stripe disclaims liability for failures and lost funds — contrast: UK Users get a reimbursement right for unauthorized transactions (with a £35 share), while the base clause makes the User responsible for all transactions whether or not authorized.

Charges & Financial Obligations · Restriction or exception

United Kingdom: no reimbursement if you misused the account, were grossly negligent, left it insecure or did not report

Stripe is not liable for an unauthorized transaction where (a) the User used a Financial Account for an Unauthorized Purpose or with intent or gross negligence, or failed to use it in line with the Treasury Terms, including by not taking all reasonable steps to keep account credentials and the devices it uses secure and confidential at all times; or (b) the User failed to notify Stripe of the unauthorized use immediately. An Unauthorized Purpose is a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the Treasury Services.

Supporting quotations

However, Stripe will not be liable for any unauthorized transaction where (a) User used a Financial Account for an Unauthorized Purpose or with intent or gross negligence, failed to use the Financial Account in accordance with these Stripe Treasury Terms, including to take all reasonable steps to keep account credentials and the devices on which User accesses User’s Financial Account secure and confidential at all times; or (b) User failed to immediately notify Stripe of the unauthorized use.

“Unauthorized Purpose” means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Stripe Treasury Services.

Qualifications & exceptions

• Either ground (a) or (b) removes Stripe's liability.
• Consumer, personal or household use counts as an Unauthorized Purpose.

Charges & Financial Obligations · Permission or license

United Kingdom: Stripe may recoup a reimbursement if the transaction proves duly authorized and correctly executed

If Stripe reimburses the User for an unauthorized or incorrectly executed Financial Account Transaction and later determines it was duly authorized and correctly executed, Stripe may recoup or set off an amount equal to the reimbursement from the User's Financial Account.

Supporting quotations

If Stripe reimburses User for an unauthorized or incorrectly executed Financial Account Transaction and subsequently determines that the relevant Financial Account Transaction was duly authorized and correctly executed, Stripe may recoup or set off an amount equal to that reimbursed amount from User’s Financial Account.

Qualifications & exceptions

• Applies after Stripe determines the transaction was authorized and correctly executed.

Charges & Financial Obligations · User right or choice

United Kingdom: Stripe reimburses authorized push payment scams as regulations require, and you must report them at once

Stripe will reimburse the User for relevant Financial Account Transactions as and when required to comply with the Financial Account Regulatory Requirements on authorized push payment scams. If the User believes it has been the subject of such a scam, it must report the transactions immediately through the Stripe Dashboard.

Supporting quotations

(b) Reimbursements of Authorized Push Payments. Stripe will reimburse User for relevant Financial Account Transactions as and when required to comply with the Financial Account Regulatory Requirements relating to authorized push payment scams. If User believes that User has been subject to an authorized push payment scam, User must immediately report any such Financial Account Transactions through the Stripe Dashboard.

Qualifications & exceptions

• Reimbursement is as and when the Regulatory Requirements require.
• Reporting must be immediate and through the Stripe Dashboard.

Not stated here

• The Regulatory Requirements that set the amounts and conditions are not supplied.

Charges & Financial Obligations · Context

United Kingdom definitions: Unauthorized Purpose and User Territory (the United Kingdom)

An Unauthorized Purpose is a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the Stripe Treasury Services. For UK Users, the User Territory means the United Kingdom.

Supporting quotations

11.4 Definitions.

“Unauthorized Purpose” means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Stripe Treasury Services.

“User Territory” means the United Kingdom.

Qualifications & exceptions

• An Unauthorized Purpose includes consumer, personal or household purposes.

Charges & Financial Obligations · Context

Treasury for Platforms Accountholder Terms add to three other term sets (last modified September 28, 2026)

These Stripe Treasury for Platforms Accountholder Terms, last modified September 28, 2026, supplement the General Terms and, together with the Stripe Financial Services Terms and the Stripe Treasury Terms, which they incorporate by reference, govern the use of the Treasury for Platforms Services as a Treasury for Platforms Accountholder. If the User is a Stripe Connect Platform using the services for its own business purposes, the terms apply to it as an Accountholder and references to the Stripe Connect Platform also refer to the 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.

Supporting quotations

Last modified: September 28, 2026

These terms (“Stripe Treasury for Platforms Accountholder Terms”) supplement the General Terms, and together with the Stripe Financial Services Terms and the Stripe Treasury Terms, each of which are incorporated into these terms by this reference, govern the use of the Stripe Treasury for Platforms Services as a Stripe Treasury for Platforms Accountholder. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms, the Stripe Financial Services Terms, or the Stripe Treasury Terms. If User is a Stripe Connect Platform using the Stripe Treasury for Platforms Services for User’s own business purposes, these Stripe Treasury for Platforms Accountholder Terms apply to User as a Stripe Treasury for Platforms Accountholder, and references to “Stripe Connect Platform” in these terms are also references to User.

“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.

Qualifications & exceptions

• A Connect Platform using the services for its own business is treated as an Accountholder.

Not stated here

• The onboarding requirements are in the part of the definition not shown in this section.

Charges & Financial Obligations · Restriction or exception

Treasury for Platforms is money transmission; you must reside in its Territory and may fund and transfer by ACH or wire

The Treasury for Platforms Services are money transmission services, and RSP is a licensed money transmitter and registered money services business as defined under the Financial Accounts Regulatory Requirements. The User must reside in the Treasury for Platforms Territory (the United States and Puerto Rico, or other jurisdictions Stripe permits as the Documentation describes) to use them. The User's Stripe Connect Platform provides access, if applicable. Subject to those requirements, the User and its Authorized Users can (a) add funds to the Financial Account by ACH, wire transfer and other supported funding methods and (b) transfer funds out to any account that can receive ACH or wire transfers at any financial institution. The services let an Accountholder create and maintain a Financial Account in which it can store, spend and manage funds.

Supporting quotations

2. Use of the Stripe Treasury for Platforms Services.

2.1 Scope.

Stripe Treasury for Platforms Services are money transmission services, and RSP is a licensed money transmitter and registered money services business, as defined under the Financial Accounts Regulatory Requirements. User must reside in the Stripe Treasury for Platforms Territory to use the Stripe Treasury for Platforms Services. User’s Stripe Connect Platform will provide User access to the Stripe Treasury for Platforms Services (if applicable). Subject to the Financial Accounts Regulatory Requirements and these Stripe Treasury for Platforms Accountholder Terms, User and User’s Treasury for Platforms Authorized Users will be able to (a) add funds to User’s Financial Account via ACH, wire transfer, and other supported funding methods; and (b) transfer funds from User’s Financial Account to any account able to receive ACH or wire transfers at any financial institution.

“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

• Residence in the Territory is required.
• Other jurisdictions apply only if Stripe permits them.

Not stated here

• The Territory is described here for the US version; other versions have their own Territory definitions.

Charges & Financial Obligations · Company practice

RSP processes incoming transfers first, then outgoing ones, by Cut-Off Time; provisional credits may be reversed

RSP processes the User's Financial Account Transactions each business day in this order: first, transfers into the account that RSP receives from the User's Stripe Connect Platform before the Cut-Off Time, in the order received, with credited amounts provisional until the funds clear; second, transfers out (other transactions that deduct funds) that RSP receives by the Cut-Off Time, in the order received. Reversals of provisional credits may happen at any time during this process, and RSP may use a different order if the Financial Account Regulatory Requirements require. A Cut-Off Time is the time on a business day by which RSP must receive an instruction for same-day processing.

Supporting quotations

5.4 Processing Order.

RSP will process User’s Financial Account Transactions on each business day in the following order:

(a) first, transfers to User’s Financial Account that RSP receives from User’s Stripe Connect Platform before the Cut-Off Time will be processed in the order in which RSP receives them, but any amounts credited to User’s Financial Account are provisionally credited until those funds clear; and

(b) second, transfers from User’s Financial Account (e.g., other Financial Account Transactions resulting in deducting funds from User’s Financial Account) that RSP receives by the Cut-Off Time will be processed in the order in which RSP receives them.

Reversals of provisional credits may occur at any time during this process. RSP may use a different processing order if the Financial Account Regulatory Requirements require.

“Cut-Off Time” means the time on a business day by which RSP must receive an instruction or Financial Account Transaction request in order to process that instruction or request on the same day.

Qualifications & exceptions

• Credits are provisional until funds clear.
• A different order may be used if the regulatory requirements require it.

Charges & Financial Obligations · Restriction or exception

There is no overdraft feature; RSP may return a transaction or let it overdraw, and third-party penalties are yours

There is no overdraft feature for the Financial Account. If the Available Balance cannot cover a transaction in processing order, RSP may return or reject it, or may let it go ahead, in which case the account may become overdrawn. RSP does not charge a fee when it returns or rejects a transaction for insufficient funds. Third parties may charge fees or other charges, such as penalty interest, for dishonored or late payments, and the User is solely responsible for them.

Supporting quotations

5.5 No Overdraft Feature.

There is no overdraft feature associated with User’s Financial Account. If User’s Available Balance is not sufficient to pay for each Financial Account Transaction in the order in which it is processed, RSP may return or reject the Financial Account Transaction, or RSP may permit the Financial Account Transaction to proceed, in which case User’s Financial Account may become overdrawn. RSP does not impose a fee when it returns or rejects a Financial Account Transaction for which there are insufficient funds. However, third parties may impose a fee or other charge (such as penalty interest) for dishonored or late payments, and User is solely responsible for those fees and charges.

Qualifications & exceptions

• RSP may allow a transaction to overdraw the account.
• RSP charges no fee for returning a transaction for insufficient funds.

Charges & Financial Obligations · User right or choice

To stop a scheduled transfer, act in time for your platform to instruct RSP at least 3 business days ahead

To stop a scheduled or preauthorized transfer, the User must instruct its Stripe Connect Platform in time for the platform to instruct RSP at least 3 business days before the day the transaction is scheduled. If the User scheduled or preauthorized it through the Treasury for Platforms Dashboard, it may change or cancel it there at least 3 business days before the scheduled day.

Supporting quotations

5.6 User’s Right to Stop Payment.

If User wishes to stop any scheduled or preauthorized transfer from User’s Financial Account, then User must give User’s Stripe Connect Platform instructions to do so in time for the Stripe Connect Platform to instruct RSP at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made. If User scheduled or preauthorized the transfer via the Stripe Treasury for Platforms Dashboard, then User may change or cancel the transfer via the Stripe Treasury for Platforms Dashboard at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made.

Qualifications & exceptions

• The cut-off is 3 business days before the scheduled day.

Charges & Financial Obligations · Permission or license

RSP may refuse a transaction for insufficient funds, unverified information, security or rule violations

To the extent the Regulatory Requirements do not prohibit it, RSP may refuse to complete any Financial Account Transaction, including (a) if the account has insufficient funds; (b) if RSP cannot verify ownership of, or other information about, the account or the person or entity funds are going to or coming from; (c) to protect the security of the account and RSP's systems; or (d) if the transaction would violate the Accountholder Terms or the Regulatory Requirements.

Supporting quotations

5.7 RSP's Right to Refuse.

To the extent the Financial Account Regulatory Requirements do not prohibit the actions listed in this Section, RSP may refuse to complete any Financial Account Transaction, including:

(a) if User’s Financial Account has insufficient funds to cover a Financial Account Transaction;

(b) if RSP is unable to verify ownership of or other information about User’s Financial Account, or the individual or entity to or from whom the funds will be transferred;

(c) to protect the security of User’s Financial Account and RSP’s systems; or

(d) if the Financial Account Transaction would violate these Stripe Treasury for Platforms Accountholder Terms or the Financial Account Regulatory Requirements.

Qualifications & exceptions

• The list says “including”, so it is not exhaustive.
• Subject to what the Regulatory Requirements permit.

Charges & Financial Obligations · Restriction or exception

Limits on the number and value of transactions apply, and RSP or your platform may change or reduce them without notice

There are limits on the number and value of Financial Account Transactions the User may make, described on the Treasury for Platforms Dashboard or otherwise disclosed by RSP or its Stripe Connect Platform. RSP may allow transactions that exceed the limits, or temporarily reduce the User's limits from time to time without notice unless the Regulatory Requirements require otherwise. RSP or the platform may change the limits at any time.

Supporting quotations

5.8 Financial Account Transaction Limitations.

There are limits on the number and value of Financial Account Transactions that User may make from User’s Financial Account, which are described on the Stripe Treasury for Platforms Dashboard or otherwise disclosed by RSP or User’s Stripe Connect Platform. RSP may allow Financial Account Transactions that exceed applicable limits, or temporarily reduce User’s limits from time to time without notice (unless the Financial Account Regulatory Requirements require otherwise). RSP or User’s Stripe Connect Platform may change the limits at any time.

Qualifications & exceptions

• Temporary reductions need no notice unless the Regulatory Requirements require it.

Not stated here

• The limits themselves are not stated here.

Charges & Financial Obligations · Restriction or exception

You must review transactions promptly and report errors within 30 days and unauthorized transactions within one day

The User must review its Financial Account history and each transaction as soon as possible. If it believes there is an error or discrepancy, it must tell its Stripe Connect Platform promptly and no later than 30 days after the platform makes the history available, or a longer period the Regulatory Requirements state. If it believes an unauthorized transaction has been made, it must tell the platform immediately and in any case within 1 day of becoming aware, and give a written statement with details if RSP or the platform asks. If it does not notify as required, or the platform does not notify RSP in time, losses from the unauthorized transaction may not be recoverable, or recovery may be slower or harder.

Supporting quotations

5.9 Reviewing User’s Financial Account Transactions.

(a) Obligation to Review. User must review User’s Financial Account history and each Financial Account Transaction as soon as possible. If User believes that there is an error or discrepancy in a Financial Account Transaction, User must notify User’s Stripe Connect Platform promptly, and no later than 30 days after User’s Stripe Connect Platform makes the Financial Account history available to User (or, if applicable, a longer period stated in the Financial Account Regulatory Requirements). If User believes an unauthorized Financial Account Transaction has been made on User’s Financial Account, then User must immediately notify User’s Stripe Connect Platform, and in any case within 1 day after User becomes aware. If RSP or User’s Stripe Connect Platform requests, User must submit a written statement with details about the unauthorized Financial Account Transaction. If User fails to notify User’s Stripe Connect Platform as required under this Section, or User’s Stripe Connect Platform does not notify RSP in a timely manner, then losses, damages, or costs User suffers as a result of the unauthorized Financial Account Transaction may not be recoverable, or recovery may be more time consuming or difficult.

Qualifications & exceptions

• Error reports are due within 30 days; unauthorized transactions within 1 day of awareness.
• Late notice may make losses unrecoverable.

Charges & Financial Obligations · Permission or license

RSP may withhold a settled transaction's amount while a claim of alteration, forgery or improper payment is resolved

If, after final settlement of a Financial Account Transaction, the User or any third party tells the User's Stripe Connect Platform that the transaction was altered, contained a forged or unauthorized signature or endorsement, or was not properly payable for any reason, RSP may withhold the amount of the transaction from the User's Financial Account until the claim is finally investigated and resolved.

Supporting quotations

5.10 Withholding Financial Account Transactions.

If after final settlement of any Financial Account Transaction, User or any third party asserts a claim to User’s Stripe Connect Platform alleging that the Financial Account Transaction was altered, contained a forged or unauthorized signature or endorsement, or was not properly payable for any reason, then RSP may withhold the amount of the Financial Account Transaction from User’s Financial Account until the claim is finally investigated and resolved.

Qualifications & exceptions

• The withholding lasts until the claim is finally investigated and resolved.

Not stated here

• No time limit for the investigation is stated.

Charges & Financial Obligations · Restriction or exception

You are responsible for all transactions, authorized or not; Stripe Parties disclaim liability for failures and refusals

The User is responsible for all Financial Account Transactions on its account, whether or not authorized. To the maximum extent Law permits, the Stripe Parties are not liable to the User, its Affiliates or any third party for losses, damages or costs from (a) a failed transaction, including RSP refusing or declining one or a failure from circumstances outside RSP's control; (b) RSP or the User's platform completing a transaction or acting on incorrect or incomplete information; (c) RSP refusing to follow the platform's instructions under Section 3.3; or (d) any correspondent bank's negligence or failure, or funds lost in transit.

Supporting quotations

5.11 Liability Related to Financial Account Transactions.

User is responsible for all Financial Account Transactions on User’s Financial Account, whether or not they are authorized. To the maximum extent permitted by Law, the Stripe Parties will not be liable to User, User’s Affiliates, or any third party for any losses, damages, or costs arising out of or relating to:

(a) a failed Financial Account Transaction on User’s Financial Account, including if RSP decides to refuse to pay or decline any Financial Account Transaction or if a Financial Account Transaction fails due to circumstances outside of RSP’s control;

(b) RSP or User’s Stripe Connect Platform completing a Financial Account Transaction or otherwise acting in reliance upon any incorrect or incomplete information provided or made available to RSP or User’s Stripe Connect Platform;

(c) RSP’s refusal to comply with User’s Stripe Connect Platform’s instructions under Section 3.3 of these Stripe Treasury for Platforms Accountholder Terms; or

(d) any correspondent bank’s negligence or failure, or funds lost in transit.

Qualifications & exceptions

• The disclaimer applies to the maximum extent Law permits.

Charges & Financial Obligations · Company practice

Your platform must disclose the fees that apply to you when you request access, and any changes before they take effect

The User's Stripe Connect Platform is responsible for telling the User all fees, if any, that apply to its use of the Treasury for Platforms Services. The platform will disclose them when the User requests access and will disclose any changes before they take effect.

Supporting quotations

6. Fees and Security.

6.1 Fee Disclosure.

User’s Stripe Connect Platform is responsible for disclosing to User all applicable fees (if any) that apply to User’s use of the Stripe Treasury for Platforms Services. User’s Stripe Connect Platform will disclose those fees at the time User requests access to the Stripe Treasury for Platforms Services and will disclose any changes before they take effect.

Qualifications & exceptions

• Fees are disclosed by the platform, not set out in these terms.

Not stated here

• The fee amounts are not in these terms.

Charges & Financial Obligations · Restriction or exception

You are liable to RSP for losses from disputes on your account, and RSP may deduct or set them off without prior notice

To the maximum extent Law permits, the User is liable to RSP for all losses, damages and costs RSP incurs from any dispute involving the User's Financial Account, including from relying on its Stripe Connect Platform's representations or instructions. The User authorizes RSP to (i) deduct those amounts from funds in the Financial Account or (ii) set them off under Section 6.3, with or without prior notice.

Supporting quotations

6.2 User’s Responsibility for Disputes.

To the maximum extent permitted by Law, User is liable to RSP for all losses, damages, and costs that RSP incurs as a result of any dispute involving User’s Financial Account, including as a result of relying on User’s Stripe Connect Platform’s representations or instructions. User authorizes RSP to (i) deduct these losses, damages, and costs from funds in User’s Financial Account; or (ii) set them off in accordance with Section 6.3 of these Stripe Treasury for Platforms Accountholder Terms with or without prior notice to User.

Qualifications & exceptions

• Liability covers RSP's reliance on the platform's representations or instructions.
• Deduction or set-off may happen without prior notice.

Charges & Financial Obligations · Permission or license

RSP may deduct, recoup or set off fees you owe even if it overdraws the account, or invoice them payable in 30 days

RSP may deduct, recoup or set off all fees the User owes it, if any, from funds in the Financial Account, even if this causes an overdraft. Alternatively, RSP may invoice the User for some or all of the fees monthly in arrears, and the User must pay within 30 days after the invoice date.

Supporting quotations

6.3 Setoff.

RSP may deduct, recoup or setoff all fees User owes RSP (if any) from funds in User’s Financial Account, even if this would cause an overdraft. Alternatively, RSP may invoice User for some or all of those fees on a monthly basis in arrears, and User must pay the fees within 30 days after the date of the invoice.

Qualifications & exceptions

• Setoff may cause an overdraft.
• Invoiced fees are payable within 30 days of the invoice date.

Charges & Financial Obligations · Context

Definitions: Custodial Account, Cut-Off Time, Reversal, Account Information, Treasury for Platforms Services

A Custodial Account is a custodial account RSP maintains in its own name at the Treasury Bank for all accountholders using the Treasury Services. A Cut-Off Time is the time on a business day by which RSP must receive an instruction or request to process it the same day. A Reversal is the reversal of the settlement of funds for a Transaction. Treasury for Platforms Account Information is Personal Data or business information a Connect Platform provides for its Connected Accounts so Stripe and its Affiliates can check eligibility, make the services available to Accountholders, and meet their responsibilities to the Treasury Banks and electronic funds transfer networks the services use. The Treasury for Platforms Services let an Accountholder create and maintain a Financial Account where it can store, spend and manage funds and make electronic payments and transfers.

Supporting quotations

“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.

“Cut-Off Time” means the time on a business day by which RSP must receive an instruction or Financial Account Transaction request in order to process that instruction or request on the same day.

“Reversal” means the reversal of the settlement of funds for a Transaction.

“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.

Charges & Financial Obligations · Context

Definitions: Account Information, Dashboard, Services, Territory (US and Puerto Rico) and Authorized User

Treasury for Platforms Account Information is Personal Data or business information a Stripe Connect Platform provides for its Connected Accounts so Stripe and its Affiliates can (a) determine their eligibility for the services, (b) make the services available to Accountholders, and (c) meet their responsibilities to applicable Treasury Banks and electronic funds transfer networks. The Dashboard is a user interface Stripe or a Connect Platform provides for an Accountholder to manage its Financial Account. The Treasury for Platforms Services let an Accountholder create and maintain a Financial Account to store, spend and manage funds and make electronic payments and transfers. The Territory is the United States and Puerto Rico, or other jurisdictions Stripe permits as the Documentation describes. An Authorized User is an individual an Accountholder authorizes to use the services.

Supporting quotations

“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 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 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.

“Stripe Treasury for Platforms Territory” means the United States and Puerto Rico, or such other jurisdictions Stripe permits, as further described in the Documentation.

"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

• The Territory can include other jurisdictions Stripe permits.

Not stated here

• The Documentation that may add jurisdictions is not supplied.

Charges & Financial Obligations · Context

Platform Terms govern offering Treasury for Platforms to your Connected Accounts, not your own use

These Stripe Treasury for Platforms - Platform Terms, last modified September 28, 2026, supplement the General Terms, the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms, and govern the User's ability to offer the Treasury for Platforms Services to its Connected Accounts. They do not apply to the User's use of the services for its own business; for that, the Accountholder Terms apply to the User as an Accountholder, and references to the Stripe Connect Platform in them also refer to the User. Capitalized terms not defined here take their meaning from those three sets of terms.

Supporting quotations

Last modified: September 28, 2026

These terms (“Stripe Treasury for Platforms - Platform Terms”) supplement the General Terms, the Stripe Financial Services Terms, and the Stripe Connect Infrastructure Terms, and govern User’s ability to offer the Stripe Treasury for Platforms Services to its Connected Accounts. These Stripe Treasury for Platforms - Platform Terms do not apply to User’s use of the Stripe Treasury for Platforms Services for User’s own business purposes. If User wishes to use the Stripe Treasury for Platforms Services for those purposes, then the Stripe Treasury for Platforms Accountholder Terms will apply to User as a Stripe Treasury for Platforms Accountholder, except that references to “Stripe Connect Platform” in those terms are also references to User. Capitalized terms that are not defined in these Stripe Treasury for Platforms - Platform Terms have the same meanings given to them in the General Terms, the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms.

Qualifications & exceptions

• The Platform Terms do not apply to the User's own business use.

Charges & Financial Obligations · Restriction or exception

You are responsible, and jointly and severally liable, for all Activity on your Connected Accounts

The User is responsible and liable to Stripe for all Activity on Connected Accounts in connection with the Treasury for Platforms Services, whether or not the User started it, including all Financial Account Transactions, related fines, and any use of the services prohibited by the Platform Terms, the Accountholder Terms or the Connected Account Agreement. The User and the relevant Connected Account are jointly and severally liable to Stripe for amounts the Connected Account owes it, and Stripe may collect them from the User. If Stripe decides the User's responsibility creates an unacceptable risk to Stripe, it may use its remedies in Section 8.2 (Stripe Remedies).

Supporting quotations

4.2 Responsibility for Activity.

User is responsible and liable to Stripe for all Activity on Connected Accounts in connection with the Stripe Treasury for Platforms Services, whether initiated by User or not, including all Financial Account Transactions, associated fines, and any use of the Stripe Treasury for Platforms Services in a manner prohibited under these Stripe Treasury for Platforms - Platform Terms, the Stripe Treasury for Platforms Accountholder Terms, or the Connected Account Agreement. User and the relevant Connected Account are jointly and severally liable to Stripe for amounts the Connected Account owes to Stripe, and Stripe may collect these amounts from User in accordance with this Agreement. If Stripe determines that User’s responsibility for Activity on Connected Accounts creates an unacceptable risk to Stripe, Stripe may exercise its remedies listed in Section 8.2 (Stripe Remedies).

Qualifications & exceptions

• Liability applies whether or not the User initiated the Activity.
• Joint and several liability means Stripe can collect the whole amount from the User.

Not stated here

• Section 8.2 is a later section of these terms.

Charges & Financial Obligations · Restriction or exception

You must clearly tell each Accountholder your fees and whether they are Stripe passthrough fees

The User must clearly tell each Accountholder all fees, if any, that it charges for the Treasury for Platforms Services, and say whether or not those fees are passthrough fees from Stripe.

Supporting quotations

5.4 Communicating Fees.

User must clearly communicate to each Stripe Treasury for Platforms Accountholder all fees (if any) that User charges that are related to the Stripe Treasury for Platforms Services, and specify whether or not those fees are passthrough fees from Stripe.

Charges & Financial Obligations · Restriction or exception

Conversion rates follow the Documentation, and you must give Accountholders the required conversion information

If a requested Financial Account Transaction needs a currency conversion, the exchange rate is determined as the Documentation states. The User must give the Accountholder all required information about the conversion in line with the Documentation and the Financial Account Regulatory Requirements.

Supporting quotations

5.5 Currency Conversion.

If a requested Financial Account Transaction requires a currency conversion, then the exchange rate used for that conversion will be determined as stated in the Documentation. User must communicate to the Stripe Treasury for Platforms Accountholder all requisite/required information about the currency conversion in accordance with the Documentation and the Financial Account Regulatory Requirements.

Not stated here

• The Documentation's rate and information rules are not supplied.

Charges & Financial Obligations · Permission or license

You authorize Stripe to debit your bank or Stripe Accounts to cure an Accountholder's negative balance

The User authorizes Stripe to debit each User Bank Account or Stripe Account, at Stripe's discretion, to cure any negative balance of an Accountholder.

Supporting quotations

User authorizes Stripe to debit each User Bank Account or Stripe Account, at Stripe’s discretion, to cure any negative balance of a Stripe Treasury for Platforms Accountholder.

Qualifications & exceptions

• Debiting is at Stripe's discretion.

Not stated here

• The terms set no notice requirement before a debit.

Charges & Financial Obligations · Permission or license

After a triggering event, Stripe may set up a Reserve, debit accounts, suspend submissions or refuse processing

If a Section 8.1 event occurs, Stripe may do one or more of the following: (a) establish, fund and use a Reserve; (b) debit each User Bank Account, Financial Account or Stripe Account to cure any negative balance of an Accountholder; (c) suspend or end the User's ability to submit Financial Account Transactions; and (d) refuse to process Financial Account Transactions.

Supporting quotations

8.2 Stripe Remedies.

If an event described in Section 8.1 (Triggering Event) occurs, then Stripe may do one or more of the following:

(a) establish, fund, and use a Reserve;

(b) debit each User Bank Account, Financial Account, or Stripe Account to cure any negative balance of a Stripe Treasury for Platforms Accountholder;

(c) suspend or terminate User's ability to submit Financial Account Transactions; and

(d) refuse to process Financial Account Transactions.

Qualifications & exceptions

• Available once a Section 8.1 triggering event occurs.
• Stripe may use one or more of the remedies.

Not stated here

• The size of any Reserve is not stated here.

Charges & Financial Obligations · Restriction or exception

You bear all fraud losses and audit costs, and the General Terms' liability limits do not apply

As between the parties, the User is responsible for all (a) losses, damages and costs Stripe and its Affiliates incur from fraudulent Financial Account Transactions, and the limitations on liability in Sections 8.3 and 8.4 of the General Terms (Limitation on Indirect Liability; Liability Cap) do not apply to them; and (b) costs of any Financial Provider-initiated audit or forensic investigation arising from the User's offering of the Treasury for Platforms Services.

Supporting quotations

9. Fraudulent Transactions.

As between the parties, User is responsible for all: (a) losses, damages, and costs Stripe and its Affiliates incur due to fraudulent Financial Account Transactions, and the limitations on liability in Section 8.3 and 8.4 of the General Terms (Limitation on Indirect Liability; Liability Cap) do not apply; and (b) costs associated with any Financial Provider-initiated audit or forensic investigation arising out of or relating to User’s offering of the Stripe Treasury for Platforms Services.

Qualifications & exceptions

• The General Terms' liability limits do not apply to fraud losses under this clause.

Not stated here

• General Terms Sections 8.3 and 8.4 are not part of this saved text.

Charges & Financial Obligations · Context

Definitions: Financial Account, Financial Account Transaction, Inbound and Outbound Transactions, Regulatory Requirement

The Financial Account is the Stripe Account Stripe provides to the User as part of the Stripe Financial Accounts Services. A Financial Account Transaction is an Inbound Transaction or an Outbound Transaction. An Inbound Transaction is any Received Credit, Balance Transfer or other entry that increases the Available Balance, which Stripe may permit in its discretion. An Outbound Transaction is an Outbound Payment, Outbound Transfer or other fiat entry that subtracts from the Available Balance and that Stripe may permit in its sole discretion. A Financial Account Regulatory Requirement is Law and the rules of the electronic funds transfer networks the services use.

Supporting quotations

“Financial Account” means the Stripe Account that Stripe provides to User as part of the Stripe Financial Accounts Services.

“Financial Account Transaction” means an Inbound Transaction or an Outbound Transaction.

“Inbound Transaction” means any Received Credit, Balance Transfer, or any other entry or transaction that increases the Available Balance, that Stripe may permit from time to time, in its discretion.

“Outbound Transaction” means an Outbound Payment, Outbound Transfer, or any other fiat currency entry or transaction that subtracts from the Available Balance that Stripe may permit from time to time in its sole discretion.

“Financial Account Regulatory Requirement” means Law and the rules of the electronic funds transfer networks the Stripe Financial Accounts Services use.

“Financial Account Regulatory Requirement” means Law and the rules of the electronic funds transfer networks the Stripe Treasury Services use.

Qualifications & exceptions

• Stripe permits other entries in its discretion or sole discretion.

Charges & Financial Obligations · Context

Definitions: Accountholder, Account Information, Dashboard, Product Guidelines and Treasury for Platforms Bank

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. Account Information is Personal Data or business information a Connect Platform provides for its Connected Accounts so Stripe and its Affiliates can check eligibility, make the services available to Accountholders, and meet their responsibilities to the applicable banks and funds transfer networks. The Dashboard is a user interface Stripe or a Connect Platform provides for an Accountholder to manage its Financial Account. The Product Guidelines are all product design, marketing, compliance, reporting and other guidelines and requirements a Stripe Entity or applicable bank establishes from time to time. A Treasury for Platforms Bank is a bank through which a Stripe Entity holds Accountholder funds.

Supporting quotations

“Stripe Treasury for Platforms Accountholder” means a Connected Account, or Stripe Connect Platform using the Stripe Treasury for Platforms Services for its own business purpose, who has successfully completed the onboarding requirements in the Stripe Treasury for Platforms Dashboard.

“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 for Platforms Banks and electronic funds transfer networks that Stripe Treasury for Platforms Services use.

“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 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.

“Treasury for Platforms Bank” means a bank through which a Stripe Entity holds Treasury for Platforms Accountholder funds.

Qualifications & exceptions

• The Product Guidelines can be changed from time to time.

Not stated here

• The Product Guidelines are not supplied.

Charges & Financial Obligations · Context

Definitions: Treasury for Platforms Services and Territory, Treasury Services, Authorized User and Bank

The Treasury for Platforms Services let an Accountholder create and maintain a Financial Account to store, spend and manage funds and make electronic payments and transfers. The Territory is the United States and Puerto Rico, or other jurisdictions Stripe permits in the Documentation. The Stripe Treasury Services let the User access a Financial Account, fund it with a Received Credit or Balance Transfer, make Outbound Transactions and engage in other permitted transactions, as the Documentation describes. An Authorized User is an individual an Accountholder authorizes to use the services. A Treasury for Platforms Bank is a bank through which a Stripe Entity holds Accountholder funds. A Received Credit is funds added in a Supported Currency from an external bank account, and a Balance Transfer moves funds from the User's Stripe Account payments balance to its Financial Account.

Supporting quotations

“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.

“Stripe Treasury for Platforms Territory” means the United States and Puerto Rico, or such other jurisdiction(s) as Stripe may permit in the Documentation.

“Stripe Treasury Services” means the Services that enable User to (a) access a Financial Account; (b) fund a Financial Account with a Received Credit or with a Balance Transfer; (c) make Outbound Transactions; and (d) engage in other permitted Financial Account Transactions; as further described in the Documentation.

"Treasury for Platforms Authorized User" means an individual that a Stripe Treasury for Platforms Accountholder authorizes to use the Stripe Treasury for Platforms Services.

“Treasury for Platforms Bank” means a bank through which a Stripe Entity holds Treasury for Platforms Accountholder funds.

“Received Credit” means the funds added to a Financial Account in a Supported Currency from an external bank account via the bank transfer, domestic wire, or other supported funding methods.

“Balance Transfer” means a transfer from User’s own Stripe Account payments balance, to User’s Financial Account, in accordance with the Stripe Treasury Terms.

“Stripe Treasury for Platforms Territory” means the United States and Puerto Rico, or such other jurisdictions Stripe permits, as further described in the Documentation.

"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

• The Territory can include other jurisdictions Stripe permits.

Not stated here

• The Documentation that may add jurisdictions is not supplied.

Charges & Financial Obligations · Context

UK Treasury for Platforms Accountholder Terms add to three other term sets (last modified July 21, 2026)

These Stripe Treasury for Platforms (United Kingdom) Accountholder Terms, last modified July 21, 2026, supplement the General Terms and, together with the Stripe Financial Services Terms and the Stripe Treasury Terms, govern the use of the Treasury for Platforms Services as an Accountholder if the User is located in the Treasury for Platforms Territory. If the User is a Stripe Connect Platform using the services for its own business purposes, the terms apply to it as an Accountholder and references to the Connect Platform also refer to the User.

Supporting quotations

Stripe Treasury for Platforms—Connected Accounts (United Kingdom)

Last modified: July 21, 2026

These Stripe Treasury for Platforms (United Kingdom) - Accountholder Terms of Service (“Stripe Treasury for Platforms (United Kingdom) Accountholder Terms”) supplement the General Terms, and together with the Stripe Financial Services Terms and the Stripe Treasury Terms, govern the use of the Stripe Treasury for Platforms Services as a Stripe Treasury for Platforms Accountholder if User is located in the Stripe Treasury for Platforms Territory. If User is a Stripe Connect Platform using the Stripe Treasury for Platforms Services for User’s own business purposes, these Stripe Treasury for Platforms (United Kingdom) Accountholder Terms apply to User as a Stripe Treasury for Platforms Accountholder, and references to “Stripe Connect Platform” in these terms are also references to User. Capitalised terms that are not defined in these Stripe Treasury for Platforms (United Kingdom) Accountholder Terms have the same meanings given to them in the General Terms, the Stripe Financial Services Terms and the Stripe Treasury Terms.

Qualifications & exceptions

• Applies if the User is located in the Treasury for Platforms Territory.

Not stated here

• The UK Territory is defined elsewhere in the document.

Charges & Financial Obligations · Restriction or exception

UK: you must be resident in the Territory, and can add and transfer funds through supported methods

The User must be resident in the Treasury for Platforms Territory to use the services. Its Stripe Connect Platform provides access, if applicable. Subject to the Financial Account Regulatory Requirements and these terms, the User and its Authorised Users can (a) add funds to the Financial Account by supported funding methods and (b) transfer funds from it to any account that can receive fund transfers at any financial institution. An Authorised User is an individual an Accountholder authorises to use the services.

Supporting quotations

1. Stripe Treasury for Platforms Services.

User must be resident in the Stripe Treasury for Platforms Territory to use the Stripe Treasury for Platforms Services. User’s Stripe Connect Platform will provide User access to the Stripe Treasury for Platforms Services (if applicable). Subject to the Financial Account Regulatory Requirements and these Stripe Treasury for Platforms (United Kingdom) Accountholder Terms, User and User’s Treasury for Platforms Authorised Users will be able to (a) add funds to User’s Financial Account via supported funding methods; and (b) transfer funds from User’s Financial Account to any account able to receive fund transfers at any financial institution.

"Treasury for Platforms Authorised User" means an individual that a Stripe Treasury for Platforms Accountholder authorises to use the Stripe Treasury for Platforms Services.

Qualifications & exceptions

• Residence in the Territory is required.

Not stated here

• The Territory for these UK terms is defined elsewhere in the document.

Charges & Financial Obligations · Company practice

UK: your account holds one or more Financial Accounts denominated in GBP or other currencies Stripe chooses

The Treasury for Platforms Account contains one or more Financial Accounts. They are denominated in GBP, or other currencies Stripe may make available from time to time in its sole discretion.

Supporting quotations

3.2 Stripe Treasury for Platforms Accounts

The Stripe Treasury for Platforms Account will contain one or more Financial Accounts. Financial Accounts are denominated in GBP, or such other currencies as Stripe may make available from time to time in its sole discretion.

Qualifications & exceptions

• Other currencies are available only if Stripe makes them available, in its sole discretion.

Charges & Financial Obligations · Company practice

UK: RSP need not notify you promptly when funds are added; you confirm receipt on the Dashboard

RSP is not obligated to notify the User promptly after funds are added to its Financial Account. The User can confirm through the Treasury for Platforms Dashboard whether RSP has received a transaction that adds funds.

Supporting quotations

6. Transactions on User’s Financial Account.

6.1 Adding Funds onto User’s Financial Account

RSP is not obligated to notify User promptly after funds are added into User’s Financial Account. User can confirm via the Stripe Treasury for Platforms Dashboard whether RSP has received a Financial Account Transaction that adds funds to User’s Financial Account.

Charges & Financial Obligations · Permission or license

UK: starting a transfer authorises your platform and RSP to act; RSP deducts it at once and may refuse some transfers

By starting a transfer through the Treasury for Platforms Dashboard, the User authorises (a) its Stripe Connect Platform to instruct RSP to make the transaction it specifies and (b) RSP to act on those instructions. RSP may deduct the amount of each transfer the platform starts or approves from the Available Treasury for Platforms Balance, even if the transfer is not yet completed. RSP may refuse any transfer (i) by a method RSP does not specifically permit for the account or (ii) that lacks information RSP requires. The Available Treasury for Platforms Balance is the amount of funds available to be transferred or paid out of a Financial Account.

Supporting quotations

6.2 Transfers from User’s Financial Account.

By initiating a transfer from User’s Financial Account via the Treasury for Platforms Dashboard, User authorises (a) User’s Stripe Connect Platform to instruct RSP to make the Financial Account Transaction User specifies; and (b) RSP to act on those instructions. RSP may deduct the amount of each transfer that User’s Stripe Connect Platform initiates or approves from User’s Available Treasury for Platforms Balance, even if the transfer has not yet been completed. RSP may refuse any transfer (i) by any method that RSP does not specifically permit for User’s Financial Account; or (ii) that does not include all information RSP requires.

“Available Treasury for Platforms Balance” means the amount of funds that is available to be transferred or paid out of a Financial Account.

Qualifications & exceptions

• Deduction can happen before the transfer completes.

Not stated here

• The permitted methods and required information are not listed here.

Charges & Financial Obligations · Permission or license

UK: your platform may answer Confirmation of Payee requests for you, and RSP may rely on its response

For any Confirmation of Payee requests, the Stripe Connect Platform may reply on the User's behalf, and RSP is entitled to rely on the platform's response to the same extent it would rely on the User's own response. Confirmation of Payee is the service to validate a payee's account name before starting a payment.

Supporting quotations

For any Confirmation of Payee requests, the Stripe Connect Platform may reply on User’s behalf, and RSP is entitled to rely on User’s Stripe Connect Platform’s response to the same extent it would rely on User’s response.

“Confirmation of Payee” means the service to validate a payee’s account name before initiating a payment.

Qualifications & exceptions

• RSP may rely on the platform's response as it would on the User's.

Charges & Financial Obligations · Restriction or exception

UK: your platform sets conversion rates on cross-border transfers, amounts are estimates, and RSP disclaims FX losses

If a transfer needs a currency conversion, the exchange rate is determined and communicated to the User by its Stripe Connect Platform. Where conversion is part of a transaction, quoted payout amounts and fees are estimates and may change without notice with the exchange rate at conversion. RSP is not responsible for any losses the User suffers from a currency exchange.

Supporting quotations

6.3 Cross-Border Transfers Involving Currency Exchange.

If a transfer from User’s Financial Account requires a currency conversion, then the exchange rate used for that conversion will be determined and communicated to User by User’s Stripe Connect Platform. Where currency conversion is part of a transaction, any quoted payout amounts and associated fees are estimates, and may fluctuate without notice based on changes in the exchange rate that applies when the currency conversion takes place. RSP is not responsible for any losses User may suffer as a result of a currency exchange.

Qualifications & exceptions

• Quoted amounts and fees are estimates that may change without notice.

Charges & Financial Obligations · User right or choice

UK: to stop a scheduled transfer, act in time for your platform to instruct Stripe 3 business days ahead

To stop a scheduled or preauthorised transfer, the User must instruct its Stripe Connect Platform in time for the platform to instruct Stripe at least 3 business days before the day the transaction is scheduled. If the User scheduled or preauthorised it through the Dashboard, it may change or cancel it there at least 3 business days before the scheduled day.

Supporting quotations

6.4 User’s Right to Stop Payment.

If User wishes to stop any scheduled or preauthorised transfer from User’s Financial Account, then User must give User’s Stripe Connect Platform instructions to do so in time for the Stripe Connect Platform to instruct Stripe accordingly at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made. If User scheduled or preauthorised the transfer via the Stripe Treasury for Platforms Dashboard, then User may change or cancel the transfer via the Stripe Treasury for Platforms Dashboard at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made.

Qualifications & exceptions

• The cut-off is 3 business days before the scheduled day.

Charges & Financial Obligations · Permission or license

UK: RSP may refuse a transaction for insufficient funds, collection doubt, unverified details, security, fraud or rules

To the extent the Regulatory Requirements do not prohibit it, RSP may refuse to complete any Financial Account Transaction, including (a) if the account has insufficient funds; (b) if RSP reasonably doubts it can collect amounts owed to Stripe; (c) if RSP cannot verify ownership of, or other information about, the account or the person or entity funds are going to or coming from; (d) to protect the security of the account and Stripe's systems; (e) if Stripe is concerned about potential fraud or other misconduct; or (f) if the transaction would violate the UK Accountholder Terms or the Regulatory Requirements.

Supporting quotations

6.5 Stripe’s Right to Refuse.

To the extent the Financial Account Regulatory Requirements do not prohibit the actions listed in this Section 6.5 (Stripe’s Right to Refuse), RSP may refuse to complete any Financial Account Transaction, including:

(a) if User’s Financial Account has insufficient funds to cover a Financial Account Transaction;

(b) if RSP reasonably doubts that it can collect any amounts owed to Stripe;

(c) if RSP is unable to verify ownership of or other information about User’s Financial Account, or the individual or entity to or from whom the funds will be transferred;

(d) to protect the security of User’s Financial Account and Stripe’s systems;

(e) if Stripe is concerned about potential fraud or other misconduct; or

(f) if the Financial Account Transaction would violate these Stripe Treasury for Platforms (United Kingdom) Accountholder Terms or the Financial Account Regulatory Requirements.

Qualifications & exceptions

• The list says “including”, so it is not exhaustive.
• Subject to what the Regulatory Requirements permit.

Charges & Financial Obligations · Restriction or exception

UK: RSP or your platform may impose transaction limits and reduce or change them without notice

RSP or the User's Stripe Connect Platform may impose limits on the number and value of Financial Account Transactions the User may make. RSP may allow transactions that exceed the limits, or temporarily reduce the User's limits from time to time without notice unless the Regulatory Requirements require otherwise. RSP or the platform may change the limits at any time. Unlike the US version, the limits are not described in the Dashboard.

Supporting quotations

6.6 Financial Account Transaction Limitations.

Limits on the number and value of Financial Account Transactions that User may make from User’s Financial Account may be imposed by RSP or User’s Stripe Connect Platform. RSP may allow Financial Account Transactions that exceed applicable limits, or temporarily reduce User’s limits from time to time without notice (unless the Financial Account Regulatory Requirements require otherwise). RSP or User’s Stripe Connect Platform may change the limits at any time.

Qualifications & exceptions

• Temporary reductions need no notice unless the Regulatory Requirements require it.

Not stated here

• The limits themselves are not stated here.

Charges & Financial Obligations · Restriction or exception

UK: you must review transactions and report errors promptly and unauthorised ones immediately

The User must review its Financial Account history and each transaction as soon as possible. If it believes there is an error or discrepancy, it must tell its Stripe Connect Platform promptly. If it believes an unauthorised transaction has been made, it must tell the platform immediately and give a written statement with details if RSP or the platform asks. If it does not notify as required, or the platform does not notify RSP in time, losses from the unauthorised transaction may not be recoverable, or recovery may be slower or harder. Unlike the US version, this clause states no 30-day or one-day deadline.

Supporting quotations

7. Transaction Management.

7.1 Reviewing User’s Financial Account Transactions.

(a) Obligation to Review. User must review User’s Financial Account history and each Financial Account Transaction as soon as possible. If User believes that there is an error or discrepancy in a Financial Account Transaction, User must notify User’s Stripe Connect Platform promptly. If User believes an unauthorised Financial Account Transaction has been made on User’s Financial Account, then User must immediately notify User’s Stripe Connect Platform. If RSP or User’s Stripe Connect Platform requests, User must submit a written statement with details about the unauthorised Financial Account Transaction. If User fails to notify User’s Stripe Connect Platform as required, or User’s Stripe Connect Platform does not notify RSP in a timely manner, then losses, damages, or costs User suffers as a result of the unauthorised Financial Account Transaction may not be recoverable, or recovery may be more time consuming or difficult.

Qualifications & exceptions

• Late notice may make losses unrecoverable.

Not stated here

• The 13-month outer limit appears in section 7.3.

Charges & Financial Obligations · Restriction or exception

UK: you are responsible for all transactions, authorised or not; Stripe Parties disclaim liability for listed causes

To the extent Law permits, the User is responsible for all Financial Account Transactions on its account, whether or not authorised. It acknowledges transactions may be sent to the wrong account if it gives RSP inaccurate or incomplete information, including through compromise or fraud. To the maximum extent Law permits, the Stripe Parties are not liable to the User, its Affiliates or any third party for losses, damages or costs from (a) a failed transaction, including RSP refusing or declining one or a failure from circumstances outside Stripe's control; (b) RSP or the platform acting on incorrect or incomplete information; (c) RSP refusing to follow the platform's instructions under Section 4.3; or (d) any correspondent bank's negligence or failure, or funds lost in transit.

Supporting quotations

7.2 Liability Related to Financial Account Transactions.

To the extent permitted by Law, User is responsible for all Financial Account Transactions on User’s Financial Account, whether or not they are authorised. User acknowledges that Financial Account Transactions may be sent to the wrong account if User provides RSP with inaccurate or incomplete information (including due to compromise or fraud). To the maximum extent permitted by Law, the Stripe Parties will not be liable to User, User’s Affiliates or any third party for any losses, damages or costs arising out of or relating to:

(a) a failed Financial Account Transaction on User’s Financial Account, including if RSP decides to refuse to pay or decline any Financial Account Transaction or if a Financial Account Transaction fails due to circumstances outside of Stripe’s control;

(b) RSP or User’s Stripe Connect Platform completing a Financial Account Transaction or otherwise acting in reliance upon any incorrect or incomplete information provided or made available to RSP or User’s Stripe Connect Platform;

(c) RSP’s refusal to comply with User’s Stripe Connect Platform’s instructions under Section 4.3 (Instructions); or

(d) any correspondent bank’s negligence or failure, or funds lost in transit.

Qualifications & exceptions

• Responsibility for unauthorised transactions applies to the extent Law permits.
• The disclaimer applies to the maximum extent Law permits.

Charges & Financial Obligations · Procedure

UK: report fraud or unauthorised transactions at once via the Dashboard; contact the payee first for defective charges

If the User believes there are fraudulent or unauthorised transactions on its account, it must immediately report them to RSP by filing a dispute through the Treasury for Platforms Dashboard. If it believes the account was subject to an incorrectly executed or defective charge, it must first contact the payee to resolve it, and if that fails must file the dispute through the Dashboard.

Supporting quotations

7.3 Reporting Unauthorised and Incorrectly Executed Transactions.

If User believes there are fraudulent or unauthorised transactions on User’s Financial Account, User must immediately report any such Financial Account Transactions to RSP by filing a dispute through the Treasury for Platforms Dashboard.

If User believes that User’s Financial Account was subject to an incorrectly executed or defective charge, User must first contact the payee to resolve the dispute regarding the relevant Financial Account Transaction. If User is unable to resolve the dispute with the payee, then User must file the dispute through User’s Treasury for Platforms Dashboard.

Qualifications & exceptions

• Fraud and unauthorised transactions: report immediately.
• Defective charges: payee first, then Dashboard dispute.

Charges & Financial Obligations · Restriction or exception

UK: you must notify incorrect, defective or unauthorised transactions without undue delay and within 13 months

The User must notify RSP of any incorrectly executed, defective or unauthorised Financial Account Transactions without undue delay, and no later than 13 months from the date the transaction appears on its Financial Account.

Supporting quotations

User must notify any incorrectly executed, defective or unauthorised Financial Account Transactions to RSP without undue delay, and no later than 13 months from the date the Financial Account Transaction appears on User’s Financial Account.

Qualifications & exceptions

• The 13 months run from the date the transaction appears on the account.

Charges & Financial Obligations · Procedure

UK: RSP evaluates your report and credits the amount back if it determines, in its sole discretion, it was faulty

When the User notifies RSP of an incorrectly executed, defective or unauthorised transaction through the Dashboard, RSP evaluates the information under the Financial Account Regulatory Requirements. If RSP determines, in its sole discretion, that the transaction was incorrectly executed, defective or unauthorised, it credits the amount back to the User's Financial Account.

Supporting quotations

7.4 Determining Incorrectly Executed, Defective or Unauthorised Transactions.

When User notifies RSP of an incorrectly executed, defective or unauthorised Financial Account Transaction through the Treasury for Platforms Dashboard, RSP will evaluate the submitted information in accordance with Financial Account Regulatory Requirements. If RSP determines, in its sole discretion, that the Financial Account Transaction was incorrectly executed, defective or unauthorised, RSP will credit the amount of the applicable Financial Account Transaction back to User’s Financial Account.

Qualifications & exceptions

• The outcome turns on RSP's sole-discretion determination.

Charges & Financial Obligations · User right or choice

UK: RSP reimburses unauthorised transactions, but you bear the first £35 if you should have been aware

RSP will reimburse the User for any unauthorised Financial Account Transaction where it determines neither the User nor a Treasury for Platforms Authorised User authorised the underlying transaction, provided the User is liable for the first £35 of any unauthorised transaction where RSP reasonably believes the User should have been aware of the unauthorised use.

Supporting quotations

7.5 Liability for Unauthorised Transactions.

RSP will reimburse User for any unauthorised Financial Account Transaction where RSP determines that neither User nor a Treasury for Platforms Authorised User authorised the underlying Financial Account Transaction, provided that

(a) User will be liable for the first £35 of any unauthorised Financial Account Transaction where RSP reasonably believes User should have been aware of the unauthorised use;

Qualifications & exceptions

• Reimbursement depends on RSP's determination that neither the User nor an Authorised User authorised the transaction.
• The £35 share applies only where RSP reasonably believes the User should have been aware.

Charges & Financial Obligations · Restriction or exception

UK: no reimbursement if the account was misused, grossly negligently handled, left insecure or not reported at once

RSP is not liable for an unauthorised transaction where (i) the User or an Authorised User used a Financial Account for an Unauthorised Purpose or with intent or gross negligence, or failed to use it in line with the Agreement, including by not taking all reasonable steps to keep credentials and devices secure and confidential, or the Product Guidelines; or (ii) the User failed to notify RSP of the unauthorised use immediately. An Unauthorised Purpose is a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the Treasury for Platforms Services.

Supporting quotations

(b) RSP will not be liable for any unauthorised transaction where (i) User or a Treasury for Platforms Authorised User used a Financial Account for an Unauthorised Purpose or with intent or gross negligence, failed to use the Financial Account in accordance with the terms of this Agreement, including to take all reasonable steps to keep account credentials and the devices on which User accesses User’s Stripe Treasury for Platforms Account secure and confidential at all times, or the Stripe Treasury for Platforms Product Guidelines; or (ii) User failed to immediately notify RSP of the unauthorised use.

“Unauthorised Purpose” means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Stripe Treasury for Platforms Services.

"Treasury for Platforms Authorised User" means an individual that a Stripe Treasury for Platforms Accountholder authorises to use the Stripe Treasury for Platforms Services.

Qualifications & exceptions

• Either ground (i) or (ii) removes RSP's liability.
• Consumer, personal or household use counts as an Unauthorised Purpose.

Charges & Financial Obligations · Permission or license

UK: RSP may recoup or set off a reimbursement if the transaction proves duly authorised and correctly executed

If RSP reimburses the User for an unauthorised or incorrectly executed transaction and later determines it was duly authorised and correctly executed, RSP may recoup or set off an equal amount from the User's Financial Account.

Supporting quotations

If RSP reimburses User for an unauthorised or incorrectly executed Financial Account Transaction and subsequently determines that the relevant Financial Account Transaction was duly authorised and correctly executed, RSP may recoup or set off an amount equal to that reimbursed amount from User’s Financial Account.

Qualifications & exceptions

• Applies after RSP determines the transaction was authorised and correctly executed.

Charges & Financial Obligations · Restriction or exception

UK: you are responsible for your own tax liability, reporting and remitting, and must keep your platform informed

The User is responsible for (a) working out its tax liability on its Financial Account and (b) reporting, withholding and remitting all taxes due to the appropriate Governmental Authority on time. It must promptly tell its Stripe Connect Platform of all changes to its tax affairs and give all records and information the platform or RSP asks for to meet the Financial Account Regulatory Requirements.

Supporting quotations

8. Tax Reporting.

User is responsible for (a) determining User’s tax liability related to User’s Financial Account; and (b) reporting, withholding and remitting in a timely manner all taxes due to the appropriate Governmental Authority. User must promptly notify User’s Stripe Connect Platform of all changes related to User’s tax affairs, and provide all records and information that it or RSP requests to comply with the Financial Account Regulatory Requirements.

Qualifications & exceptions

• Changes must be notified promptly.

Charges & Financial Obligations · Company practice

UK: your platform must disclose the fees that apply to you when you request access, and changes before they take effect

The User's Stripe Connect Platform is responsible for telling the User all fees, if any, that apply to its use of the Treasury for Platforms Services. The platform will disclose them when the User requests access and will disclose any changes before they take effect.

Supporting quotations

9. Fees and Security.

9.1 Fee Disclosure.

User’s Stripe Connect Platform is responsible for disclosing to User all applicable fees (if any) that apply to User’s use of the Stripe Treasury for Platforms Services. User’s Stripe Connect Platform will disclose those fees at the time User requests access to the Stripe Treasury for Platforms Services and will disclose any changes before they take effect.

Qualifications & exceptions

• Fees are disclosed by the platform, not set out in these terms.

Not stated here

• The fee amounts are not in these terms.

Charges & Financial Obligations · Restriction or exception

UK: you are liable to Stripe for losses from disputes on your account, which Stripe may deduct or set off without notice

To the maximum extent Law permits, the User is liable to Stripe for all losses, damages and costs Stripe incurs from any dispute involving the User's Financial Account, including from relying on its Stripe Connect Platform's representations or instructions. The User authorises Stripe to (i) deduct those amounts from funds in the Financial Account or (ii) set them off under Section 9.3 (Setoff), with or without prior notice.

Supporting quotations

9.2 User’s Responsibility for Disputes.

To the maximum extent permitted by Law, User is liable to Stripe for all losses, damages and costs that Stripe incurs as a result of any dispute involving User’s Financial Account, including as a result of relying on User’s Stripe Connect Platform’s representations or instructions. User authorises Stripe to (i) deduct these losses, damages and costs from funds in User’s Financial Account; or (ii) set them off in accordance with Section 9.3 (Setoff) with or without prior notice to User.

Qualifications & exceptions

• Liability covers Stripe's reliance on the platform's representations or instructions.
• Deduction or set-off may happen without prior notice.

Charges & Financial Obligations · Permission or license

UK: RSP may deduct, recoup or set off fees you owe, or Stripe may invoice them payable within 30 days

RSP may deduct, recoup or set off all fees the User owes Stripe, if any, from funds in the Financial Account. Alternatively, Stripe may invoice the User for some or all of the fees monthly in arrears, and the User must pay within 30 days after the invoice date. Unlike the US version, this clause does not mention causing an overdraft.

Supporting quotations

9.3 Setoff.

RSP may deduct, recoup or setoff all fees User owes Stripe (if any) from funds in User’s Financial Account. Alternatively, Stripe may invoice User for some or all of those fees on a monthly basis in arrears, and User must pay the fees within 30 days after the date of the invoice.

Qualifications & exceptions

• Invoiced fees are payable within 30 days of the invoice date.

Charges & Financial Obligations · Context

UK definitions: Available Balance, Confirmation of Payee, Connected Account, Platform User and Connect Platform

The Available Treasury for Platforms Balance is the amount of funds available to be transferred or paid out of a Financial Account. Confirmation of Payee is the service to validate a payee's account name before starting a payment. 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 Platform User, where the User acts as a Connect Platform, is a user of its platform. A Stripe Connect Platform is a platform provider that uses the Stripe Connect Services.

Supporting quotations

12. Definitions.

“Available Treasury for Platforms Balance” means the amount of funds that is available to be transferred or paid out of a Financial Account.

“Confirmation of Payee” means the service to validate a payee’s account name before initiating a payment.

“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.

“Platform User” means, where User is acting as a Stripe Connect Platform, a user of User’s platform.

“Stripe Connect Platform” means a platform provider that uses the Stripe Connect Services.

Charges & Financial Obligations · Context

UK definitions: Connect Services, Treasury for Platforms Account, Accountholder, Account Information and Dashboard

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 Account is an account Stripe creates for an Accountholder as part of the services to manage its Financial Accounts. An Accountholder is a Connected Account, or a Connect Platform using the services for its own business, that has completed onboarding under the Platform Terms. Account Information is Personal Data or business information a Connect Platform provides for its Connected Accounts so Stripe and its Affiliates can check eligibility, make the services available, and meet their responsibilities to the Transfer Networks. The Dashboard is the user interface that lets an Accountholder manage its Treasury for Platforms Account.

Supporting quotations

“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 Account” means an account that Stripe creates for a Stripe Treasury for Platforms Accountholder as part of the Stripe Treasury for Platforms Services to enable the management of Financial Account(s).

“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 Platform Terms.

“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 Treasury for Platforms Transfer Networks.

“Treasury for Platforms Dashboard” means the user interface provided to enable a Stripe Treasury for Platforms Accountholder to manage its Stripe Treasury for Platforms Account.

Not stated here

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

Charges & Financial Obligations · Context

UK definitions: Product Guidelines, Services, Territory, Authorised User, Transfer Networks, Unauthorised Purpose

The Product Guidelines are all product design, marketing, compliance, reporting and other guidelines and requirements a Stripe Entity establishes from time to time for the services. The Treasury for Platforms Services let an Accountholder create and maintain a Treasury for Platforms Account and Financial Account to store, spend and manage funds and make electronic payments and transfers. The Territory is the United Kingdom, Gibraltar, or other jurisdictions Stripe permits as the Documentation describes. An Authorised User is an individual an Accountholder authorises to use the services. Transfer Networks are the electronic funds transfer networks the services use, credit card networks and debit card networks. An Unauthorised Purpose is a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the services.

Supporting quotations

“Stripe Treasury for Platforms Product Guidelines” means all product design, marketing, compliance, reporting and other guidelines and requirements established by a Stripe Entity from time to time in connection with the Stripe Treasury for Platforms Services.

“Stripe Treasury for Platforms Services” means the Services that enable a Stripe Treasury for Platforms Accountholder to create and maintain a Stripe Treasury for Platforms Account and Financial Account where the Stripe Treasury for Platforms Accountholder can (a) store, spend, and manage funds; and (b) make electronic payments and funds transfers to and from that account.

“Stripe Treasury for Platforms Territory” means the United Kingdom, Gibraltar, or such other jurisdictions Stripe permits, as further described in the Documentation.

"Treasury for Platforms Authorised User" means an individual that a Stripe Treasury for Platforms Accountholder authorises to use the Stripe Treasury for Platforms Services.

“Treasury for Platforms Transfer Networks” means the electronic funds transfer networks the Stripe Treasury for Platforms Services uses, credit card networks, and debit card networks.

“Unauthorised Purpose” means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Stripe Treasury for Platforms Services.

Qualifications & exceptions

• The Territory can include other jurisdictions Stripe permits.
• The Product Guidelines can be changed from time to time.

Not stated here

• The Product Guidelines and Documentation are not supplied.

Charges & Financial Obligations · Context

UK Platform Terms govern offering Treasury for Platforms to Connected Accounts in the Territory (updated July 21, 2026)

These Stripe Treasury for Platforms (United Kingdom) - Platform Terms, last updated July 21, 2026, supplement the General Terms, the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms, and govern the User's ability to offer the Treasury for Platforms Services to Connected Accounts in the Treasury for Platforms Territory. They do not apply to the User's use of the services for its own business; for that, the Accountholder Terms apply to the User as an Accountholder, and references to the Stripe Connect Platform in them also refer to the User.

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Stripe Treasury for Platforms—Platform (United Kingdom)

Last updated: July 21, 2026

These Stripe Treasury for Platforms (United Kingdom) - Platform Terms ( “Stripe Treasury for Platforms (United Kingdom) - Platform Terms”) supplement the General Terms, the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms, and govern User’s ability to offer the Stripe Treasury for Platforms Services to Connected Accounts in the Stripe Treasury for Platforms Territory. These Stripe Treasury for Platforms (United Kingdom) - Platform Terms do not apply to User's use of the Stripe Treasury for Platforms Services for User’s own business purposes. If User uses the Stripe Treasury for Platforms Services for those purposes, then the Stripe Treasury for Platforms Accountholder Terms will apply to User as a Stripe Treasury for Platforms Accountholder, except that references to “Stripe Connect Platform” in those terms are also references to User. Capitalised terms that are not defined in these Stripe Treasury for Platforms (United Kingdom) - Platform Terms have the same meanings given to them in the General Terms, the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms.

Qualifications & exceptions

• The Platform Terms do not apply to the User's own business use.

Charges & Financial Obligations · Restriction or exception

UK: you are jointly and severally liable for all Activity on Connected Accounts, including push-payment fraud claims

The User is responsible and liable to Stripe for all Activity on Connected Accounts in connection with the Treasury for Platforms Services, whether or not the User started it, including all Financial Account Transactions, claims for reimbursement relating to authorised push payment fraud, related fines, and any use of the services prohibited by the UK Platform Terms, the Accountholder Terms or the Connected Account Agreement. The User and the relevant Connected Account are jointly and severally liable to Stripe for amounts the Connected Account owes it, and Stripe may collect them from the User. If Stripe decides the User's responsibility creates an unacceptable risk to Stripe, it may use its remedies in Section 11.2 (Stripe Remedies). The US version does not mention push-payment fraud claims.

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4.2 Responsibility for Activity.

User is responsible and liable to Stripe for all Activity on Connected Accounts in connection with the Stripe Treasury for Platforms Services, whether initiated by User or not, including all Financial Account Transactions, claims for reimbursement relating to authorised push payment fraud, associated fines, and any use of the Stripe Treasury for Platforms Services in a manner prohibited under these Stripe Treasury for Platforms (United Kingdom) - Platform Terms, the Stripe Treasury for Platforms Accountholder Terms, or the Connected Account Agreement. User and the relevant Connected Account are jointly and severally liable to Stripe for amounts the Connected Account owes to Stripe, and Stripe may collect these amounts from User in accordance with this Agreement. If Stripe determines that User’s responsibility for Activity on Connected Accounts creates an unacceptable risk to Stripe, Stripe may exercise its remedies listed in Section 11.2 (Stripe Remedies).

Qualifications & exceptions

• Liability applies whether or not the User initiated the Activity.
• Joint and several liability means Stripe can collect the whole amount from the User.

Not stated here

• Section 11.2 is a later section of these terms.

Charges & Financial Obligations · Restriction or exception

UK: you must clearly tell each Accountholder your fees and whether they are Stripe passthrough fees

The User must clearly tell each Accountholder all fees, if any, that it charges for the Treasury for Platforms Services, and say whether or not those fees are passthrough fees from Stripe.

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5.4 Communicating Fees.

User must clearly communicate to each Stripe Treasury for Platforms Accountholder all fees (if any) that User charges that are related to the Stripe Treasury for Platforms Services, and specify whether or not those fees are passthrough fees from Stripe.

Charges & Financial Obligations · Permission or license

UK: Stripe may review the fees you charge Accountholders and require you to change them at once and reimburse

Stripe may review the fees the User charges its Accountholders for the services to decide whether they comply with Stripe's requirements, applicable Transfer Network requirements and Law. If Stripe decides they do not comply, the User must immediately change the fees and reimburse the Accountholder as Stripe directs. The US version of this clause has no review right.

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Stripe may review the fees User charges User's Stripe Treasury for Platforms Accountholders in connection with the Stripe Treasury for Platforms Services to determine whether the fees comply with Stripe’s requirements, applicable Treasury for Platforms Transfer Network requirements, and Law. If Stripe determines the fees do not comply, User must immediately modify the fees and reimburse the Stripe Treasury for Platforms Accountholder as Stripe directs.

Qualifications & exceptions

• Compliance is measured against Stripe's requirements, Transfer Network requirements and Law.

Not stated here

• Stripe's fee requirements are not set out in these terms.

Cross-references

• contrast (model-proposed): You must clearly tell each Accountholder your fees and whether they are Stripe passthrough fees — contrast: The UK version of the fee clause adds a Stripe right to review the fees the User charges Accountholders and require immediate changes and reimbursement; the US version only requires disclosure.

Charges & Financial Obligations · Restriction or exception

UK: conversion rates follow the Documentation, quoted amounts are estimates, and you must give the required information

If a requested Financial Account Transaction needs a currency conversion, the exchange rate is determined as the Documentation states. Quoted payout amounts and fees are estimates and may change with the exchange rate when the conversion happens. The User must clearly give the Accountholder the relevant information about the conversion as the Documentation and the Financial Account Regulatory Requirements require.

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5.5 Cross-Border Transfers Involving Currency Exchange.

If a requested Financial Account Transaction requires a currency conversion, then the exchange rate used for that conversion will be determined as stated in the Documentation. Where currency conversion is part of a Financial Account Transaction, any quoted payout amounts and associated fees are estimates, and may fluctuate based on changes in the exchange rate that applies when the currency conversion takes place. User must clearly communicate to the Stripe Treasury for Platforms Accountholder the relevant information about the currency conversion as required in the Documentation and under the Financial Account Regulatory Requirements.

Qualifications & exceptions

• Quoted amounts and fees are estimates.

Not stated here

• The Documentation's rate and information rules are not supplied.

Charges & Financial Obligations · Permission or license

UK: Stripe may permit or require you to answer Confirmation of Payee requests for Accountholders and rely on your reply

For any Confirmation of Payee requests, Stripe may permit or require the User to reply on behalf of its Accountholder, and Stripe is entitled to rely on the User's response to the same extent it would rely on the Accountholder's own response. Confirmation of Payee is the service to validate a payee's account name before starting a payment.

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5.6 Confirmation of Payee.

For any Confirmation of Payee requests, Stripe may permit or require User to reply on behalf of User's Stripe Treasury for Platforms Accountholder, and Stripe is entitled to rely on User's response to the same extent it would rely on the response of the Stripe Treasury for Platforms Accountholder.

“Confirmation of Payee” means the service to validate a payee’s account name before initiating a payment.

Qualifications & exceptions

• Stripe may require, not only permit, the User to reply.

Charges & Financial Obligations · Procedure

UK: for erroneous charges, contact the payee first, then dispute; Accountholders must notify within 13 months

If the User believes a Financial Account was subject to an incorrectly executed or otherwise erroneous charge, it must first contact the payee. If it cannot resolve the matter, it must file the dispute through its Dashboard or help the Accountholder file one through another channel the User provides. Accountholders must notify Stripe of any incorrectly executed, erroneous or unauthorised transactions within 13 months of the date the transaction appears on their Financial Account.

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8.3 Reporting Erroneous Transactions.

If User believes that a Financial Account was subject to an incorrectly executed or otherwise erroneous charge, the User must first contact the relevant payee regarding the relevant Financial Account Transaction. If the User is unable to resolve the matter with the relevant payee, then User must file the dispute through User's Stripe Dashboard or User must facilitate the Stripe Treasury for Platforms Accountholder in filing a dispute for the Financial Account Transaction through another channel that User provides. Stripe Treasury for Platforms Accountholders must notify any incorrectly executed, erroneous or unauthorised Financial Accounts Transactions to Stripe within 13 months from the date the Financial Account Transaction appears on their Financial Account.

Qualifications & exceptions

• Payee contact comes before a dispute for erroneous charges.
• The 13 months run from the date the transaction appears on the account.

Charges & Financial Obligations · Procedure

UK: Stripe evaluates reported transactions and credits valid ones; you must abide and not pass costs to Accountholders

When an Accountholder reports an erroneous or unauthorised transaction, Stripe evaluates the information under Law. If Stripe determines, in its sole discretion, that it was erroneous, incorrectly executed or unauthorised, Stripe credits the amount back to the Financial Account. The User must abide by Stripe's determination and may not pass costs or dispute fees it incurs from fraudulent or unauthorised transactions on to an Accountholder.

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8.4 Determining Unauthorised Financial Account Transactions.

When a Stripe Treasury for Platforms Accountholder submits or reports an erroneous or unauthorised Financial Account Transaction, Stripe will evaluate the submitted information in accordance with Law. If Stripe determines, in its sole discretion, that the Financial Account Transaction was erroneous, incorrectly executed or unauthorised, Stripe will credit the amount of the applicable Financial Account Transaction back to the applicable Financial Account. User must abide by Stripe’s determination. User may not pass any costs or dispute fees User incurs as a result of any fraudulent or unauthorised Financial Account Transactions on to a Stripe Treasury for Platforms Accountholder.

Qualifications & exceptions

• The outcome turns on Stripe's sole-discretion determination.

Charges & Financial Obligations · Permission or license

UK: you authorize Stripe to debit your bank or Stripe Accounts to cure an Accountholder's negative balance

The User authorizes Stripe to debit each User Bank Account or Stripe Account, at Stripe's discretion, to cure any negative balance of an Accountholder.

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User authorizes Stripe to debit each User Bank Account or Stripe Account, at Stripe’s discretion, to cure any negative balance of a Stripe Treasury for Platforms Accountholder.

Qualifications & exceptions

• Debiting is at Stripe's discretion.

Not stated here

• The terms set no notice requirement before a debit.

Charges & Financial Obligations · Restriction or exception

UK: Stripe is not liable for losses from any Treasury for Platforms Payout Delay, notwithstanding the Agreement

Notwithstanding anything else in the Agreement, Stripe is not liable to the User, Accountholders, Treasury for Platforms Administrators or Authorised Users for any losses, damages or costs arising from any Treasury for Platforms Payout Delay.

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10. Liability.

10.1 Stripe Liability.

Notwithstanding anything in the Agreement to the contrary, Stripe will not be liable to User, Stripe Treasury for Platforms Accountholder, Stripe Treasury for Platforms Administrators, or Treasury for Platforms Authorised Users for any losses, damages, or costs arising out of or relating to any Treasury for Platforms Payout Delay.

Qualifications & exceptions

• Applies notwithstanding any contrary term of the Agreement.

Not stated here

• The Payout Delay definition is not among the definitions read for this section.

Charges & Financial Obligations · Permission or license

UK: after a triggering event, Stripe may set up a Reserve, debit accounts, suspend submissions or refuse processing

If a Section 11.1 event occurs, Stripe may do one or more of the following: (a) establish, fund and use a Reserve; (b) debit each User Bank Account, Financial Account or Stripe Account to cure any negative balance of an Accountholder; (c) suspend or end the User's ability to submit Financial Account Transactions; and (d) refuse to process Financial Account Transactions.

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11.2 Stripe Remedies.

If an event described in Section 11.1 (Triggering Event) occurs, then Stripe may do one or more of the following:

(a) establish, fund, and use a Reserve;

(b) debit each User Bank Account, Financial Account, or Stripe Account to cure any negative balance of a Stripe Treasury for Platforms Accountholder;

(c) suspend or terminate User’s ability to submit Financial Account Transactions; and

(d) refuse to process Financial Account Transactions.

Qualifications & exceptions

• Available once a Section 11.1 triggering event occurs.
• Stripe may use one or more of the remedies.

Not stated here

• The size of any Reserve is not stated here.

Charges & Financial Obligations · Context

UK definitions: Available Balance, Confirmation of Payee, Financial Account and Financial Account Transaction

The Available Treasury for Platforms Balance is the amount of funds available to be transferred or paid out of a Financial Account. Confirmation of Payee is the service to validate a payee's account name before starting a payment. A Financial Account is the Stripe Account Stripe creates for an Accountholder as part of the services. A Financial Account Transaction is a transaction in a Financial Account that adds to or subtracts from the Available Treasury for Platforms Balance.

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12. Definitions

“Available Treasury for Platforms Balance” means the amount of funds that is available to be transferred or paid out of a Financial Account.

“Confirmation of Payee” means the service to validate a payee’s account name before initiating a payment.

“Financial Account” means the Stripe Account that Stripe creates for a Stripe Treasury for Platforms Accountholder as part of the Stripe Treasury for Platforms Services.

“Financial Account Transaction” means a transaction in a Financial Account that adds to or subtracts from the Available Treasury for Platforms Balance.

Charges & Financial Obligations · Context

UK definitions: Principal Owner, Treasury for Platforms Account, Account Activity and Authorised User

A Principal Owner of a legal entity is an individual who directly or indirectly, through any contract, arrangement, understanding or relationship, owns at least 25% of its equity. A Treasury for Platforms Account is an account Stripe creates for an Accountholder to manage its Financial Accounts. Treasury for Platforms Account Activity, for these UK Platform Terms, is any action on or related to an Accountholder's Financial Account that the User, an Accountholder or an Authorised User starts, submits or performs through Stripe Technology or the services, including any Financial Account Transaction. An Authorised User is an individual an Accountholder authorises to use the services.

Supporting quotations

“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.

“Stripe Treasury for Platforms Account” means an account that Stripe creates for a Stripe Treasury for Platforms Accountholder as part of the Stripe Treasury for Platforms Services to enable the management of Financial Account(s).

“Stripe Treasury for Platforms Account Activity” for purposes of these Stripe Treasury for Platforms (United Kingdom) - Platform Terms, means any action taken on or related to a Stripe Treasury for Platforms Accountholders’ Financial Account that User, a Stripe Treasury for Platforms Accountholder, or Stripe Treasury for Platforms Authorised User initiates, submits or performs, either through the Stripe Technology or through the Stripe Treasury for Platforms Services, including any Financial Account Transaction.

"Treasury for Platforms Authorised User" means an individual that a Stripe Treasury for Platforms Accountholder authorises to use the Stripe Treasury for Platforms Services.

Qualifications & exceptions

• Principal Owner counts indirect ownership as well as direct.

Charges & Financial Obligations · Context

Definitions: Treasury for Platforms Account Information, Dashboard and Product Guidelines

Account Information is Personal Data or business information a Connect Platform provides for its Connected Accounts so Stripe can check their eligibility for the services and make them available to Accountholders. The Dashboard is a user interface Stripe or a Connect Platform provides for an Accountholder to manage its Treasury for Platforms Account and Financial Accounts. The Product Guidelines are all product design, marketing, compliance, reporting and other guidelines and requirements a Stripe Entity establishes from time to time for the services.

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“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 to: (a) determine the Connected Accounts’ eligibility to access the Stripe Treasury for Platforms Services; and (b) make the Stripe Treasury for Platforms Services available to Stripe Treasury for Platforms Accountholders.

“Stripe Treasury for Platforms Dashboard” means a user interface Stripe or a Stripe Connect Platform provides that enables a Stripe Treasury for Platforms Accountholder to manage its Stripe Treasury for Platforms Account and Financial Accounts.

“Stripe Treasury for Platforms Product Guidelines” means all product design, marketing, compliance, reporting and other guidelines and requirements established by a Stripe Entity from time to time in connection with the Stripe Treasury for Platforms Services.

Qualifications & exceptions

• The Product Guidelines can be changed from time to time.

Not stated here

• The Product Guidelines are not supplied.

Charges & Financial Obligations · Context

Definitions: Treasury for Platforms Services (Preview), Territory (UK, Gibraltar, EEA) and Regulatory Requirements

The Treasury for Platforms Services are Preview Services that let an Accountholder create and maintain a Treasury for Platforms Account in which it can create Financial Accounts to store, spend and manage funds and make electronic payments and transfers. The Territory is (a) the UK and Gibraltar, for Financial Accounts provided by Stripe Payments UK Limited, and (b) the EEA, for Financial Accounts provided by Stripe Technology Europe Limited. Financial Account Regulatory Requirements are Law and the rules of the electronic funds transfer networks the services use.

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“Stripe Treasury for Platforms Services” means the Preview Services that enable a Stripe Treasury for Platforms Accountholder to create and maintain a Stripe Treasury for Platforms Account where the Stripe Treasury for Platforms Accountholder can create Financial Accounts to (a) store, spend, and manage funds; and (b) make electronic payments and funds transfers to and from its Financial Accounts.

“Stripe Treasury for Platforms Territory” means (a) the UK and Gibraltar, for Financial Accounts provided by Stripe Payments UK Limited; and (b) the EEA, for Financial Accounts provided by Stripe Technology Europe Limited.

“Financial Account Regulatory Requirements” means Law and the rules of the electronic funds transfer networks the Stripe Treasury for Platforms Services uses.

Qualifications & exceptions

• The services are Preview Services.
• The Territory depends on which Stripe entity provides the Financial Account.

Not stated here

• What Preview status changes for the User is set by other parts of the General Terms.

Charges & Financial Obligations · Restriction or exception

Definition: a Payout Delay includes outages, wrong details, Financial Partner failure and Force Majeure

A Treasury for Platforms Payout Delay is a delay to a Financial Account Transaction caused by (a) unavailability of a Financial Partner, Governmental Authority, telecommunications provider or internet service provider; (b) incorrect information, such as a bank account number, given to Stripe; (c) the User's equipment, software or technology; (d) a Financial Partner's delay or failure to settle a transaction to Stripe, including from its default, insolvency or bankruptcy; or (e) a Force Majeure Event. Stripe is not liable for losses from any such delay under Section 10.1.

Supporting quotations

“Treasury for Platforms Payout Delay” means a delay to a Financial Account Transaction caused by (a) the unavailability of a Financial Partner, Governmental Authority, telecommunications provider or internet service provider; (b) incorrect information, such as a bank account number, provided to Stripe; (c) User's equipment, software, or other technology; (d) a delay or failure of a Financial Partner to settle a Financial Account Transaction to Stripe, including as a result of a Financial Partner’s default, insolvency, or bankruptcy; or (e) a Force Majeure Event.

Qualifications & exceptions

• Stripe's disclaimer for these delays appears in Section 10.1.

Not stated here

• The terms do not say how long a delay may last.

Charges & Financial Obligations · Company practice

You earn no interest unless your platform says otherwise, and Stripe may be compensated for placing your funds at a bank

Unless the User's Stripe Connect Platform advises otherwise, the User will not earn interest on funds in its Financial Account. Stripe may be compensated for placing the User's funds at a Treasury Bank.

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4.4 Interest.

(a) No Interest Unless Advised. Unless User’s Stripe Connect Platform advises User otherwise, User will not earn interest on funds in User’s Financial Account. Stripe may be compensated for placing User's funds at a Treasury Bank.

Qualifications & exceptions

• Interest depends on what the User's platform advises.

Not stated here

• The terms do not state how Stripe is compensated or how much.

Charges & Financial Obligations · Procedure

If the account bears interest, RSP allocates it by average daily balance in whole cents, with rounding carried forward

If RSP sets up an interest-bearing Custodial Account and the User's platform tells the User its account will bear interest, RSP allocates accrued interest in proportion to the User's average daily balance over the preceding month against the average daily balance of all funds in that Custodial Account over the same period. Interest is allocated only in whole cents: a fraction below half a cent is rounded down and carried over to the following month, and a fraction of half a cent or more is rounded up and carried forward as negative accrual to the following month. A Custodial Account is a custodial account RSP holds in its own name at the Treasury Bank for all accountholders.

Supporting quotations

(b) Allocation of Interest. If RSP establishes an interest-bearing Custodial Account and User’s Stripe Connect Platform informs User that User’s Financial Account will bear interest, then RSP will allocate accrued interest under that Custodial Account in the proportion that User’s average daily balance during the preceding month bears to the average daily balance of all funds that are held in that Custodial Account over the same time period and calculated on the same basis. RSP will allocate interest to User’s Financial Account only in whole cents. Any fractional amount of the interest amount that would otherwise be credited to User’s Financial Account that is less than half of one cent will be rounded down and that fractional amount will be carried over to the following month. Any fractional amount of the funds equal to half of one cent or more will be rounded up and that fractional amount will be carried forward as negative accrual to the following month.

“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

• Applies only if RSP sets up an interest-bearing Custodial Account and the platform says the account bears interest.

Not stated here

• The terms do not state the interest rate.

Charges & Financial Obligations · Company practice

RSP need not notify you promptly when funds are added; you confirm receipt on the Dashboard

RSP is not obligated to notify the User promptly after funds are added to its Financial Account. The User can confirm through the Treasury for Platforms Dashboard whether RSP has received a Financial Account Transaction that adds funds.

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5. Transactions on User’s Financial Account.

5.1 Adding Funds to User’s Financial Account.

RSP is not obligated to notify User promptly after funds are added into User’s Financial Account. User can confirm via the Stripe Treasury for Platforms Dashboard whether RSP has received a Financial Account Transaction that adds funds to User’s Financial Account.

Charges & Financial Obligations · Permission or license

By starting a transfer you authorize your platform to instruct RSP, and RSP deducts it before completion

By starting a transfer from its Financial Account through the Treasury for Platforms Dashboard, the User authorizes its Stripe Connect Platform to instruct RSP to make the transaction the User specifies. RSP may deduct the amount of each transfer the platform starts or approves from the User's Available Balance even if the transfer has not yet been completed.

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5.2 Transfers from User’s Financial Account.

By initiating a transfer from User’s Financial Account via the Stripe Treasury for Platforms Dashboard, User authorizes User’s Stripe Connect Platform to instruct RSP to make the Financial Account Transaction User specifies. RSP may deduct the amount of each transfer that User’s Stripe Connect Platform initiates or approves from User’s Available Balance, even if the transfer has not yet been completed.

Qualifications & exceptions

• Deduction can happen before the transfer completes.

Charges & Financial Obligations · Permission or license

RSP sets Cut-Off Times and may change them immediately without notice

RSP sets Cut-Off Times for various Financial Account Transactions and gives them to the User through the Treasury for Platforms Dashboard or otherwise in writing. RSP may change a Cut-Off Time from time to time, effective immediately and without notice. The User may contact RSP at any time to verify the Cut-Off Time. A Cut-Off Time is the time on a business day by which RSP must receive an instruction or request to process it the same day.

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5.3 Funds Availability.

RSP establishes Cut-Off Times for various Financial Account Transactions and RSP will provide those Cut-Off Times to User through the Stripe Treasury for Platforms Dashboard or otherwise in writing. RSP may change the Cut-Off Time from time to time. Any change to the Cut-Off Time will be effective immediately and without notice to User. User may contact RSP at any time to verify the Cut-Off Time.

“Cut-Off Time” means the time on a business day by which RSP must receive an instruction or Financial Account Transaction request in order to process that instruction or request on the same day.

Qualifications & exceptions

• Changes take effect immediately and without notice.