221 of 1011 cards in Legal Rights & Agreement Rules
Legal Rights & Agreement Rules · Context
Being listed in the Service Terms does not mean a Service is available in your country
The opening notice says the list of Service Terms does not indicate that a Service, or part of one, is available in any particular country. Country availability is described on the Stripe Website and in the Documentation, which are linked but not part of this analyzed text.
Supporting quotations
The list of Service Terms below does not indicate that a Service or part of a Service is available in a particular country.
for more information on Stripe’s Services and their availability
Qualifications & exceptions
Availability information lives on the Stripe Website and Documentation; neither is supplied here.
Not stated here
Which Services are available in which countries is not stated in this document.
Legal Rights & Agreement Rules · Context
Translated versions of the Stripe Services Agreement are informational only
Stripe says it has translated the Stripe Services Agreement into selected languages for informational purposes only. The translations are linked, not supplied, and this analysis covers only the English text as saved.
Supporting quotations
For informational purposes only, we have translated the Stripe Services Agreement into
Qualifications & exceptions
Translations are described as informational only; the English text analyzed here is the operative one in this source.
Not stated here
Which languages are offered, and whether any translation is stated elsewhere to control, is not in this text.
Legal Rights & Agreement Rules · Context
A linked support article describes changes made on September 28, 2026
The page points readers to a Stripe support article about changes made September 28, 2026. That article is linked but not supplied, so what changed is not known from this text. The assignment records this version's stated date as October 2, 2026; the relationship between the two dates is not explained here.
Supporting quotations
Read more about the
changes made September 28, 2026
Qualifications & exceptions
Only this saved version is analyzed; the change summary is an external, unsupplied page.
Not stated here
What the September 28, 2026 changes were.
How the September 28, 2026 change date relates to the October 2, 2026 stated date of this version.
Legal Rights & Agreement Rules · Context
Five sets of Service Terms are labeled Preview in the index
The index marks five services as Preview: Stripe Agentic Commerce Agent Services, Stripe Agentic Commerce Seller Services, Stripe Global Payouts Stablecoin, Link Agent Wallet and Stripe Stablecoin Treasury (formerly Stablecoin Financial Accounts). The index does not say what Preview status means; any consequences are set out in those sections or elsewhere in the Agreement.
The Preview label appears in the index entry; its meaning is not defined in this packet.
Not stated here
What Preview status entails (for example limited availability, changed warranties or termination rights) is not stated in the index.
Legal Rights & Agreement Rules · Context
The index also lists terms for Atlas, Climate, Data Pipeline, Identity, Issuing fraud tools and more
Beyond payments, the index links separate Service Terms for Stripe Atlas Services, Stripe Climate, Stripe Data Pipeline, Stripe Identity, Stripe Issuing—Advanced Fraud Tools, Stripe Organizations and Stripe Professional Services. Each is analyzed in its own section; the index entry itself states no rules.
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Stripe Atlas Services
Stripe Climate
Stripe Data Pipeline
Stripe Identity
Stripe Issuing—Advanced Fraud Tools
Stripe Organizations
Stripe Professional Services
Qualifications & exceptions
Each entry is a link to a later section of this same document.
Legal Rights & Agreement Rules · Context
Connect, Issuing, Terminal and Treasury for Platforms have separate terms by role and, for some, by region
The index splits several products into separate sets of terms by the user's role: Stripe Connect has Platform and Infrastructure terms; Stripe Terminal has user and Platform terms; Stripe Treasury for Platforms has Connected Accounts and Platform terms. Stripe Issuing is further split by region, with Accountholder and Platform terms for the United Kingdom and European Economic Area and separate ones for the United States, and Stripe Treasury for Platforms has United Kingdom variants of both its Connected Accounts and Platform terms. Which set applies depends on the user's role and region as defined in those sections.
Supporting quotations
Stripe Connect—Platform
Stripe Connect—Infrastructure
Stripe Issuing—Accountholder (United Kingdom and European Economic Area)
Stripe Issuing—Platform (United Kingdom and European Economic Area)
Stripe Issuing—Accountholder (United States)
Stripe Issuing—Platform (United States)
Stripe Terminal
Stripe Terminal—Platform
Stripe Treasury for Platforms—Connected Accounts
Stripe Treasury for Platforms—Platform
Stripe Treasury for Platforms—Connected Accounts (United Kingdom)
Stripe Treasury for Platforms—Platform (United Kingdom)
Qualifications & exceptions
Role and region are defined in the linked sections, not in the index.
Not stated here
Whether the non-UK Treasury for Platforms terms are limited to the United States or another region is not stated in the index.
Legal Rights & Agreement Rules · Context
The Financial Services Terms supplement the General Terms and apply to a Service only when incorporated by reference
The Stripe Financial Services Terms, last modified September 28, 2026, supplement the General Terms and apply to a Service only if the Service Terms for that Service incorporate them by reference. Their Regional Terms, in Section 5 (Regional Terms) of these Financial Services Terms, apply according to the User's Stripe Account Country. Capitalized terms not defined here take their meaning from the General Terms, which are a separate document not supplied with this source.
Supporting quotations
Stripe Financial Services Terms
Last modified: September 28, 2026
supplement the General Terms and apply to a Service if incorporated by reference into the applicable Services Terms
The Regional Terms in Section 5 (Regional Terms) of these Stripe Financial Services Terms apply based on User’s Stripe Account Country.
Capitalized terms that are not defined in these Stripe Financial Services Terms have the same meanings given to them in the General Terms.
Qualifications & exceptions
These terms apply to a Service only where that Service's own Service Terms incorporate them.
Regional Terms apply based on the User's Stripe Account Country.
Not stated here
The General Terms are not supplied, so definitions taken from them are not verified here.
The 'Section 5' reference is read as Section 5 (Regional Terms) of these Financial Services Terms; the source numbering restarts in each set of Service Terms.
Legal Rights & Agreement Rules · Restriction or exception
Financial Provider Terms bind you, override conflicting terms and can change; Stripe disclaims provider failures
The User must comply with all Financial Provider Terms that apply to its use of the Services, meaning the rules and terms a Financial Provider sets for its services plus the PCI Standards. If a Financial Provider Term conflicts with this Agreement, the Financial Provider Term prevails to the extent of the inconsistency. Those terms may be amended from time to time, and continuing to use the applicable Services counts as agreement to the amended terms. To the extent Law and the applicable Financial Provider Terms permit, Stripe and its Affiliates are not liable for a third-party Financial Provider's failures or delays, including failing to settle a Transaction to Stripe or its Affiliates, or its default, insolvency or bankruptcy.
Supporting quotations
2.4 Financial Providers.
User must comply with all Financial Provider Terms that apply to User's use of the Services. If there is any inconsistency between any provision of this Agreement and the Financial Provider Terms, the applicable Financial Provider Terms will prevail to the extent of the inconsistency.
The Financial Provider Terms may be amended from time to time, and User’s continued use of the applicable Services constitutes User’s agreement to those amended terms.
To the extent Law and applicable Financial Provider Terms permit, Stripe and its Affiliates are not liable for failures or delays in performance by any third party Financial Provider, including as a result of (a) its failure to settle a Transaction to Stripe or its Affiliates; or (b) its default, insolvency, or bankruptcy.
“Financial Provider Terms” means (a) the rules and terms a Financial Provider specifies that apply to that entity’s services; and (b) the PCI Standards.
Qualifications & exceptions
The liability exclusion applies only to the extent Law and the applicable Financial Provider Terms permit.
Continued use after an amendment is treated as acceptance of the amended Financial Provider Terms.
Not stated here
The Financial Provider Terms themselves are external documents not supplied here.
How or whether the User is told of amendments to Financial Provider Terms is not stated.
Legal Rights & Agreement Rules · Context
Defined terms: Activity, Financial Provider Terms, Payment Method Acquirer and Reserve
The Financial Services Terms define several terms used across the Service Terms. 'Activity' is any action on or related to a Connected Account's Stripe Account that a Stripe Connect Platform or Connected Account initiates through the Stripe Technology or Stripe Connect Services, including related communications. 'Financial Provider Terms' are a Financial Provider's rules and terms plus the PCI Standards. A 'Payment Method Acquirer' is an entity a Payment Method Provider has authorized to sponsor or submit Transactions for authorization and clearing and to receive and remit settlement funds. 'Reserve' means collateral funds Stripe holds and controls to satisfy the User's actual or potential liabilities, including amounts described as Reserve in the Reserve Notice, the Stripe Dashboard or other communications.
Supporting quotations
4. Definitions.
“Activity” means any action taken on or related to a Connected Account's Stripe Account that a Stripe Connect Platform or a Connected Account initiates, submits or performs, either through the Stripe Technology or through the Stripe Connect Services, including communication regarding the Services as related to that Connected Account.
“Financial Provider Terms” means (a) the rules and terms a Financial Provider specifies that apply to that entity’s services; and (b) the PCI Standards.
“Payment Method Acquirer” means an entity that a Payment Method Provider has authorized to (a) sponsor or submit Transactions at the request of merchants to the Payment Method Provider for authorization and clearing; and (b) receive and remit settlement funds for authorized and cleared Transactions.
“Reserve” means collateral funds which Stripe holds and controls to satisfy any liabilities or potential liabilities User incurs under this Agreement, including any funds described as “Reserve” amounts in the Reserve Notice, the Stripe Dashboard or in any other communications to User.
Qualifications & exceptions
Terms not defined here take their meaning from the General Terms, which are not supplied.
Legal Rights & Agreement Rules · Context
Defined terms: Reserve Account and Stripe Payments Services
A 'Reserve Account' is one or more pooled accounts Stripe establishes to hold amounts designated as Reserves, so Reserve funds are not held in an account specific to the User. 'Stripe Payments Services' are the Services that let the User accept and refund Customer payments, perform related financial transactions and manage Customer Disputes.
Supporting quotations
“Reserve Account” means one or more pooled accounts established by Stripe to hold amounts designated as Reserves.
“Stripe Payments Services” means the Services that enable User to accept and refund Customer payments, perform related financial transactions, and manage Customer Disputes.
Qualifications & exceptions
Reserve Accounts are pooled, not User-specific.
Legal Rights & Agreement Rules · Restriction or exception
Regional Terms apply by country or region and override the Financial Services Terms where they conflict
Section 5 sets out Regional Terms for listed countries and regions. Where a Regional Term conflicts with the main Stripe Financial Services Terms, the Regional Term prevails. Which Regional Terms apply depends on the User's Stripe Account Country, as Section 1 states.
Supporting quotations
5. Regional Terms.
The following Regional Terms apply for the countries or regions below. If there is a conflict between the Stripe Financial Services Terms and the Regional Terms, the Regional Terms prevail.
Qualifications & exceptions
Regional Terms prevail only to the extent of a conflict with the Financial Services Terms.
Not stated here
How a conflict between two Regional Terms, or between Regional Terms and another Service's terms, would be resolved is not stated here.
Legal Rights & Agreement Rules · Context
EEA: Stripe Technology Europe (Stripe PSP) is a party only for regulated services and acquiring; it is not a bank
For Users in the European Economic Area, Stripe Technology Europe, Limited (Stripe PSP) is an additional party to the Agreement solely to provide Regulated Financial Services and to act as a Payment Method Acquirer, the entity authorized by a Payment Method Provider to submit Transactions for authorization and clearing and to receive and remit settlement funds. Otherwise, 'Stripe' in the Agreement means Stripe Payments Europe, Limited. Regulated Financial Services are the Services the Central Bank of Ireland has authorised Stripe PSP to provide (listed in the linked register) and any other regulated services it may lawfully provide. The Central Bank of Ireland has authorised Stripe PSP as an electronic money institution under reference number C187865. Stripe PSP is not a bank, offers no deposit or savings account, and is not part of the Financial Services Compensation Scheme or the Deposit Guarantee Scheme. Where Services are Regulated Financial Services, Stripe PSP is their only provider.
Supporting quotations
European Economic Area.
The following Regional Terms apply for Users in the European Economic Area.
5.1 Provision of Regulated Financial Services.
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. Each reference in this Agreement to “Stripe” means Stripe Payments Europe, Limited, except to the extent that the reference relates to providing Regulated Financial Services, in which case “Stripe” means Stripe PSP.
Stripe PSP is regulated by the Central Bank of Ireland. The Central Bank of Ireland has authorised Stripe PSP as an electronic money institution under reference number C187865. Stripe PSP is not a bank and does not offer any form of deposit or savings account. Stripe PSP is not part of the Financial Services Compensation Scheme or the Deposit Guarantee Scheme. To the extent the Services are Regulated Financial Services, Stripe PSP is the only provider of those Services.
“Payment Method Acquirer” means an entity that a Payment Method Provider has authorized to (a) sponsor or submit Transactions at the request of merchants to the Payment Method Provider for authorization and clearing; and (b) receive and remit settlement funds for authorized and cleared Transactions.
Qualifications & exceptions
Applies to Users in the European Economic Area.
Stripe PSP's role is limited to Regulated Financial Services and acting as Payment Method Acquirer.
Not stated here
The list of authorised services is on the Central Bank of Ireland register, linked but not supplied.
Legal Rights & Agreement Rules · Company commitment
EEA: Stripe notifies you of changes to the Agreement affecting Regulated Financial Services as Law requires
For Users in the European Economic Area, when the Agreement is modified in relation to Regulated Financial Services, Stripe will notify the User as Law requires. The clause sets no notice period or method of its own; it defers to the applicable Law.
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5.7 Notifications for Modifications to this Agreement related to Regulated Financial Services.
For modifications to this Agreement related to Regulated Financial Services, Stripe will notify User as Law requires.
Qualifications & exceptions
Applies to Users in the European Economic Area and only to modifications related to Regulated Financial Services.
Not stated here
The notice period and method required by Law are not stated.
How other modifications are notified is governed elsewhere, presumably the General Terms, which are not supplied.
Legal Rights & Agreement Rules · User right or choice
EEA: you can complain about regulated services to complaints@stripe.com and may escalate to the Irish FSPO
A User in the European Economic Area with a complaint about Regulated Financial Services provided by Stripe may contact complaints@stripe.com; Stripe's Complaints Policy is linked for more information. If the complaint is unresolved, the User may be entitled to refer it to the Irish Financial Services and Pensions Ombudsman (FSPO), whose details and eligibility requirements are in the Complaints Policy and on the FSPO website.
Supporting quotations
5.8 Complaints.
If User has a complaint about Regulated Financial Services provided by Stripe, User may contact complaints@stripe.com.
If User’s complaint is unresolved, User may be entitled to refer it to the Irish Financial Services and Pensions Ombudsman (FSPO).
Qualifications & exceptions
Applies to Users in the European Economic Area and to complaints about Regulated Financial Services.
Referral to the FSPO is subject to eligibility requirements ('may be entitled').
Not stated here
The Complaints Policy and FSPO eligibility rules are linked but not supplied.
Legal Rights & Agreement Rules · Context
UK, Switzerland, Gibraltar: Stripe Payments UK Ltd (Stripe PSP) is a party only for regulated services and acquiring
For Users in the United Kingdom, Switzerland and Gibraltar, Stripe Payments UK Ltd (Stripe PSP) is an additional party to the Agreement solely to provide Regulated Financial Services and to act as a Payment Method Acquirer; otherwise 'Stripe' means Stripe Payments Europe, Limited. Regulated Financial Services are the Services the U.K. Financial Conduct Authority has authorised Stripe PSP to provide, listed on the linked FCA register. The FCA has authorised Stripe PSP as an electronic money institution under reference number 900461. Stripe PSP is not a bank, offers no deposit or savings account, and is not part of the Financial Services Compensation Scheme or the Deposit Guarantee Scheme. Where Services are Regulated Financial Services, Stripe PSP is their only provider.
Supporting quotations
United Kingdom, Switzerland, Gibraltar.
The following Regional Terms apply for Users in the United Kingdom, Switzerland and Gibraltar.
5.1 Provision of Regulated Financial Services.
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. Each reference in this Agreement to “Stripe” means Stripe Payments Europe, Limited, except to the extent that the reference relates to providing Regulated Financial Services, in which case “Stripe” means Stripe PSP.
The U.K. Financial Conduct Authority has authorised Stripe PSP as an electronic money institution under reference number 900461. Stripe PSP is not a bank and does not offer any form of deposit or savings account. Stripe PSP is not part of the Financial Services Compensation Scheme or the Deposit Guarantee Scheme. To the extent the Services are Regulated Financial Services, Stripe PSP is the only provider of those Services.
Qualifications & exceptions
Applies to Users in the United Kingdom, Switzerland and Gibraltar.
Unlike the EEA clause, Regulated Financial Services here are only those the FCA has authorised; there is no 'any other regulated services' limb.
Not stated here
The FCA register entry is linked but not supplied.
Legal Rights & Agreement Rules · Company commitment
UK, Switzerland, Gibraltar: Stripe notifies you of changes affecting Regulated Financial Services as Law requires
For Users in the United Kingdom, Switzerland and Gibraltar, when the Agreement is modified in relation to Regulated Financial Services, Stripe will notify the User as Law requires. No notice period or method is set in the clause itself.
Supporting quotations
5.7 Notifications for Modifications to this Agreement related to Regulated Financial Services.
For modifications to this Agreement related to Regulated Financial Services, Stripe will notify User as Law requires.
Qualifications & exceptions
Applies to modifications related to Regulated Financial Services only.
Not stated here
The notice period and method required by Law are not stated.
Legal Rights & Agreement Rules · User right or choice
UK, Switzerland, Gibraltar: complain to complaints@stripe.com; unresolved complaints may go to the FOS
A User in the United Kingdom, Switzerland or Gibraltar with a complaint about Regulated Financial Services provided by Stripe may contact complaints@stripe.com; Stripe's Complaints Policy is linked. If the complaint is unresolved, the User may be entitled to refer it to the Financial Ombudsman Service (FOS), subject to eligibility requirements described in the Complaints Policy and on the FOS website.
Supporting quotations
5.8 Complaints.
If User has a complaint about Regulated Financial Services provided by Stripe, User may contact complaints@stripe.com.
If User’s complaint is unresolved, User may be entitled to refer it to the Financial Ombudsman Service (FOS).
Qualifications & exceptions
Referral to the FOS is subject to eligibility ('may be entitled').
Not stated here
The Complaints Policy and FOS eligibility rules are linked but not supplied.
Legal Rights & Agreement Rules · Context
Brazil: Stripe is not a bank, lender, e-money issuer or payment-account provider; a Stripe Account is neither account
For Users in Brazil, Stripe states that it is not a bank and does not accept bank deposits, provide loans or extend credit; it is also not an e-money issuer and does not offer payment accounts, as those terms are defined under Brazilian Law. A Stripe Account is not a deposit account or a payments account as defined under Brazilian Law.
Supporting quotations
Brazil.
The following Regional Terms apply for Users in Brazil.
5.1 Stripe’s Status.
Stripe is not a bank and does not accept bank deposits, provide loans or extend credit. Stripe is also not an e-money issuer and does not offer payment accounts (as those terms are defined under Brazilian Law). A Stripe Account is not a deposit account or a payments account (as defined under Brazilian Law).
Qualifications & exceptions
Applies to Users in Brazil; the terms are as defined under Brazilian Law.
Legal Rights & Agreement Rules · Procedure
Canada: Code complaints go to Stripe Complaints, acknowledged in 5 and resolved or explained in 20 business days
For Users in Canada, the Financial Consumer Agency of Canada (FCAC) has established a Code of Conduct for the Payment Card Industry in Canada, available on its website. Stripe has a process for potential Code violations: a User with a complaint about an element of the Code is asked to submit it to Stripe Complaints with the requested information and identify which of the thirteen Code elements (or the complaint-handling process itself) it concerns. Stripe will acknowledge receipt within 5 business days and will either resolve the complaint within 20 business days of receipt or explain why it has not been resolved in that time. If the complaint remains unresolved after this process, the User may contact the FCAC by phone or email.
Supporting quotations
5.2 Code of Conduct, Complaint Handling Disclosure.
The Financial Consumer Agency of Canada (the “FCAC”) has established a Code of Conduct for the Payment Card Industry in Canada (the “Code”), a copy of which is available at the
Stripe has established a process for managing potential Code compliance violations. If User has a complaint about a particular element of the Code, User is asked to submit User’s complaint to
Element 1: Transparency and Disclosure by Acquirers and Downstream Participants; Element 2: Notice to Acquirers of PCNO Core Fee Changes; Element 3: Ability to Cancel Agreements without Penalty
Element 13: Branding of Cards; or the Code Complaint Handling Process.
Stripe will acknowledge receipt of User’s email within 5 business days of receipt in accordance with the Code. Stripe will either resolve the complaint within 20 business days of receipt of User’s email, or provide User information as to why it has not been resolved within that period.
If User’s complaint has not been resolved after following this process, User may contact the Financial Consumer Agency of Canada by calling 1-866-461-3222 or emailing info@fcac-acfc.gc.ca.
Qualifications & exceptions
Applies to Users in Canada and to complaints about elements of the Code.
The 20-business-day commitment is to resolve or to explain why not, not to resolve in every case.
Not stated here
The Code's text is linked but not supplied.
Legal Rights & Agreement Rules · Context
Hong Kong: no deposit account, stored value facility or money service; your balance only reflects Transactions
For Users in Hong Kong, Stripe does not provide a deposit account, offer a stored value facility or operate a money service. References to funds or a balance held in the User's Stripe Account reflect only Transactions that Stripe has processed for the User.
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5.2 No Deposit Account, Stored Value Facility or Money Service.
Stripe does not provide User a deposit account, offer User a stored value facility, or operate a money service. References to the funds or balance held in User’s Stripe Account reflect Transactions that Stripe has processed for User only.
Qualifications & exceptions
Applies to Users in Hong Kong.
Legal Rights & Agreement Rules · Context
Mexico: Stripe is an aggregator or acquirer under Bank of Mexico rules, not a bank, money transmitter or MSB
For Users in Mexico, Stripe states that it is not a bank, money transmitter or money services business (MSB) and does not accept deposits or offer banking or MSB services as defined by the Credit Institutions Law and the Law for Credit Auxiliary Organizations and Activities. Stripe acts as an aggregator or acquirer under the General Rules Applicable to the Payment Processing Networks published by the Bank of Mexico on March 11, 2014, as amended, and under any other applicable regulation issued by the Bank of Mexico, the National Banking and Securities Commission or another government authority for participants in Mexican payment processing networks.
Supporting quotations
Mexico.
The following Regional Terms apply for Users in Mexico.
5.1 Stripe’s Status as an Aggregator or Acquirer.
Stripe is not a bank, money transmitter, or a money services business (“MSB”) and does not accept deposits or offer banking or MSB services as defined by the Credit Institutions Law (Ley de Instituciones de Crédito), and the Law for Credit Auxiliary Organizations and Activities (Ley General de Organizaciones y Actividades Auxiliares del Crédito). Stripe is acting as an aggregator or acquirer under the terms of the General Rules Applicable to the Payment Processing Networks (Disposiciones de Carácter General Aplicables a las Redes de Medios de Disposición), published by the Bank of Mexico on March 11, 2014, as amended from time to time
Qualifications & exceptions
Applies to Users in Mexico.
The Mexican laws and rules are cited by name; their text is not supplied.
Legal Rights & Agreement Rules · Context
The Payments Terms govern the Stripe Payments Services with the General Terms and Financial Services Terms
The Stripe Payments Terms, last modified September 28, 2026, supplement the General Terms and the Stripe Financial Services Terms; together the three govern use of the Stripe Payments Services, the Services for accepting and refunding Customer payments, performing related financial transactions and managing Customer Disputes. Their Regional Terms, in Section 15 (Regional Terms) of these Payments Terms, apply according to the User's Stripe Account Country. Capitalized terms not defined here take their meaning from the General Terms (not supplied) or the Financial Services Terms.
Supporting quotations
Stripe Payments
Last modified: September 28, 2026
1. Stripe Payments Services.
These terms (“Stripe Payments Terms”) supplement the General Terms and the Stripe Financial Services Terms, which together govern the use of the Stripe Payments Services. The Regional Terms in Section 15 (Regional Terms) of these Stripe Payments Terms apply based on User’s Stripe Account Country.
“Stripe Payments Services” means the Services that enable User to accept and refund Customer payments, perform related financial transactions, and manage Customer Disputes.
Qualifications & exceptions
Regional Terms in Section 15 apply based on the User's Stripe Account Country.
The General Terms are a separate, unsupplied document.
Not stated here
The 'Section 15' reference is read as Section 15 (Regional Terms) of these Payments Terms; numbering restarts in each set of Service Terms.
Legal Rights & Agreement Rules · Restriction or exception
Submitting a Transaction accepts the Payment Method Rules and Terms, which are Financial Provider Terms
The User may accept payment from Customers through various Payment Methods by submitting Transactions to Stripe through the Stripe Technology. It must comply with each Payment Method's acceptance and use requirements, which may be built into the Stripe API and other Stripe Technology as described in the Documentation, or set out in the Payment Method Rules, the Payment Method Terms (terms on the Stripe Website, including the Stripe Legal Page, described there as 'Payment Method Terms'), or both. Using the Stripe Payments Services to accept a Payment Method or submit a Transaction counts as acceptance of the applicable Rules and Terms. Both are Financial Provider Terms, so under the Financial Services Terms they prevail over the Agreement where inconsistent and may change over time.
Supporting quotations
3. Payment Methods and Transactions; Payment Method Rules and Payment Method Terms.
3.1 Acceptance and Use Requirements.
User may accept payment from Customers using various Payment Methods by submitting Transactions to Stripe through the Stripe Technology. User must comply with Payment Method acceptance and use requirements which may be incorporated into the Stripe API and other Stripe Technology described in the Documentation, or set out in the Payment Method Rules, the Payment Method Terms, or both. Using the Stripe Payments Services to accept a Payment Method or submit a Transaction constitutes User’s acceptance of the applicable Payment Method Rules and Payment Method Terms. Payment Method Rules and Payment Method Terms are Financial Provider Terms for purposes of this Agreement.
“Payment Method Terms” means terms that apply to User’s acceptance and use of a Payment Method, located on or accessible from the Stripe Website, including on the Stripe Legal Page, and which as of the Effective Date are described on that page as “Payment Method Terms.”
Qualifications & exceptions
Acceptance of the Rules and Terms happens by use, not by a separate signature.
As Financial Provider Terms, they prevail over conflicting Agreement provisions and can be amended (Financial Services Terms Section 2.4).
Not stated here
The Payment Method Rules and Payment Method Terms are external documents not supplied here.
Legal Rights & Agreement Rules · Restriction or exception
Some card networks require Acquirer Terms, a direct contract you accept by submitting Transactions
Some Payment Method Providers require that their Payment Methods be accepted only through a Payment Method Acquirer, which may be Stripe, a Stripe Affiliate or a Financial Provider. Some, such as Visa and Mastercard in certain countries, require the User to enter into Acquirer Terms, which identify the acquirer responsible for Transactions with that Payment Method, create a direct contractual relationship between the User and the acquirer, and may include additional agreements the User must accept. Acquirer Terms are Financial Provider Terms; they state which Payment Methods they cover and when they take effect. By using the Stripe Payments Services to submit certain Card Network Transactions, the User agrees to the Acquirer Terms of the applicable acquirers listed on the Acquirer Disclosure on the Stripe Legal Page.
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3.2 Acquirer Terms.
Some Payment Method Providers require that their Payment Methods be accepted only through a Payment Method Acquirer, which may be Stripe, a Stripe Affiliate, or a Financial Provider. Some of these Payment Method Providers, such as Visa and Mastercard in certain countries, require User to enter into Acquirer Terms, which (a) will identify the Payment Method Acquirer responsible for Transactions using that Payment Method Provider’s Payment Method, (b) will establish a direct contractual relationship and terms between User and the Payment Method Acquirer, and (c) may include additional agreements that User must accept in order to accept Transactions via that Payment Method Acquirer, as those Acquirer Terms further describe.
By using the Stripe Payments Services to submit certain Card Network Transactions, User agrees to the Acquirer Terms for the applicable Payment Method Acquirers, if any, listed on the
“Acquirer Disclosure” means information on applicable Payment Method Acquirers, which is accessible from the Stripe Legal Page.
“Acquirer Terms” means the terms that a Payment Method Acquirer has specified that apply to that Payment Method Acquirer’s services, located on or accessible from the Stripe Legal Page.
“Payment Method Acquirer” means an entity that a Payment Method Provider has authorized to (a) sponsor or submit Transactions at the request of merchants to the Payment Method Provider for authorization and clearing; and (b) receive and remit settlement funds for authorized and cleared Transactions.
Qualifications & exceptions
Applies only where a Payment Method Provider requires acceptance through a Payment Method Acquirer and Acquirer Terms.
Agreement is by submitting the relevant Card Network Transactions, not a separate signature.
Not stated here
The Acquirer Terms and the Acquirer Disclosure are on the Stripe Legal Page and not supplied; which acquirers apply in which countries is not stated here.
Legal Rights & Agreement Rules · Company practice
Payment Method Providers can enforce the Agreement against you and end your access to a method at any time
Payment Method Providers and Payment Method Acquirers are Financial Providers. A Payment Method Provider may enforce the Agreement directly against the User with respect to its own Payment Methods. A Provider or Acquirer may terminate the User's ability to accept a Payment Method at any time and for any reason, after which the User can no longer accept that method under the Agreement. Stripe may add or remove Providers or Acquirers at any time and, with notice to the User, may change the Payment Methods in the User's integration.
Supporting quotations
3.3 Payment Method Providers and Payment Method Acquirers.
Payment Method Providers and Payment Method Acquirers are Financial Providers. Payment Method Providers may enforce the terms of this Agreement directly against User with respect to that Payment Method Provider’s Payment Method(s). A Payment Method Provider or Payment Method Acquirer may terminate User’s ability to accept a Payment Method at any time and for any reason, in which case User will no longer be able to accept that Payment Method under this Agreement. Stripe may add or remove Payment Method Providers or Payment Method Acquirers at any time. Stripe may, with notice to User, change Payment Methods in User's integration of the Services.
Qualifications & exceptions
Termination by a Provider or Acquirer needs no reason.
Stripe's change to the Payment Methods in the User's integration comes with notice; adding or removing Providers or Acquirers does not require notice under this clause.
Not stated here
The form and timing of Stripe's notice for integration changes are not stated.
Legal Rights & Agreement Rules · Restriction or exception
You must follow the card network rules, which can change without notice, and may not split one sale into several charges
When accepting payment card Transactions, the User must comply with all applicable Card Network Rules, the Payment Method Rules published by a Card Network (Visa, Mastercard, American Express, Discover and others), including the linked Visa Rules, Mastercard Rules and American Express Merchant Operating Guide. The User must not split payment for a single transaction into multiple Transactions except where the Payment Method Rules, Payment Method Terms and Acquirer Terms expressly permit it. Each Card Network may amend its rules at any time without notice to the User.
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3.4 Card Transactions.
When accepting payment card Transactions, User must comply with all applicable Card Network Rules, including the
User must not split payment for a single transaction into multiple Transactions except as the Payment Method Rules, Payment Method Terms and Acquirer Terms expressly permit. Each Card Network may amend its Card Network Rules at any time without notice to User.
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
Qualifications & exceptions
Splitting is allowed only where the Rules, Terms and Acquirer Terms expressly permit it.
Card Network Rules can change at any time without notice to the User.
Not stated here
The Card Network Rules are linked external documents, not supplied.
Legal Rights & Agreement Rules · Restriction or exception
You may not make Customers waive their right to dispute a charge, and may not disparage or harm a Card Network
The User must not require a Customer, as a condition of accepting their card, to waive the right to dispute a Transaction; a Dispute is a Customer-initiated instruction to reverse or invalidate a processed Transaction, including what Payment Method Providers call chargebacks. The User must also not disparage any Card Network or its services, or submit any Transaction that harms a Card Network.
Supporting quotations
User must not require, as a condition to card acceptance, a Customer to waive a right to dispute a Transaction.
User must not disparage any Card Network or any of their services, or submit any Transaction that harms any Card Network.
“Dispute” means an instruction a Customer initiates to reverse or invalidate a processed Transaction (including “chargebacks” and “disputes” as those terms may be used by Payment Method Providers).
Qualifications & exceptions
The waiver ban applies to conditions of card acceptance.
Not stated here
What conduct counts as disparaging or harming a Card Network is not defined.
Legal Rights & Agreement Rules · Procedure
Network-imposed duties: own your agents’ acts, do not bind providers, keep data quality, fair refunds, respect Marks
As required by the Payment Method Rules: each party is responsible, as between them, for the acts and omissions of its employees, contractors and agents; the User cannot bind a Payment Method Provider to any contract or obligation unless the Provider agrees, and must not claim it can; the User must meet the Rules' data quality requirements for Transaction data and comply with the Provider's technical specifications; and the User must process the Transaction data it collects promptly, accurately and completely. The User must maintain and make available to Customers a fair and neutral refund and exchange policy and clearly explain how Customers get a Refund, a User-initiated full or partial return of funds for a processed Transaction. Payment Method Providers keep all IP Rights in their Marks; the User must not contest them, may use the Marks only consistently with the Payment Method Rules, and must promptly follow Stripe's instructions on their use or presentation.
Supporting quotations
3.8 Requirements Imposed by Payment Method Rules.
As required by the Payment Method Rules (a) as between the parties, each party is responsible for the acts and omissions of its employees, contractors, and agents; (b) unless a Payment Method Provider agrees otherwise, User cannot bind a Payment Method Provider to any contract or obligation, and User must not represent that User can do so; (c) User will meet data quality requirements for relevant categories of Transaction data (as described in the Payment Method Rules) and in respect of that data, User must comply with all technical specifications mandated by the relevant Payment Method Provider; and (d) User must ensure that Transaction data that User collects is processed promptly, accurately and completely.
User must maintain and make available to Customers a fair and neutral refund and exchange policy, and clearly explain the process by which Customers can receive a Refund. Payment Method Providers retain all IP Rights in their Marks, and User must not contest any Payment Method Provider’s IP Rights in their Marks. User may only use Payment Method Providers’ Marks in a manner consistent with the Payment Method Rules, and User must promptly comply with all instructions from Stripe regarding use or presentation of Payment Method Providers’ Marks.
“Refund” means an instruction User initiates to provide a full or partial return of funds to a Customer for a processed Transaction.
Qualifications & exceptions
These duties are stated as requirements of the Payment Method Rules.
A Provider may agree to let the User bind it; otherwise the User cannot.
Not stated here
The data quality requirements and technical specifications are in the Payment Method Rules, not supplied.
Legal Rights & Agreement Rules · Context
Payments Terms definitions: Acquirer Terms, Card Network and Rules, Dispute, MOTO and Merchant Initiated, Payout Delay
Section 14 defines the terms used in the Payments Terms. 'Acquirer Disclosure' is information on applicable Payment Method Acquirers on the Stripe Legal Page; 'Acquirer Terms' are the acquirer's own terms there. 'Card Network' includes the Visa, Mastercard, American Express and Discover networks; 'Card Network Rules' are the Payment Method Rules a Card Network publishes. A 'Dispute' is a Customer-initiated instruction to reverse or invalidate a processed Transaction, including chargebacks. 'Financial Account' is the Stripe Account provided under the Stripe Treasury Services. A 'Merchant Initiated Transaction' is one the User initiates under a Customer's standing authorization (mandate) without further Customer action; a 'MOTO Transaction' is one initiated by mail order or telephone. 'Multi-Currency Processing' is settlement in a currency other than the payment currency. 'Payment Method Account Details' are the Customer account details the PCI Standards protect, including name, card number, expiration date and security code. 'Payment Method Terms' are the terms on the Stripe Website described as such. A 'Payout Delay' is a delay to the Payout Schedule caused by provider or network unavailability, incorrect information given to Stripe, the User's technology, a Financial Provider's settlement delay or failure (including insolvency), or a Force Majeure Event.
Supporting quotations
14. Definitions.
“Acquirer Disclosure” means information on applicable Payment Method Acquirers, which is accessible from the Stripe Legal Page.
“Acquirer Terms” means the terms that a Payment Method Acquirer has specified that apply to that Payment Method Acquirer’s services, located on or accessible from the Stripe Legal Page.
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
“Dispute” means an instruction a Customer initiates to reverse or invalidate a processed Transaction (including “chargebacks” and “disputes” as those terms may be used by Payment Method Providers).
“Financial Account” means the Stripe Account that Stripe provides to User as part of the Stripe Treasury Services.
“Merchant Initiated Transaction” means a Transaction or a series of Transactions that User initiates according to an authorization (i.e., mandate) that User receives from a Customer that authorizes User to initiate the Transaction(s) on the agreed terms, without requiring the Customer to take any further action to trigger their initiation by User.
“MOTO Transaction” means a Transaction that User initiates through a mail order or over the telephone.
“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.
“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.
“Payment Method Terms” means terms that apply to User’s acceptance and use of a Payment Method, located on or accessible from the Stripe Website, including on the Stripe Legal Page, and which as of the Effective Date are described on that page as “Payment Method Terms.”
“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, including as a result of a Financial Provider’s default, insolvency, or bankruptcy; or (e) a Force Majeure Event.
Qualifications & exceptions
The definitions continue in the next packet (Payout Schedule onward).
Legal Rights & Agreement Rules · Context
Payments Terms definitions: Payout Schedule and Speed, Pooled Account, Refund, Reversal and Stablecoin Partner terms
The remaining Section 14 definitions: the 'Payout Schedule' is the cadence (daily, weekly, monthly) the User selects in the Stripe Dashboard for paying settlement funds to a User Bank Account once they are available; 'Payout Speed' is the number of days after a Transaction until its funds become available in the Stripe Account, as stated in the Documentation. A 'Pooled Account' receives Transaction settlement funds for many users. A 'Refund' is a User-initiated full or partial return of funds for a processed Transaction; a 'Reversal' is the reversal of a Transaction's settlement. A 'Stablecoin Partner' is a Stripe Affiliate or third party providing Stablecoin exchange, custody, transmission or payout services under its own 'Stablecoin Partner Terms', which may be updated from time to time, and a 'Stablecoin Partner Wallet' is the account or wallet it maintains for the User to hold, exchange and transmit Stablecoin.
Supporting quotations
“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.
"Payout Speed" means the number of days following the Transaction that it takes for the Transaction settlement funds to become available in User’s Stripe Account as stated in the Documentation.
“Pooled Account” means a pooled account to which Transaction settlement funds are credited.
“Refund” means an instruction User initiates to provide a full or partial return of funds to a Customer for a processed Transaction.
“Reversal” means the reversal of the settlement of funds for a Transaction.
“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
Payout Speed is set by the Documentation, not by the User; the Payout Schedule is the User's selection.
Stablecoin Partner Terms may be updated from time to time.
Legal Rights & Agreement Rules · Restriction or exception
The Payments Regional Terms apply by country or region and override the Payments Terms where they conflict
Section 15 sets out Regional Terms for listed countries and regions. Where a Regional Term conflicts with the main Stripe Payments Terms, the Regional Term prevails. Which Regional Terms apply depends on the User's Stripe Account Country, as Section 1 states.
Supporting quotations
15. Regional Terms.
The following Regional Terms apply for the countries or regions below. If there is a conflict between the Stripe Payments Terms and the Regional Terms, the Regional Terms prevail.
Qualifications & exceptions
Regional Terms prevail only to the extent of a conflict with the Payments Terms.
Legal Rights & Agreement Rules · Context
Brazil: Stripe itself, not an Affiliate or Financial Provider, is the Payment Method Acquirer
For Users in Brazil, for the avoidance of doubt, Stripe is the Payment Method Acquirer, not a Stripe Affiliate or a Financial Provider. This fixes which entity plays the acquirer role described in Sections 3.2 and 3.3 of the Payments Terms.
Supporting quotations
Brazil.
The following Regional Terms apply for Users in Brazil.
15.1 Stripe as the Payment Method Acquirer.
For the avoidance of doubt, Stripe is the Payment Method Acquirer in Brazil, not a Stripe Affiliate or Financial Provider.
Qualifications & exceptions
Applies to Users in Brazil.
Legal Rights & Agreement Rules · Context
India: you agree Stripe acts only as a payment facilitator and is not a bank or non-banking financial company
For Users in India, the User expressly agrees and acknowledges that Stripe acts, and will at all times act, only as a payment facilitator for Transactions between the User and its Customers. Stripe is not, and will not be characterized as, a banking company under the Banking Regulation Act, 1949 or a non-banking financial company under the Reserve Bank of India Act, 1934.
Supporting quotations
India.
The following Regional Terms apply for Users in India.
15.1 Stripe acting as Payment Facilitator.
User expressly agrees and acknowledges that Stripe acts and will act (at all times) only as a payment facilitator with respect to the Transactions between User and User’s Customers. Stripe is not and will not be characterized as: (i) a banking company as defined under the Banking Regulation Act, 1949 or (ii) a non-banking financial company as defined by the Reserve Bank of India Act, 1934.
Qualifications & exceptions
Applies to Users in India.
The Indian statutes are cited by name; their text is not supplied.
Legal Rights & Agreement Rules · User right or choice
India: complaints about the Payment Services go through the channels in Stripe's board-approved Complaints Policy
For Users in India, a User with a complaint about the Stripe Payment Services may contact Stripe through the channels named in Stripe's board-approved Complaints Policy on handling Customer complaints. The policy is linked but not supplied.
Supporting quotations
15.5 Complaints Policy.
If User has a complaint about the Stripe Payment Services, User may contact Stripe through the appropriate channels mentioned in Stripe’s board-approved
Qualifications & exceptions
Applies to Users in India.
Not stated here
The Complaints Policy's channels and timelines are not in this text.
Legal Rights & Agreement Rules · Restriction or exception
India: you and your providers must follow all relevant Laws, including the RBI payment-data storage circular
For Users in India, the User must comply, and ensure any third-party service provider it engages complies, with all Laws relevant to its use of the Services, whether or not those Laws apply directly to the User or its providers. This expressly includes the Reserve Bank of India's circular of April 6, 2018 on 'Storage of Payment System Data' and any directions issued in connection with it.
Supporting quotations
15.6 Compliance with Law and Reserve Bank of India’s Requirements.
User will comply, and will ensure that third-party service provider User engages will comply, with all Laws that may be relevant to User’s use of the Services, whether or not those Laws are directly applicable to User or User’s third-party service providers, including compliance with the circular dated April 6, 2018 on ‘Storage of Payment System Data’ issued by the Reserve Bank of India, and any directions or instructions issued in connection with the circular.
Qualifications & exceptions
Applies to Users in India.
The duty reaches Laws not directly applicable to the User or its providers.
The RBI circular is cited by name and date; its text is not supplied.
Legal Rights & Agreement Rules · Restriction or exception
India Amex terms: Amex excludes indirect damages and carrier or bank delays, owes you nothing, and can enforce on you
Under the India American Express terms, American Express's liability for the User's acceptance of its cards excludes indirect, consequential, exemplary, punitive or special damages, even if American Express was warned they might occur, and American Express is not responsible for damages from delays or problems caused by telecommunications carriers or the banking system. The Payment Terms give the User no rights against American Express, while American Express is an intended third-party beneficiary entitled to enforce the Payment Terms and its own Terms and Conditions against the User.
Supporting quotations
American Express' liability in connection with User’s acceptance of American Express cards will not include indirect or consequential, exemplary, punitive or special damages, even if American Express has been advised of the possibility of such damages in advance. American Express will not be responsible for damages arising from delays or problems caused by telecommunications carriers or the banking system.
These Payment Terms do not give User any rights against American Express. American Express is an intended third-party beneficiary of these Payment Terms and is entitled to enforce these Payment Terms and its Terms and Conditions against User.
Qualifications & exceptions
Applies to Users in India who elect to accept American Express cards.
Rights run one way: American Express can enforce against the User, but the User gains no rights against American Express.
Legal Rights & Agreement Rules · Context
Indonesia: a Refund you instruct is not money transmission carried out by Stripe on your behalf
For Users in Indonesia, the User agrees and understands that any return of funds to a Customer for a Refund, made on the User's instruction, is not a money transmission carried out by Stripe on the User's behalf.
Supporting quotations
Indonesia.
The following Regional Terms apply for Users in Indonesia.
15.1 Refunds.
User agrees and understands that any return of funds to a Customer for a Refund pursuant to an instruction from User is not a money transmission carried out by Stripe on User’s behalf.
Qualifications & exceptions
Applies to Users in Indonesia.
Legal Rights & Agreement Rules · Restriction or exception
Singapore: country-specific American Express card acceptance terms replace the Merchant Operating Guide
For Users in Singapore, 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). The Singapore terms are linked but not supplied.
Supporting quotations
Singapore.
The following Regional Terms apply for Users in Singapore.
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
Qualifications & exceptions
Applies to Users in Singapore and only to American Express acceptance.
Not stated here
The Singapore American Express terms are external and not supplied.
Legal Rights & Agreement Rules · Context
The Adaptive Pricing Terms govern local-currency pricing, with the Financial Services Terms incorporated
The Stripe Adaptive Pricing Terms, last modified November 18, 2025, supplement the General Terms and incorporate the Stripe Financial Services Terms by reference; together they govern the Stripe Adaptive Pricing Services, which let the User present the price of its goods and services in a Customer's local currency using Stripe's Currency Exchange Rate, as described in the Documentation. Undefined capitalized terms take their meaning from the General Terms (not supplied) or the Financial Services Terms.
Supporting quotations
Stripe Adaptive Pricing
Last modified: November 18, 2025
1. Stripe Adaptive Pricing Services.
These terms (“Stripe Adaptive Pricing Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms which are incorporated into these Stripe Adaptive Pricing Terms by this reference, govern the use of the Stripe Adaptive Pricing Services.
“Stripe Adaptive Pricing Services” means the Services that enable User to present the price of its goods and services in a Customer’s local currency using the Currency Exchange Rate, as described in the Documentation.
Qualifications & exceptions
The Financial Services Terms are incorporated by reference, so their Reserve, security interest and regional rules apply to this Service.
No Regional Terms section exists in these terms.
Not stated here
The Documentation describing the Service is not supplied.
Legal Rights & Agreement Rules · Restriction or exception
Local-currency totals are higher, your manual prices override it, it is not foreign exchange, partner fees are yours
The User acknowledges that the Currency Exchange Rate is applied to Integration Currency prices to compute the local-currency price, so a Customer paying in local currency pays more in total than one paying in the Integration Currency. The User's configuration of the Stripe Payment Services can affect the Service: if the User manually sets prices in a particular alternative currency, Adaptive Pricing does not apply to those prices and the manual prices prevail. The Stripe Adaptive Pricing Services do not supply foreign currency and are not a foreign currency exchange or similar service. The User is fully responsible for, and Stripe disclaims liability for, additional fees a Financial Services Partner may charge the User or a Customer in relation to the Service.
Supporting quotations
4. Disclaimers.
If User uses the Stripe Adaptive Pricing Services, User acknowledges that the Currency Exchange Rate will be applied to the Integration Currency prices of goods and services to calculate the corresponding Customer local currency price, and the total amount a Customer pays in their local currency will be higher than if they pay in the Integration Currency.
User’s use and configuration of the Stripe Payment Services may affect the operation of the Stripe Adaptive Pricing Services. For example, if User manually sets prices for User’s goods and services in a particular alternative currency, the Stripe Adaptive Pricing Services will not apply to determine the price of those goods and services in that particular currency, and User’s manually-set prices will prevail.
The Stripe Adaptive Pricing Services do not provide a supply of foreign currencies, and are not a foreign currency exchange or similar service.
User is fully responsible for, and Stripe disclaims all liability with respect to, additional fees a Financial Services Partner may charge User or a Customer in relation to the Stripe Adaptive Pricing Services.
Qualifications & exceptions
Manually set alternative-currency prices take precedence over Adaptive Pricing for that currency.
Stripe disclaims liability for Financial Services Partner fees to either the User or the Customer.
Not stated here
'Financial Services Partner' is a capitalized term not defined in these terms; its definition presumably sits in the General Terms, not supplied.
Legal Rights & Agreement Rules · Context
Adaptive Pricing definitions: Card Network, Currency Exchange Rate, Integration Currency, Refund and the Services
Section 5 defines the terms used in these Adaptive Pricing Terms: 'Card Network' (including Visa, Mastercard, American Express and Discover), 'Currency Exchange Rate' (the Stripe-determined rate applied during a Customer transaction to convert prices into the Customer's local currency), 'Integration Currency' (the currency in which the User originally prices its goods and services), 'Refund' (a User-initiated full or partial return of funds for a processed Transaction) and 'Stripe Adaptive Pricing Services' (the Services that present prices in a Customer's local currency using the Currency Exchange Rate). A 'Back to Top' link closes the section.
Supporting quotations
5. Definitions.
“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.
“Integration Currency” means the currency in which a User originally prices its goods and services.
“Refund” means an instruction User initiates to provide a full or partial return of funds to a Customer for a processed Transaction.
“Stripe Adaptive Pricing Services” means the Services that enable User to present the price of its goods and services in a Customer’s local currency using the Currency Exchange Rate, as described in the Documentation.
Legal Rights & Agreement Rules · Context
The Agentic Commerce Agent Terms (Preview) govern APIs that let AI agents buy for customers; Radar Terms may apply
The Agentic Commerce Agent Terms, last modified April 20, 2026 and labeled Preview in the index, supplement the General Terms and, where applicable to the User, the Stripe Radar Terms, and govern use of the Agentic Commerce Agent Services: the Services, including APIs and related infrastructure, that enable the Agentic Interface, as described in the Documentation. Undefined capitalized terms take their meaning from the General Terms, the Stripe Radar Terms, the Stripe Connect Infrastructure Terms, the Stripe Payments Terms and the Stripe Orchestrated Services Terms.
Supporting quotations
Stripe Agentic Commerce Agent Services (Preview)
Last modified: April 20, 2026
1. Stripe Agentic Commerce Agent Services.
These terms ("Agentic Commerce Agent Terms") supplement the General Terms, and if applicable to User, the Stripe Radar Terms, and govern User's use of the Agentic Commerce Agent Services. Capitalized terms not defined in these Agentic Commerce Agent Terms have the meanings given to them in the General Terms, the Stripe Radar Terms, the Stripe Connect Infrastructure Terms, the Stripe Payments Terms and the Stripe Orchestrated Services Terms.
"Agentic Commerce Agent Services" means the Services, including the provision of APIs and related infrastructure, that enable the Agentic Interface, as described in the Documentation.
Qualifications & exceptions
The Radar Terms apply only 'if applicable to User'.
Definitions may come from five other sets of terms; the General Terms are not supplied.
Not stated here
What Preview status entails for this Service is not stated in these terms.
Legal Rights & Agreement Rules · Restriction or exception
Network requirements bind you; Stripe may amend these terms for them, you secure waivers, networks may enforce directly
The User must ensure its use of the Agentic Commerce Agent Services complies with all applicable Payment Method Requirements, the Agentic Payment Method Providers' public rules plus the Stripe Website terms on accepting an Agentic Payment Method, including requirements on payment method presentment, use of payment method Marks, and the privacy, protection, collection, use, storage and disclosure of data. Stripe may amend these terms or add terms to reflect requirements an Agentic Payment Method Provider (such as Visa) imposes, giving reasonable prior written notice except where the Provider requires immediate implementation, in which case notice follows as soon as reasonably practicable. If the User's use needs a waiver from a Provider, the User must obtain it, keep it effective during the Term and evidence it on request. The User must give Providers the information, cooperation and assistance they reasonably request, within the time Stripe or the Provider specifies, and a Provider may enforce these terms directly against the User for its own payment methods.
Supporting quotations
User must ensure that its use of the Agentic Commerce Agent Services complies with all applicable Payment Method Requirements, including requirements related to Agentic Payment Method presentment, use of Agentic Payment Method Marks, and the privacy, protection, collection, use, storage, and disclosure of data. Stripe may amend these Agentic Commerce Agent Terms, or introduce additional terms applicable to User, to reflect requirements imposed on Stripe or User by an Agentic Payment Method Provider. Stripe will provide User with reasonable prior written notice of any amendment under this Section, except where the Agentic Payment Method Provider requires immediate implementation, in which case Stripe will notify User as soon as reasonably practicable.
Where User’s use of the Agentic Commerce Agent Services requires a waiver from an Agentic Payment Method Provider from any applicable Payment Method Requirements, User must obtain that waiver, ensure that it remains effective during the Term, and provide evidence of it to Stripe upon request.
An Agentic Payment Method Provider may enforce the terms of these Agentic Commerce Agent Terms directly against User with respect to that Agentic Payment Method Provider's Agentic Payment Method(s).
“Payment Method Requirements” means: (a) the publicly available guidelines, bylaws, rules, and regulations an Agentic Payment Method Provider imposes that describe how an Agentic Payment Method may be accepted and used; and (b) terms that apply to the acceptance and use of an Agentic Payment Method, located on or accessible from the Stripe Website, including on the Stripe Legal Page
"Agentic Payment Method Provider" means the provider of an Agentic Payment Method (e.g., Visa Inc.).
Qualifications & exceptions
Stripe's amendment right is limited to reflecting Agentic Payment Method Provider requirements.
Prior notice of amendments can be skipped where the Provider requires immediate implementation.
Not stated here
The Payment Method Requirements are external documents, not supplied.
Legal Rights & Agreement Rules · Procedure
Your customer agreement must explain the agent’s Authority and say the seller, not Stripe, owns fulfillment and claims
The User must have a User Agreement (its agreements with each Agentic Customer) governing Agentic Transactions. It must explain the User's Authority and include at least these acknowledgements: the User may display Agentic Catalog Data on its Agentic Interface where applicable; Agentic Transactions are subject to the Agentic Seller's terms and Privacy Policy; the User may share payment details and transaction data with Agentic Sellers, Stripe and, as applicable, Stripe Connect Platforms and the sellers' other service providers to process transactions; the Agentic Seller is the seller of record; the seller is responsible for fulfillment and post-fulfillment duties such as shipping, returns, refunds and exchanges; and the seller alone answers for claims about its goods, which customers must raise with the seller, not Stripe. The User remains solely responsible for ensuring its User Agreement and interface disclosures accurately reflect every party's role and comply with these terms, Laws and the Payment Method Requirements.
Supporting quotations
User must have a User Agreement to govern Agentic Transactions. The User Agreement must explain User’s Authority and include, at a minimum, an acknowledgement that: (a) if applicable, User may display the Agentic Catalog Data on the Agentic Interface; (b) Agentic Transactions are subject to the Agentic Seller's terms and conditions and Privacy Policy; (c) User may share Agentic Payment Details and Agentic Transaction Data with other parties in order to process Agentic Transactions, including with Agentic Sellers, Stripe, and, as applicable, Stripe Connect Platforms and Agentic Sellers’ other service providers; (d) an Agentic Seller is the seller of record for all Agentic Transactions; (e) an Agentic Seller is responsible for all order fulfillment and post-fulfillment obligations, including shipping, processing returns, issuing refunds, and facilitating exchanges; and (f) an Agentic Seller is solely responsible for Agentic Customers' claims relating to Agentic Seller's goods and services, and Agentic Customers must raise claims, disputes or questions about the goods or services directly with the Agentic Seller (and not against Stripe).
User remains solely responsible for ensuring its User Agreement and Agentic Interface disclosures fully and accurately reflect the roles and responsibilities of all parties involved in an Agentic Transaction and comply with these Agentic Commerce Agent Terms, Laws, and Payment Method Requirements.
“User Agreement” means, as to each Agentic Customer, collectively, the agreements that User has with that Agentic Customer.
Qualifications & exceptions
The listed acknowledgements are a minimum; the User remains responsible for the overall accuracy of its disclosures.
Legal Rights & Agreement Rules · Restriction or exception
You answer for your interface, AI output and Authority, for disputes and refunds, and for agent purchases without intent
The User remains fully responsible for, and the Stripe Parties disclaim liability for, any claim by anyone, including Agentic Sellers and Agentic Customers, relating to the Agentic Interface, the User Systems (including any output or bias) or the User's Authority. Stripe is not responsible for Agentic Disputes, Agentic Refunds or other transaction-related Losses. The User must manage transaction fraud on Agentic Transactions on its interface, and, as between Stripe and the User, is responsible for an Unauthorized Agentic Transaction: one where the User failed to procure appropriate consents; one the customer did not authorize, that exceeded the User's Authority, or that was caused by bugs, hallucinations or misinterpretations; or one that the interface, User Systems or an AI agent generated without the customer manifesting, or the User receiving, an intent to purchase, whether through error, malfunction, unauthorized action or the agent acting beyond its authority.
Supporting quotations
8. Liability for Use of Agentic Commerce Agent Services.
User remains fully responsible for, and Stripe Parties disclaim all liability with respect to any claim made by any person or entity, including Agentic Sellers and Agentic Customers relating to the Agentic Interface, User Systems (including any output or bias) or User’s Authority.
Stripe is not responsible for, and Stripe Parties disclaim all liability with respect to, Agentic Disputes, Agentic Refunds, or other Agentic Transaction-related Losses.
User will manage transaction fraud on Agentic Transactions on the Agentic Interface. As between Stripe and User, User is responsible for unauthorized Agentic Transactions, if: (a) User fails to procure appropriate consents from the relevant Agentic Customer in accordance with these Agentic Commerce Agent Terms; (b) the Agentic Transaction was not authorized by the Agentic Customer, exceeded User’s Authority, or was caused by bugs, hallucinations or misinterpretations; or (c) the Agentic Interface, User Systems, or any AI agent operating within or on behalf of the Agentic Interface or User Systems, generates or initiates a transaction without an Agentic Customer manifesting, or User receiving, the Agentic Customer's intent to purchase whether due to error, malfunction, unauthorized action, or the agent acting without requisite authority or outside the scope of its permitted authority (each an "Unauthorized Agentic Transaction”).
Qualifications & exceptions
Responsibility for AI 'output or bias', 'hallucinations' and agents acting beyond authority sits with the User.
The allocation is 'as between Stripe and User'; it does not itself settle positions with customers or sellers.
Legal Rights & Agreement Rules · Restriction or exception
Defend and indemnify the Stripe Parties for unauthorized agent transactions and alleged hacking or terms breaches
The User must defend the Stripe Parties against any Claim, and indemnify them against all Losses, arising out of or relating to an Unauthorized Agentic Transaction, or to any allegation that the User had unauthorized access to a third party's computer system or violated a third party's terms of service.
Supporting quotations
User will defend the Stripe Parties against any Claim and indemnify the Stripe Parties against all Losses arising out of or relating to: (a) an Unauthorized Agentic Transaction; or (b) any allegation that User had unauthorized access to a third party's computer system or violated any third party's terms of service.
Qualifications & exceptions
The indemnity is triggered by an allegation of unauthorized access or terms-of-service violation, not only a finding.
Not stated here
Claim and Losses are capitalized terms defined in the General Terms, not supplied.
Section 9 defines the terms of the Agentic Commerce Agent Terms. 'Authority' is the express scope of permission an Agentic Customer gives an AI agent, including spending limits, merchant restrictions and time bounds. 'Agentic Catalog Data' is information about a seller's goods such as descriptions, pricing, images and availability. The 'Agentic Commerce Agent Services' are the APIs and infrastructure enabling the Agentic Interface. An 'Agentic Customer' is a person or entity, acting itself or through an AI agent, who gives Authority or asks to buy through an Agentic Interface. 'Agentic Customer Information' includes payment details, shipping and billing names, emails, phone numbers and addresses, and any limits the customer placed on the User's Authority. An 'Agentic Dispute' is a customer-initiated reversal of a processed Agentic Transaction, including chargebacks. The 'Agentic Interface' is the User's own agentic interface through which customers transact. Further definitions follow in the next packet.
Supporting quotations
9. Definitions.
“Authority” means the express scope of authority an Agentic Customer grants to any AI agent operating within the Agentic Interface to initiate Agentic Transactions on Agentic Customer's behalf including any applicable spending limits, merchant restrictions, or time-bound parameters.
"Agentic Catalog Data" means information about an Agentic Seller’s goods or services, including but not limited to descriptions, disclaimers, links to terms or policies, product variants, images, pricing, availability and any additional data used to facilitate a sale to Agentic Customers.
"Agentic Commerce Agent Services" means the Services, including the provision of APIs and related infrastructure, that enable the Agentic Interface, as described in the Documentation.
"Agentic Customer" means an entity or individual, whether acting for itself or through an AI agent, who provides Authority or initiates a request to purchase goods or services via an Agentic Interface.
"Agentic Customer Information" means any information related to an Agentic Customer, including Agentic Payment Account Details, shipping information (name, email address, phone number, and address of the recipient), billing information (name, email address, phone number, and address of the Agentic Customer), and any information related to any restrictions, conditions, or limitations the Agentic Customer has placed on User’s Authority to act on behalf of the Agentic Customer.
"Agentic Disputes" means an instruction an Agentic Customer initiates to reverse or invalidate a processed Agentic Transaction (including "chargebacks" and "disputes" as those terms may be used by Agentic Payment Method Providers).
"Agentic Interface" means User's agentic interface that enables Agentic Customers to make an Agentic Transaction.
Qualifications & exceptions
Agentic Customer Information expressly includes shipping and billing contact details and the limits placed on the agent's Authority.
Legal Rights & Agreement Rules · Context
Agent terms definitions: payment details, methods, providers, Refunds, Seller, Token, Transaction, PCI, User System
The remaining Section 9 definitions: 'Agentic Payment Account Details' are the customer's payment method details the PCI Standards protect (name, card number, expiration date, security code). An 'Agentic Payment Method' is any payment method offered at the point of purchase in the Agentic Interface, and its 'Agentic Payment Method Provider' is its provider, such as Visa. 'Agentic Refunds' are seller-initiated full or partial returns of funds. An 'Agentic Seller' is a third-party seller offering goods to Agentic Customers. An 'Agentic Token' is a payment credential a Provider issues for a seller to initiate transactions via the User, plus related data such as cryptograms. An 'Agentic Transaction' is a customer-initiated purchase from an Agentic Seller. 'Payment Method Requirements' are the Provider's public rules plus the Stripe Website's Payment Method Terms. 'PCI-DSS' and 'PCI Standards' are the card industry security standards including PCI-SSF and successors. 'Stripe Elements' are Stripe's pre-built payment UI components. The 'User Agreement' is the User's agreements with each customer. A 'User System' is any User software, hardware, AI model, tool, technology or algorithm the User uses or makes available for these activities. A 'Back to Top' link closes the section.
Supporting quotations
"Agentic Payment Account Details" means the Agentic Payment Method account details for an Agentic Customer that PCI Standards require to be protected
"Agentic Payment Method" means any payment method available to Agentic Customers at the point of purchase in the Agentic Interface.
"Agentic Payment Method Provider" means the provider of an Agentic Payment Method (e.g., Visa Inc.).
"Agentic Refunds" means an instruction an Agentic Seller initiates to provide a full or partial return of funds to an Agentic Customer for a processed Agentic Transaction.
"Agentic Seller" means a third party seller of goods or services that has made its goods or services available for purchase by Agentic Customers.
"Agentic Token" means a payment credential issued by an Agentic Payment Method Provider corresponding to an Agentic Payment Method, specifically for use by an Agentic Seller to initiate Agentic Transactions via User, and any other data related to that payment credential (e.g., cryptograms).
"Agentic Transaction" means a transaction between an Agentic Customer and an Agentic Seller that is initiated by an Agentic Customer for the purchase of goods or services offered by an Agentic Seller.
“Payment Method Requirements” means: (a) the publicly available guidelines, bylaws, rules, and regulations an Agentic Payment Method Provider imposes that describe how an Agentic Payment Method may be accepted and used
"PCI-DSS" means the Payment Card Industry Data Security Standards.
"PCI Standards" means PCI-DSS and Payment Card Industry Software Security Framework (PCI-SSF), including successor standards (if any).
“Stripe Elements” means Stripe's pre-built UI components for creating payment flows.
“User Agreement” means, as to each Agentic Customer, collectively, the agreements that User has with that Agentic Customer.
“User System” means any User software, hardware, system, artificial intelligence model, tool, technology or algorithm (a) used by User, or (b) made available by User in connection with the activities contemplated under these Agentic Commerce Agent Service Terms.
Qualifications & exceptions
'User System' expressly includes the User's artificial intelligence models, which matters for the liability and no-training clauses.
Legal Rights & Agreement Rules · Context
The Agentic Commerce Seller Terms (Preview) govern selling to customers who buy through AI agents, on top of other terms
The Agentic Commerce Seller Terms, last modified September 28, 2026 and labeled Preview in the index, supplement the General Terms and the Stripe Financial Services Terms and, where applicable to the User and its Integration, the Stripe Payments Terms, Stripe Connect Terms, Stripe Radar Terms and Stripe Orchestrated Services Terms. They govern the Stripe Agentic Commerce Seller Services: the Services, including Shared Payment Tokens and other Stripe Technology, that let the User offer goods to AC Customers and enable checkout and payment processing for AC Transactions. Undefined capitalized terms take their meaning from the Agreement.
Supporting quotations
Stripe Agentic Commerce Seller Services (Preview)
Last modified: September 28, 2026
1. Stripe Agentic Commerce Seller Services.
These terms (“Agentic Commerce Seller Terms”) supplement the General Terms, the Stripe Financial Services Terms, and if applicable to User and its Integration, the Stripe Payments Terms, the Stripe Connect Terms, the Stripe Radar Terms, and the Stripe Orchestrated Services Terms, and govern User’s use of Stripe Agentic Commerce Seller Services.
“Stripe Agentic Commerce Seller Services” means the Services, including Shared Payment Tokens and other Stripe Technology, as described in the Documentation, that enable User to offer goods or services to AC Customers and enable checkout and payment processing for AC Transactions.
Qualifications & exceptions
Which of the Payments, Connect, Radar and Orchestrated Services Terms also apply depends on the User's Integration.
Not stated here
What Preview status entails for this Service is not stated in these terms.
Legal Rights & Agreement Rules · Restriction or exception
Using the Service to accept a payment method accepts its Rules and Terms as Financial Provider Terms; you obtain waivers
Using the Stripe Agentic Commerce Seller Services to accept, or enable acceptance of, a Payment Method counts as the User's acceptance of the applicable Payment Method Rules and Payment Method Terms, which are Financial Provider Terms under the Agreement. Where the User's use of the Seller Services or Orchestrated Services requires a Payment Method Provider's waiver from any requirement, the User must obtain the waiver, keep it effective and give Stripe evidence of it on request.
Supporting quotations
Using Stripe Agentic Commerce Seller Services in connection with accepting or enabling the acceptance of a Payment Method constitutes User’s acceptance of the applicable Payment Method Rules and Payment Method Terms. Where User’s use of Agentic Commerce Seller Services or Orchestrated Services requires a Payment Method Provider’s waiver from any applicable requirements, User must obtain that waiver, ensure it remains effective, and provide evidence of it to Stripe upon request. Payment Method Rules and Payment Method Terms are Financial Provider Terms for purposes of this Agreement.
Qualifications & exceptions
As Financial Provider Terms, the Rules and Terms prevail over the Agreement where inconsistent (Financial Services Terms Section 2.4).
Not stated here
The Payment Method Rules and Terms are external, not supplied.
Legal Rights & Agreement Rules · Procedure
If the agent platform shows disclosures for you, review its mock-ups of disclosures and checkout flows when offered
If the AC Interface Provider presents disclosures to AC Customers on the User's behalf, the User is responsible for reviewing the Provider's proposed disclosure mock-ups, to obtain the necessary consents from AC Customers, and any proposed checkout flow mock-ups, to the extent the Provider makes them available for review. Further allocation of responsibility for terms of service, privacy policies and disclosures follows in the next clause.
Supporting quotations
3.8 Terms of Service, Disclosures, and Consents.
If AC Interface Provider presents disclosures to AC Customers on behalf of User, User is responsible for reviewing mock ups of an AC Interface Provider’s proposed disclosures to obtain necessary consents from AC Customers and any mock ups of proposed checkout flows, to the extent mock ups are made available to User for review by the AC Interface Provider.
Qualifications & exceptions
The review duty applies only to the extent the AC Interface Provider makes mock-ups available.
Legal Rights & Agreement Rules · Restriction or exception
You or the agent platform, not Stripe, present your terms and privacy policy; Stripe relies on the platform for consents
Depending on the Integration, the User or the AC Interface Provider, and not Stripe, is responsible either for including the User's terms of service, privacy policy and disclosures in the Catalog Data, or for ensuring AC Customers are shown and accept any required terms, privacy policy and disclosures with an AC Transaction. Stripe is not responsible for obtaining, and relies on AC Interface Providers to obtain, all consents from AC Customers needed for Stripe to provide the Seller Services and facilitate AC Transactions.
Supporting quotations
User or AC Interface Provider (depending on the Integration), and not Stripe, is responsible for either (i) ensuring User’s terms of service, privacy policy and disclosures are included as part of the Catalog Data, or (ii) ensuring that AC Customers are presented with and accept any required terms of service, privacy policy and disclosures in connection with an AC Transaction
Stripe is not responsible for obtaining, and relies on AC Interface Providers to obtain, all necessary consents from AC Customers to enable Stripe to provide the Stripe Agentic Commerce Seller Services and facilitate AC Transactions.
Qualifications & exceptions
Which of the User or the AC Interface Provider carries the duty depends on the Integration.
Stripe disclaims responsibility for customer consents and relies on the AC Interface Provider.
Legal Rights & Agreement Rules · Restriction or exception
The agent platform decides whether to list, surface or transact with you, may reject your catalog; its terms bind you
The User acknowledges that the AC Interface Provider may, at its discretion, choose whether to enable transactions between AC Customers and the User or its Participating Sellers, decline to feature or allow them to sell on its AC Interface, choose not to find, surface or recommend their goods, and reject the User's Catalog Data in whole or part if it violates the Provider's policies. Completion of an AC Transaction depends on the AC Interface enabling it, and the Provider controls the discoverability of the User's and sellers' goods. By electing to enable AC Transactions, the User agrees to the applicable AC Interface Provider's terms of service, provided either by Stripe or by the Provider.
Supporting quotations
7. AC Interface Provider Rights.
User acknowledges that AC Interface Provider may, at its discretion, (a) choose whether to enable transactions between AC Customers and User or Participating Sellers (if applicable), (b) decline to feature or allow User or Participating Seller (if applicable) to sell on its AC Interface, (c) not find, surface, or recommend User’s and Participating Sellers’ (if applicable) goods or services, and (d) reject User’s Catalog Data, in whole or in part, if it violates AC Interface Provider’s policies.
When User elects to enable AC Transactions, User agrees to the applicable AC Interface Provider terms of service, which are made available to User either by Stripe or by AC Interface Provider.
Qualifications & exceptions
All listing, surfacing and transaction-enablement decisions sit with the AC Interface Provider.
Enabling AC Transactions is acceptance of the AC Interface Provider's terms of service, which are not supplied here.
Not stated here
The AC Interface Providers' terms of service are external and not supplied.
Legal Rights & Agreement Rules · Restriction or exception
You remain liable for product, injury and consumer claims on agent sales and for catalog data accuracy; Stripe disclaims
The User remains fully responsible for, and the Stripe Parties disclaim all liability for, any claim related to the goods or services sold in an AC Transaction, including product warranty, product liability, product defect, property damage, personal injury and consumer protection claims, and any claim about the accuracy, quality, currentness or completeness of the Catalog Data or other order-related data such as tax information.
Supporting quotations
9. Stripe Disclaimers.
User remains fully responsible for, and Stripe Parties disclaim all liability with respect to (a) any claim, including product warranty, product liability, product defect, property damage, personal injury, or consumer protection claims, related to the goods or services sold as part of an AC Transaction; (b) any claim related to the accuracy, quality, currentness, or completeness of the Catalog Data or other order-related data (e.g. tax information) for AC Transactions.
Qualifications & exceptions
Unlike the agent-side disclaimer, no exception is stated for defects Stripe itself causes.
As written here, the catalog-data disclaimer states no exception for defects Stripe itself causes; the agent-side Agentic Catalog Data disclaimer does.
Legal Rights & Agreement Rules · Restriction or exception
For the Seller Services these terms beat the Payments, Financial Services, Orchestrated and Connect Terms; Radar wins
If these Agentic Commerce Seller Terms conflict with the Stripe Payments Terms, Stripe Financial Services Terms, Stripe Orchestrated Services Terms or Stripe Connect Terms, to the extent those apply to the User and its Integration, these terms prevail for the Seller Services. If they conflict with the Stripe Radar Terms, the Radar Terms prevail.
Supporting quotations
10. Conflicts.
In the event of a conflict between these Agentic Commerce Seller Terms and the Stripe Payments Terms, Stripe Financial Services Terms, Stripe Orchestrated Services Terms, or Stripe Connect Terms, to the extent such terms apply to User and its Integration, the provisions of these Agentic Commerce Seller Terms will prevail for the Stripe Agentic Commerce Seller Services. In the event of a conflict between these Agentic Commerce Seller Terms and the Stripe Radar Terms, the provisions of the Stripe Radar Terms will prevail.
Qualifications & exceptions
Precedence over the four named sets of terms is limited to the Seller Services.
The Stripe Radar Terms override these terms on conflict.
Section 11 defines the Seller Terms' vocabulary. An 'AC Customer' is a person or entity, acting itself or through an AI agent, who asks to buy from the User or a Participating Seller via an AC Interface, and is a Customer under the Agreement and a Data Subject under the Data Processing Agreement. An 'AC Interface' is an agentic interface through which end users ask to buy from third-party sellers; its 'AC Interface Provider' is the entity running it. An 'AC Transaction' is a customer-initiated purchase from the User or a Participating Seller. 'Catalog Data' is information about goods such as descriptions, pricing, images and availability. 'Indirect Taxes' are sales, VAT, GST and similar transaction taxes. An 'Integration' is the User's specific configuration and implementation of the Seller Services. A 'Participating Seller' is a merchant selling through the User's platform, or a Connected Account the User designates. A 'Shared Payment Token' is a limited payment-method reference the AC Interface Provider creates and shares. The 'Stripe Agentic Commerce Seller Services' are the Services, including Shared Payment Tokens, that let the User sell to AC Customers with checkout and payment processing. A 'Back to Top' link closes the section.
Supporting quotations
11. Definitions.
“AC Customer” means an individual or entity, whether acting for itself or through an AI agent, who initiates a request to purchase goods or services from User or a Participating Seller (if applicable) via an AC Interface enabled by Stripe Agentic Commerce Seller Services.
“AC Interface” means an agentic interface that enables end users to initiate a request to purchase goods or services from third party sellers.
“AC Interface Provider” means the entity providing the AC Interface.
“AC Transaction” means a transaction between an AC Customer and User or Participating Seller (if applicable), that is initiated by an AC Customer for the purchase of goods or services offered by the User or Participating Seller.
“Catalog Data" means information about a User’s or Participating Seller’s (if applicable) goods or services
“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.
“Integration” means the specific configuration, selection, and technical implementation of the Stripe Agentic Commerce Seller Services deployed by User, as described in the applicable Documentation.
“Participating Seller” means either (a) a merchant offering its goods and services to end customers through User’s platform and User is using Stripe Agentic Commerce Seller Services; or (b) a Connected Account designated by User, that is enabled to offer its goods or services to end customers using Stripe Agentic Commerce Seller Services.
“Shared Payment Token” means a limited reference to a payment method that is created by an AC Interface Provider and shared with User or Participating Sellers to facilitate AC Transactions.
“Stripe Agentic Commerce Seller Services” means the Services, including Shared Payment Tokens and other Stripe Technology, as described in the Documentation, that enable User to offer goods or services to AC Customers and enable checkout and payment processing for AC Transactions.
Legal Rights & Agreement Rules · Context
The Atlas Terms govern Services for forming a business entity and accessing tools and third-party services
The Stripe Atlas Terms, last modified September 28, 2026, supplement the General Terms and govern the Stripe Atlas Services: the Services that let the User form a business entity and access tools, information, documentation and third-party services to establish, operate and fundraise for that entity. Undefined capitalized terms take their meaning from the General Terms, which are not supplied.
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Stripe Atlas Services
Last modified: September 28, 2026
1. Stripe Atlas Services.
These terms (“Stripe Atlas Terms”) supplement the General Terms and govern User’s use of the Stripe Atlas Services. Capitalized terms that are not defined in these Stripe Atlas Terms have the same meanings given to them in the General Terms.
“Stripe Atlas Services” means the Services that enable User to form a business entity and access tools, information, documentation, and third-party services to establish, operate, and Fundraise for that entity.
Qualifications & exceptions
Unlike most Service Terms, Atlas does not incorporate the Financial Services Terms.
Legal Rights & Agreement Rules · Permission or license
Using Atlas is consent to do business electronically and to let Stripe apply your e-signature to its documents
By using the Stripe Atlas Services, the User consents to doing business electronically. Because the Services involve processing various legal documents, the User acknowledges it will be legally bound by them and authorizes Stripe to automatically apply the User's electronic signature to all documents necessary to provide the Services.
Supporting quotations
3.1 Doing Business Electronically.
By using the Stripe Atlas Services, User consents to doing business electronically.
3.2 Electronic Signature.
The Stripe Atlas Services include processing various legal documents for User. User acknowledges that it will be legally bound by these documents and authorizes Stripe to automatically apply User’s signature(s) electronically to all documents necessary to provide the Stripe Atlas Services.
Qualifications & exceptions
The signature authorization covers all documents necessary to provide the Atlas Services and is automatic.
Not stated here
Which documents are 'necessary' is not listed.
Legal Rights & Agreement Rules · Restriction or exception
If an AI Agent uses Atlas for you, you are solely responsible and its actions bind you as an electronic agent under UETA
If the User uses an AI Agent to access the Atlas Services, it is solely responsible for every action initiated by or through the agent. The User acknowledges that an AI Agent is an 'electronic agent' or equivalent under the Uniform Electronic Transactions Act and similar statutes, and that actions the agent initiates or completes are legally binding on the User. An AI Agent is any automated technology, including chains of systems the User may not control or see, that is capable of or used for acting independently or semi-independently.
Supporting quotations
3.5 AI Agent.
If User uses an AI Agent to access the Stripe Atlas Services, User is solely responsible for each action initiated by or through the AI Agent. User acknowledges that: (a) an AI Agent constitutes an "electronic agent" or equivalent concept as defined or recognized under the Uniform Electronic Transactions Act (UETA) and similar statutes; and (b) actions initiated or completed by an AI Agent are legally binding on User.
“AI Agent” means any software, computer or other automated technology, including any such technology that operates through, in conjunction with, or by invoking other automated systems, platforms, APIs or agents, whether or not User has direct control over or visibility into each intermediate system in the chain
Qualifications & exceptions
Covers agents operating through intermediate systems the User does not directly control or see.
UETA is cited by name; its text is not supplied.
Legal Rights & Agreement Rules · Restriction or exception
If you fundraise through Atlas, you alone handle securities compliance, investor eligibility and tax treatment
If the User uses the Atlas Services for a Fundraising (offering securities for sale, including preparing, executing, administering or receiving funds under a financing instrument), it must comply with all Laws relating to the Fundraising and ensure the information and materials it gives investors through the Services are accurate, complete and not misleading. The User is solely responsible for determining whether and on what basis a Fundraising may be made, including registration exemptions, investor eligibility or verification, required disclosures, notices, filings and recordkeeping; for ensuring each purchaser meets the eligibility requirements relied on, including confirming 'accredited investor' status under Regulation D of the Securities Act of 1933 where required; and for the tax characterization, reporting, filing, withholding and payment obligations arising from any Fundraising.
Supporting quotations
4 Fundraising.
4.1 Compliance.
If User uses the Stripe Atlas Services for a Fundraising, User must: (a) comply with all Laws relating to a Fundraising; and (b) ensure that information and materials it provides to investors through the Stripe Atlas Services are accurate, complete, and not misleading.
4.2 User Responsibilities.
User is solely responsible for:
determining whether, and on what basis, a Fundraising may be made, including the availability and satisfaction of any registration exemption, investor eligibility or verification requirements, required disclosures, notices, filings, and recordkeeping obligations.
ensuring that each purchaser satisfies the eligibility requirements on which User relies for its Fundraising, including, if required, confirming that a purchaser is an “accredited investor” (within the meaning of Regulation D under the Securities Act of 1933).
the tax characterization, reporting, filing, withholding, and payment obligations of User that arise from any Fundraising.
“Fundraising” means the offering for sale of securities, including preparing, executing, administering, or receiving funds in connection with any financing instrument.
Qualifications & exceptions
Applies when the User uses the Atlas Services for a Fundraising.
Regulation D and the Securities Act of 1933 are cited by name; their text is not supplied.
Legal Rights & Agreement Rules · Context
Stripe, Providers and Legal Partners give no legal, accounting or tax advice and create no privilege
The User acknowledges that Stripe is not a law firm, accounting firm, financial advisor or tax advisor, and that Stripe, Providers and Legal Partners give no legal, accounting, financial or tax advice in connection with the Atlas Services. Using the Services creates no attorney-client or other special relationship, and communications are not covered by work-product or attorney-client privilege. The User alone is responsible for all corporate, tax, securities and other legal reporting, payment and compliance for its personal and business activities, and all information, forms and materials provided through the Services are for informational and educational purposes only.
Supporting quotations
6. Acknowledgments, Disclaimer and Liability.
6.1 Acknowledgments.
User acknowledges and agrees that:
Stripe is not a law firm, an accounting firm, financial advisor or tax advisor. Stripe, Providers and Legal Partners do not provide legal, accounting, financial or tax advice of any kind whatsoever in connection with the Stripe Atlas Services.
Use of the Stripe Atlas Services and any information provided does not create an attorney-client relationship or any other special relationship and communications will not be subject to any work-product or attorney-client privilege.
User alone is responsible for all corporate, tax, securities and other legal reporting, payment and compliance aspects of its personal and business activities.
All information, forms, and materials provided through the Stripe Atlas Services are provided to User for informational and educational purposes only, and do not constitute legal, accounting, financial or tax advice.
Qualifications & exceptions
'Legal Partners' is a capitalized term used here without a definition in this packet.
Legal Rights & Agreement Rules · Restriction or exception
You, not Stripe, bear losses from late or misfiled filings, from not hiring a lawyer, and from bad information
The User remains fully liable, and Stripe is not liable, for any losses, damages, costs, fines, fees or penalties the User or anyone else suffers because a filing is delayed, misfiled or filed late, because the User retained or failed to consult or retain an attorney or other professional on any contract, document or legal matter, or because of inaccuracies in the information the User gave Stripe.
Supporting quotations
6.2. Disclaimer
User remains fully liable for, and Stripe is not liable for, any losses, damages, costs, fines, fees or penalties that User or any other person may suffer as a result of: (a) a filing being delayed, misfiled, or late filed; (b) User’s retention of, or its failure to consult or retain, an attorney or other professional with respect to any contract, document or legal matter; or (c) any inaccuracies in the information User provides to Stripe.
Qualifications & exceptions
Covers losses to third parties as well as the User ('or any other person').
The filing-delay exclusion is not conditioned on who caused the delay.
Legal Rights & Agreement Rules · Restriction or exception
Under Atlas, 'User' means each Founder and the Company, all jointly liable, and 'Stripe' means Stripe GEP, Inc.
For the Stripe Atlas Terms, references to the User include each Founder (the Company's directors, officers and initial equity holders) and the Company (the entity formed through Atlas), and references to Stripe mean Stripe GEP, Inc. Each Founder and the Company remain jointly and severally liable for all acts and omissions of each of them and for all losses, damages and costs arising out of or related to use of the Atlas Services.
Supporting quotations
For the purposes of these Stripe Atlas Terms: (i) references to User include each Founder and the Company; and (ii) references to Stripe mean Stripe GEP, Inc.
Each Founder and the Company remain jointly and severally liable for all: (i) acts and omissions of each of them; and (ii) losses, damages and costs, in each case arising out of or related to use of the Stripe Atlas Services.
“Company” means the entity formed using the Stripe Atlas Services.
“Founder” means each of the Company’s directors, officers and initial equity holders.
Qualifications & exceptions
Joint and several liability means Stripe may pursue any Founder or the Company for the whole amount.
The contracting Stripe entity for Atlas is Stripe GEP, Inc., not the entity named in the General Terms.
Section 7 defines the Atlas vocabulary. An 'AI Agent' is any automated technology, including chains of systems the User may not control or see, capable of or used for acting independently or semi-independently as the User's delegate, proxy, intermediary or agent in transactions. The 'Company' is the entity formed through Atlas; a 'Founder' is each of its directors, officers and initial equity holders. 'Fundraising' is offering securities for sale, including handling funds under a financing instrument. 'Legal Partners' are the legal or accounting firms partnering with Stripe to provide legal and educational information, templates and documents, including Cooley LLP. The 'LegalZoom Provider Terms' are the terms at legalinc.com governing that Provider's services. A 'Provider' is a third party serving the User in connection with Atlas. A 'Registered Agent' is the person or entity appointed as registered agent for the Company. The 'Stripe Atlas Services' let the User form an entity and access tools, documentation and third-party services to establish, operate and fundraise for it. A 'Back to Top' link closes the section.
Supporting quotations
7. Definitions.
that is capable of, designed for, or employed for the purpose of independently or semi-independently acting as User’s delegate, proxy, intermediary, or agent in any transactional activity, whether in a single transaction or across multiple ongoing transactions.
“Company” means the entity formed using the Stripe Atlas Services.
“Founder” means each of the Company’s directors, officers and initial equity holders.
“Fundraising” means the offering for sale of securities, including preparing, executing, administering, or receiving funds in connection with any financing instrument.
“Legal Partner" means the legal or accounting firms that partner with Stripe to provide legal and educational information, templates, documents and agreements, including Cooley LLP.
that govern Provider’s provision, and User's access to and use of Provider’s services.
“Provider” means a third party that provides services to User in connection with the Stripe Atlas Services.
“Registered Agent” means a person or entity appointed to act as a registered agent on behalf of the Company.
“Stripe Atlas Services” means the Services that enable User to form a business entity and access tools, information, documentation, and third-party services to establish, operate, and Fundraise for that entity.
Legal Rights & Agreement Rules · Context
The Billing Terms govern billing, revenue collection and subscriptions, including the Metronome usage-based services
The Stripe Billing Terms, last modified June 17, 2026, supplement the General Terms and govern the Stripe Billing Services: the Services for billing Customers, collecting revenue and managing subscriptions, including the Metronome-branded Stripe Metronome Services for metering usage events, configuring usage-based and flexible pricing, and managing usage-based contracts and commitments. Undefined capitalized terms take their meaning from the General Terms, not supplied.
Supporting quotations
Stripe Billing
Last modified: June 17, 2026
1. Stripe Billing Services.
These terms (“Stripe Billing Terms”) supplement the General Terms and govern the use of the Stripe Billing Services. Capitalized terms that are not defined in these Stripe Billing Terms have the same meanings given to them in the General Terms.
“Stripe Billing Services” means the Services that enable User to bill Customers for products and services, collect revenue, and manage subscriptions, including the Stripe Metronome Services.
“Stripe Metronome Services” means the Services that are Metronome-branded, including the Services that enable User to meter usage events, configure usage-based and flexible pricing models, and manage contracts and commitments for Customers based on usage or other consumption metrics.
Qualifications & exceptions
The Financial Services Terms are not incorporated into these terms.
Legal Rights & Agreement Rules · Restriction or exception
You indemnify Stripe and its people for Losses from your material breach of an LLM Provider’s terms, within limits
Subject to the Limitations on Indemnity in the General Terms, the User will indemnify Stripe, its Affiliates and their directors, employees and agents for all Losses arising from the User's material breach of an LLM Provider's terms of service and policies.
Supporting quotations
5. Indemnification.
Subject to the Limitations on Indemnity in the General Terms, User will indemnify Stripe, its Affiliates, and their directors, employees, and agents for all Losses arising from User’s material breach of an LLM Provider’s terms of service and policies.
Qualifications & exceptions
Triggered by a material breach, not any breach.
Subject to the General Terms' Limitations on Indemnity, which are not supplied.
Section 6 defines the Billing vocabulary. A 'Connected Account' is a Platform User onboarded to a Stripe Connect Platform or a Payout Recipient. 'LLM' is a large language model; 'LLM Data' is data the User directs Stripe to send to or receive from an LLM Provider; 'LLM Fees' are the provider's charges to Stripe at query and response time; an 'LLM Provider' is the third-party LLM provider the User selects and enables; 'LLM Services' are the LLM and related services accessed via Billing. The 'Stripe Billing Services' cover billing, revenue collection and subscription management including the 'Stripe Metronome Services', the Metronome-branded usage-metering and usage-based pricing and contract services. A 'Back to Top' link closes the section.
Supporting quotations
6. Definitions.
“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.
“LLM” means large language model.
“LLM Data” means any data User directs Stripe to send to or receive from an LLM Provider in connection with User’s use of the Stripe Billing 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.
“Stripe Billing Services” means the Services that enable User to bill Customers for products and services, collect revenue, and manage subscriptions, including the Stripe Metronome Services.
“Stripe Metronome Services” means the Services that are Metronome-branded, including the Services that enable User to meter usage events, configure usage-based and flexible pricing models, and manage contracts and commitments for Customers based on usage or other consumption metrics.
Legal Rights & Agreement Rules · Context
The Capital for Platforms Terms govern a platform’s role in marketing Stripe Capital Financing to its Connected Accounts
The Stripe Capital for Platforms Terms, last modified September 28, 2026, supplement the General Terms and incorporate the Stripe Financial Services Terms and Stripe Connect Infrastructure Terms by reference. They govern the Stripe Capital for Platforms Services: the Services Stripe provides to support joint efforts to market Stripe Capital Financing (a Stripe Capital Loan, Stripe Capital Advance or other commercial financing) to the User's Platform Users, Connected Accounts and Prospects, enabling Connected Accounts to obtain financing alongside the User's Platform Services. Undefined terms take their meaning from the General Terms, Financial Services Terms or Connect Infrastructure Terms.
Supporting quotations
Stripe Capital for Platforms
Last modified: September 28, 2026
1. Stripe Capital for Platforms.
These terms (“Stripe Capital for Platforms Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms and Stripe Connect Infrastructure Terms each of which are incorporated into these Stripe Capital for Platforms Terms by this reference, govern the use of the Stripe Capital for Platforms Services.
The Stripe Capital for Platforms Services enable User’s Connected Accounts to obtain Stripe Capital Financing in conjunction with User’s Platform Services.
“Stripe Capital for Platforms Services” means the Services that Stripe provides to User in support of efforts between User and Stripe to market Stripe Capital Financing to Platform Users, Connected Accounts, and Prospects.
“Stripe Capital Financing” means a Stripe Capital Loan or Stripe Capital Advance, as applicable, or other form of commercial financing.
Qualifications & exceptions
These terms address the platform's marketing role; the financing itself is provided by a Capital Provider under separate Financing Terms.
Legal Rights & Agreement Rules · Context
Stripe itself is a Capital Provider only for Stripe Capital Advances and only in certain Approved Territories
The User acknowledges that Stripe is a Capital Provider, an entity that underwrites and provides Stripe Capital Financing, only in certain Approved Territories where it offers Stripe Capital Advances, and only with respect to those advances. Elsewhere, and for loans, the Capital Provider is another entity.
Supporting quotations
2.2 Stripe as a Capital Provider.
User acknowledges that Stripe is a Capital Provider only in certain Approved Territories in which Stripe offers Stripe Capital Advances, and only with respect to Stripe Capital Advances.
“Capital Provider” means an entity that underwrites and provides Stripe Capital Financing, or any of their respective affiliates, assigns, agents, subcontractors, or representatives.
Qualifications & exceptions
Stripe's provider role is limited to Stripe Capital Advances in certain territories.
Not stated here
Which entities act as Capital Provider for Stripe Capital Loans is not stated here.
Legal Rights & Agreement Rules · Restriction or exception
You own your products; for Capital claims the liability cap uses 12 months of Capital Program Earnings instead of Fees
The User remains solely responsible for all products and services it provides to its Customers. For calculating each party's aggregate liability and indemnification obligations under the Agreement for claims arising from the Capital for Platforms Services, references to 'Fees' in the General Terms' limitation-of-liability provisions are read as Capital Program Earnings for the 12 months preceding the event giving rise to the claim.
Supporting quotations
7. Relationship of the Parties.
User remains solely responsible for all products and services User provides to User’s Customers.
8. Limitation of Liability.
For the purposes of calculating each party's aggregate liability and indemnification obligations under the Agreement with respect to any claim arising out of or relating to the Stripe Capital for Platforms Services, references to “Fees” in the limitation on liability provisions of the General Terms are deemed to refer to Capital Program Earnings for the 12-month period preceding the event giving rise to the claim.
Qualifications & exceptions
The substitution applies only to claims arising out of or relating to the Capital for Platforms Services.
'Capital Program Earnings' is a capitalized term whose definition is not in this packet.
Not stated here
The General Terms' limitation-of-liability provisions are not supplied, so the resulting cap cannot be computed here.
Legal Rights & Agreement Rules · Context
Capital for Platforms definitions: Application Flow, Approved Territory, Capital Provider, Card Network, CCPA, Complaint
Section 9 begins the definitions. The 'Application Flow' is the sequence of steps Prospects follow when applying. An 'Approved Territory' is a Stripe-approved jurisdiction where Connected Accounts may become Prospects. A 'Capital Provider' underwrites and provides Stripe Capital Financing. 'Card Network' and 'Card Network Rules' carry the usual Visa, Mastercard, American Express and Discover meaning. 'CCPA' is the California Consumer Privacy Act of 2018, cited as Cal. Civ. Code Sections 1798.100-1798.199, an external statute referenced by name only. A 'Complaint' is any expression of dissatisfaction with a product, service, policy or employee from a Platform User, Connected Account, Prospect or Financing Recipient about the Service or a financing, or a Governmental Authority's inquiry or request for examination about them. The definitions continue in the next packet.
Supporting quotations
9. Definitions.
“Application Flow” means the sequence of steps that Prospects must take when applying for Stripe Capital Financing.
“Approved Territory” means a Stripe-approved jurisdiction or region in which User’s Connected Accounts may be eligible to become Prospects.
“Capital Provider” means an entity that underwrites and provides Stripe Capital Financing, or any of their respective affiliates, assigns, agents, subcontractors, or representatives.
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
“CCPA” means California Consumer Privacy Act of 2018, Cal. Civ. Code Sections 1798.100-1798.199.
“Complaint” means any expression of dissatisfaction with a product, service, policy, or employee communicated by a Platform User, Connected Account, Prospect, or Financing Recipient related to the Stripe Capital for Platforms Services or a Stripe Capital Financing, or an inquiry or request for examination from a Governmental Authority in respect of the Stripe Capital for Platforms Services or a Stripe Capital Financing.
Qualifications & exceptions
The CCPA citation is to an external statute; its sections are not part of this document.
Legal Rights & Agreement Rules · Context
Capital for Platforms definitions: Connected Account, Data, Financing Recipient, Financing Terms, Platform User Data
The definitions continue. A 'Connected Account' is a Platform User onboarded to a Stripe Connect Platform or a Payout Recipient. 'Data' without a modifier means all Personal Data, Program Data and Platform User Data together. A 'Financing Recipient' is a Prospect who accepted an offer, was approved and agreed to 'Financing Terms', the loan or advance agreement among the Connected Account, Capital Provider and others. 'GDPR' is Regulation (EU) 2016/679. 'Marketing Materials' promote financing and offers. 'Platform Services' are what Platform Users receive from the platform, paid or not. A 'Platform User' is a user of the User's platform. 'Platform User Data' is a Platform User's other-processor payment volume, transaction data and offline cash and check transactions shared with Stripe. 'Pre-Approved Responses' are Stripe-approved communications. A 'Prequalified Offer' is an offer to apply for financing. 'Program Data' is application, eligibility, Servicer, Transaction, credential, record and compliance data Stripe uses or generates for the Service.
Supporting quotations
“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.
“Data” used without a modifier means all Personal Data, Program Data, and Platform User Data.
“Financing Recipient” means a Prospect who has accepted a Prequalified Offer, has been approved by a Capital Provider, and has agreed to Financing Terms.
“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.
“GDPR” means General Data Protection Regulation (EU) 2016/679.
“Marketing Materials” means the marketing materials developed for the purpose of promoting Stripe Capital Financing to select Platform Users and Connected Accounts, and Prequalified Offers to Prospects.
“Platform Services” means the products and services that Platform Users receive from a Stripe Connect Platform, regardless of whether fees are charged (e.g., web development, customer support or hosting services).
“Platform User” means, where User is acting as a Stripe Connect Platform, a user of User’s platform.
“Platform User Data” means a Platform User’s payment volume information from other payment processors, transaction data, and offline transactions that User shares with Stripe, including from cash and checks.
“Pre-Approved Responses” means the Stripe-approved communications used to respond to questions or reply to other communications.
“Prequalified Offer” means an offer to submit an application to receive Stripe Capital Financing.
“Program Data” means data associated with an application for Stripe Capital Financing, eligibility criteria, Servicers, Transactions, access credentials, records, regulatory compliance data, and any other information Stripe uses or generates to provide the Capital for Platforms Services to User.
Qualifications & exceptions
'Data' is the umbrella term for the three data categories the Section 4 restrictions and Stripe's use rights operate on.
Legal Rights & Agreement Rules · Context
Capital for Platforms definitions: Prospect, Servicer, Servicing, Stripe Capital Advance, Financing, Services and Loan
A 'Prospect' is a Platform User or Connected Account eligible for a Prequalified Offer. A 'Servicer' is an entity Stripe, a Capital Provider or a loan purchaser designates to manage a financing, including Stripe Servicing, Inc.; 'Servicing' is managing a financing after disbursement. A 'Stripe Capital Advance' is a merchant cash advance or receivables-purchase agreement from a Capital Provider. 'Stripe Capital Financing' is a Stripe Capital Loan, Stripe Capital Advance or other commercial financing. The 'Stripe Capital for Platforms Services' support joint marketing of financing to Platform Users, Connected Accounts and Prospects. A 'Stripe Capital Loan' is an installment loan, revolving or open-end credit or other business financing product, including a business-purpose loan originated by a Capital Provider. A 'Back to Top' link closes the section.
Supporting quotations
“Prospect” means a Platform User or Connected Account that is eligible for a Prequalified Offer.
“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.
“Stripe Capital Advance” means a merchant cash advance agreement or a purchase of receivables agreement provided by a Capital Provider to a Prospect.
“Stripe Capital Financing” means a Stripe Capital Loan or Stripe Capital Advance, as applicable, or other form of commercial financing.
“Stripe Capital for Platforms Services” means the Services that Stripe provides to User in support of efforts between User and Stripe to market Stripe Capital Financing to Platform Users, Connected Accounts, and Prospects.
“Stripe Capital Loan” means an installment loan, revolving or open-end credit, or other business financing product, including a business-purpose loan originated by a Capital Provider.
Legal Rights & Agreement Rules · Context
The Climate Terms cover two products from two entities: Stripe, LLC’s Climate Commitment and Frontier’s Climate Orders
The Stripe Climate Terms, last modified November 18, 2025, supplement the General Terms and govern Stripe Climate Commitment and Stripe Climate Orders. Stripe Climate Commitment, a suite of features for running the User's own corporate climate program, is provided by Stripe, LLC, and for that product every reference to 'Stripe' in these terms and the General Terms means Stripe, LLC. Stripe Climate Orders, meaning the Retirement Services, the Climate API and Dashboard section, Frontier Marketing Collateral and related services, are provided by Stripe's Affiliate Frontier Climate Operations, LLC, and for that product 'Stripe' in the General Terms means Frontier.
Supporting quotations
Stripe Climate
Last modified: November 18, 2025
1. Stripe Climate.
Stripe, LLC provides Stripe Climate Commitment, and for the purposes of Stripe Climate Commitment, each reference to “Stripe” in these Stripe Climate Terms and in the General Terms will be read as a reference to Stripe, LLC. Frontier Climate Operations, LLC (“Frontier”), Stripe’s Affiliate, provides Stripe Climate Orders, and for the purposes of Stripe Climate Orders, each reference to "Stripe" in the General Terms will be read as a reference to Frontier.
“Stripe Climate Commitment” means a suite of features Stripe provides that are designed to enable User to create and run User’s own corporate climate program.
“Stripe Climate Orders” means (a) the Retirement Services offered to User; (b) access to the Climate API and the Climate Orders portion of the Stripe Dashboard; (c) access to the Frontier Marketing Collateral
Qualifications & exceptions
The contracting entity differs by product: Stripe, LLC for Climate Commitment, Frontier for Climate Orders.
Legal Rights & Agreement Rules · Restriction or exception
Climate Commitment buys no certified carbon credits, nothing authorized under the Paris Agreement, maybe not deductible
The carbon removal services Stripe purchases with Climate Commitment Funds are not certified by any governmental or non-governmental body and are not 'authorized' under Article 6 of the Paris Agreement (cited by name; its text is not supplied). Stripe disclaims all warranties about their status under any program or standard, now or in future, about any current or future tax credit, benefit or treatment, and about any other financial benefit. The funds may not be eligible for a tax deduction; the User should consult its tax or legal advisor, and the funds exclude all Taxes except where the Documentation says otherwise.
Supporting quotations
The carbon removal services Stripe purchases are not certified by any governmental or non-governmental body. They are not “authorized” under Article 6 of the Paris Agreement. Stripe disclaims all warranties regarding (i) the status under applicable governmental or non-governmental programs or pursuant to standards set by governmental or non-governmental bodies, whether implemented now or in the future, (ii) the availability of any current or future tax credit, benefit, or treatment, or (iii) any other financial benefits, associated with the carbon removal services that Stripe purchases.
The Climate Commitment Funds may not be eligible for a tax deduction. User should consult with its tax or legal advisor on the local tax treatment of Climate Commitment Funds. Climate Commitment Funds exclude all Taxes, except as the Documentation states to the contrary.
“Paris Agreement” means the Paris Agreement to the United Nations Framework Convention on Climate Change, U.N. Doc. FCCC/CP/2015/L.9/Rev/1 (Dec. 12, 2015).
Qualifications & exceptions
Contributions are not carbon credits and carry no certification or tax-treatment warranty.
Taxes are excluded from the contribution amount unless the Documentation says otherwise.
Not stated here
Local tax treatment depends on the User's jurisdiction and is not stated.
Legal Rights & Agreement Rules · Restriction or exception
Purchased removal units are not Paris-authorized; Frontier warrants nothing about status, tax treatment or benefits
The CRUs are not 'authorized' under Article 6 of the Paris Agreement. Frontier disclaims all warranties about the CRUs' status under any governmental or non-governmental program or standard, now or in future, about any current or future tax credit, benefit or treatment, and about any other financial benefit associated with buying Retirement Services or the CRUs.
Supporting quotations
The CRUs are not “authorized” under Article 6 of the Paris Agreement. Frontier disclaims all warranties regarding (i) the status of CRUs under applicable governmental or non-governmental programs or pursuant to standards set by governmental or non-governmental bodies, whether implemented now or in the future, (ii) the availability of any current or future tax credit, benefit, or treatment, or (iii) any other financial benefits, associated with User's purchase of Retirement Services or the associated CRU(s).
Qualifications & exceptions
Mirrors the Climate Commitment disclaimer, here for Frontier's Climate Orders.
Legal Rights & Agreement Rules · Permission or license
You may name a business Beneficiary, must tell it yourself, share none of its data, and give Frontier power of attorney
The User may designate a Beneficiary, a business entity (not a natural person) intended to benefit from a retirement, when buying Retirement Services. The User, not Frontier, must notify the Beneficiary of the retirement; these terms benefit only the parties and Frontier owes a Beneficiary nothing. The User must not give Frontier a Beneficiary's Personal Data. To the extent necessary, the User grants Frontier a power of attorney to act on its or a Beneficiary's behalf to provide Climate Orders, and represents and warrants throughout the Term that it has secured the rights and consents from Beneficiaries needed for Frontier to act for them.
Supporting quotations
3.4 Beneficiaries.
User may designate a Beneficiary when User purchases Retirement Services. User is responsible for notifying a Beneficiary of a CRU’s Retirement. Frontier will not notify a Beneficiary of a CRU’s Retirement. These Stripe Climate Terms are intended solely for the benefit of the parties to these Stripe Climate Terms. Frontier has no obligation to any Beneficiary under these Stripe Climate Terms. When User designates a Beneficiary, User will not provide Frontier with a Beneficiary’s Personal Data.
3.5 Power of Attorney.
To the extent necessary, User grants to Frontier a power of attorney to act on User's behalf or on behalf of a Beneficiary to provide Stripe Climate Orders. User represents as of the Effective Date and warrants during the Term that User has secured the necessary rights and consents from the applicable Beneficiaries to enable Frontier to act on behalf of the applicable Beneficiaries.
Qualifications & exceptions
Beneficiaries must be business entities, and Frontier has no obligation to them.
The power of attorney is granted 'to the extent necessary' and backed by the User's warranty of Beneficiary consents.
Legal Rights & Agreement Rules · Context
The Climate Terms keep applying to purchased retirements until retired, transferred or refunded; definitions begin
These Climate Terms continue to apply to all Retirement Services bought before termination, and their CRUs, until Frontier retires the CRUs for the User or Beneficiary, transfers them to the User, or refunds some or all of the Fees under Section 3.3. The definitions section then begins: a 'Beneficiary' is a business entity, not a natural person, intended to benefit from a retirement; a 'Carbon Removal Unit' or 'CRU' is a specified amount of carbon dioxide removed from the atmosphere, acquired via Offtake Agreements, in full or partial tons.
Supporting quotations
4. Term.
These Stripe Climate Terms will apply to all Retirement Services purchased prior to termination and the associated CRUs until (a) Frontier Retires the relevant CRUs on User's behalf or User's Beneficiary’s behalf, (b) the relevant CRUs have been transferred to User, or (c) Frontier refunds some or all of the Fees for the Retirement Services in the manner described in Section 3.3 of these Terms.
5. Definitions.
“Beneficiary” means a business entity (i.e., not a natural person) that is an intended beneficiary of a Retirement or Retirement Services.
“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.
Qualifications & exceptions
Survival is tied to the completion of each purchased retirement, not a fixed period.
The Climate Terms define their vocabulary. The 'Climate API' is the set of APIs, sample code and guidelines for selecting Retirement Services and CRUs. 'Climate Commitment Funds' are the amount the User voluntarily allocates to Climate Projects as a revenue percentage, flat monthly sum or another accepted method; a 'Climate Project' is simply a climate project Stripe funds. 'Frontier Marketing Collateral' promotes Stripe Climate Orders. An 'Offtake Agreement' is a binding contract to buy future tons of removal if and when delivered; the 'Paris Agreement' is the 2015 UNFCCC agreement, cited by document number. A 'Purchaser' is a user buying Retirement Services. A 'Registry' tracks CRU retirements. To 'Retire' is to permanently remove a CRU from all carbon markets; 'Retirement Services' are the actions to retire a CRU in the 'Retirement Year' the User selects. 'Stripe Climate Commitment' is Stripe's suite for running a corporate climate program, and 'Stripe Climate Orders' are the Retirement Services, Climate API and Dashboard access, Frontier Marketing Collateral and Frontier's related services, including the integration with Stripe's payment processing. A 'Back to Top' link closes the section.
Supporting quotations
“Climate API” means the APIs that facilitate User’s selection of Retirement Services and any associated CRUs, and the sample code, instructions, requirements, and other guidelines as described in the Documentation.
“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.
“Climate Project” means a climate project that Stripe funds.
“Frontier Marketing Collateral” means the marketing and promotional materials and other ancillary documents developed for the purpose of promoting Stripe Climate Orders.
“Offtake Agreement” means a legally binding contract to buy future tons of carbon dioxide removal at an agreed price if and when delivered.
“Paris Agreement” means the Paris Agreement to the United Nations Framework Convention on Climate Change, U.N. Doc. FCCC/CP/2015/L.9/Rev/1 (Dec. 12, 2015).
“Purchaser” means a user that purchases Retirement Services.
“Registry” means any carbon offset registry or system that tracks the Retirement of a CRU.
“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.
“Retirement Year” means the year User selects, either via the Climate API or in the Stripe Dashboard, for a CRU to be Retired.
“Stripe Climate Commitment” means a suite of features Stripe provides that are designed to enable User to create and run User’s own corporate climate program.
and (d) all other services provided by Frontier and its Affiliates to facilitate the purchase or the provision of, as applicable, the foregoing, including the integration with the payment processing services provided by Stripe.
Qualifications & exceptions
'Climate Project' is defined only as a project Stripe funds, leaving selection entirely to Stripe.
Legal Rights & Agreement Rules · Context
The Connect Terms govern platforms that let their users accept payments, stacked on four other sets of terms
The Stripe Connect Terms, last modified September 28, 2026, supplement the General Terms and incorporate the Stripe Financial Services Terms, Stripe Connect Infrastructure Terms and Stripe Payments Terms by reference; together they govern use of the Stripe Connect Services as a Stripe Connect Platform. Regional Terms in Section 9 apply by the User's Stripe Account Country. Undefined terms come from the General, Financial Services, Connect Infrastructure or Payments Terms. The User may use the Connect Services under these terms to enable itself or its Connected Accounts to use the Stripe Payments Services alongside the User's Platform Services, the products and services Platform Users receive from the platform.
Supporting quotations
Stripe Connect—Platform
Last modified: September 28, 2026
1. Stripe Connect Services.
These terms (“Stripe Connect Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms, the Stripe Connect Infrastructure Terms and the Stripe Payments Terms, each of which are incorporated into these Stripe Connect Terms by this reference, govern the use of the Stripe Connect Services as a Stripe Connect Platform. The Regional Terms in Section 9 (Regional Terms) of these Stripe Connect Terms apply based on User’s Stripe Account Country.
User may use the Stripe Connect Services in accordance with these Stripe Connect Terms to enable User or User’s Connected Accounts to use the Stripe Payments Services in conjunction with User’s Platform Services.
“Platform Services” means the products and services that Platform Users receive from a Stripe Connect Platform, regardless of whether fees are charged (e.g., web development, customer support or hosting services).
“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.
Qualifications & exceptions
These terms address the platform side; Connected Accounts are bound by the separate Connected Account Agreement.
Not stated here
The Connected Account Agreement is on the Stripe Legal Page and not supplied.
Legal Rights & Agreement Rules · Context
Terms applied to a Connected Account are read from its side; Connected Accounts cannot claim as third parties
Where these terms apply a defined term to a Connected Account rather than the User, the definition is read as referring to the Connected Account; for example, 'Services' applied to a Connected Account means the Stripe services available to it under the Connected Account Agreement, and 'Disputes' means the Disputes that account incurs. Connected Accounts are not third parties for the purposes of, and are not eligible to make a Claim under, Section 9 of the General Terms.
Supporting quotations
6. Definitions Applied to Connected Accounts; General Terms Clarification.
Where defined terms are applied to a Connected Account (rather than User) in these terms, the relevant definition will be deemed to reference the Connected Account (e.g., when the term Services is applied to a Connected Account it means the Stripe services that Stripe makes available to the Connected Account under the Connected Account Agreement, and when the term Disputes is applied to a Connected Account it means Disputes that Connected Account incurs). Connected Accounts are not third parties for the purposes of, or eligible to make a Claim under, Section 9 of the General Terms.
Qualifications & exceptions
Section 9 of the General Terms is not supplied; this clause removes Connected Accounts from whatever third-party rights it gives.
Legal Rights & Agreement Rules · Context
Connect definitions: Connected Account and Agreement, Dispute, Merchant Losses, Non-SMR, Pricing Control, Platform User
Section 8 begins the definitions. A 'Connected Account' is a Platform User onboarded to the platform via Connect, or a Payout Recipient. The 'Connected Account Agreement' is the account's own agreement with Stripe on the Stripe Legal Page for its jurisdiction. A 'Dispute' is a Customer-initiated reversal including chargebacks. 'Merchant Losses' are negative balances from Transactions, Disputes, Refunds and Reversals where the Connected Account is the settlement merchant. A 'Non-SMR Connected Account' lacks Stripe Managed Risk Services. 'Platform Pricing Control' lets the User set the account's fees as the Documentation allows. 'Platform Services' are what Platform Users receive from the platform, paid or not, and a 'Platform User' is a user of the User's platform. The definitions continue in the next packet.
Supporting quotations
8. Definitions.
“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.
“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.
“Dispute” means an instruction a Customer initiates to reverse or invalidate a processed Transaction (including “chargebacks” and “disputes” as those terms may be used by Payment Method Providers).
“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.
“Non-SMR Connected Account” means a Connected Account on which Stripe is not providing Stripe Managed Risk Services.
“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.
“Platform Services” means the products and services that Platform Users receive from a Stripe Connect Platform, regardless of whether fees are charged (e.g., web development, customer support or hosting services).
“Platform User” means, where User is acting as a Stripe Connect Platform, a user of User’s platform.
The remaining Connect definitions: 'Receipt Requirements' are the date, total amount including fees and exchange rates, and unique reference for each Transaction on a Relevant SG Connected Account. 'Refund' and 'Reversal' carry their Payments Terms meanings. 'Relevant SG Connected Accounts' are Singapore accounts without Dashboard access that are sole proprietors or request receipts. An 'SMR Connected Account' has Stripe Managed Risk Services; the 'SMR Risk Cap' is Stripe's maximum Merchant Loss liability if agreed in writing; the 'SMR Transition Period' runs from the first Non-SMR Transaction for a transitioning user until all have transitioned or all SMR accounts close. 'Stripe-Hosted Onboarding' is Stripe's hosted onboarding form and tools. 'Stripe Managed Risk Services' let Stripe assume Merchant Loss liability with risk support. A 'Tax Information Report' is a required tax return such as IRS Form 1099.
Supporting quotations
“Receipt Requirements” means, for each Transaction on a Relevant SG Connected Account, the following information: (a) the date of the Transaction; (b) the total amount of the Transaction, including any service fees and relevant foreign exchange rates that apply to the Transaction; and (c) a unique reference number for the Transaction.
“Refund” means an instruction User initiates to provide a full or partial return of funds to a Customer for a processed Transaction.
“Relevant SG Connected Accounts” means Connected Accounts based in Singapore that do not have access to a Stripe Dashboard and: (a) are sole proprietors; or (b) for Connected Accounts that are not sole proprietors, request a receipt from User.
“Reversal” means the reversal of the settlement of funds for a Transaction.
“SMR Connected Account” means a Connected Account on which Stripe is providing Stripe Managed Risk Services.
“SMR Risk Cap” means Stripe’s maximum liability for Merchant Losses, if agreed by the parties in writing.
“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.
“Stripe-Hosted Onboarding” means the web form and set of onboarding tools hosted by Stripe used to collect onboarding information relating to Platform Users as described in the Documentation.
“Stripe Managed Risk Services” means the Services that enable Stripe to assume liability for Merchant Losses as described in the Stripe Connect Terms, and perform accompanying risk-related support services.
“Tax Information Report” means a required tax information return or report, including IRS Form 1099, or any other similar form.
Legal Rights & Agreement Rules · Restriction or exception
The Connect Regional Terms apply by country and override the Connect Terms where they conflict
Section 9 sets out Regional Terms for listed countries and regions. Where a Regional Term conflicts with the Stripe Connect Terms, the Regional Term prevails. Which apply depends on the User's Stripe Account Country, as Section 1 states.
Supporting quotations
9. Regional Terms.
The following Regional Terms apply for the countries or regions below. If there is a conflict between the Stripe Connect Terms and the Regional Terms, the Regional Terms prevail.
Qualifications & exceptions
Regional Terms prevail only to the extent of a conflict.
Legal Rights & Agreement Rules · Context
The Connect Infrastructure Terms apply when a Service incorporates them and let you create and manage Connected Accounts
The Stripe Connect Infrastructure Terms, last modified September 28, 2026, supplement the General Terms and apply to a Service only if that Service's terms incorporate them by reference. Undefined terms come from the General Terms. The User may use the Stripe Connect Services under these terms to create, manage and enable Services for its Connected Accounts; for a platform, the Connect Services are those that let it set up Services for Connected Accounts under these Infrastructure Terms and enable payments under the Connect Terms, while for a Connected Account they are the Services described in the Connected Account Agreement.
Supporting quotations
Stripe Connect—Infrastructure
Last modified: September 28, 2026
1. Stripe Connect Services.
These terms (“Stripe Connect Infrastructure Terms”) supplement the General Terms and apply to a Service if incorporated by reference into the applicable Service Terms. Capitalized terms that are not defined in these Stripe Connect Infrastructure Terms have the same meanings given to them in the General Terms. User may use the Stripe Connect Services in accordance with these Stripe Connect Infrastructure Terms to create, manage and enable Services for User’s Connected Accounts.
“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)
Qualifications & exceptions
These terms apply only where incorporated by another set of Service Terms, such as Connect, Capital for Platforms, Issuing Platform or Treasury for Platforms.
Legal Rights & Agreement Rules · Context
Stripe has its own contract with each Connected Account and may serve them outside your platform; you relay changes
Connected Accounts may use the Services under the Connected Account Agreement, the agreement with Stripe on the Stripe Legal Page for their jurisdiction. Stripe may suspend or stop Services to a Connected Account under that agreement, has a direct contractual relationship with each Connected Account and provides the Services directly to it. The User acknowledges that Connected Accounts may use Stripe services outside their relationship with the User. For Connected Accounts without a Stripe Dashboard, Stripe notifies the User when it modifies the Connected Account Agreement, and the User must promptly notify those Connected Accounts of the modification.
Supporting quotations
2. Stripe Obligations.
2.1 Connected Accounts.
Connected Accounts may use the Services in accordance with the Connected Account Agreement. Stripe may suspend or stop providing any Services to a Connected Account in accordance with the terms of the Connected Account Agreement. Stripe has a direct contractual relationship with each Connected Account under the Connected Account Agreement and will provide the Services directly to each Connected Account. User acknowledges that Connected Accounts may choose to use Stripe services outside of the Connected Accounts’ relationship with User.
2.2 Amendments to Connected Account Agreement.
For all Connected Accounts that do not have a Stripe Dashboard, Stripe will notify User if Stripe modifies the relevant Connected Account Agreement. User must notify those Connected Accounts of the modification promptly after User receives the modification notice from Stripe.
“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.
Qualifications & exceptions
The relay duty applies only to Connected Accounts that lack a Stripe Dashboard.
Not stated here
The Connected Account Agreement is not supplied.
Legal Rights & Agreement Rules · Context
Infrastructure Terms applied to a Connected Account are read from its side; accounts cannot claim as third parties
Where these terms apply a defined term to a Connected Account rather than the User, the definition refers to the Connected Account; 'Services' applied to a Connected Account means the Stripe services available to it under the Connected Account Agreement, and 'Disputes' means that account's Disputes. Connected Accounts are not third parties for, and cannot make a Claim under, Section 9 of the General Terms. This mirrors Section 6 of the Connect Terms.
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6. Definitions Applied to Connected Accounts; General Terms Clarification.
Where defined terms are applied to a Connected Account (rather than User) in these terms, the relevant definition will be deemed to reference the Connected Account (e.g., when the term Services is applied to a Connected Account it means the Stripe services that Stripe makes available to the Connected Account under the Connected Account Agreement, and when the term Disputes is applied to a Connected Account it means Disputes that Connected Account incurs). Connected Accounts are not third parties for the purposes of, or eligible to make a Claim under, Section 9 of the General Terms.
Section 8 begins the definitions. 'Activity' is any action on or related to a Connected Account's Stripe Account initiated by a platform or the account through Stripe Technology or Connect, including related communications. A 'Connected Account' is a Platform User onboarded via Connect or a Payout Recipient; the 'Connected Account Agreement' is its own agreement with Stripe; 'Connected Account Data' is data about Connected Accounts and Activity, possibly including Protected Data and Stripe Data. 'Dispute' has the Payments meaning. 'IRS' is the Internal Revenue Service and the 'IRS Form 1099 Services' generate, deliver and file 1099 copies to the extent the Documentation states. A 'Payout Recipient' is a third party the User pays out to via Connect. 'Platform Fees' are fees the User directs Stripe to charge Connected Accounts for its Platform Services; 'Platform Pricing Control' lets the User set an account's fees; the 'Platform Provider Agreement' is the User's agreements with each Connected Account; 'Platform Services' are what Platform Users receive from the platform. The definitions continue in the next packet.
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8. Definitions.
“Activity” means any action taken on or related to a Connected Account's Stripe Account that a Stripe Connect Platform or a Connected Account initiates, submits or performs, either through the Stripe Technology or through the Stripe Connect Services, including communication regarding the Services as related to that Connected Account.
“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.
“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.
“Connected Account Data” means data about Connected Accounts and Activity, which may include Protected Data and Stripe Data.
“Dispute” means an instruction a Customer initiates to reverse or invalidate a processed Transaction (including “chargebacks” and “disputes” as those terms may be used by Payment Method Providers).
“IRS” means Internal Revenue Service.
“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.
“Payout Recipient” means a third-party recipient to which Stripe enables User to make payouts via the Stripe Connect Services.
“Platform Fees” means the fees User directs Stripe to charge User’s Connected Accounts for the Connected Accounts’ use of User’s Platform Services.
“Platform 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.
“Platform Provider Agreement” means, as to each Connected Account, collectively, the agreements that a Stripe Connect Platform has with that Connected Account.
“Platform Services” means the products and services that Platform Users receive from a Stripe Connect Platform, regardless of whether fees are charged (e.g., web development, customer support or hosting services).
Legal Rights & Agreement Rules · Context
Infrastructure definitions: Platform User, Connect Platform and Services, Stripe-Hosted and User-Hosted Onboarding
The remaining Infrastructure definitions. A 'Platform User' is a user of the User's platform where the User acts as a Stripe Connect Platform, which is any platform provider using the Stripe Connect Services. For a platform, the 'Stripe Connect Services' let it create, manage and enable Services for its Connected Accounts under these Infrastructure Terms and enable itself or its accounts to use Stripe Payments under the Connect Terms; for a Connected Account they are the Services in the Connected Account Agreement. 'Stripe-Hosted Onboarding' is Stripe's hosted web form and onboarding tools; 'User-Hosted Onboarding' is the User's own onboarding interface built on the Stripe API or embedded Stripe components. A 'Back to Top' link closes the Infrastructure Terms.
Supporting quotations
“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.
or (b) if User is a Connected Account, the Services described in the Connected Account Agreement.
“Stripe-Hosted Onboarding” means the web form and set of onboarding tools hosted by Stripe used to collect onboarding information relating to Platform Users as described in the Documentation.
“User-Hosted Onboarding” means User’s onboarding user interface used to collect onboarding information relating to Platform Users built using: (a) the Stripe API; or (b) Stripe-developed components embedded into the Platform Services, each as described in the Documentation.
Legal Rights & Agreement Rules · Context
The Data Pipeline Terms govern Stripe syncing data from your Stripe Account to a warehouse or app you choose
The SDP Terms, last modified September 30, 2026, supplement the General Terms and govern use of the Stripe Data Pipeline Services and SDP Data. The Services let Stripe transfer data from the User's Stripe Account to the User's Destination by scheduled or real-time synchronization; SDP Data is the data so transferred. Undefined terms take their meaning from the General Terms, not supplied.
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Stripe Data Pipeline
Last modified: September 30, 2026
1. Stripe Data Pipeline Services.
These terms (“SDP Terms”) supplement the General Terms and govern User’s use of the Stripe Data Pipeline Services and SDP Data. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms.
“Stripe Data Pipeline Services” means the Services that enable Stripe to transfer data from User’s Stripe Account to the Destination, including both scheduled and real-time synchronization.
“SDP Data” means data Stripe transfers from User’s Stripe Account to a Destination.
Legal Rights & Agreement Rules · Restriction or exception
Using the pipeline does not make you compliant; you own configuration, data handling and Destination fees
Stripe does not warrant that using the Data Pipeline Services will make the User compliant with Law, including any notification duties to data subjects. The User remains fully responsible for, and the Stripe Parties disclaim liability for, the User's configuration of the service and the accuracy and completeness of its transfer instructions, the use, storage, security, modification and disclosure of SDP Data by the User or third parties, and fees the Destination charges. Stripe is not responsible for connection or transfer failures or delays caused by the Destination's technical limits.
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5. Disclaimer.
Stripe does not warrant or represent that by using Stripe Data Pipeline Services, User will be in compliance with Law, including any required notification obligations User may have to any data subjects. User remains fully responsible for, and Stripe Parties disclaim all liability with respect to: (a) User’s configuration of Stripe Data Pipeline Services and the accuracy and completeness of User’s instructions to Stripe to transfer data, (b) User’s or any third party’s use, storage, security, modification, and disclosure of SDP Data, and (c) fees a Destination charges User. Stripe is not responsible for a failure or delay in connecting to, or transferring SDP Data to, a Destination due to the Destination’s technical limits.
Legal Rights & Agreement Rules · Context
Data Pipeline definitions: Connected Account, Destination, Identity Services Data, SDP Data, Data Pipeline Services
Section 6 defines the terms: a 'Connected Account' is a Platform User onboarded via Connect or a Payout Recipient; a 'Destination' is a supported data warehouse, third-party application or other service the User selects to receive SDP Data; 'Identity Services Data' is Stripe Data received through the Stripe Identity Services; 'SDP Data' is data Stripe transfers from the User's Stripe Account to a Destination; and the 'Stripe Data Pipeline Services' transfer that data by scheduled or real-time synchronization. The Stripe Radar Data definition follows in the next packet.
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6. Definitions.
“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.
“Destination” means a supported data warehouse, third-party application, or other service selected by User to receive SDP Data.
“Identity Services Data” means any Stripe Data that User receives from Stripe in connection with the Stripe Identity Services.
“SDP Data” means data Stripe transfers from User’s Stripe Account to a Destination.
“Stripe Data Pipeline Services” means the Services that enable Stripe to transfer data from User’s Stripe Account to the Destination, including both scheduled and real-time synchronization.
Legal Rights & Agreement Rules · Context
Data Pipeline definition: Stripe Radar Data is the Radar Scores and other data received through Radar or Orchestrated
The last Data Pipeline definition: 'Stripe Radar Data' means the Radar Scores and other data the User receives through the Stripe Radar Services and, where applicable, the Stripe Orchestrated Services. Under Section 2.2 such data delivered through the pipeline may be used only for security or fraud prevention. A 'Back to Top' link closes the SDP Terms.
Supporting quotations
“Stripe Radar Data” means the Radar Scores and other data User receives through the Stripe Radar Services, and the Stripe Orchestrated Services (as applicable).
Legal Rights & Agreement Rules · Context
Fee Credit Terms definition: a Fee Credit is a Stripe-issued discount against future Fees, not a prepayment you made
Section 5 defines 'Fee Credit' as a Stripe-issued amount the User may use solely as a discount against future Fees, excluding any amount the User pays Stripe that becomes a fee credit, such as a prepayment. A 'Back to Top' link closes the Fee Credit Terms.
Supporting quotations
5. Definitions.
“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
Prepayments the User makes are not Fee Credits under these terms.
Legal Rights & Agreement Rules · Context
The Financial Connections Terms govern verifying end users' bank accounts and optionally receiving their account data
The Stripe Financial Connections Terms, last modified September 28, 2026, supplement the General Terms and incorporate the Stripe Financial Services Terms by reference; together they govern the Stripe Financial Connections Services, which let the User verify End User financial accounts and optionally receive Connections Data, the account identifiers, ownership information, balances and transactions that Stripe obtains from Data Sources and provides to the User. Regional Terms in Section 6 apply by the User's Stripe Account Country, and undefined terms come from the General Terms or Financial Services Terms.
Supporting quotations
Stripe Financial Connections
Last modified: September 28, 2026
1. Stripe Financial Connections Services.
These terms (“Stripe Financial Connections Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms which are incorporated into these Stripe Financial Connections Terms by this reference, govern the use of the Stripe Financial Connections Services and Connections Data. The Regional Terms in Section 6 (Regional Terms) of these Stripe Financial Connections Terms apply based on User's Stripe Account Country.
“Stripe Financial Connections Services” means the Services that enable User to verify End User financial accounts and the option to receive Connections Data.
“Connections Data” means data associated with a Connections End User’s financial account that Stripe provides to User through the Stripe Financial Connections Services, which may include account identifiers (e.g., account and routing numbers, or institution and transit numbers), account ownership information, account balance, and account transactions, from Data Sources.
Qualifications & exceptions
Regional Terms in Section 6 apply based on the User's Stripe Account Country.
Legal Rights & Agreement Rules · Context
Financial Connections definitions: Connections Data and End User, Data Source, Express Consent, FCRA, Consumer Terms
Section 5 defines the terms. 'Connections Data' is financial-account data from Data Sources that Stripe provides to the User, such as account identifiers, ownership, balance and transactions. A 'Connections End User' is an End User whose data the User seeks; 'End User' takes the Privacy Policy's meaning and 'End User Service' the Consumer Terms' meaning. A 'Data Source' provides financial account information to Stripe. 'Express Consent' is the end user's express, informed, opt-in consent for the Authorized Purpose, obtained through the 'Express Consent UI'. 'FCRA' means the Fair Credit Reporting Act and Equal Credit Opportunity Act, cited as 15 U.S.C. Section 1681 et seq. The 'Stripe Consumer Terms of Service' are Stripe's linked terms for End Users. The Financial Connections Services definition follows in the next packet.
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5. Definitions.
“Connections Data” means data associated with a Connections End User’s financial account that Stripe provides to User through the Stripe Financial Connections Services
“Connections End User” means an End User whose Connections Data User requests to access, collect, use, and process in connection with the Stripe Financial Connections Services.
“Data Source” means an entity that provides financial account information to Stripe.
“End User” has the meaning given to it in Stripe’s Privacy Policy.
“End User Service” has the meaning given to it in the Stripe Consumer Terms of Service.
“Express Consent” means a Connections End User’s express, informed, opt-in consent to User’s collection, use, disclosure, and processing of that Connections End User’s Connections Data for the Authorized Purpose.
“Express Consent UI” means the user interface, including the text and consent mechanism included on that user interface, through which User obtains Express Consents.
“FCRA” means Fair Credit Reporting Act, 15 U.S.C. Section 1681, et seq. and Equal Credit Opportunity Act, 15 U.S.C. Section 1681, et seq.
“Stripe Consumer Terms of Service” means the terms that apply to an End User’s use of Stripe’s End User Services located at
Legal Rights & Agreement Rules · Restriction or exception
Financial Connections Services verify end users' accounts with optional data; the Regional Terms override on conflict
The 'Stripe Financial Connections Services' are the Services that let the User verify End User financial accounts, with the option to receive Connections Data. Section 6 sets out Regional Terms for listed countries and regions; where a Regional Term conflicts with the Financial Connections Terms, the Regional Term prevails.
Supporting quotations
“Stripe Financial Connections Services” means the Services that enable User to verify End User financial accounts and the option to receive Connections Data.
6. Regional Terms.
The following Regional Terms apply for the countries or regions below. If there is a conflict between the Stripe Financial Connections Terms and the Regional Terms, the Regional Terms prevail.
Qualifications & exceptions
Regional Terms prevail only to the extent of a conflict.
Legal Rights & Agreement Rules · Context
United States definitions: the Approved Payment Network is the Nacha-run ACH Network; Financial Institution and GLBA
For Users in the United States, the 'ACH Network' is the automated clearinghouse payment network that Nacha's member organizations control and manage, and it is the 'Approved Payment Network'. 'Financial Institution' takes its meaning from the GLBA, defined as the Gramm-Leach Bliley Act, 15 U.S.C. Sections 6802-6809.
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6.3 Definitions.
"ACH Network" means the automated clearinghouse payment network that the member organizations of Nacha control and manage.
“Approved Payment Network” means the ACH Network.
"Financial Institution" has the meaning given to it in the GLBA.
"GLBA" means Gramm-Leach Bliley Act, 15 U.S.C. Sections 6802-6809.
Qualifications & exceptions
Applies to Users in the United States.
Legal Rights & Agreement Rules · Context
Canada definitions: the Approved Payment Network is the ACSS run by Payments Canada; Financial Institution defined
For Users in Canada, the 'ACSS' is the Automated Clearing Settlement System operated by Payments Canada (the Canadian Payments Association's operating name, running the national clearing and settlement infrastructure under the Canadian Payments Act) that clears and settles payment items including pre-authorized debits, and it is the 'Approved Payment Network'. A 'Financial Institution' is a bank, trust company, loan company, credit union, caisse populaire or other institution regulated under Canadian federal or provincial Law, including the Bank Act and the Trust and Loan Companies Act.
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Canada.
The following Regional Terms apply for Users in Canada.
6.1 Definitions.
"ACSS" means the Automated Clearing Settlement System, the electronic clearing and settlement system operated by Payments Canada that facilitates the clearing and settlement of payment items, including pre-authorized debits.
“Approved Payment Network” means the ACSS.
"Financial Institution" means a bank, trust company, loan company, credit union, caisse populaire, or other financial institution that is federally or provincially regulated under Canadian Law, including under the Bank Act (S.C. 1991, c. 46), the Trust and Loan Companies Act (S.C. 1991, c. 45), or applicable provincial legislation.
"Payments Canada" means Payments Canada, the operating brand name of the Canadian Payments Association, and the organization responsible for the clearing and settlement infrastructure for payments in Canada, operating under the Canadian Payments Act.
Qualifications & exceptions
Applies to Users in Canada.
The Canadian statutes are cited by name; their text is not supplied.
Legal Rights & Agreement Rules · Context
The Global Payouts Fiat Terms cover fiat payments from your Financial Account to third parties, not stablecoins
The Stripe Global Payouts Fiat Terms, last modified April 24, 2026, supplement the General Terms, the Financial Services Terms and the Stripe Treasury Terms and govern the Stripe Global Payouts Fiat Services, which let the User make fiat-currency Outbound Payments (payments from its Financial Account to a Recipient, a third party in a Transaction Territory). They cover only fiat Outbound Payments; stablecoin or other digital-asset exchange, custody, transmission or payout is governed by the Stablecoin Treasury Terms, Global Payouts Stablecoin Terms and Stablecoin Partner Terms. When Stripe makes an Outbound Payment to a Recipient on the User's behalf, no direct relationship arises between Stripe and the Recipient. Undefined terms come from the General, Financial Services or Treasury Terms.
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Stripe Global Payouts Fiat
Last modified: April 24, 2026
1. Global Payouts Services.
1.1 Operation of These Terms.
These terms (“Stripe Global Payouts Fiat Terms”) supplement the General Terms, the Stripe Financial Services Terms, and the Stripe Treasury Terms, and govern the use of the Stripe Global Payouts Fiat Services. For the avoidance of doubt, these Stripe Global Payouts Fiat Terms are limited to fiat currency Outbound Payments and do not govern the exchange, custody, transmission, or payout of Stablecoin or any other digital asset, which are governed by the Stripe Stablecoin Treasury Terms, the Stripe Global Payouts Stablecoin Terms, and the Stablecoin Partner Terms, as applicable.
1.2 Description of Global Payouts Fiat Services.
The Stripe Global Payouts Fiat Services enable User to make fiat currency Outbound Payments. When Stripe makes an Outbound Payment to a Recipient on User’s behalf, it does not create any direct relationship between Stripe and the Recipient.
“Stripe Global Payouts Fiat Services” means the Services that enable User to make fiat currency Outbound Payments from User's Financial Account to Recipients.
“Outbound Payment” means a fiat currency payment from the Financial Account to a Recipient.
“Recipient” means a third party located in a Transaction Territory, that receives a fiat currency payment or transfer from User's Financial Account.
Qualifications & exceptions
Limited to fiat currency; digital assets fall under the stablecoin terms.
Recipients have no direct relationship with Stripe.
Legal Rights & Agreement Rules · Context
The Global Payouts Stablecoin Terms (Preview) govern Stripe’s interface for telling a Stablecoin Partner to pay out
The Stripe Global Payouts Stablecoin Terms, last modified September 28, 2026, supplement the General Terms and incorporate the Financial Services Terms, the Stripe Treasury Terms and the Stripe Stablecoin Treasury Terms by reference. They govern the Stripe Global Payouts Stablecoin Services: the user interface, data transmission and related technology Stripe provides so the User can instruct a Stablecoin Partner to complete Stablecoin Payout Transactions. The Services are Preview Services. Undefined terms come from the General Terms or Financial Services Terms.
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Stripe Global Payouts Stablecoin (Preview)
Last modified: September 28, 2026
1. Operation of These Terms.
These terms ("Stripe Global Payouts Stablecoin Terms") supplement the General Terms and, together with the Stripe Financial Services Terms, the Stripe Treasury Terms, and the Stripe Stablecoin Treasury Terms, each of which is incorporated into these Stripe Global Payouts Stablecoin Terms by this reference, govern User's use of the Stripe Global Payouts Stablecoin Services. 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. The Stripe Stablecoin Global Payouts Stablecoin Services are Preview Services.
"Stripe Global Payouts Stablecoin Services" means the user interface, data transmission, and related technology services that Stripe provides to enable User to instruct the Stablecoin Partner to complete Stablecoin Payout Transactions.
Qualifications & exceptions
The Services are expressly Preview Services.
Stripe's product here is an interface; the stablecoin services themselves belong to the Stablecoin Partner.
Not stated here
What Preview status entails is governed by the General Terms, not supplied.
Legal Rights & Agreement Rules · Restriction or exception
Stripe disclaims outages, wrong wallet data, price swings and Partner failures; sent stablecoin cannot be recalled
To the extent Law permits, Stripe is not liable for losses from suspension, termination or interruption of the Service or the Stablecoin Partner Services; incorrect or incomplete Payout Information (the wallet address and recipient identity details required), including a wrong or invalid Designated Wallet; a payout failing because the wallet is incompatible with the Stablecoin; value fluctuations between initiation and delivery; the Stablecoin Partner rejecting, delaying or failing to complete a payout for any reason; the Partner's default, insolvency or bankruptcy; any act or omission of the Partner in exchange, custody, transmission or payout; an insufficient wallet balance at execution; or the irreversibility of any transaction, including stablecoin sent to a wrong or unintended wallet. Once the Stablecoin Partner has started transmitting Stablecoin to a Designated Wallet, the transaction cannot be amended, cancelled, reversed or recalled.
Supporting quotations
To the extent Law permits, Stripe is not liable to User for any losses, damages, or costs resulting from: (a) the suspension, termination, or interruption of the Stripe Global Payouts Stablecoin Services or the Stablecoin Partner Services; (b) User or any Stablecoin Payout Recipient providing incorrect or incomplete Payout Information, including an incorrect or invalid Designated Wallet address; (c) the failure of a Stablecoin Payout Transaction due to the Designated Wallet being incompatible with the Stablecoin being transmitted; (d) fluctuations in the value of Stablecoin between the time User initiates a Stablecoin Payout Transaction and the time the Stablecoin is delivered to the Designated Wallet; (e) the Stablecoin Partner rejecting, delaying, or failing to complete a Stablecoin Payout Transaction for any reason; (f) the Stablecoin Partner’s default, insolvency, or bankruptcy; (g) any act or omission of the Stablecoin Partner in connection with the exchange, custody, transmission, or payout of Stablecoin; (h) User's Stablecoin Partner Wallet having an insufficient Stablecoin balance to fund a Direct Stablecoin Payout at the time of execution; or (i) the irreversibility of any Stablecoin Payout Transaction, including where Stablecoin has been transmitted to an incorrect, invalid, or unintended Designated Wallet address. Stablecoin Payout Transactions cannot be amended, cancelled, reversed, or recalled once the Stablecoin Partner has initiated the transmission of Stablecoin to a Designated Wallet.
"Payout Information" means all information necessary to complete a Stablecoin Payout Transaction, including the Stablecoin Payout Recipient's Designated Wallet address and such identifying information about the Stablecoin Payout Recipient as Stripe or the Stablecoin Partner may require from time to time, including name, address, and government-issued identification.
Qualifications & exceptions
The disclaimer applies to the extent Law permits.
Irreversibility attaches from the moment the Partner initiates transmission.
Legal Rights & Agreement Rules · Restriction or exception
Stripe provides no payments or financial service to your stablecoin payees and need not answer their support requests
Stripe provides no payments service or other financial service to Stablecoin Payout Recipients in connection with the Stripe Global Payouts Stablecoin Services. The User is responsible for all its communications with recipients, and Stripe has no obligation to respond to recipients' communications or support requests.
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2.11 Stripe Does Not Provide Services to Stablecoin Payout Recipients.
Stripe does not provide any payments service or other financial service to Stablecoin Payout Recipients in connection with the Stripe Global Payouts Stablecoin Services. User is responsible for all of User's communications with Stablecoin Payout Recipients, and Stripe is under no obligation to respond to communications or support requests from Stablecoin Payout Recipients.
Legal Rights & Agreement Rules · Context
Defined terms: Direct and Fiat-Funded Stablecoin Payouts, Designated Wallet, Payout Recipient and Payout Information
A Direct Stablecoin Payout is a transaction where the User, through Stripe's interface, instructs the Stablecoin Partner to send Stablecoin from the User's Stablecoin Partner Wallet to a recipient's Designated Wallet. A Fiat-Funded Stablecoin Payout is one where Stripe transfers fiat from the User's Financial Account to the User's Partner account and the Partner exchanges it for Stablecoin and sends it to the recipient's Designated Wallet. A Stablecoin Payout Transaction is either type. A Designated Wallet is the cryptocurrency wallet address designated by the User or a recipient to receive the Stablecoin. A Stablecoin Payout Recipient is a recipient the User designates to receive Stablecoin via a Designated Wallet. Payout Information is all information needed to complete a payout, including the wallet address and recipient identifying details Stripe or the Partner may require, such as name, address and government-issued identification.
Supporting quotations
5. Definitions.
"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.
"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.
"Payout Information" means all information necessary to complete a Stablecoin Payout Transaction, including the Stablecoin Payout Recipient's Designated Wallet address and such identifying information about the Stablecoin Payout Recipient as Stripe or the Stablecoin Partner may require from time to time, including name, address, and government-issued identification.
"Stablecoin Payout Recipient" means a recipient designated by User to receive Stablecoin in connection with a Stablecoin Payout Transaction via a Designated Wallet.
"Stablecoin Payout Transaction" means either a Fiat-Funded Stablecoin Payout or a Direct Stablecoin Payout, as applicable.
Legal Rights & Agreement Rules · Context
Defined terms: Stablecoin, Stablecoin Partner, Partner Services, Partner Terms and Depeg Event
A Stablecoin is any fiat-backed cryptocurrency a Stablecoin Partner supports, as updated in the Partner Terms and Documentation. A Stablecoin Partner is an entity, possibly a Stripe Affiliate or a third party, that provides stablecoin exchange, custody, transmission or payout services to the User under the Stablecoin Partner Terms. Stablecoin Partner Services are the Partner's services connected to Stripe's stablecoin Services, which may include account and wallet creation, conversion between Stablecoin and fiat, custody, transmission or payout, and other services the Partner offers. Stablecoin Partner Terms govern the Partner's provision and the User's use of those services and may be updated. A Depeg Event is any occurrence where Stripe or the Partner determines in its sole discretion that a Stablecoin's price has failed to hold its intended fiat peg.
Supporting quotations
“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.
"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 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.
Legal Rights & Agreement Rules · Context
Defined term: the Global Payouts Stablecoin Services are only the interface letting you instruct the Partner
The Stripe Global Payouts Stablecoin Services are defined as the user interface, data transmission and related technology services Stripe provides to enable the User to instruct the Stablecoin Partner to complete Stablecoin Payout Transactions. This definition confines Stripe's role to the instruction layer; the stablecoin exchange, custody and payout themselves are performed by the Partner.
Supporting quotations
"Stripe Global Payouts Stablecoin Services" means the user interface, data transmission, and related technology services that Stripe provides to enable User to instruct the Stablecoin Partner to complete Stablecoin Payout Transactions.
Legal Rights & Agreement Rules · Context
The Stripe Identity Terms supplement the General Terms and govern the Identity Services and Submitted Data
The Stripe Identity Terms, last modified September 28, 2026, supplement the General Terms and govern use of the Stripe Identity Services and of Submitted Data. Capitalized terms not defined in these terms take their meaning from the General Terms. The Stripe Identity Services are the Services that let Stripe collect and verify, and Stripe and the User store, information about individuals to verify their identity.
Supporting quotations
Stripe Identity
Last modified: September 28, 2026
1. Stripe Identity Services.
These terms (“Stripe Identity Terms”) supplement the General Terms and govern the use of the Stripe Identity Services and Submitted Data. Capitalized terms that are not defined in these Stripe Identity Terms have the same meanings given to them in the General Terms.
“Stripe Identity Services” means the Services that enable Stripe to collect and verify, and Stripe and User to store, information regarding individuals for the purpose of verifying the identity of those individuals.
Legal Rights & Agreement Rules · Restriction or exception
Stripe Identity is as is; Stripe does not promise it catches all fraud or meets your due-diligence duties
Stripe does not represent or warrant that the Stripe Identity Services will let the User fulfill its legal obligations, including Due Diligence Requirements. Except as otherwise provided, the Services are provided 'as is' and 'as available'. Stripe does not guarantee that they will detect or prevent all fraudulent, illegal or risky activity or correctly evaluate anyone's identity, and makes no warranty that they will enable the User to comply with Law; the User remains solely responsible for meeting its legal obligations.
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4. No Warranties; Disclaimers.
4.1 No Warranty.
Stripe does not represent or warrant that the Stripe Identity Services will enable User to fulfill User’s obligations under Law, including with respect to Due Diligence Requirements.
4.2 Disclaimers.
Except as otherwise provided herein, the Stripe Identity Services are provided on an “as is” and “as available” basis. Further:
(a) Stripe does not guarantee that the Stripe Identity Services will detect or prevent all fraudulent, illegal, or risky activities or correctly evaluate the identity of any individual.
(b) Stripe makes no representation or warranty that the Stripe Identity Services will enable User to comply with Law, and User remains solely responsible for ensuring that User meets User’s legal obligations.
Qualifications & exceptions
The disclaimer applies except as otherwise provided in these terms.
Legal Rights & Agreement Rules · Restriction or exception
You are liable for your decisions; Stripe is not liable for undetected fraud, failed due diligence or wrong results
The User is responsible and liable for its actions and decisions in connection with the Stripe Identity Services, including whether to enter business relationships with anyone. Stripe and its Affiliates are not liable for losses, damages or costs the User suffers from fraudulent, illegal or risky activity the Services did not detect or prevent, nor for losses caused by the User's failure to meet its Due Diligence Requirements (AML, KYC, KYB and CDD obligations under Law) or by the Services failing to correctly evaluate any individual.
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(c) User is responsible and liable for User’s actions and decisions in connection with the Stripe Identity Services, including User’s decisions to enter, or not enter, into business relationships with any persons.
(d) Stripe and its Affiliates are not liable for any losses, damages, or costs that User suffers in connection with any fraudulent, illegal, or risky, activities that the Stripe Identity Services did not detect or prevent.
(e) Stripe and its Affiliates are not liable for any losses, damages, or costs caused by User’s failure to meet any of User’s Due Diligence Requirements, or by the Stripe Identity Services failing to correctly evaluate any individual.
“Due Diligence Requirements” means requirements imposed by Law that govern, are related to, or are similar to Anti-Money Laundering (AML), Know Your Customer (KYC), Know Your Business (KYB) and Customer Due Diligence (CDD).
Legal Rights & Agreement Rules · Context
Defined terms: CCPA, Due Diligence Requirements, ID Image, Identity Services Data, Selfie Verification and more
The Identity Terms define the CCPA (California Consumer Privacy Act of 2018); Due Diligence Requirements (AML, KYC, KYB and CDD requirements under Law); ID Image (an image of an individual submitted through the Services, including one captured from an identification document); Identity Services Data (Stripe Data the User receives in connection with the Services); Selfie Verification (verifying an ID Image with biometric identifiers and facial recognition); Stripe Identity Permitted Businesses (the use cases and business locations listed in the Documentation); Stripe Identity Services; Stripe Identity Services Documentation (the Documentation plus other material Stripe provides, including by email and the Dashboard); Submitted Data (all data, photos, ID Images and documents submitted through the Services); and Submitted Individual (a person whose Verification Data is submitted).
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9. Definitions.
“CCPA” means California Consumer Privacy Act of 2018, Cal. Civ. Code Sections 1798.100-1798.199.
“Due Diligence Requirements” means requirements imposed by Law that govern, are related to, or are similar to Anti-Money Laundering (AML), Know Your Customer (KYC), Know Your Business (KYB) and Customer Due Diligence (CDD).
“ID Image” means an image of an individual submitted through the Stripe Identity Services, including an image captured from an individual’s identification document.
“Identity Services Data” means any Stripe Data that User receives from Stripe in connection with the Stripe Identity Services.
“Selfie Verification” means the verification of an ID Image using biometric identifiers and facial recognition technology.
“Stripe Identity Permitted Businesses” means the use cases and business locations supported by Stripe Identity, as listed in the [Documentation](https://stripe.com/docs/identity/use-cases).
“Stripe Identity Services” means the Services that enable Stripe to collect and verify, and Stripe and User to store, information regarding individuals for the purpose of verifying the identity of those individuals.
“Stripe Identity Services Documentation” means the Documentation, along with other documentation that Stripe makes available to User (including via email and the Stripe Dashboard), relating to the Stripe Identity Services.
“Submitted Data” means all data, information, photos, ID Images, and documents (including copies of documents) submitted through the Stripe Identity Services.
“Submitted Individual” means an individual whose Verification Data is submitted through the Stripe Identity Services.
Not stated here
'Verification Data' is used in the Submitted Individual definition but is not itself defined in these terms.
Legal Rights & Agreement Rules · Context
The Stripe Invoicing Terms supplement the General Terms and govern the Invoicing Services
The Stripe Invoicing Terms, last modified November 18, 2025, supplement the General Terms and govern the User's use of the Stripe Invoicing Services, the Services that let the User invoice Customers for its products and services and confirm receipt of payment. Capitalized terms not defined here take their General Terms meaning.
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Stripe Invoicing
Last modified: November 18, 2025
1. Use of Invoicing Services.
These terms (“Stripe Invoicing Terms”) supplement the General Terms and govern User’s use of the Stripe Invoicing Services. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms.
5. Definitions.
“Stripe Invoicing Services” means the Services that enable User to invoice Customers for User’s products and services and to confirm receipt of payment for invoices.
Legal Rights & Agreement Rules · Procedure
You must configure invoicing to comply with Law and own invoice content, data accuracy, customer disputes and edits
The User is responsible for configuring and using the Stripe Invoicing Services in compliance with Law, including deciding whether they must be supplemented with third-party services, and for ensuring that the form and content of invoices meet its needs and achieve the legal or tax effects it intends. The User is also responsible for the accuracy of information it gives Stripe for the Services, for resolving disputes with Customers about its use of the Services, and for its own modifications, additions, uploaded templates and revised translations on its invoices or hosted invoicing page.
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2. User’s Obligations.
User is responsible for configuring and using Stripe Invoicing Services in compliance with Law, including determining if the Stripe Invoicing Services need to be supplemented using additional third party services. User must ensure that the form and content of invoices meet User’s needs and achieve the legal or tax effects that User intends. User is responsible for: (a) ensuring the accuracy of information User provides to Stripe in connection with the Stripe Invoicing Services; (b) resolving any disputes between User and Customers related to User’s use of Stripe Invoicing Services; and (c) User’s modifications or additions, uploaded templates, and revised translations to User’s invoices or hosted invoicing page.
Legal Rights & Agreement Rules · Context
The UK/EEA Issuing Accountholder Terms supplement the General Terms and incorporate the Financial Services Terms
The Stripe Issuing Accountholder Terms for the United Kingdom and European Economic Area, last modified September 28, 2026, supplement the General Terms and, with the Stripe Financial Services Terms incorporated by reference, govern the User's use of the Stripe Issuing Accountholder Services. Undefined capitalized terms take their meaning from the General Terms and the Financial Services Terms. Stripe and its Affiliates make the Accountholder Services, which include access to the Stripe Issuing Program (a Card issuing program and related services), available to Stripe Issuing Accountholders, meaning businesses that completed onboarding and were approved for a Stripe Issuing Account.
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Stripe Issuing—Accountholder (United Kingdom and European Economic Area)
Last modified: September 28, 2026
1. Stripe Issuing Services - Accountholder.
These terms (“Stripe Issuing Accountholder Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms which are incorporated into these terms by this reference, govern User’s use of the Stripe Issuing Accountholder Services. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms and the Stripe Financial Services Terms.
2. Overview.
Stripe and its Affiliates make available the Stripe Issuing Accountholder Services, which includes access to the Stripe Issuing Program, for Stripe Issuing Accountholders.
“Stripe Issuing Accountholder” means a business or organization that has successfully completed the onboarding requirements described in these Stripe Issuing Accountholder Terms and been approved for a Stripe Issuing Account.
“Stripe Issuing Accountholder Services” means Services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, including (a) providing Stripe Issuing Accountholders with access to the Stripe Issuing Program; (b) enabling Stripe Issuing Accountholders to manage Card spend, and (c) other services described in these Stripe Issuing Accountholder Terms.
“Stripe Issuing Program” means a Card issuing program and related services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, together with the Stripe Issuing Accountholder Services.
Legal Rights & Agreement Rules · Context
Definitions: Issuing Authorized User, Complaint, Platform Provider, Issuing Account, Accountholder, Program and Services
These definitions finish Section 14. A 'Connected Account Agreement' is the agreement with Stripe that applies to Connected Accounts other than Payout Recipients, found on the Stripe Legal Page for the account's jurisdiction. An 'Issuing Authorized User' is an individual the accountholder authorizes to use a Card on its behalf, such as an employee, contractor or representative. An 'Issuing Complaint' is any expression of dissatisfaction with a product, service, policy or employee related to a Stripe Issuing Program. A 'Platform Provider' is the platform that gives the User access to the program, where the User is a Connected Account or otherwise reaches the program through a platform. The 'Stripe Issuing Account' is the account Stripe or an Affiliate maintains for the accountholder and each subaccount. A 'Stripe Issuing Accountholder' is a business or organization that finished onboarding and was approved for an account. The 'Stripe Issuing Accountholder Services' include access to the program and Card spend management, and a 'Stripe Issuing Administrator' is the individual the accountholder appoints to manage its participation. The 'Stripe Issuing Program' is the Card issuing program and related services plus those Services. 'Stripe Issuing Program Guidelines' are the product design, marketing, compliance, reporting and other guidelines and requirements Stripe and its Affiliates set, as updated from time to time. 'Stripe Issuing Services' are the Accountholder Services and the Stripe Issuing Platform Services, which let the User co-market the Accountholder Services to its Platform Users and provide access to them for Stripe Issuing Accountholders. A 'Supported Currency' is a currency Stripe communicates as supported, and 'User Materials' are the Marks or other materials the User or accountholder wants on Cards and other materials the User gives Stripe for the program.
Supporting quotations
“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.
“Issuing Authorized User” means an individual a Stripe Issuing Accountholder authorizes to use a Card to make Card Transactions on the Stripe Issuing Accountholder’s behalf (e.g., the Stripe Issuing Accountholder’s employee, independent contractor or representative designated as an authorized user).
“Issuing Complaint” means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program.
“Platform Provider” means the platform that gives User access to the Stripe Issuing Program (if User is a Connected Account or if User otherwise accesses the Stripe Issuing Program through a platform).
“Stripe Issuing Account” means the account Stripe or a Stripe Affiliate maintains for a Stripe Issuing Accountholder, and each subaccount to that account.
“Stripe Issuing Accountholder” means a business or organization that has successfully completed the onboarding requirements described in these Stripe Issuing Accountholder Terms and been approved for a Stripe Issuing Account.
“Stripe Issuing Accountholder Services” means Services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, including (a) providing Stripe Issuing Accountholders with access to the Stripe Issuing Program; (b) enabling Stripe Issuing Accountholders to manage Card spend, and (c) other services described in these Stripe Issuing Accountholder Terms.
“Stripe Issuing Administrator” means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Program.
“Stripe Issuing Program” means a Card issuing program and related services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, together with the Stripe Issuing Accountholder 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.
“Stripe Issuing Services” means the Stripe Issuing Accountholder Services and Stripe Issuing Platform Services.
“Stripe Issuing Platform Services” means the Services that allow User to co-market the Stripe Issuing Accountholder Services to User’s Platform Users and provide access to the Stripe Issuing Accountholder Services to Stripe Issuing Accountholders.
“Supported Currency” means a currency supported under the Stripe Issuing Accountholder Services as communicated to User by Stripe.
“User Materials” means (a) all Marks or other materials that User or a Stripe Issuing Accountholder wish to place on Cards; or (b) all other materials that User provides to Stripe for the purposes of the Stripe Issuing Programs.
Qualifications & exceptions
The Issuing Program Guidelines can be updated by Stripe and Stripe's Affiliates from time to time.
Not stated here
The Guidelines themselves are not part of this document.
Legal Rights & Agreement Rules · Restriction or exception
You bear costs from lax safeguarding, late reporting or Card sharing; Stripe disclaims unauthorized-use losses
To the extent Law permits, the User is responsible for Card Transactions and for all costs, fees, fines and penalties the User or Stripe incur because an Issuing Authorized User failed to exercise reasonable care in safeguarding Cards from loss, theft or misappropriation or failed to promptly report loss, theft or fraud. If the User or an Issuing Authorized User lets another party use a Card or Personal Data for any purpose, the User is responsible for that use and all related losses, damages, costs, fines, fees or penalties. To the extent Law permits, Stripe is not liable for losses, damages, costs, fines, fees or penalties related to unauthorized access to or use of a Card or the Stripe Issuing Account, or to the User's failure to use or implement anti-fraud measures, security controls or other data security measures.
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9.2 Unauthorized Transactions.
To the extent Law permits, User is responsible for Card Transactions, and all costs, fees, fines, and penalties User or Stripe incur related to an Issuing Authorized User’s failure to (a) exercise reasonable care in safeguarding Cards from loss, theft or misappropriation; or (b) promptly report loss or theft, including fraud.
To the extent Law permits, if User or an Issuing Authorized User allows another party to use the Card or Personal Data for any purpose, User is responsible for that use, including all losses, damages, costs, fines, fees, or penalties related to that use. To the extent Law permits, Stripe is not liable for any losses, damages, costs, fines, fees, or penalties related to (x) unauthorized access to or use of a Card or User’s Stripe Issuing Account; or (y) User’s failure to use or implement anti-fraud measures, security controls or any other data security measures.
Qualifications & exceptions
Each allocation applies 'to the extent Law permits'.
Legal Rights & Agreement Rules · Restriction or exception
Stripe is not liable for losses from delay or failure in actioning a Card Transaction request
Stripe is not liable to the User, Stripe Issuing Administrators or Issuing Authorized Users for losses, damages, costs, fines, fees or penalties they sustain because of a delay or failure in actioning a Card Transaction request.
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Disclaimer of Liability.
Stripe is not liable to User, Stripe Issuing Administrators or Issuing Authorized Users for any losses, damages, costs, fines, fees, or penalties sustained by User, Stripe Issuing Administrators or Issuing Authorized Users due to delay or failure in actioning a Card Transaction request.
Qualifications & exceptions
The disclaimer covers delay or failure in actioning a Card Transaction request and is stated without any carve-out.
Not stated here
The terms do not say whether Law limits this disclaimer.
Section 14 begins the definitions. A 'Card' is a Card Network-branded payment card, physical or tokenized, encrypted or digitized, issued to a Stripe Issuing Accountholder for its business purposes in the Stripe Issuing Program. A 'Card Network' is a payment card network, including those of Visa, Mastercard, American Express and Discover, and 'Card Network Rules' are the Payment Method Rules a Card Network publishes. A 'Card Transaction' is a payment made with a Card or, if permitted, cash obtained at an ATM. A 'Card Transaction Limit' is the maximum amount available for Card Transactions on a Card. A 'Card Unauthorized Purpose' is a fraudulent or illegal purpose, a consumer, personal or household purpose, or any purpose unrelated to the Stripe Issuing Services. 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. The definitions continue in the next packet.
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14. Definitions.
“Card” means a Card Network-branded payment card (which may be a physical card or tokenized, encrypted, or digitized form of a physical card) issued to a Stripe Issuing Accountholder for the Stripe Issuing Accountholder’s business purposes in connection with the Stripe Issuing Program.
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
“Card Transaction” means a transaction to make a payment with a Card or, if permitted, to obtain cash at an automatic teller machine (ATM).
“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.
“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.
Legal Rights & Agreement Rules · Context
UK/EEA Issuing Platform terms (Sept 28, 2026) supplement the General Terms and govern your role as a Connect Platform
These Stripe Issuing Platform Terms for the United Kingdom and European Economic Area, last modified September 28, 2026, supplement the General Terms and, together with the Stripe Financial Services Terms and Stripe Connect Infrastructure Terms (both incorporated by reference), govern the User's participation in the Stripe Issuing Program as a Stripe Connect Platform. If the User receives Cards and otherwise participates as a Stripe Issuing Accountholder, the Stripe Issuing Accountholder Terms apply instead for that role. Capitalized terms not defined here take their meaning from the General Terms, Financial Services Terms and Connect Infrastructure Terms.
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Stripe Issuing—Platform (United Kingdom and European Economic Area)
Last modified: September 28, 2026
1. Stripe Issuing Services - Platform.
These terms (“Stripe Issuing Platform Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms, and Stripe Connect Infrastructure Terms each of which are incorporated into these terms by this reference, govern User’s participation in the Stripe Issuing Program as a Stripe Connect Platform. If User receives Cards and otherwise participates in the Stripe Issuing Program as a Stripe Issuing Accountholder, the Stripe Issuing Accountholder Terms apply. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms, Stripe Financial Services Terms, and Stripe Connect Infrastructure Terms.
Qualifications & exceptions
The accountholder role is governed by the Stripe Issuing Accountholder Terms, not these platform terms.
Not stated here
The General Terms and the Connect Infrastructure Terms are separate documents not supplied in this run.
Legal Rights & Agreement Rules · Restriction or exception
Comply, and ensure accountholders comply, with the Guidelines, Law and Card Network Rules, for business use only
The User must (a) comply, and ensure all accountholders comply, with the Stripe Issuing Program Guidelines; (b) ensure accountholders and their Issuing Authorized Users comply with the Accountholder Terms and use the services according to Law and the Card Network Rules; (c) not take or fail to take, and ensure accountholders and Issuing Authorized Users do not take or fail to take, any action that could cause Stripe or its Affiliates to violate Law or Card Network Rules; and (d) ensure accountholders and Issuing Authorized Users use the services for business purposes only.
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8. Compliance and Marketing.
8.1 General.
User must:
(a) comply with, and ensure all Stripe Issuing Accountholders comply with, the Stripe Issuing Program Guidelines;
(b) ensure that all Stripe Issuing Accountholders and their Issuing Authorized Users comply with the Stripe Issuing Accountholder Terms, and access and use the Stripe Issuing Accountholder Services according to Law and the Card Network Rules;
(c) not, and must ensure that Stripe Issuing Accountholders and Issuing Authorized Users do not, take or fail to take any action that could cause Stripe or any of its Affiliates to violate Law or any Card Network Rules; and
(d) ensure that Stripe Issuing Accountholders and Issuing Authorized Users use the Stripe Issuing Accountholder Services for business purposes only.
Qualifications & exceptions
The duties extend to accountholders and their Issuing Authorized Users.
Legal Rights & Agreement Rules · Restriction or exception
You are responsible, to the extent Law permits, for Card use by others or by unauthorized persons
To the extent Law permits, if the User, an accountholder or an Issuing Authorized User lets another party use a Card or Personal Data for any purpose, or if an unauthorized person uses a Card or Personal Data, the User is responsible for that use, including all losses, damages, costs, fines, fees or penalties related to it.
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10.3 Responsibility for Card Transactions.
To the extent Law permits, if User, a Stripe Issuing Accountholder or an Issuing Authorized User allows another party to use the Card or Personal Data for any purpose, or if an unauthorized person uses a Card or Personal Data, User is responsible for that use, including all losses, damages, costs, fines, fees, or penalties related to that use.
Qualifications & exceptions
The allocation applies 'to the extent Law permits'.
It covers use by unauthorized persons as well as permitted third parties.
Legal Rights & Agreement Rules · Restriction or exception
You indemnify the Stripe Parties for accountholder and cardholder conduct and all unauthorized Card Transactions
The User will indemnify the Stripe Parties against all Stripe Losses arising out of or relating to (a) accountholders' and Issuing Authorized Users' use of the Accountholder Services, including any act or omission related to them, and (b) all unauthorized Card Transactions. 'Stripe Losses' means all amounts awarded to the third party making a Claim, and all penalties, fines and third-party costs, including legal fees, paid by the Stripe Parties.
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13. Indemnification.
User will indemnify the Stripe Parties against all Stripe Losses arising out of or relating to (a) the Stripe Issuing Accountholders’ and Issuing Authorized Users’ use of the Stripe Issuing Accountholder Services, including any Stripe Issuing Accountholder’s or Issuing Authorized User’s act or omission related to the Stripe Issuing Accountholder Services; and (b) all unauthorized Card Transactions.
“Stripe Losses” means all amounts awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Stripe Parties.
Qualifications & exceptions
The indemnity covers all unauthorized Card Transactions, not only those the User caused.
Legal Rights & Agreement Rules · Restriction or exception
Stripe is also not liable for losses from delay or failure in servicing a Card Transaction request
In addition to the liability provisions in the Agreement, Stripe is not liable to the User, accountholders, Stripe Issuing Administrators or Issuing Authorized Users for losses, damages, costs, fines, fees or penalties related to delay or failure in servicing a Card Transaction request.
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14. Liability.
14.1 Stripe Liability.
In addition to liability provisions in the Agreement, Stripe is not liable to User, Stripe Issuing Accountholder, Stripe Issuing Administrators or Issuing Authorized Users for any losses, damages, costs, fines, fees, or penalties incurred by User or any Stripe Issuing Accountholders, Stripe Issuing Administrators or Issuing Authorized Users related to delay or failure in servicing a Card Transaction request.
Qualifications & exceptions
This disclaimer is stated in addition to the Agreement's other liability provisions.
Legal Rights & Agreement Rules · Context
Definitions: Card, Card Network and Rules, Card Transaction, Unauthorized Purpose, Connected Account, Disputes Form
Section 15 begins the definitions. A 'Card' is a Card Network-branded payment card, physical or tokenized, encrypted or digitized, issued to an accountholder for its business purposes in the Stripe Issuing Program. A 'Card Network' is a payment card network including those of Visa, Mastercard, American Express and Discover, and 'Card Network Rules' are the Payment Method Rules a Card Network publishes. A 'Card Transaction' is a payment made with a Card or, if permitted, cash obtained at an ATM. A 'Card Unauthorized Purpose' is a fraudulent or illegal purpose, a consumer, personal or household purpose, or a purpose unrelated to the Stripe Issuing Services. A 'Connected Account' is a Platform User with a Stripe Account onboarded to a Stripe Connect Platform, or a Payout Recipient, and the 'Connected Account Agreement' is Stripe's agreement for Connected Accounts other than Payout Recipients, found on the Stripe Legal Page for the account's jurisdiction. The 'Disputes API Form' is an electronic form that lets the User and its Connected Account submit Card Transaction disputes to Stripe. The definitions continue in the next packet.
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15. Definitions.
“Card” means a Card Network-branded payment card (which may be a physical card or tokenized, encrypted, or digitized form of a physical card) issued to a Stripe Issuing Accountholder for the Stripe Issuing Accountholder’s business purposes in connection with the Stripe Issuing Program.
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
“Card Transaction” means a transaction to make a payment with a Card or, if permitted, to obtain cash at an automatic teller machine (ATM).
“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.
“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.
“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.
“Disputes API Form” means an electronic form that enables User and User’s Connected Account to submit disputed Card Transaction disputes to Stripe.
Legal Rights & Agreement Rules · Context
Definitions: Authorized User, Complaint, Principal Owner, SPUKL, STEL, Guidelines, Stripe Losses, User Materials
These definitions finish Section 15. An 'Issuing Authorized User' is an individual an accountholder authorizes to use a Card on its behalf, such as an employee, contractor or representative. An 'Issuing Complaint' is any expression of dissatisfaction with a product, service, policy or employee related to a Stripe Issuing Program. 'Platform Services' are the products and services Platform Users receive from a Stripe Connect Platform, whether or not fees are charged. A 'Principal Owner' is an individual who directly or indirectly owns at least 25% of the equity of a legal entity. 'SPUKL' is Stripe Payments UK Ltd and 'STEL' is Stripe Technology Europe, Limited. A 'Stripe Issuing Account' is the account Stripe or an Affiliate maintains for an accountholder, with its subaccounts; a 'Stripe Issuing Accountholder' is a business or organization that finished onboarding and was approved; the 'Accountholder Services' include program access and Card spend management; a 'Stripe Issuing Administrator' is the individual an accountholder appoints to manage its participation. The 'Stripe Issuing Platform Services' let the User co-market the Accountholder Services to its Platform Users and provide access to them for accountholders, and the 'Stripe Issuing Program' is the Card issuing program and related services with the Accountholder Services. The 'Stripe Issuing Program Guidelines' are the product design, marketing, compliance, reporting and other guidelines and requirements Stripe and its Affiliates set for the Issuing Services and Platform Services, including the Stripe Issuing marketing guidelines and the Stripe Issuing section of the Documentation, as updated from time to time. 'Stripe Losses' are amounts awarded to a third party making a Claim plus penalties, fines and third-party costs, including legal fees, paid by the Stripe Parties. 'User Materials' are the Marks or other materials the User or an accountholder wants on Cards, and other materials the User gives Stripe for the program.
Supporting quotations
“Issuing Authorized User” means an individual a Stripe Issuing Accountholder authorizes to use a Card to make Card Transactions on the Stripe Issuing Accountholder’s behalf (e.g., the Stripe Issuing Accountholder’s employee, independent contractor or representative designated as an authorized user).
“Issuing Complaint” means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program.
“Platform Services” means the products and services that Platform Users receive from a Stripe Connect Platform, regardless of whether fees are charged (e.g., web development, customer support or hosting services).
“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.
“SPUKL” means Stripe Payments UK Ltd.
“STEL” means Stripe Technology Europe, Limited.
“Stripe Issuing Account” means the account Stripe or a Stripe Affiliate maintains for a Stripe Issuing Accountholder, and each subaccount to that account.
“Stripe Issuing Accountholder” means a business or organization that has successfully completed the onboarding requirements described in the Stripe Issuing Accountholder Terms and been approved for a Stripe Issuing Account.
“Stripe Issuing Accountholder Services” means Services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, including (a) providing Stripe Issuing Accountholders with access to the Stripe Issuing Program; (b) enabling Stripe Issuing Accountholders to manage Card spend, and (c) other services described in the Stripe Issuing Accountholder Terms.
“Stripe Issuing Administrator” means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Program.
“Stripe Issuing Platform Services” means the Services that allow User to co-market the Stripe Issuing Accountholder Services to User’s Platform Users and provide access to the Stripe Issuing Accountholder Services to Stripe Issuing Accountholders.
“Stripe Issuing Program” means a Card issuing program and services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, together with the Stripe Issuing Accountholder 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 and Stripe Issuing Platform Services, including Stripe Issuing marketing guidelines and the Stripe Issuing section of the Documentation, as updated from time to time.
“Stripe Issuing Services” means the Stripe Issuing Accountholder Services and Stripe Issuing Platform Services.
“Stripe Losses” means all amounts awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Stripe Parties.
“User Materials” means (a) all Marks or other materials that User or a Stripe Issuing Accountholder wish to place on Cards; or (b) all other materials that User provides to Stripe for the purposes of the Stripe Issuing Programs.
Qualifications & exceptions
The Program Guidelines can be updated by Stripe and its Affiliates from time to time.
Not stated here
The Guidelines and the Documentation section are not part of this document.
Legal Rights & Agreement Rules · Context
US Issuing Accountholder terms (Sept 28, 2026) supplement the General Terms and incorporate the Financial Services Terms
These Stripe Issuing Accountholder Terms for the United States, last modified September 28, 2026, supplement the General Terms and, together with the Stripe Financial Services Terms incorporated by reference, govern the User's use of the Stripe Issuing Accountholder Services. Capitalized terms not defined here take their meaning from the General Terms, the Financial Services Terms and the Financial Provider Terms.
Supporting quotations
Stripe Issuing—Accountholder (United States)
Last modified: September 28, 2026
These terms (“Stripe Issuing Accountholder Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms which are incorporated into these terms by this reference, govern User’s use of the Stripe Issuing Accountholder Services. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms, and the Stripe Financial Services Terms, and the Financial Provider Terms.
Not stated here
The General Terms, Financial Services Terms and Financial Provider Terms are separate documents not supplied in this run.
Legal Rights & Agreement Rules · Restriction or exception
You must agree to the Issuing Bank Terms for your program, and they prevail over this Agreement in a conflict
Stripe offers several Stripe Issuing Programs in partnership with several Issuing Banks. When the User signs up, Stripe, or the User's Platform Provider if applicable, presents the Issuing Bank Terms for the User's program, which the User must agree to in order to use the Accountholder Services. The User can see a description of its program and the applicable Issuing Bank Terms in its Stripe Dashboard. To the extent the Issuing Bank Terms conflict with the Agreement, the Issuing Bank Terms prevail. An 'Issuing Bank' is the Financial Provider, named in the Issuing Bank Terms for the program, that issues a Card, and 'Issuing Bank Terms' are that bank's Financial Provider Terms governing the User's participation.
Supporting quotations
1. Relationship to Issuing Bank Terms.
Stripe offers several Stripe Issuing Programs in partnership with several Issuing Banks. When User signs up to use the Stripe Issuing Accountholder Services, Stripe (or, if applicable, User’s Platform Provider) will present the applicable Issuing Bank Terms for User’s Stripe Issuing Program. To use the Stripe Issuing Accountholder Services, User must agree to these Issuing Bank Terms. User can view a description of User’s Stripe Issuing Program and access the applicable Issuing Bank Terms in User’s Stripe Dashboard. To the extent that there is a conflict between the Issuing Bank Terms and this Agreement, the Issuing Bank Terms will prevail.
“Issuing Bank” means the Financial Provider, identified in the Issuing Bank Terms for the applicable Stripe Issuing Program, that issues a Card.
“Issuing Bank Terms” means the applicable Issuing Bank’s Financial Provider Terms that govern User’s participation in the applicable Stripe Issuing Program.
Qualifications & exceptions
Agreement to the Issuing Bank Terms is a condition of using the Accountholder Services.
Not stated here
The Issuing Bank Terms themselves are presented in the Stripe Dashboard and are not supplied here.
Legal Rights & Agreement Rules · Context
Definitions: Available Spend, Card, Card Transaction, Authorized User, Payment Source mean what bank terms say
Section 8 sets out the definitions. 'Available Spend', 'Card', 'Card Transaction', 'Issuing Authorized User' and 'Payment Source' each have the meaning given in the applicable Issuing Bank Terms, so their content is not stated in this document.
Supporting quotations
8. Definitions.
“Available Spend” has the meaning given to it in the applicable Issuing Bank Terms.
“Card” has the meaning given to it in the applicable Issuing Bank Terms.
“Card Transaction” has the meaning given in the applicable Issuing Bank Terms.
“Issuing Authorized User” has the meaning given to it in the applicable Issuing Bank Terms.
“Payment Source” has the meaning given to it in the applicable Issuing Bank Terms.
Qualifications & exceptions
These terms have no meaning here except by reference to the Issuing Bank Terms.
Not stated here
The Issuing Bank Terms are not supplied, so the content of these definitions is unknown here.
A 'Card Network' is a payment card network including those of Visa, Mastercard, American Express and Discover, and 'Card Network Rules' are the Payment Method Rules a Card Network publishes. 'FCRA' means the Fair Credit Reporting Act and the Equal Credit Opportunity Act, 15 U.S.C. Section 1681 et seq., external statutes referenced by name. An 'Issuing Bank' is the Financial Provider that issues a Card, named in the Issuing Bank Terms, which are that bank's Financial Provider Terms governing the User's participation. An 'Issuing Complaint' is any expression of dissatisfaction with a product, service, policy or employee related to a Stripe Issuing Program. A 'Platform Provider' is the platform that gives the User access to the program. 'SPC' is Stripe Payments Company, a Stripe Affiliate. The 'Stripe Issuing Account' is the account an Issuing Bank maintains for an accountholder, with its subaccounts, and a 'Stripe Issuing Accountholder' is a business or organization that finished onboarding and was approved for one. The 'Accountholder Services' are Services Stripe and its Affiliates make available on behalf of Issuing Banks, including integration with Issuing Banks, access to Cards and Card spend management. A 'Stripe Issuing Administrator' is the individual an accountholder appoints to manage its participation, and the 'Stripe Issuing Program' is the Card issuing services the Issuing Bank provides under its terms together with the Accountholder Services. A 'Supported Currency' is a currency Stripe communicates as supported, and 'User Materials' are the Marks or other materials the User or accountholder wants on Cards and other materials the User gives Stripe for the program.
Supporting quotations
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
“FCRA” means Fair Credit Reporting Act, 15 U.S.C. Section 1681, et seq. and Equal Credit Opportunity Act, 15 U.S.C. Section 1681, et seq.
“Issuing Bank” means the Financial Provider, identified in the Issuing Bank Terms for the applicable Stripe Issuing Program, that issues a Card.
“Issuing Bank Terms” means the applicable Issuing Bank’s Financial Provider Terms that govern User’s participation in the applicable Stripe Issuing Program.
“Issuing Complaint” means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program.
“Platform Provider” means the platform that gives User access to the Stripe Issuing Program (if User is a Connected Account or if User otherwise accesses the Stripe Issuing Program through a platform).
“SPC” means Stripe Payments Company, which is a Stripe Affiliate.
“Stripe Issuing Account” means the account an Issuing Bank maintains for a Stripe Issuing Accountholder, and each subaccount to that account.
“Stripe Issuing Accountholder” means a business or organization that has successfully completed the onboarding requirements described in these Stripe Issuing Accountholder Terms and been approved for a Stripe Issuing Account.
“Stripe Issuing Accountholder Services” means Services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, on behalf of Issuing Banks, and related Stripe services, including (a) integration with Issuing Banks; (b) providing Stripe Issuing Accountholders with access to Cards; (c) enabling Stripe Issuing Accountholders to manage Card spend; and (d) other services described in the Stripe Issuing Accountholder Terms.
“Stripe Issuing Administrator” means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Programs.
“Stripe Issuing Program” means Card issuing services that the applicable Issuing Bank provides under the applicable Issuing Bank Terms, together with the Stripe Issuing Accountholder Services.
“Supported Currency” means a currency supported under the Stripe Issuing Accountholder Services as communicated to User by Stripe.
“User Materials” means (a) all Marks or other materials that User or a Stripe Issuing Accountholder wish to place on Cards; or (b) all other materials that User provides to Stripe for the purposes of the Stripe Issuing Programs.
Qualifications & exceptions
The FCRA citation is to an external statute; its text is not part of this document.
Legal Rights & Agreement Rules · Context
US Issuing Platform terms (Sept 28, 2026) supplement the General Terms and govern your role as a Connect Platform
These Stripe Issuing Platform Terms for the United States, last modified September 28, 2026, supplement the General Terms and, together with the Stripe Financial Services Terms and Stripe Connect Infrastructure Terms (each incorporated by reference), govern the User's participation in the Stripe Issuing Programs as a Stripe Connect Platform. If the User receives Cards and otherwise participates as a Stripe Issuing Accountholder, the Stripe Issuing Accountholder Terms apply for that role. Capitalized terms not defined here take their meaning from the General Terms, Financial Services Terms, Financial Provider Terms and Connect Infrastructure Terms.
Supporting quotations
Stripe Issuing—Platform (United States)
Last modified: September 28, 2026
1. Stripe Issuing Services.
These terms (“Stripe Issuing Platform Terms”) supplement the General Terms and, together with the Stripe Financial Services Terms, and Stripe Connect Infrastructure Terms each of which are incorporated into these terms by this reference, govern User’s participation in the Stripe Issuing Programs as a Stripe Connect Platform. If User receives Cards and otherwise participates in the Stripe Issuing Programs as a Stripe Issuing Accountholder, the Stripe Issuing Accountholder Terms apply. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms, Stripe Financial Services Terms, Financial Provider Terms, and Stripe Connect Infrastructure Terms.
Qualifications & exceptions
The accountholder role is governed by the Accountholder Terms, not these platform terms.
Not stated here
The General Terms, Financial Provider Terms and Connect Infrastructure Terms are separate documents not supplied in this run.
Legal Rights & Agreement Rules · Restriction or exception
Comply, and ensure accountholders comply, with the Guidelines, Card Program Terms, bank terms, Law and Network Rules
The User must (a) comply, and ensure all accountholders comply, with the Stripe Issuing Program Guidelines; (b) ensure all accountholders comply with the Card Program Terms and the applicable Issuing Bank Terms and use the Accountholder Services according to Law and the Card Network Rules; and, in the next packet, further duties follow.
Supporting quotations
9. Compliance and Marketing.
9.1 General.
User must:
(a) comply with, and ensure all Stripe Issuing Accountholders comply with, the Stripe Issuing Program Guidelines;
(b) ensure that all Stripe Issuing Accountholders comply with the Card Program Terms and applicable Issuing Bank Terms, and access and use the Stripe Issuing Accountholder Services according to Law and the Card Network Rules;
Qualifications & exceptions
The list of compliance duties continues in the next packet.
Not stated here
The Card Program Terms and Guidelines are not part of this document.
Legal Rights & Agreement Rules · Restriction or exception
More duties: Authorized User Terms, no Law violations, compliant fees, and business use only
The User must also (c) ensure all Issuing Authorized Users comply with the Issuing Authorized User Terms; (d) not take or fail to take, and ensure accountholders and Issuing Authorized Users do not take or fail to take, any action that could cause Stripe or any Issuing Bank to violate Law or Card Network Rules; (e) ensure the fees it charges its Connected Accounts comply with the Issuing Bank's requirements, Card Network Rules and Law; and (f) ensure accountholders and Issuing Authorized Users use the Accountholder Services for business purposes only.
Supporting quotations
(c) ensure that all Issuing Authorized Users comply with the Issuing Authorized User Terms;
(d) not, and must ensure that Stripe Issuing Accountholders and Issuing Authorized Users do not, take or fail to take any action that could cause Stripe or any Issuing Bank to violate Law or any Card Network Rules;
(e) ensure the fees User charges User’s Connected Accounts comply with the Issuing Bank’s requirements, the Card Network Rules, and Law; and
(f) ensure that Stripe Issuing Accountholders and Issuing Authorized Users use the Stripe Issuing Accountholder Services for business purposes only.
Qualifications & exceptions
These duties continue the list begun in the previous packet.
Legal Rights & Agreement Rules · Restriction or exception
You bear fees, penalties and losses from lax safeguarding, late reporting, sharing a Card or unauthorized use
The User is responsible for all fees and penalties resulting from an accountholder's or Issuing Authorized User's failure to exercise reasonable care in safeguarding Cards from loss or theft or to promptly report loss, theft or fraud. To the extent Law permits, if the User, an accountholder or an Issuing Authorized User lets another party use a Card or Personal Data for any purpose, or if an unauthorized person uses a Card or Personal Data, the User is responsible for that use, including all losses, damages, costs, fines, fees or penalties related to it.
Supporting quotations
10.3 Responsibility for Card Transactions.
User is responsible for all fees and penalties incurred resulting from a Stripe Issuing Accountholder or Issuing Authorized User’s failure to (a) exercise reasonable care in safeguarding Cards from loss or theft, or (b) promptly report loss or theft, including fraud. Additionally, to the extent Law permits, if User, a Stripe Issuing Accountholder or an Issuing Authorized User allows another party to use the Card or Personal Data for any purpose, or if an unauthorized person uses a Card or Personal Data, User is responsible for that use, including all losses, damages, costs, fines, fees, or penalties related to that use.
Qualifications & exceptions
The second allocation applies 'to the extent Law permits'.
Legal Rights & Agreement Rules · Restriction or exception
You indemnify Stripe for accountholders' use of the card services and for all unauthorized or disputed Card Transactions
The User will indemnify the Stripe Parties against all Stripe Losses arising from (a) accountholders' and authorized users' use of the Stripe Issuing Accountholder Services, including their acts or omissions, and (b) all unauthorized or disputed Card Transactions. Stripe Losses are the amounts awarded to a third party making a Claim, plus penalties, fines and third-party costs, including legal fees, that the Stripe Parties pay.
Supporting quotations
13. Indemnification.
User will indemnify the Stripe Parties against all Stripe Losses arising out of or relating to (a) the Stripe Issuing Accountholders’ and Issuing Authorized Users’ use of the Stripe Issuing Accountholder Services, including any Stripe Issuing Accountholder’s or Issuing Authorized User’s act or omission related to the Stripe Issuing Accountholder Services; and (b) all unauthorized or disputed Card Transactions.
“Stripe Losses” means all amounts awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Stripe Parties.
Qualifications & exceptions
Covers both accountholders' own acts or omissions and unauthorized or disputed Card Transactions.
Not stated here
Whether any cap applies is not stated in this clause.
Legal Rights & Agreement Rules · Permission or license
Stripe may act if you charge improper fees, have excessive fraud, fail to cancel cards, miss PCI or breach rules
Stripe may use the remedies in Section 14.3 if it determines that a User Entity (a) charges accountholders unauthorized or noncompliant fees, (b) has excessive unauthorized Card Transactions, (c) fails to cancel a lost, stolen or fraud-reported Card as required, (g) has breached or is likely to breach, or is likely to cause Stripe to breach, this Agreement, another Stripe services agreement or the applicable Financial Provider Terms, (h) has violated or is likely to violate Law or Financial Provider Terms, (i) has caused or is likely to cause Stripe to violate them, or (n) fails, or its service providers fail, to meet PCI Standards. Several triggers apply to likely future conduct, and the decision is Stripe's.
Supporting quotations
14.1 Stripe Remedies - Specific Triggers.
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe may exercise any one or more of the remedies stated in Section 14.3 of these Stripe Issuing Platform Terms if Stripe determines that a User Entity:
(a) is charging Stripe Issuing Accountholders for unauthorized or noncompliant fees in connection with the Stripe Issuing Platform Services;
(b) has experienced excessive unauthorized Card Transactions;
(c) fails to immediately cancel a lost or stolen Card, or fails to cancel a Card with reported fraudulent or unauthorized transactions in the manner described in the Issuing Bank Terms;
(g) has breached or is likely to breach, or has caused or is likely to cause Stripe to breach, this Agreement (or any other Stripe services agreement with a Stripe Entity) or the Financial Provider Terms applicable to the User Entity’s use of the Services;
(h) has violated or is likely to violate Law or Financial Provider Terms;
(i) has caused or is likely to cause Stripe to violate Law or Financial Provider Terms;
(n) fails, or its service providers fail, to comply with PCI Standards.
Qualifications & exceptions
Each trigger depends on Stripe's own determination.
Several triggers apply when conduct is merely likely, not yet occurred.
Remedies are in addition to Stripe's other rights.
Not stated here
The terms do not define how many unauthorized transactions count as excessive.
Legal Rights & Agreement Rules · Permission or license
Stripe may act if you face insolvency, owe Stripe, change control or business model, or present unacceptable risk
Stripe may use the remedies in Section 14.3 if it determines that a User Entity (d) is or is likely to become subject to an Insolvency Event, (e) has a negative Stripe Account Balance or owes liability to Stripe or its Affiliates, (f) has experienced or is likely to experience a deterioration in business or financial condition Stripe considers material, (j) has experienced or is likely to experience a Change of Control, (k) has changed its business model without Stripe's prior consent, exposing Stripe to increased risk, (l) has acted or traded in a way that presents an unacceptable risk, or (m) is required to indemnify Stripe under the Agreement.
Supporting quotations
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe may exercise any one or more of the remedies stated in Section 14.3 of these Stripe Issuing Platform Terms if Stripe determines that a User Entity:
(d) is or is likely to become the subject of an Insolvency Event;
(e) has a negative Stripe Account Balance, or owe liability to Stripe or any of its Affiliates;
(f) has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material;
(j) has experienced or is likely to experience a Change of Control;
(k) has, without Stripe’s prior consent, changed its business model (including services supplied by a User Entity to its customers), exposing Stripe to increased risk;
(l) has acted in a manner or engaged in business, trading practice or other activity that presents an unacceptable risk;
(m) is required to indemnify Stripe under this Agreement; or
Qualifications & exceptions
Each trigger depends on Stripe's own determination.
Several triggers apply when the event is merely likely, not yet occurred.
A business model change triggers only if made without Stripe's prior consent and it increases Stripe's risk.
Not stated here
What counts as an unacceptable risk is not defined in this clause.
Legal Rights & Agreement Rules · Permission or license
Stripe may also use those remedies if it expects post-termination losses, or if Law requires
Stripe may also use the Section 14.3 remedies if it reasonably determines it may incur losses from credit, fraud, criminal activity or other risks associated with a User Entity after the Issuing Platform Terms end, or if Law requires.
Supporting quotations
14.2 Stripe Remedies - General Trigger.
Without limiting Stripe’s other rights or remedies under this Agreement, Stripe also may exercise any or all of the remedies stated in Section 14.3 of these Stripe Issuing Platform Terms if (a) Stripe reasonably determines that Stripe may incur losses resulting from credit, fraud, criminal activity or other risks associated with a User Entity after these Stripe Issuing Platform Terms terminate; or (b) Law requires.
Qualifications & exceptions
Stripe's determination must be reasonable.
Legal Rights & Agreement Rules · Context
Several card terms are defined only by reference to the Issuing Bank's own terms
“Card”, “Card Program Terms”, “Card Transaction”, “Issuing Authorized User” and “Issuing Authorized User Terms” are not defined in this document: each has the meaning given in the applicable Issuing Bank Terms, which are the Issuing Bank's own Financial Provider Terms governing the User's participation in the Stripe Issuing Program. Those bank terms are not part of this saved document.
Supporting quotations
“Card” has the meaning given to it in the applicable Issuing Bank Terms.
“Card Program Terms” has the meaning given to it in the applicable Issuing Bank Terms.
“Card Transaction” has the meaning given in the applicable Issuing Bank Terms.
“Issuing Authorized User” has the meaning given to it in the applicable Issuing Bank Terms.
“Issuing Authorized User Terms” has the meaning given to it in the applicable Issuing Bank Terms.
“Issuing Bank Terms” means the applicable Issuing Bank’s Financial Provider Terms that govern User’s participation in the applicable Stripe Issuing Program.
Qualifications & exceptions
The meaning depends on the applicable Issuing Bank Terms.
Not stated here
The Issuing Bank Terms are not supplied, so these five terms' full meaning is unknown from this document.
Legal Rights & Agreement Rules · Context
Definitions: the Issuing Bank, the Issuing Program, the accountholder and the platform and accountholder services
The Issuing Bank is the Financial Provider named in the Issuing Bank Terms that issues a Card. The Stripe Issuing Program is the card issuing program and services Stripe and its Affiliates make available to accountholders through the Issuing Bank. A Stripe Issuing Accountholder is a business or organization approved for a Stripe Issuing Account after onboarding, and the Stripe Issuing Account is the account an Issuing Bank maintains for it, including each subaccount. Stripe Issuing Platform Services let the User co-market the accountholder services to its Platform Users and give accountholders access to them; Stripe Issuing Accountholder Services are what Stripe and its Affiliates provide to accountholders on behalf of Issuing Banks (bank integration, Card access, spend management and other services). Stripe Issuing Services covers both. The Administrator is the individual an accountholder appoints to manage its participation, and SPC is Stripe Payments Company, a Stripe Affiliate.
Supporting quotations
“Issuing Bank” means the Financial Provider, identified in the Issuing Bank Terms for the applicable Stripe Issuing Program, that issues a Card.
“Stripe Issuing Administrator” or “Administrator” means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Program.
“Stripe Issuing Program” means a Card issuing program and services that Stripe and its Affiliates, via Issuing Bank, make available to Stripe Issuing Accountholders, together with the Stripe Issuing Accountholder Services.
“Stripe Issuing Platform Services” means the Services that allow User to co-market the Stripe Issuing Accountholder Services to User’s Platform Users and provide access to the Stripe Issuing Accountholder Services to Stripe Issuing Accountholders.
“Stripe Issuing Services” means the Stripe Issuing Accountholder Services and Stripe Issuing Platform Services.
“SPC” means Stripe Payments Company, which is a Stripe Affiliate.
“Stripe Issuing Account” means the account an Issuing Bank maintains for a Stripe Issuing Accountholder, and each subaccount to that account.
“Stripe Issuing Accountholder” means a business or organization that has successfully completed the onboarding requirements described in the Stripe Issuing Accountholder Terms and been approved for a Stripe Issuing Account.
“Stripe Issuing Accountholder Services” means Services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, on behalf of Issuing Banks, and related Stripe services, including (a) integration with Issuing Banks; (b) providing Stripe Issuing Accountholders with access to Cards; (c) enabling Stripe Issuing Accountholders to manage Card spend; and (d) other services described in the Stripe Issuing Accountholder Terms.
Legal Rights & Agreement Rules · Context
Definitions: Card Network (Visa, Mastercard, American Express, Discover) and Card Network Rules
A Card Network is a payment card network, including those run by Visa, Mastercard, American Express and Discover. Card Network Rules are the Payment Method Rules a Card Network publishes. The word “including” means the list of networks is not exhaustive.
Supporting quotations
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
Qualifications & exceptions
The named networks are examples, not a complete list.
Not stated here
The Card Network Rules themselves are published by the networks and are not in this document.
Legal Rights & Agreement Rules · Context
Definitions: Connected Account, Platform Services and Principal Owner (25% or more equity)
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. Platform Services are the products and services Platform Users receive from a Stripe Connect Platform, whether or not fees are charged (for example web development, customer support or hosting). 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.
Supporting quotations
“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.
“Platform Services” means the products and services that Platform Users receive from a Stripe Connect Platform, regardless of whether fees are charged (e.g., web development, customer support or hosting services).
“Principal Owner” means, with respect to a legal entity, an individual who directly or indirectly, through any contract, arrangement, understanding, relationship, or otherwise, owns at least 25% of the equity interests of the legal entity.
Qualifications & exceptions
Principal Owner counts indirect ownership as well as direct.
Legal Rights & Agreement Rules · Context
Definitions: the Disputes API Form and what counts as an Issuing Complaint
The Disputes API Form is an electronic form that lets the User and its Connected Accounts submit Card Transaction disputes to Stripe. An Issuing Complaint is any expression of dissatisfaction with a product, service, policy or employee related to a Stripe Issuing Program, a deliberately broad definition.
Supporting quotations
“Disputes API Form” means an electronic form that enables User and User’s Connected Accounts to submit Card Transaction disputes to Stripe.
“Issuing Complaint” means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program.
Qualifications & exceptions
An Issuing Complaint needs no formal wording; any expression of dissatisfaction related to a Stripe Issuing Program counts.
Legal Rights & Agreement Rules · Context
Definitions: FCRA (two Acts, both cited as 15 U.S.C. Section 1681), IRS and Tax Information Report
“FCRA” is defined as the Fair Credit Reporting Act and the Equal Credit Opportunity Act, and the source cites the same “15 U.S.C. Section 1681, et seq.” for both. This explanation reports the citation as written and does not resolve the law. “IRS” means the Internal Revenue Service. A Tax Information Report is a required tax information return or report, including IRS Form 1099 or any similar form.
Supporting quotations
“FCRA” means Fair Credit Reporting Act, 15 U.S.C. Section 1681, et seq. and Equal Credit Opportunity Act, 15 U.S.C. Section 1681, et seq.
“IRS” means Internal Revenue Service.
“Tax Information Report” means a required tax information return or report, including IRS Form 1099, or any other similar form.
Qualifications & exceptions
The FCRA definition covers two named Acts but gives one identical citation for both, as written in the source.
Not stated here
The cited statute is not supplied; the repeated citation is left as written.
Legal Rights & Agreement Rules · Restriction or exception
You are solely responsible for your use and decisions; added rules may lengthen authorization times
The User is solely responsible for how it uses the Advanced Fraud Tools Services and Data and for the decisions and actions it takes in connection with them. The User also acknowledges that choosing to input and use additional rules with the services may lengthen authorization times for applicable Card Transaction Authorizations.
Supporting quotations
5. Responsibility for Decisions and Disclaimers.
5.1 Responsibility for Decisions.
(a) User is solely responsible for: User’s use of the Advanced Fraud Tools Services and Advanced Fraud Tools Data, as well as the decisions User makes and the actions User takes in connection with the Advanced Fraud Tools Services and Advanced Fraud Tools Data.
(b) User acknowledges that its choice to input and use additional rules with the Advanced Fraud Tools Services may result in longer authorization times for applicable Card Transaction Authorizations.
Qualifications & exceptions
Longer authorization times are a possibility tied to the User's choice to add rules.
Not stated here
The terms give no figure for how much longer authorizations may take.
Legal Rights & Agreement Rules · Restriction or exception
Fraud data is not advice and guarantees nothing; Stripe disclaims liability for fraud, blocked sales and score errors
The Advanced Fraud Tools Data is not legal or compliance advice, or advice on whether to go ahead with a transaction with another person. Using the services or data does not guarantee prevention of fraudulent Card Transaction Authorizations, compromised Cards, Card Testing Attacks or other fraud. Stripe is not liable for losses, damages or costs arising from (a) unauthorized transactions, compromised Cards, Card Testing Attacks and other fraud; (b) non-fraudulent transactions the services may block; or (c) the accuracy of the scores and other data, and any action the User or Stripe takes based on them.
Supporting quotations
(c) The Advanced Fraud Tools Data does not constitute legal or compliance advice, or advice as to whether User should proceed with a transaction with another person.
(d) User’s use of the Advanced Fraud Tools Services or the Advanced Fraud Tools Data does not guarantee the prevention of fraudulent Card Transaction Authorizations, compromised Cards, Card Testing Attacks, or other fraudulent activity. Stripe is not liable for any losses, damages, or costs arising out of or relating to (a) unauthorized transactions, compromised Cards, Card Testing Attacks, and other fraudulent activity; (b) non-fraudulent transactions that may be blocked by the Advanced Fraud Tools Services; or (c) the accuracy of the Authorization Risk Scores and other Advanced Fraud Tools Data, and any actions that User or Stripe may take based on the Authorization Risk Scores and other Advanced Fraud Tools Data.
Qualifications & exceptions
The liability disclaimer covers actions taken by either the User or Stripe based on the scores.
Not stated here
Whether other parts of the Agreement limit or restore any of these disclaimers is not stated here.
Legal Rights & Agreement Rules · Restriction or exception
You are solely responsible for keeping your Link use and AI systems compliant with Law and Card Network Rules
The User is solely responsible for ensuring that (a) its use of Link and the Link Agent Wallet Services complies with Law and Card Network Rules; (b) its AI Systems, meaning its artificial intelligence agents, services and systems including the User Agentic Agent, comply with Law, including law on developing, deploying and running AI systems; and (c) it puts in place the notices, safeguards, human oversight and documentation Law requires for those AI Systems.
Supporting quotations
2.5 Compliance. (a) General Compliance. User will, and is solely responsible for ensuring that (a) its use of Link and the Link Agent Wallet Services complies with Law and Card Network Rules; (b) its artificial intelligence agents, services, and systems, including User Agentic Agent (collectively, “AI Systems”), comply with Law, including those governing the development, deployment and operation of artificial intelligence systems; and (c) it implements required notices, safeguards, human oversight, and documentation with respect to its AI Systems as required by Law.
Qualifications & exceptions
The notices, safeguards, human oversight and documentation duty applies as Law requires.
Not stated here
The terms do not name which AI laws apply.
Legal Rights & Agreement Rules · Context
Definitions: Link (by reference to the Link Terms), Link Payment Method and Link End User Terms
“Link” is defined by the Link Terms on the Stripe Legal Page, which are not in this saved text. The Link Payment Method (Link PM) means presenting Link through a Stripe interface or APIs in the User's customer payment form so a Customer can pay with Link using supported payment methods, where the Transaction Payment Method type is identified as “Link”. The Link End User Terms are the published terms of service, data policies and other terms governing a Mutual End User's use of Link and Stripe's use of their Personal Data or information in connection with it.
Supporting quotations
“Link” is as defined in the Link Terms accessible from the Stripe Legal Page.
“Link Payment Method” or “Link PM” means presentment of Link via Stripe interface or Stripe APIs in the User’s customer payment form that allows a Customer to submit payment via Link using supported payment methods where the Transaction Payment Method type is identified as “Link”.
“Link End User Terms” means the terms of service, data policies, and other published terms and policies that govern a Mutual End User’s use of Link, and Stripe’s use of the Mutual End User’s Personal Data or information in connection therewith.
Not stated here
The Link Terms that define “Link” are not supplied.
Legal Rights & Agreement Rules · Context
Definitions: Card Network (Visa, Mastercard, American Express, Discover) and Card Network Rules
A Card Network is a payment card network, including those run by Visa, Mastercard, American Express and Discover; the named networks are examples, not a closed list. Card Network Rules are the Payment Method Rules a Card Network publishes.
Supporting quotations
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
Qualifications & exceptions
The named networks are examples, not a complete list.
Not stated here
The Card Network Rules themselves are published by the networks and are not in this document.
Legal Rights & Agreement Rules · Context
Managed Payments Terms add to four other term sets and control in a conflict (modified Sept. 28, 2026)
These Stripe Managed Payments Terms, last modified September 28, 2026, supplement the General Terms, Stripe Financial Services Terms, Stripe Payments Terms and Stripe Connect Terms, which they incorporate by reference, and together with the Documentation govern the User's use of the Stripe Managed Payments Service. If they conflict with the Financial Services, Payments or Connect Terms, the Managed Payments Terms control as applied to this Service. Capitalized terms not defined here take their meaning from those other terms.
Supporting quotations
Last modified: September 28, 2026
These terms (“Stripe Managed Payments Terms”) supplement the General Terms, the Stripe Financial Services Terms, the Stripe Payments Terms, the Stripe Connect Terms, each of which are incorporated into these Stripe Managed Payments Terms by this reference, and, together with the Documentation, govern User’s use of the Stripe Managed Payments Service. If the Stripe Managed Payments Terms conflict with the Financial Services Terms, the Stripe Payments Terms, or the Stripe Connect Terms, then the Stripe Managed Payments Terms control as applied to the Stripe Managed Payments Service.
Qualifications & exceptions
The Managed Payments Terms control over the Financial Services, Payments and Connect Terms only as applied to the Managed Payments Service.
Not stated here
The text names the General Terms as supplemented but states the priority rule only against three of the four incorporated term sets.
Legal Rights & Agreement Rules · Company practice
Your Managed Payments agreement is with Sold through Link, LLC, which may freely assign it to Affiliates
The Stripe Managed Payments Service is provided by Stripe's Affiliate Sold through Link, LLC (SMP), and these terms create an agreement between the User and SMP for using the Service. The User agrees that SMP may freely assign and transfer any of its rights or obligations under these terms to its Affiliates.
Supporting quotations
The Stripe Managed Payments Service is provided by Stripe’s Affiliate, Sold through Link, LLC (“SMP”). These Stripe Managed Payments Terms create an agreement between User and SMP for use of the Stripe Managed Payments Service. User agrees that SMP may freely assign and transfer any of its rights or obligations under these Stripe Managed Payments Terms to its Affiliates.
Qualifications & exceptions
The assignment right is SMP's only; the clause gives the User no matching right.
Not stated here
The terms give no notice or consent requirement for an assignment.
Legal Rights & Agreement Rules · Restriction or exception
A receipt SMP gives a Customer as your agent is binding on you
If SMP, acting as the User's agent, gives the Customer a receipt for a Transaction, that receipt is binding on the User.
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.
Qualifications & exceptions
Applies to receipts SMP provides in its capacity as the User's agent.
Not stated here
The terms do not say what a receipt may contain or how the User can correct one.
Legal Rights & Agreement Rules · Procedure
Tell Stripe within five days of tax authority correspondence and respond to the authority only after talking to Stripe
If the User receives correspondence from a Governmental Authority about SMP's Indirect Tax responsibilities under Section 4.1, the User must contact Stripe Support by the earlier of five calendar days after receipt or five business days before the response deadline. Stripe will endeavor to give the User information or supporting documents for the response, and the User must reasonably help Stripe review the matter. Stripe may require the User to ask the authority for an extension if the deadline is under five business days from Stripe's receipt. The User will respond to the authority only after discussing it with Stripe. A delay or failure to notify does not release Stripe from its Section 4.3 obligations, except to the extent Stripe was prejudiced.
Supporting quotations
4.3 Tax Authorities and Audits.
If User receives any correspondence from a Governmental Authority in connection with SMP’s Indirect Tax responsibilities as stated in Section 4.1 (Indirect Taxes Responsibility), User must (i) contact [Stripe Support](https://stripe.com/contact) by the earlier of (a) five calendar days after receipt of that correspondence or (b) five business days before the response deadline. After receipt of notification, Stripe will endeavor to provide User with information or supporting documentation to respond to the Government Authority and User must reasonably assist Stripe in its review of the matter. Stripe may require User to request an extension from a Governmental Authority if the response deadline is less than five business days from Stripe’s receipt of that correspondence. In any case, User will respond to the Government Authority only after engaging in discussion with Stripe. Any delay or failure to notify will not relieve Stripe of its obligations under this Section 4.3, except to the extent Stripe has been prejudiced by the delay or failure.
Qualifications & exceptions
The notice deadline is the earlier of two measures.
Stripe's obligations survive late notice except to the extent of prejudice to Stripe.
Not stated here
The terms do not describe what happens if the User responds to the authority without first talking to Stripe.
Legal Rights & Agreement Rules · Company practice
For Tax Information Reports you know the nature of the payments best; Stripe is not the Form 1042-S withholding agent
For any Tax Information Reports, the User acknowledges and agrees it is best placed to determine the nature of the payments made in connection with its use of the Service. Under US tax law, in connection with the User's use of the Service, Stripe and its Affiliates are not the withholding agent for Form 1042-S purposes.
Supporting quotations
For any Tax Information Reports, User acknowledges and agrees that User is in the best position to determine the nature of the payments made in connection with User’s use of the Stripe Managed Payments Service. With respect to US tax law, in connection with User’s use of the Stripe Managed Payments Service, Stripe and its Affiliates are not the withholding agent for Form 1042-S purposes.
Qualifications & exceptions
The Form 1042-S statement is about US tax law.
Legal Rights & Agreement Rules · Restriction or exception
You must give accurate tax information when reasonably asked, and failing to is a material breach
The User must give accurate information about its tax affairs when SMP or its Affiliates reasonably ask, and must promptly tell SMP if any information Stripe prepopulates is inaccurate or incomplete. The User's failure to provide accurate, complete or up-to-date information or documentation when these terms or the Documentation require it is a material breach of the Managed Payments Terms.
Supporting quotations
(b) User Information. User must provide accurate information regarding User’s tax affairs as SMP or its Affiliates reasonably request, and must promptly notify SMP if any information that Stripe prepopulates is inaccurate or incomplete.
User’s failure to provide accurate, complete, or up‑to‑date information or documentation when required by these Stripe Managed Payments Terms or the Documentation is a material breach of these Stripe Managed Payments Terms.
Qualifications & exceptions
Applies to information SMP reasonably requests and to prepopulated information.
Not stated here
The terms do not say what remedies follow from the material breach.
Legal Rights & Agreement Rules · Restriction or exception
Stripe gives no legal, tax or accounting advice and is not liable for your Products or added legal and tax liabilities
The User acknowledges that Stripe and its Affiliates, including SMP, do not provide legal, tax or accounting advice as part of the Service. The User remains fully responsible for, and the Stripe Parties are not liable for, any losses, damages, costs, fines, fees or penalties related to (a) the User's Products, defects in them, its sales of Products to Customers, or a Customer's use, misuse or inability to use them, and (b) any additional legal, regulatory or Tax liabilities arising from the User's use of the Service.
Supporting quotations
8. Disclaimers.
User acknowledges that Stripe and its Affiliates, including SMP, do not provide legal, tax, or accounting advice as part of the Stripe Managed Payments Service. User remains fully responsible for, and the Stripe Parties are not liable for, any losses, damages, costs, fines, fees, or penalties related to:
(a) User’s Products, defects with User’s Products, User’s sale of Products to Customers, or a Customer’s use, misuse, or inability to use User’s Products; and
(b) any additional legal, regulatory, or Tax liabilities arising from User’s use of the Stripe Managed Payments Service.
Qualifications & exceptions
The disclaimer covers both product-related losses and additional legal, regulatory or Tax liabilities.
Legal Rights & Agreement Rules · Restriction or exception
You defend and indemnify the Stripe Parties against Claims about your Products, sales and Customers' use of them
The User will defend the Stripe Parties against, and indemnify them for Stripe Losses arising out of, Claims relating to (a) the User's Products, including Claims that they infringe or misappropriate the third party's rights such as IP Rights, (b) the User's sale of Products to Customers, or (c) Customers' use, misuse or inability to use the Products. Customers count as third parties for Claims under this section or the General Terms. Stripe Losses are the amounts awarded to the third party making a Claim, plus penalties, fines and third-party costs, including legal fees, paid by the Stripe Parties.
Supporting quotations
9. Indemnification.
User will defend the Stripe Parties against, and indemnify the Stripe Parties for Stripe Losses arising out of, any Claims relating to (a) User’s Products (including any Claims that User’s Products infringe on or misappropriate the rights, including IP Rights, of the third party making the Claim), (b) User’s sale of Products to Customers, or (c) Customers’ use, misuse, or inability to use User’s Products. For clarity, Customers are third parties for purposes of Claims under this section or under the General Terms.
“Stripe Losses” means all amounts awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Stripe Parties.
Qualifications & exceptions
Includes a duty to defend as well as to indemnify.
Customers are third parties for Claims.
Not stated here
Whether any cap applies is not stated here.
Legal Rights & Agreement Rules · Context
Regional Terms apply to listed countries and prevail over the Managed Payments Terms in a conflict
The Regional Terms apply for the countries or regions listed below them, and if they conflict with the Managed Payments Terms the Regional Terms prevail. The first listed region is Australia: its Regional Terms apply for Users in Australia.
Supporting quotations
11. Regional Terms.
The following Regional Terms apply for the countries or regions below. If there is a conflict between the Stripe Managed Payments Terms and the Regional Terms, the Regional Terms prevail.
Australia.
The following Regional Terms apply for Users in Australia.
Qualifications & exceptions
The Regional Terms win in a conflict.
Not stated here
Terms for the other listed regions sit in later sections.
Legal Rights & Agreement Rules · User right or choice
Australia: Australian Consumer Law rights and guarantees that cannot be excluded are not excluded by this agreement
To the extent the User acquires goods or services from Stripe as a consumer within the meaning of the Australian Consumer Law, the User has rights and remedies, including consumer guarantee rights, that cannot be excluded, restricted or modified by agreement. Nothing in the Agreement excludes, restricts or modifies any implied condition, warranty or guarantee, or any right, remedy or liability under law, where doing so would contravene that law or make a term of the agreement void.
Supporting quotations
11.4 Disclaimers.
To the extent that User acquires goods or services from Stripe as a consumer within the meaning of the Australian Consumer Law as set out in the Competition and Consumer Act 2010 (Cth), User has certain rights and remedies (including consumer guarantee rights) that cannot be excluded, restricted or modified by agreement. Nothing in this Agreement operates to exclude, restrict or modify the application of any implied condition, warranty or guarantee, or the exercise of any right or remedy, or the imposition of any liability under law where to do so would: (a) contravene that law; or (b) cause any term of this agreement to be void.
Qualifications & exceptions
Applies only to the extent the User is a consumer within the meaning of the Australian Consumer Law.
Not stated here
Whether a business User counts as a consumer depends on the Australian Consumer Law, which is not supplied.
Legal Rights & Agreement Rules · Restriction or exception
Australia: no advice and no Stripe liability for your Products or added liabilities, except Stripe's fault
The User acknowledges Stripe and its Affiliates, including SMP, do not give legal, tax or accounting advice through the Service. Except to the extent a loss arises from Stripe's breach of the Agreement, negligence, fraud or willful misconduct, the User remains fully responsible for, and the Stripe Parties are not liable for, losses, damages, costs, fines, fees or penalties related to (a) the User's Products, their defects, its sales to Customers, or a Customer's use, misuse or inability to use them, and (b) additional legal, regulatory or Tax liabilities from using the Service. The base clause has no exception for Stripe's own fault.
Supporting quotations
User acknowledges that Stripe and its Affiliates, including SMP, do not provide legal, tax, or accounting advice as part of the Stripe Managed Payments Service. Except to the extent the loss arises out of Stripe’s breach of this Agreement, negligence, fraud or willful misconduct, User remains fully responsible for, and the Stripe Parties are not liable for, any losses, damages, costs, fines, fees, or penalties related to:
(a) User’s Products, defects with User’s Products, User’s sale of Products to Customers, or a Customer’s use, misuse, or inability to use User’s Products; and
(b) any additional legal, regulatory, or Tax liabilities arising from User’s use of the Stripe Managed Payments Service.
Qualifications & exceptions
The exception covers Stripe's breach of the Agreement, negligence, fraud or willful misconduct, to the extent the loss arises from them.
Legal Rights & Agreement Rules · Restriction or exception
Australia: your indemnity excludes Claims from Stripe's fault and extends to your fraud, gross negligence and breach
Except to the extent Claims arise from Stripe's breach of the Agreement, negligence, fraud or willful misconduct, the User will indemnify the Stripe Parties for Stripe Losses arising from Claims relating to (a) the User's Products, including infringement or misappropriation of third-party rights such as IP Rights, (b) its sales of Products to Customers, (c) Customers' use, misuse or inability to use the Products, (d) the User's fraud, gross negligence or willful misconduct related to the Service, or (e) the User's breach of these terms. Customers are third parties for Claims under Section 11.5. Compared with the base indemnity, this version does not mention a duty to defend and adds items (d) and (e).
Supporting quotations
11.5 Indemnification.
Except to the extent the Claims arise out of Stripe’s breach of this Agreement, negligence, fraud or willful misconduct, User will indemnify the Stripe Parties for Stripe Losses arising out of any Claims made relating to (a) User’s Products (including any Claims that User’s Products infringe on or misappropriate the rights, including IP Rights, of the third party making the Claim), (b) User’s sale of Products to Customers, (c) Customers’ use, misuse, or inability to use User’s Products, (d) User’s fraud, gross negligence, or willful misconduct related to use of the Stripe Managed Payments Service, or (e) User’s breach of these Stripe Managed Payments Terms. For clarity, Customers are third parties for purposes of Claims under this Section 11.5.
Qualifications & exceptions
The Stripe-fault exception applies to the extent Claims arise from Stripe's breach, negligence, fraud or willful misconduct.
Legal Rights & Agreement Rules · Restriction or exception
Malaysia: Stripe disclaims all warranties and statutory guarantees on the service to the maximum extent allowed
For Users in Malaysia, except where these terms expressly state a “warranty”, and to the maximum extent Law permits, Stripe and its Affiliates make no express or implied warranties or statutory guarantees about (a) the Managed Payments Service or (b) their performance under the terms, and disclaim them all.
Supporting quotations
Malaysia.
11.1 Disclaimers.
Except when expressly stated as a “warranty” in these Stripe Managed Payments Terms, to the maximum extent permitted by Law, Stripe and its Affiliates do not make any, and disclaim all, express and implied warranties and statutory guarantees with respect to (a) the Stripe Managed Payments Service, and (b) Stripe’s and its Affiliates’ performance under these Stripe Managed Payments Service Terms.
Qualifications & exceptions
Disclaimer is to the maximum extent Law permits.
Does not apply where the terms expressly state a “warranty”.
Legal Rights & Agreement Rules · Restriction or exception
Malaysia: no advice, and no Stripe liability for your Products or added liabilities, except gross negligence or breach
The User acknowledges Stripe and its Affiliates, including SMP, do not give legal, tax or accounting advice through the Service. The User remains fully responsible for, and the Stripe Parties are not liable for (except due to the Stripe Parties' gross negligence or breach of contract), losses, damages, costs, fines, fees or penalties related to (a) the User's Products, their defects, its sales to Customers, or a Customer's use, misuse or inability to use them, and (b) additional legal, regulatory or Tax liabilities from using the Service.
Supporting quotations
User acknowledges that Stripe and its Affiliates, including SMP, do not provide legal, tax, or accounting advice as part of the Stripe Managed Payments Service. User remains fully responsible for, and the Stripe Parties are not liable for (except due to gross negligence or breach of contract by the Stripe Parties), any losses, damages, costs, fines, fees, or penalties related to:
(a) User’s Products, defects with User’s Products, User’s sale of Products to Customers, or a Customer’s use, misuse, or inability to use User’s Products; and
(b) any additional legal, regulatory, or Tax liabilities arising from User’s use of the Stripe Managed Payments Service.
Qualifications & exceptions
The exception covers the Stripe Parties' gross negligence or breach of contract.
Legal Rights & Agreement Rules · User right or choice
New Zealand: consumer rights and guarantees that cannot be excluded are not excluded by this agreement
To the extent the User acquires goods or services from Stripe as a consumer, the User has rights and remedies, including consumer guarantee rights, that cannot be excluded, restricted or modified by agreement. Nothing in the Agreement excludes, restricts or modifies any implied condition, warranty or guarantee, or any right, remedy or liability under law, where doing so would contravene that law or make a term of the agreement void.
Supporting quotations
11.3 Disclaimers.
To the extent that User acquires goods or services from Stripe as a consumer, User have certain rights and remedies (including consumer guarantee rights) that cannot be excluded, restricted or modified by agreement. Nothing in this Agreement operates to exclude, restrict or modify the application of any implied condition, warranty or guarantee, or the exercise of any right or remedy, or the imposition of any liability under law where to do so would: (a) contravene that law; or (b) cause any term of this agreement to be void.
Qualifications & exceptions
Applies only to the extent the User acquires goods or services from Stripe as a consumer.
Not stated here
The New Zealand clause does not name the consumer law it relies on, unlike the Australian clause.
Legal Rights & Agreement Rules · Restriction or exception
New Zealand: no advice and no Stripe liability for your Products or added liabilities, except Stripe's fault
The User acknowledges Stripe and its Affiliates, including SMP, do not give legal, tax or accounting advice through the Service. Except to the extent a loss arises from Stripe's breach of the Agreement, negligence, fraud or willful misconduct, the User remains fully responsible for, and the Stripe Parties are not liable for, losses, damages, costs, fines, fees or penalties related to (a) the User's Products, their defects, its sales to Customers, or a Customer's use, misuse or inability to use them, and (b) additional legal, regulatory or Tax liabilities from using the Service.
Supporting quotations
User acknowledges that Stripe and its Affiliates, including SMP, do not provide legal, tax, or accounting advice as part of the Stripe Managed Payments Service. Except to the extent the loss arises out of Stripe’s breach of this Agreement, negligence, fraud or willful misconduct, User remains fully responsible for, and the Stripe Parties are not liable for, any losses, damages, costs, fines, fees, or penalties related to:
(a) User’s Products, defects with User’s Products, User’s sale of Products to Customers, or a Customer’s use, misuse, or inability to use User’s Products; and
(b) any additional legal, regulatory, or Tax liabilities arising from User’s use of the Stripe Managed Payments Service.
Qualifications & exceptions
The exception covers Stripe's breach of the Agreement, negligence, fraud or willful misconduct, to the extent the loss arises from them.
Legal Rights & Agreement Rules · Restriction or exception
New Zealand: your indemnity excludes Claims from Stripe's fault and extends to your fraud, gross negligence and breach
Except to the extent Claims arise from Stripe's breach of the Agreement, negligence, fraud or willful misconduct, the User will indemnify the Stripe Parties for Stripe Losses arising from Claims relating to (a) the User's Products, including infringement or misappropriation of third-party rights such as IP Rights, (b) its sales of Products to Customers, (c) Customers' use, misuse or inability to use the Products, (d) the User's fraud, gross negligence or willful misconduct related to the Service, or (e) the User's breach of these terms. Customers are third parties for Claims under Section 11.4.
Supporting quotations
11.4 Indemnification.
Except to the extent the Claims arise out of Stripe’s breach of this Agreement, negligence, fraud or willful misconduct, User will indemnify the Stripe Parties for Stripe Losses arising out of any Claims made relating to (a) User’s Products (including any Claims that User’s Products infringe on or misappropriate the rights, including IP Rights, of the third party making the Claim), (b) User’s sale of Products to Customers, (c) Customers’ use, misuse, or inability to use User’s Products, (d) User’s fraud, gross negligence, or willful misconduct related to use of the Stripe Managed Payments Service, or (e) User’s breach of these Stripe Managed Payments Terms. For clarity, Customers are third parties for purposes of Claims under this Section 11.4.
Qualifications & exceptions
The Stripe-fault exception applies to the extent Claims arise from Stripe's breach, negligence, fraud or willful misconduct.
Not stated here
Whether any cap applies is not stated here.
Legal Rights & Agreement Rules · Restriction or exception
Affiliate merchants must be identified on request, bound by the Agreement and screened for AML and sanctions risk
If the User uses the Orchestrated Services for Orchestrated Transactions where the merchant is a User Affiliate or a Sub-user of one, the User must (i) on request promptly tell Stripe the merchant's identity; (ii) make sure the merchant is bound by and will comply with the Agreement as if references to User were references to it; and (iii) have enough controls to ensure none of those transactions involve goods or services prohibited under AML and Sanctions Law or benefit Sanctioned Persons. Sanctioned Persons are people or entities subject to sanctions under AML and Sanctions Law, including those on an applicable sanctions list (such as those identified by the US Office of Foreign Asset Control and the European Commission), those owned or controlled by a listed person, and those ordinarily resident in a jurisdiction the Stripe Restricted Business List identifies as high risk.
Supporting quotations
(d) General Obligations.
(iv) If User is using the Stripe Orchestrated Services in connection with Orchestrated Transactions where the merchant is a User Affiliate or a Sub-user of a User Affiliate, then User must: (i) upon request, promptly notify Stripe of the identity of that merchant; (ii) ensure that merchant is subject to and will comply with the terms of the Agreement as if references to “User” were references to that merchant; and (iii) have sufficient controls in place to ensure that none of those Orchestrated Transactions (A) involve goods or services prohibited under AML and Sanctions Law, and (B) are for the benefit of Sanctioned Persons.
“Sanctioned Persons” means people or entities that are subject to sanctions (e.g., prohibitions or asset freezes) under AML and Sanctions Law, including if they are (a) on an applicable sanctions list, such as the sanctions lists identified by the United States Office of Foreign Asset Control and the European Commission; (b) owned or controlled by a person on an applicable sanctions list; or (c) ordinarily resident in a jurisdiction identified as high risk in the Stripe Restricted Business List (located on the Stripe website).
Qualifications & exceptions
Applies where the merchant is a User Affiliate or a Sub-user of a User Affiliate.
Not stated here
The Stripe Restricted Business List, which identifies high-risk jurisdictions, is on the Stripe website and is not supplied here.
Legal Rights & Agreement Rules · Restriction or exception
Stripe disclaims responsibility for your third-party integrations, agreements, PSP processing and Custom Payment Methods
Stripe disclaims all responsibility and liability for (a) the User's integration to any third party including a Third-Party PSP; (b) the terms and upkeep of agreements with third parties, including Third-Party-PSP Agreements; (c) completion or processing of any transactions by a Third-Party PSP, including authentication, order confirmation, reconciliation, charges, refunds, disputes, settlements or funds flows; (e) the operation and support of Custom Payment Methods; (i) any other aspect of a Third-Party PSP's services or failure to provide them, which the Third-Party-PSP Agreements govern; and (l) other acts and omissions of Third-Party PSPs, including a PSP that stops letting the User reach its services through the Orchestrated Services.
Supporting quotations
6. Disclaimers.
Stripe disclaims all responsibility and liability for:
(a) User’s integration to any third party including any Third-Party PSP;
(b) the terms and maintenance of agreements with any third party including Third-Party-PSP Agreements;
(c) completion or processing of any transactions by any Third-Party PSP including, for example, authentication requirements or methods, order confirmation, reconciliation of orders, any charges, refunds, disputes, settlements, or funds flows;
(e) the operation and support of Custom Payment Methods;
(i) any other aspect of Third-Party PSPs’ provision of, or failure to provide, its services; which in all cases are governed by the Third-Party-PSP Agreements;
(l) any other acts and omissions by Third-Party PSPs, including Third-Party PSPs that cease to allow User to access their services using the Orchestrated Services.
“Third-Party PSP” means User or User's Affiliate’s third-party payment services provider (such as a provider of payments processing, payments orchestration services, or token management services) to whom User directly or indirectly routes Orchestrated Data.
Qualifications & exceptions
Third-Party PSP matters are governed by the Third-Party-PSP Agreements.
Legal Rights & Agreement Rules · Restriction or exception
Stripe disclaims responsibility for the accuracy of information it relies on and for others' copies and use of data
Stripe disclaims responsibility and liability for (d) the accuracy of information the User, a Third-Party PSP, a Governmental Authority or another third party gives Stripe that Stripe relies on. The User agrees inaccurate information may cause the services to produce inaccurate Orchestrated Data, and Stripe is not responsible for inaccuracies, errors or omissions in it. Stripe also disclaims (j) Third-Party PSPs' use or disclosure of Orchestrated Data, which the Third-Party-PSP Agreements and the PSPs' privacy policies (if any) govern, and (k) any copy of Orchestrated Data the User or a Third-Party PSP makes, including how it is stored, used or disclosed.
Supporting quotations
6. Disclaimers.
Stripe disclaims all responsibility and liability for:
(d) the accuracy of information User, any Third-Party PSP, any Governmental Authority, or other third party provides to Stripe that Stripe relies on to provide the Orchestrated Services. User agrees that inaccurate information may cause the Orchestrated Services to generate inaccurate Orchestrated Data, and Stripe is not responsible for any inaccuracies, errors, or omissions in the Orchestrated Data;
(j) Third-Party PSPs’ use or disclosure of any Orchestrated Data, which are governed by the Third-Party PSP Agreements and the Third-Party PSPs’ privacy policies (if any);
(k) any copy of the Orchestrated Data that User or the Third-Party PSP makes, including how it is stored, used, or disclosed; and
Qualifications & exceptions
The accuracy disclaimer covers inputs from the User, PSPs, authorities and other third parties.
Not stated here
The terms do not say whether a Third-Party PSP has a privacy policy.
Legal Rights & Agreement Rules · Restriction or exception
You defend and indemnify the Stripe Parties for Claims from Third-Party PSP or Custom Payment Method Provider failures
The User will (a) defend the Stripe Parties against Claims arising from a failure by a Custom Payment Method Provider or Third-Party PSP to (i) comply with Law, Payment Method provider rules including Card Network Rules, data security standards, or its agreements with or obligations to the User, Sub-users, Customers or others, or (ii) protect Orchestrated Data given to it, and (b) indemnify the Stripe Parties for all Stripe Losses arising from or relating to those Claims, under the indemnification provisions of the General Terms. Sub-users are users of the User's or its Affiliate's platform services that the user entity has enabled to accept card payments.
Supporting quotations
7. Indemnification.
User will (a) defend the Stripe Parties from any Claims arising from a failure by a Custom Payment Method Provider or Third-Party PSP to: (i) comply with Law, Payment Method provider rules (including Card Network Rules), data security standards, or any of its agreements with or obligations to User, Sub-users, Customers, or any other party, or (ii) protect Orchestrated Data provided to the Custom Payment Method provider or Third-Party PSP, as applicable; and (b) indemnify the Stripe Parties for all Stripe Losses arising out of or relating to those Claims, in each case in accordance with the indemnification provisions in the General Terms.
“Sub-users” means the users of User's or User's Affiliate’s platform services that the applicable user entity has enabled to accept card payments.
Qualifications & exceptions
Applies to failures by a Custom Payment Method Provider or Third-Party PSP.
Operates in line with the General Terms' indemnification provisions.
Not stated here
The General Terms' indemnification provisions are not supplied here.
Legal Rights & Agreement Rules · Context
Definitions: AML and Sanctions Law, Connected Account and Custom Payment Method
AML and Sanctions Law means applicable anti-money laundering and sanctions laws and other binding requirements of any Governmental Authority with jurisdiction in the United States, or over the Orchestrated Services, Stripe or its Affiliates, the User or its Affiliates, or a Third Party PSP, as applicable. 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. 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 as the Documentation describes.
Supporting quotations
“AML and Sanctions Law” means all applicable anti-money laundering and sanctions laws, rules, regulations and other binding requirements of any Governmental Authority with jurisdiction in the United States, or with jurisdiction over the Stripe Orchestrated Services, Stripe or its Affiliates, User or its Affiliates, or a Third Party PSP, as applicable.
“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.
“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.
Not stated here
The Documentation that describes Custom Payment Methods is not supplied.
Legal Rights & Agreement Rules · Context
Definitions: Card Network (Visa, Mastercard, American Express, Discover) and Card Network Rules
A Card Network is a payment card network, including those run by Visa, Mastercard, American Express and Discover; the named networks are examples. Card Network Rules are the Payment Method Rules a Card Network publishes.
Supporting quotations
“Card Network” means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover.
“Card Network Rules” means the Payment Method Rules published by a Card Network.
Qualifications & exceptions
The named networks are examples, not a complete list.
Not stated here
The Card Network Rules themselves are published by the networks and are not in this document.
Legal Rights & Agreement Rules · Context
Definitions: Sanctioned Persons, AML and Sanctions Law and PCI-DSS
Sanctioned Persons are people or entities subject to sanctions under AML and Sanctions Law, including those on an applicable sanctions list (such as lists identified by the US Office of Foreign Asset Control and the European Commission), those owned or controlled by a listed person, and those ordinarily resident in a jurisdiction the Stripe Restricted Business List identifies as high risk. AML and Sanctions Law covers applicable anti-money laundering and sanctions laws and other binding requirements of any Governmental Authority with jurisdiction in the United States, or over the Orchestrated Services, Stripe or its Affiliates, the User or its Affiliates, or a Third Party PSP. PCI-DSS is the Payment Card Industry Data Security Standard.
Supporting quotations
“Sanctioned Persons” means people or entities that are subject to sanctions (e.g., prohibitions or asset freezes) under AML and Sanctions Law, including if they are (a) on an applicable sanctions list, such as the sanctions lists identified by the United States Office of Foreign Asset Control and the European Commission; (b) owned or controlled by a person on an applicable sanctions list; or (c) ordinarily resident in a jurisdiction identified as high risk in the Stripe Restricted Business List (located on the Stripe website).
“AML and Sanctions Law” means all applicable anti-money laundering and sanctions laws, rules, regulations and other binding requirements of any Governmental Authority with jurisdiction in the United States, or with jurisdiction over the Stripe Orchestrated Services, Stripe or its Affiliates, User or its Affiliates, or a Third Party PSP, as applicable.
“PCI-DSS” means the Payment Card Industry Data Security Standard.
Qualifications & exceptions
The Sanctioned Persons definition is not limited to listed names; it reaches owned or controlled entities and residents of high-risk jurisdictions.
Not stated here
The Stripe Restricted Business List is on the Stripe website and is not supplied here.
Legal Rights & Agreement Rules · Context
Definition: Stripe Losses cover awards, penalties, fines and third-party costs including legal fees
Stripe Losses means all amounts awarded to the third party making a Claim, and all penalties, fines and third-party costs, including legal fees, paid by the Stripe Parties.
Supporting quotations
“Stripe Losses” means all amounts awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Stripe Parties.
Legal Rights & Agreement Rules · Restriction or exception
You are jointly and severally liable with the other Organization entities for all Organizations Services activity
While the User's Stripe Account is part of an Organization, the User is jointly and severally liable with the other legal entities whose Stripe Accounts are in the same Organization for all activity related to use of the Organizations Services, including any features or other Services the Organization uses.
Supporting quotations
6. Liability of Organization Accounts.
While User’s Stripe Account is part of an Organization, User is jointly and severally liable with the other legal entities whose Stripe Accounts are part of the same Organization as User’s Organization Accounts for all activity related to use of Stripe Organizations Services, including for any features or other Services used by the Organization.
Qualifications & exceptions
Liability is joint and several, so Stripe could look to the User for the whole amount.
Applies while the User's account is in the Organization.
Not stated here
The terms do not say whether liability continues for activity before the User leaves.
Legal Rights & Agreement Rules · Restriction or exception
Sample Codes are provided "as is", with all warranties disclaimed and no liability for losses from them
Stripe may provide sample codes, snippets and programming examples showing features of the Stripe Technology (Sample Codes) as part of the services. They are provided “AS IS” and “AS AVAILABLE”. To the maximum extent Law permits, Stripe disclaims all express and implied warranties and statutory guarantees about Sample Codes, and Stripe and its Affiliates are not liable for losses, damages or costs the User or others may suffer from them. Sample Codes count as Documentation for the Agreement.
Supporting quotations
4. Sample Codes.
Stripe may, as part of Stripe Professional Services, provide sample codes, snippets, and programming examples illustrating various features of the Stripe Technology (collectively, “Sample Codes”). Stripe provides Sample Codes “AS IS” and “AS AVAILABLE”. To the maximum extent permitted by Law, Stripe does not make any, and expressly disclaims all, express and implied warranties and statutory guarantees with respect to Sample Codes. Stripe and its Affiliates are not liable for any losses, damages, or costs that User or others may suffer arising out of or relating to Sample Codes. Sample Codes are Documentation for purposes of this Agreement.
Qualifications & exceptions
Disclaimer is to the maximum extent Law permits.
Legal Rights & Agreement Rules · Restriction or exception
Stripe does not warrant its advice suits your business, and you decide whether to act on it
Stripe does not represent or warrant that its or its subcontractors' advice or recommendations will suit the User's business. Stripe does not have access to all relevant information about the business, and its advice rests on assumptions and on information the User provides. The User is responsible for deciding whether to act on any advice or recommendation.
Supporting quotations
7. Disclaimer.
Stripe does not represent or warrant that any advice or recommendations made by Stripe, or its subcontractors, will be appropriate for User’s business. Stripe does not have access to all relevant information about User’s business, and its advice and recommendations will be based on certain assumptions and in reliance on information User provides in connection with this Agreement. User is responsible for determining whether to act upon any advice or recommendations Stripe or its subcontractors make.
Qualifications & exceptions
Advice rests on assumptions and on information the User provides.
Legal Rights & Agreement Rules · Restriction or exception
Stripe gives no legal or compliance advice; you own the integration work and your own legal assessment
Stripe does not provide legal or compliance advice. The User is responsible for all integration work and for making its own assessment of whether its use of the Professional Services meets applicable legal and regulatory requirements.
Supporting quotations
Stripe does not provide legal or compliance advice. User is responsible for all integration work and for making User’s own assessment of whether User’s use of the Stripe Professional Services meets applicable legal and regulatory requirements.
Legal Rights & Agreement Rules · Restriction or exception
You are solely responsible for how you use Radar and for the decisions and actions you take
The User is solely responsible for its use of the Radar Services and Radar Data, and for the decisions it makes and actions it takes in connection with them.
Supporting quotations
5.1 Responsibility for Decisions.
(a) Use of the Stripe Radar Services and Stripe Radar Data. User is solely responsible for User’s use of the Stripe Radar Services and Stripe Radar Data, as well as the decisions User makes and the actions User takes in connection with the Stripe Radar Services and Stripe Radar Data.
Legal Rights & Agreement Rules · Restriction or exception
Radar Data is not advice, and Stripe is not liable for fraud, wrongly blocked sales or data accuracy
The Radar Data is not legal or compliance advice, or advice on whether the User should go ahead with a transaction with another person. Stripe is not liable for losses, damages, costs, fines, fees or penalties relating to (i) fraudulent Transactions and other fraud, including by third party payment service providers; (ii) non-fraudulent transactions the Radar Services may block; or (iii) the accuracy or inaccuracy of the Radar Data, and any actions the User or Stripe takes based on it.
Supporting quotations
5.2 Disclaimers.
(c) Nature of Stripe Radar Data. The Stripe Radar Data does not constitute legal or compliance advice, or advice as to whether User should proceed with a transaction with another person.
(d) Stripe Liability. Stripe is not liable for any losses, damages, costs, fines, fees, or penalties relating to (i) fraudulent Transactions and other fraudulent activity, including fraudulent activity untaken by third party payment service providers; (ii) non-fraudulent transactions that may be blocked by the Stripe Radar Services; or (iii) the accuracy (or inaccuracy) of the Stripe Radar Data, and any actions that User or Stripe may take based on the Stripe Radar Data.
Qualifications & exceptions
The liability disclaimer covers actions taken by either the User or Stripe based on the Radar Data.
Not stated here
Whether other parts of the Agreement limit or restore any of these disclaimers is not stated here.
Legal Rights & Agreement Rules · Restriction or exception
Stripe is not liable for fraud, wrongly blocked transactions, or the accuracy of Radar Data and actions based on it
Stripe is not liable for losses, damages, costs, fines, fees or penalties relating to (i) fraudulent Transactions and other fraudulent activity, including fraud by third party payment service providers; (ii) non-fraudulent transactions the Radar Services may block; or (iii) the accuracy or inaccuracy of the Radar Data, and any actions the User or Stripe may take based on the Radar Data.
Supporting quotations
(d) Stripe Liability. Stripe is not liable for any losses, damages, costs, fines, fees, or penalties relating to (i) fraudulent Transactions and other fraudulent activity, including fraudulent activity untaken by third party payment service providers; (ii) non-fraudulent transactions that may be blocked by the Stripe Radar Services; or (iii) the accuracy (or inaccuracy) of the Stripe Radar Data, and any actions that User or Stripe may take based on the Stripe Radar Data.
(c) Nature of Stripe Radar Data. The Stripe Radar Data does not constitute legal or compliance advice, or advice as to whether User should proceed with a transaction with another person.
Qualifications & exceptions
Covers actions by either the User or Stripe based on Radar Data.
Not stated here
Whether other parts of the Agreement limit or restore this disclaimer is not stated here.
Legal Rights & Agreement Rules · Context
Definitions: CCPA and FCRA, with the statute citations as written in the source
CCPA means the California Consumer Privacy Act of 2018, Cal. Civ. Code Sections 1798.100-1798.199. FCRA is defined as the Fair Credit Reporting Act and the Equal Credit Opportunity Act, and the source cites the same “15 U.S.C. Section 1681, et seq.” for both. This explanation reports the citations as written and does not resolve the laws.
Supporting quotations
“CCPA” means California Consumer Privacy Act of 2018, Cal. Civ. Code Sections 1798.100-1798.199.
“FCRA” means Fair Credit Reporting Act, 15 U.S.C. Section 1681, et seq. and Equal Credit Opportunity Act, 15 U.S.C. Section 1681, et seq.
Qualifications & exceptions
The FCRA definition names two Acts but gives one identical citation for both, as written in the source.
Not stated here
The cited statutes are not supplied; the repeated FCRA citation is left as written.
Legal Rights & Agreement Rules · Restriction or exception
Stripe is not liable for suspensions, your errors, Partner rejections, Partner insolvency or irreversible transactions
To the extent Law permits, Stripe is not liable to the User for losses, damages or costs from (a) suspension, termination or interruption of the Stablecoin Treasury Services or the Stablecoin Partner Services; (b) the User giving incorrect information on a Stablecoin Partner Transaction; (c) the User or a third party trying to start a transaction the Partner does not support; (d) the Partner rejecting a transaction for any reason; (e) the Partner rejecting, delaying or failing to complete a Stablecoin Payout Transaction for any reason; (f) the Partner's default, insolvency or bankruptcy; or (g) the irreversibility of any Stablecoin Partner Transaction, including an exchange of fiat for Stablecoin that cannot be unwound once the Partner starts it. A Stablecoin Partner Transaction is a Stablecoin or fiat transmission, exchange, custody or other transaction requested or executed through the Partner Services.
Supporting quotations
2.3 Disclaimer.
To the extent Law permits, Stripe is not liable to User for any losses, damages, or costs resulting from: (a) the suspension or termination of, or interruptions to, the Stripe Stablecoin Treasury Services or the Stablecoin Partner Services; (b) User providing incorrect information in connection with a Stablecoin Partner Transaction; (c) User or any third party attempting to initiate a Stablecoin Partner Transaction that is not supported by the Stablecoin Partner; (d) the Stablecoin Partner rejecting a Stablecoin Partner Transaction, for any reason; (e) the Stablecoin Partner rejecting, delaying, or failing to complete a Stablecoin Payout Transaction for any reason; (f) the Stablecoin Partner’s default, insolvency, or bankruptcy; or (g) the irreversibility of any Stablecoin Partner Transaction, including any exchange of fiat currency for Stablecoin that cannot be unwound once initiated by the Stablecoin Partner.
“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.
Qualifications & exceptions
The disclaimer applies to the extent Law permits.
Covers the Partner's insolvency and the irreversibility of transactions.
Legal Rights & Agreement Rules · Restriction or exception
Value held during a Depeg Event is set by the Partner Terms, and Stripe is not liable for depeg losses
The value of Stablecoin held in custody with the Stablecoin Partner during a Depeg Event is governed solely by the Stablecoin Partner Terms. Stripe is not liable to the User for losses, damages or costs from a Depeg Event, or from actions Stripe or the Partner takes in connection with one, including any difference between the exchange rate when the User accepts payment in Stablecoin and the rate at which the Partner executes the exchange, if it chooses to do so.
Supporting quotations
The value of Stablecoin held in custody with the Stablecoin Partner during a Depeg Event is governed solely by the Stablecoin Partner Terms. Stripe is not liable to User for any losses, damages, or costs arising from a Depeg Event, or any actions taken by Stripe or the Stablecoin Partner in connection with a Depeg Event, including any difference between the exchange rate applicable at the time User accepts payment in Stablecoin and the rate at which the Stablecoin Partner executes the exchange, if it chooses to do so.
Qualifications & exceptions
Exchange rate differences are covered by the disclaimer.
Not stated here
The Stablecoin Partner Terms that govern value are not supplied.
Legal Rights & Agreement Rules · Context
Regional Terms apply for the listed countries and prevail over the Stablecoin Treasury Terms in a conflict
The Regional Terms apply for the countries or regions listed below them, and if they conflict with the Stablecoin Treasury Terms the Regional Terms prevail.
Supporting quotations
6. Regional Terms.
The following Regional Terms apply for the countries or regions below. If there is a conflict between the Stripe Stablecoin Treasury Terms and the Regional Terms, the Regional Terms prevail.
Qualifications & exceptions
The Regional Terms win in a conflict.
Legal Rights & Agreement Rules · Restriction or exception
Some Tax Services are Partner Services provided at your own risk, which Stripe does not endorse and disclaims
Some of the Stripe Tax Services are provided directly by Stripe and some are Partner Services. Stripe gives access to Partner Services for the User's convenience only, does not approve or endorse them, and disclaims all responsibility and liability for the User's use of them, which is at the User's own risk. Partner Services are not Services. The User may be required to create an account with a Tax Partner, which is a third-party provider of Partner Services, and agree to its terms and privacy policy.
Supporting quotations
2. Provision of Services.
2.1 Partner Services.
Some of the Stripe Tax Services are provided directly by Stripe and some are Partner Services. Stripe provides User access to Partner Services for User’s convenience only and Stripe does not approve or endorse Partner Services. User’s access and use of Partner Services is at User’s own risk and Stripe disclaims all responsibility and liability for User’s use of Partner Services. Partner Services are not Services. User may be required to create an account with a Tax Partner and agree to its terms and privacy policy for use of the Partner Services.
“Tax Partner” means a third-party service provider of Partner Services.
Qualifications & exceptions
Use of Partner Services is at the User's own risk.
The User may have to accept the Tax Partner's own terms and privacy policy.
Not stated here
The Tax Partner terms and privacy policies are not supplied, except the two TaxJar links.
Legal Rights & Agreement Rules · Restriction or exception
TaxJar is a Tax Partner, and using its services means accepting its Terms of Service and privacy policy
For these terms, TPS Unlimited, Inc, dba TaxJar, is deemed a Tax Partner and may provide Partner Services. The User's use of TaxJar services with the Stripe Tax Services is its acceptance of the TaxJar Terms of Service and acknowledgement of the TaxJar Privacy Policy, which are at the TaxJar links in the definitions.
Supporting quotations
2.2 Use of TaxJar.
For purposes of these Stripe Tax Terms, TPS Unlimited, Inc, dba TaxJar (“TaxJar”), is deemed a Tax Partner and may provide Partner Services. User’s use of TaxJar services in connection with Stripe Tax Services constitutes User’s acceptance of the TaxJar Terms of Service and acknowledgement of the TaxJar Privacy Policy.
“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).
“TaxJar Privacy Policy” means TaxJar’s privacy policy located at [https://www.taxjar.com/privacy](https://www.taxjar.com/privacy).
Qualifications & exceptions
Acceptance follows from use of the TaxJar services.
Not stated here
The TaxJar terms and privacy policy are linked and not supplied.
Legal Rights & Agreement Rules · Company practice
Stripe provides no fiscal representation, but a subcontractor may act as your fiscal representative where required
Stripe does not provide fiscal representation. Where Law or a Governmental Authority requires fiscal representation for the Stripe Tax Services, a subcontractor engaged by Stripe may act as fiscal representative for the User. The User may have to sign additional documents for that arrangement, including authorizations or agreements the relevant Governmental Authority requires.
Supporting quotations
5. Service Restrictions.
5.1 Fiscal Representation.
Stripe does not provide fiscal representation. Where Law or a Governmental Authority requires fiscal representation in connection with the Stripe Tax Services, a subcontractor engaged by Stripe may act as fiscal representative on User's behalf. User may be required to execute additional documents in connection with any such fiscal representation arrangement, including any authorizations or agreements required by the relevant Governmental Authority.
Qualifications & exceptions
Applies where Law or a Governmental Authority requires fiscal representation.
Not stated here
The terms do not say who pays for the representation.
Legal Rights & Agreement Rules · Restriction or exception
Stripe gives no legal, tax or accounting advice or audit support, and the tools are for convenience only
The User acknowledges Stripe does not provide legal, tax or accounting advice, and the Stripe Tax Services do not include audit support. The services are automated software tools provided strictly for the User's convenience. The User is solely responsible for its own due diligence and for seeking qualified legal, tax and accounting professionals. All information, forms and materials provided with the services are for informational and educational purposes only.
Supporting quotations
6. Disclaimer.
6.1 No Tax Advice or Audit Support.
User acknowledges that Stripe does not provide legal, tax or accounting advice, and that the Stripe Tax Services do not include audit support. The Stripe Tax Services are automated software tools provided strictly for User’s convenience. User is solely responsible for conducting its own due diligence and seeking the assistance of qualified legal, tax, and accounting professionals. All information, forms, and materials provided in connection with the Stripe Tax Services are provided to User for informational and educational purposes only.
Legal Rights & Agreement Rules · Restriction or exception
Third-party data feeds may lag, go down or be inaccurate, and Stripe disclaims availability and real-time accuracy
The User acknowledges the Stripe Tax Services rely on integrations with third party data sources and governmental databases, which may be subject to latency, downtime or inaccuracies. Stripe disclaims all liability for continuous availability, latency maximums or real-time accuracy of third-party data feeds used to generate Stripe Tax Data.
Supporting quotations
6.2 Third Party Data Sources.
User acknowledges that Stripe Tax Services rely on integrations with third party data sources and governmental databases, which may be subject to latency, downtime, or inaccuracies. Stripe disclaims all liability with respect to continuous availability, latency maximums, or real-time accuracy of third-party data feeds used to generate Stripe Tax Data.
Legal Rights & Agreement Rules · Restriction or exception
You stay responsible, and Stripe disclaims liability, for your tax compliance, fines, back-taxes and added obligations
The User remains fully responsible for, and the Stripe Parties disclaim all liability for, (a) the User's fulfillment of its obligations under Law, including Taxes; (b) the accuracy of the Stripe Tax Services, and the User's obligation to pay any fine, penalty, back-taxes or other sanction a Governmental Authority imposes as a result of using them; (c) the User's action or failure to act because of directions or recommendations related to the services; and (d) additional tax or legal obligations the services may trigger, such as requirements to register for income tax, franchise tax, or other local, state, federal or international tax obligations.
Supporting quotations
6.3. Additional Disclaimers.
User remains fully responsible for, and Stripe Parties disclaim all liability with respect to:
(a) User’s fulfillment of its obligations under Law, including with respect to Taxes;
(b) the accuracy of the Stripe Tax Services, and User’s obligation to pay any fine, penalty, back-taxes, or other sanction imposed by a Governmental Authority as a result of the use of the Stripe Tax Services;
(c) User’s action, or failure to act, as a result of any directions or recommendations User receives related to the Stripe Tax Services; and
(d) additional tax or legal obligations that the Stripe Tax Services may trigger, such as requirements to register for income tax, franchise tax, or other local, state, federal, or international tax obligations.
Qualifications & exceptions
Covers fines, penalties and back-taxes imposed because of the use of the services.
Legal Rights & Agreement Rules · Restriction or exception
Stripe does not test your Stripe Apps or answer for failures from improper use; you must keep them compatible
Stripe is not responsible for (a) testing Stripe Apps for any purpose, including interoperability with the Terminal Products they run on, or testing firmware or other software on those products, or (b) any failure of the Terminal Services that results from improper use of a Stripe App. The User is responsible for implementing all updates to its Stripe Apps needed to keep them compatible with the Terminal Services.
Supporting quotations
4.4 Responsibility for Testing and Updates.
Stripe will not be responsible for (a) testing Stripe Apps for any purpose, including for interoperability with the Stripe Terminal Products on which they are deployed, or testing any firmware or other software applications or services running on the Stripe Terminal Products; or (b) any failure of the Stripe Terminal Services that results from the improper use of a Stripe App. User is responsible for implementing all updates to Stripe Apps that are needed to ensure compatibility with the Stripe Terminal Services.
Legal Rights & Agreement Rules · Restriction or exception
You are fully responsible for the validity of contracts and notices made through On-Reader Forms
If the User uses On-Reader Forms to enter into contracts with, or give notices to, its Customers, the User is fully responsible for the legal validity and enforceability of those contracts or notices. Stripe and its Affiliates are not liable to the User or its Customers for any losses, damages or costs arising from the User's use of On-Reader Forms.
Supporting quotations
5.4 Responsibility for Contracts and Notices.
If User uses On-Reader Forms to (a) enter into contracts with, or (b) provide notices to User’s Customers, User is fully responsible for ensuring the legal validity and enforceability of such contracts or notices. Stripe and its Affiliates are not liable to User or User’s Customers for any losses, damages, or costs arising out of or in relation to User’s use of On-Reader Forms.
Qualifications & exceptions
Applies where the User uses On-Reader Forms for contracts or notices.
Legal Rights & Agreement Rules · Restriction or exception
DCC: you stay responsible; Stripe disclaims liability for compliance, rate accuracy, bank fees and your actions
The User remains fully responsible for, and Stripe disclaims all liability for, (a) the User's fulfilment of its obligations under Law and Payment Method Rules, including its use of Dynamic Currency Conversion; (b) the accuracy of the prices Dynamic Currency Conversion shows to the User and its Customers and of the exchange rates it uses; (c) any fees charged to the User or its Customers by the User's bank or another financial institution; and (d) the User's action or failure to act because of directions or recommendations related to it.
Supporting quotations
6.5 Disclaimer.
User remains fully responsible for, and Stripe disclaims all liability with respect to:
(a) User’s fulfilment of its obligations under Law and Payment Method Rules, including with respect to its use of Dynamic Currency Conversion;
(b) the accuracy of the prices Dynamic Currency Conversion presents to User and its Customers, and the currency exchange rates Dynamic Currency Conversion uses and applies;
(c) any fees charged to User or its Customers by User’s bank or any other applicable financial institution; and
(d) User’s action, or failure to act, as a result of any directions or recommendations User receives related to Dynamic Currency Conversion.
Legal Rights & Agreement Rules · Restriction or exception
Stripe does not test your Stripe Apps or answer for failures from improper use; you must keep them compatible
Stripe is not responsible for (a) testing Stripe Apps for any purpose, including interoperability with the Terminal Products they run on, or testing firmware or other software on those products, or (b) any failure of the Terminal Services that results from improper use of a Stripe App. The User is responsible for implementing all updates to its Stripe Apps needed to keep them compatible with the Terminal Services.
Supporting quotations
5.4 Responsibility for Testing and Updates.
Stripe will not be responsible for (a) testing Stripe Apps for any purpose, including for interoperability with the Stripe Terminal Products on which they are deployed, or testing any firmware or other software applications or services running on the Stripe Terminal Products; or (b) any failure of the Stripe Terminal Services that results from the improper use of a Stripe App. User is responsible for implementing all updates to Stripe Apps that are needed to ensure compatibility with the Stripe Terminal Services.
Legal Rights & Agreement Rules · Restriction or exception
You are fully responsible for the validity of contracts and notices made through On-Reader Forms
If the User uses On-Reader Forms to enter into contracts with, or give notices to, its Customers, the User is fully responsible for the legal validity and enforceability of those contracts or notices. Stripe and its Affiliates are not liable to the User or its Customers for any losses, damages or costs arising from the User's use of On-Reader Forms.
Supporting quotations
6.4 Responsibility for Contracts and Notices.
If User uses On-Reader Forms to (a) enter into contracts with, or (b) provide notices to User’s Customers, User is fully responsible for ensuring the legal validity and enforceability of such contracts or notices. Stripe and its Affiliates are not liable to User or User’s Customers for any losses, damages, or costs arising out of or in relation to User’s use of On-Reader Forms.
Qualifications & exceptions
Applies where the User uses On-Reader Forms for contracts or notices.
Legal Rights & Agreement Rules · Restriction or exception
DCC: you stay responsible; Stripe disclaims liability for compliance, rate accuracy, bank fees and your actions
The User remains fully responsible for, and Stripe disclaims all liability for, (a) the User's fulfilment of its obligations under Law and Payment Method Rules, including its use of Dynamic Currency Conversion; (b) the accuracy of the prices Dynamic Currency Conversion shows to the User and its Customers and of the exchange rates it uses; (c) any fees charged to the User or its Customers by the User's bank or another financial institution; and (d) the User's action or failure to act because of directions or recommendations related to it.
Supporting quotations
7.5 Disclaimer.
User remains fully responsible for, and Stripe disclaims all liability with respect to:
(a) User’s fulfilment of its obligations under Law and Payment Method Rules, including with respect to its use of Dynamic Currency Conversion;
(b) the accuracy of the prices Dynamic Currency Conversion presents to User and its Customers, and the currency exchange rates Dynamic Currency Conversion uses and applies;
(c) any fees charged to User or its Customers by User’s bank or any other applicable financial institution; and
(d) User’s action, or failure to act, as a result of any directions or recommendations User receives related to Dynamic Currency Conversion.
Legal Rights & Agreement Rules · Restriction or exception
No payments outside the Transaction Territory, no transfer services for third parties, and no criminal proceeds
The User must (a) not use the Financial Account to send payments to, or receive payments from, any bank or financial institution account outside the Transaction Territory, meaning any location Stripe makes available from time to time for transactions; (b) make sure its use of the services and performance of its obligations comply with all Financial Account Regulatory Requirements; (c) not use the Financial Account to provide funds transfer services to third parties; and (d) make sure no funds transferred into its Financial Account are proceeds of criminal activity.
Supporting quotations
7. User Restrictions and Obligations.
User must:
(a) not use the Financial Account to send any payment to any bank or financial institution account outside of the Transaction Territory or to receive any payment from any account located outside the Transaction Territory;
(b) ensure that User’s use of the Stripe Treasury Services and performance of User’s obligations under these Stripe Treasury Terms comply with all Financial Account Regulatory Requirements;
(c) not use the Financial Account to provide funds transfer services to third parties; and
(d) ensure that no funds transferred into User’s Financial Account are proceeds from any criminal activity.
“Transaction Territory” means any location that Stripe may make available from time to time for Financial Account Transactions.
Qualifications & exceptions
The Transaction Territory is whatever Stripe makes available from time to time.
Legal Rights & Agreement Rules · Restriction or exception
Where Law voids liability limits for missed stop-payments or forged signatures, liability is capped at face value
To the extent Financial Account Regulatory Requirements invalidate or make unenforceable limits or exclusions of liability of RSP and its Affiliates for failing to stop payment on a Financial Account Transaction, or paying one bearing an unauthorized or forged signature or endorsement, the Stripe Parties' aggregate liability for those circumstances is limited to the face value of the Financial Account Transaction.
Supporting quotations
8. Limitation of Liability.
To the extent that Financial Account Regulatory Requirements invalidate or render unenforceable any limitations or exclusions of liability of RSP and its Affiliates under this Agreement with respect to failing to stop payment on a Financial Account Transaction, or paying a Financial Account Transaction bearing an unauthorized or forged signature or endorsement, then the Stripe Parties’ aggregate liability with respect to those circumstances will be limited to the face value of the Financial Account Transaction.
Qualifications & exceptions
Applies only to the extent regulatory requirements invalidate other limits.
Legal Rights & Agreement Rules · Restriction or exception
Stripe offers no service levels for the Treasury Services
Stripe does not offer service levels for the Stripe Treasury Services, so no uptime or availability commitment is made in these terms.
Supporting quotations
9. Disclaimers.
9.1 Availability.
Stripe does not offer service levels for the Stripe Treasury Services.
Legal Rights & Agreement Rules · Context
Definitions: Nacha, the Nacha Operating Rules, Entry and Originator
Nacha is the National Automated Clearinghouse Association. The Nacha Operating Rules are the rules Nacha publishes that govern automated clearing house transactions on the ACH Network, available at the Nacha rules website. Entry and Originator take the meanings given in the Nacha Operating Rules.
Supporting quotations
“Nacha” means the National Automated Clearinghouse Association.
“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).
“Entry” has the meaning given to it in the Nacha Operating Rules.
“Originator” has the meaning given to it in the Nacha Operating Rules.
Not stated here
The Nacha Operating Rules are published externally and are not supplied here.
Legal Rights & Agreement Rules · Context
Definitions: ERISA, IRS Code, FDIC and FDIC Insurance
ERISA means the Employee Retirement Income Security Act of 1974, 29 U.S.C. Chapt. 18, and the IRS Code means the Internal Revenue Code, 26 U.S.C. Title 26. FDIC means the Federal Deposit Insurance Corporation, and FDIC Insurance means deposit insurance that covers certain types of accounts at FDIC-insured banks. These definitions only name the laws and insurance; they do not say whether the Financial Account has FDIC Insurance.
Supporting quotations
“ERISA” means the Employee Retirement Income Security Act of 1974, 29 U.S.C. Chapt. 18.
“IRS Code” means Internal Revenue Code, 26 U.S.C. Title 26.
“FDIC” means Federal Deposit Insurance Corporation.
“FDIC Insurance” means deposit insurance that covers certain types of accounts at FDIC-insured banks.
Qualifications & exceptions
The definitions do not state that the Financial Account is FDIC insured.
Not stated here
Whether any FDIC Insurance applies to funds in a Financial Account is not stated in these definitions.
Legal Rights & Agreement Rules · Context
Regional Terms apply for the listed countries and prevail over the Treasury Terms; the first listed is the United States
The Regional Terms apply for the countries listed below them, and if they conflict with the Stripe Treasury Terms the Regional Terms prevail. The first listed country is the United States, and its Regional Terms apply for Users in the United States.
Supporting quotations
11. Regional Terms.
The following Regional Terms apply for the countries below. If there is a conflict between the Stripe Treasury Terms and the Regional Terms, the Regional Terms prevail.
United States.
The following Regional Terms apply for Users in the United States.
Qualifications & exceptions
The Regional Terms win in a conflict.
Legal Rights & Agreement Rules · Restriction or exception
United States: you represent and warrant that you do not lend funds or deliver property for ERISA or IRS Code plans
The User represents on the date it first uses the Treasury Services, and warrants at all times during use, that it does not lend funds to its Financial Account or otherwise deliver property to Stripe on behalf of (a) an “employee benefit plan” under Section 3(3) of ERISA; (b) a “plan” under Section 4975(e)(1) of the IRS Code; (c) an entity whose assets are “plan assets” subject to Title I of ERISA or Section 4974 of the IRS Code, by reason of Section 3(42) of ERISA, U.S. Department of Labor Regulation 29 C.F.R. Section 25.10.3-101 or otherwise; or (d) a “governmental plan”, or another plan (or an entity whose assets are considered to include the assets of one) subject to any Law or restriction substantively similar to Section 406 of ERISA or Section 4975 of the IRS Code. ERISA is the Employee Retirement Income Security Act of 1974 and the IRS Code is the Internal Revenue Code. The statute citations are given as written in the source and are not resolved here.
Supporting quotations
11.4 Compliance with ERISA.
User represents on the date User first uses the Stripe Treasury Services, and warrants at all times during User’s use of the Stripe Treasury Services, that User does not lend funds to User’s Financial Account or otherwise deliver property to Stripe on behalf of:
(a) an “employee benefit plan” within the meaning of Section 3(3) of ERISA;
(b) a “plan” within the meaning of Section 4975(e)(1) of the IRS Code;
(c) an entity whose underlying assets constitute “plan assets” subject to Title I of ERISA or Section 4974 of the IRS Code by reason of Section 3(42) of ERISA, U.S. Department of Labor Regulation 29 C.F.R. Section 25.10.3-101 or otherwise; or
(d) a “governmental plan” (as defined in ERISA or the IRS Code) or another type of plan (or an entity whose assets are considered to include the assets of a governmental plan or other plan) that is subject to any Law or restriction that is substantively similar or of similar effect to Section 406 of ERISA or Section 4975 of the IRS Code.
“ERISA” means the Employee Retirement Income Security Act of 1974, 29 U.S.C. Chapt. 18.
“IRS Code” means Internal Revenue Code, 26 U.S.C. Title 26.
Qualifications & exceptions
The warranty applies at all times during use of the services.
The legal citations are reported as written in the source.
Not stated here
The cited ERISA and IRS Code provisions are not supplied.
Legal Rights & Agreement Rules · Context
On a conflict these terms rank first, then the Treasury Terms, Financial Services Terms and General Terms
If a term in the Accountholder Terms conflicts with a term incorporated into them, then unless a lower-ranking term expressly says otherwise, the order of precedence is (a) the Accountholder Terms, (b) the Stripe Treasury Terms, (c) the Stripe Financial Services Terms and (d) the General Terms.
Supporting quotations
1.2 Order of Precedence.
If any term in these Stripe Treasury for Platforms Accountholder Terms conflicts with a term or terms incorporated by reference into these terms, then unless terms of lower precedence expressly state to the contrary, the order of precedence is: (a) these Stripe Treasury for Platforms Accountholder Terms; (b) the Stripe Treasury Terms; (c) the Stripe Financial Services Terms; and (d) the General Terms.
Qualifications & exceptions
A lower-ranking term can win only if it expressly says so.
Legal Rights & Agreement Rules · Restriction or exception
You must help RSP and your platform investigate and prosecute claims about unauthorized transactions
The User must help RSP and its Stripe Connect Platform investigate, and prosecute related claims for, unauthorized Financial Account Transactions by completing the statements and reports RSP or the platform reasonably requests.
Supporting quotations
(b) Assistance in Investigations. User must assist RSP and User’s Stripe Connect Platform in the investigation and related prosecution of claims for unauthorized Financial Account Transactions by completing the appropriate statements and reports that RSP or User’s Stripe Connect Platform reasonably requests.
Qualifications & exceptions
Requests must be reasonable.
Legal Rights & Agreement Rules · Permission or license
RSP may refer conflicting instructions or disputes to a court, need not judge their merit, and may act without notice
If there are conflicting instructions about the User's Financial Account, or any dispute about it, then without limiting its other rights RSP may refer the conflict or dispute to a court for resolution. If anyone notifies RSP of a dispute, RSP does not need to decide whether it has merit before taking further action. RSP may exercise any of these rights without notice to the User.
Supporting quotations
7.2 Adverse Claims.
If there are conflicting instructions with respect to User’s Financial Account or if there is any dispute regarding User’s Financial Account, then without limiting RSP’s rights under these Stripe Treasury for Platforms Accountholder Terms, RSP may refer the conflict or dispute to a court for resolution. If any person notifies RSP of a dispute, RSP does not need to decide if the dispute has merit before RSP takes further action. RSP may exercise any of these rights without notice to User.
Qualifications & exceptions
RSP may act without notice to the User.
Legal Rights & Agreement Rules · Restriction or exception
You must offer the service and ensure access in line with regulatory requirements, and never cause a violation
The User must (a) make the services available to Accountholders in line with the Financial Account Regulatory Requirements, and (b) make sure Accountholders and Authorized Users access them in compliance with those requirements. It must not, and must make sure Accountholders and Authorized Users do not, take or fail to take any action that could cause a Stripe Entity or an applicable bank to violate any Financial Account Regulatory Requirement. The Requirements are Law and the rules of the electronic funds transfer networks the services use.
Supporting quotations
6. Compliance.
6.1 Generally.
User must (a) make the Stripe Treasury for Platforms Services available to Stripe Treasury for Platforms Accountholders according to the Financial Account Regulatory Requirements; and (b) ensure that Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorized Users access the Stripe Treasury for Platforms Services in compliance with the Financial Account Regulatory Requirements. User must not, and must ensure that Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorized Users do not take or fail to take any action that could cause a Stripe Entity or any applicable Treasury for Platforms Bank to violate any Financial Account Regulatory Requirement.
“Financial Account Regulatory Requirement” means Law and the rules of the electronic funds transfer networks the Stripe Treasury Services use.
Qualifications & exceptions
Covers failures to act as well as actions.
Legal Rights & Agreement Rules · Restriction or exception
You must ensure Accountholders follow the Product Guidelines and run a compliance program
The User must (a) make sure each Accountholder complies with all Product Guidelines, and (b) set up, keep and act under a compliance program that lets and ensures each Accountholder comply with the Financial Account Regulatory Requirements and the Product Guidelines.
Supporting quotations
6.2 Stripe Treasury for Platforms Product Guidelines.
User must (a) ensure that each Stripe Treasury for Platforms Accountholder complies with all Stripe Treasury for Platforms Product Guidelines; and (b) establish, maintain, and act according to a compliance program that will enable and ensure each Stripe Treasury for Platforms Accountholder complies with the Financial Account Regulatory Requirements and the Stripe Treasury for Platforms Product Guidelines.
Not stated here
The terms do not describe the compliance program's required content.
Legal Rights & Agreement Rules · Restriction or exception
You defend and indemnify the Stripe Parties for inaccurate information, Accountholder breaches and negative balances
The User will defend the Stripe Parties against any Claim, and indemnify them for all Stripe Losses, to the extent arising from (a) inaccurate or incomplete information given, including through the Dashboard, to a Stripe Entity or the applicable bank by or for the User or any Accountholder; (b) an Accountholder's breach of the Accountholder Terms; or (c) a negative balance or financial loss or damage caused by the User or an Accountholder.
Supporting quotations
7. Indemnification.
User will defend the Stripe Parties from and against any Claim, and indemnify the Stripe Parties against all Stripe Losses, to the extent arising out of or relating to (a) inaccurate or incomplete information provided (including through the Stripe Treasury for Platforms Dashboard) to a Stripe Entity or the applicable Treasury for Platforms Bank by or on behalf of User or any Stripe Treasury for Platforms Accountholder; (b) a Stripe Treasury for Platforms Accountholder’s breach of the Stripe Treasury for Platforms Accountholder Terms; or (c) a negative balance or financial loss or damage caused by User or a Stripe Treasury for Platforms Accountholder.
Qualifications & exceptions
Covers information given on behalf of the User or any Accountholder.
Includes a duty to defend as well as to indemnify.
Not stated here
Whether any cap applies is not stated in this clause.
Legal Rights & Agreement Rules · Permission or license
Stripe may use its remedies if a User Entity has a negative balance, insolvency, breach, fraud or unacceptable risk
Stripe may use the remedies in Section 8.2 if it determines that a User Entity (a) has a negative Financial Account balance; (b) is or is likely to become subject to an Insolvency Event; (c) has experienced or is likely to experience a deterioration in business or financial condition Stripe considers material; (d) has breached or is likely to breach, or is likely to cause Stripe to breach, the Agreement, another Stripe services agreement or applicable Provider Terms; (e) has violated or is likely to violate Financial Account Regulatory Requirements or Financial Provider Terms; (f) has caused or is likely to cause Stripe to violate them; (g) has experienced or is likely to experience a Change of Control; (h) has itself, or through employees, agents, directors or contractors, started or submitted transactions or taken any action that is or is likely to be fraudulent, suspicious or criminal; (i) has changed its business model without Stripe's prior consent, exposing Stripe to increased risk; or (j) has acted or traded in a way that presents an unacceptable risk.
Supporting quotations
8. Stripe Remedies.
8.1 Triggering Event.
Stripe may exercise any one or more of the remedies stated in Section 8.2 (Stripe Remedies) if Stripe determines that a User Entity:
(a) has a negative Financial Account balance;
(b) is or is likely to become the subject of an Insolvency Event;
(c) has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material;
(d) has breached or is likely to breach, or has caused or is likely to cause Stripe to breach, this Agreement (or any other Stripe services agreement with a Stripe Entity) or the Provider Terms applicable to the User Entity’s use of the Services;
(e) has violated or is likely to violate Financial Account Regulatory Requirements or Financial Provider Terms;
(f) has caused or is likely to cause Stripe to violate Financial Account Regulatory Requirements or Financial Provider Terms;
(g) has experienced or is likely to experience a Change of Control;
(h) has, either itself or by way of its employees, agents, directors or contractors, initiated or submitted Financial Account Transactions or undertaken any other action that is or is likely to be fraudulent, suspicious or involve criminal activity;
(i) has, without Stripe’s prior consent, changed its business model (including services supplied by a User Entity to its customers), exposing Stripe to increased risk; or
(j) has acted in a manner or engaged in business, trading practice or other activity that presents an unacceptable risk.
Qualifications & exceptions
Each trigger depends on Stripe's own determination.
Many triggers apply when the event is merely likely, not yet occurred.
Not stated here
What counts as an unacceptable risk is not defined.
Legal Rights & Agreement Rules · Context
Definition: Stripe Losses cover finally awarded amounts, penalties, fines and third-party costs arising from the Claim
Stripe Losses means all amounts finally awarded to the third party making a Claim, and all penalties, fines and third-party costs, including legal fees, paid by the Stripe Parties, to the extent arising from the Claim. Unlike some other Stripe Losses definitions in the document, this one counts only amounts finally awarded.
Supporting quotations
“Stripe Losses” means all amounts finally awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Stripe Parties, to the extent arising from the Claim.
Qualifications & exceptions
Only amounts finally awarded to the claimant count.
Legal Rights & Agreement Rules · Permission or license
UK: you authorise RSP to comply with Legal Process without checking validity, and to charge fees and costs
The User authorises RSP to comply with each Legal Process relating to the User or its Financial Account that RSP or its platform receives, without needing to decide whether it was validly issued or is enforceable. If a Transaction Hold is in effect, RSP may continue to charge all applicable fees even if the account cannot be closed. RSP may charge a fee for, and recover Stripe's costs of, complying with each Legal Process, and if the Regulatory Requirements permit will deduct them from the Available Treasury for Platforms Balance. A Transaction Hold is a restriction on funds availability Stripe places.
Supporting quotations
5.4 Legal Process.
User authorises RSP to comply with each Legal Process relating to User or User’s Financial Account that RSP or User’s Stripe Connect Platform receives, without needing to determine whether that Legal Process was validly issued or is enforceable. If a Transaction Hold is in effect, RSP may continue to charge all applicable fees, even if User’s Financial Account cannot be closed. RSP may charge User a fee for, and recover Stripe’s costs incurred in, complying with each Legal Process. If the Financial Account Regulatory Requirements permit, RSP will deduct those fees and costs from User’s Available Treasury for Platforms Balance.
“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
RSP need not check that the Legal Process is valid or enforceable.
Legal Rights & Agreement Rules · Restriction or exception
UK: you must help RSP and your platform investigate and prosecute claims about unauthorised transactions
The User must help RSP and its Stripe Connect Platform investigate, and prosecute related claims for, unauthorised Financial Account Transactions by completing the statements and reports they reasonably request.
Supporting quotations
(b) Assistance in Investigations. User must assist RSP and User’s Stripe Connect Platform in the investigation and related prosecution of claims for unauthorised Financial Account Transactions by completing the appropriate statements and reports that RSP or User’s Stripe Connect Platform reasonably requests.
Qualifications & exceptions
Requests must be reasonable.
Legal Rights & Agreement Rules · Permission or license
UK: Stripe may refer conflicting instructions or disputes to a court and need not judge their merit or give notice
If there are conflicting instructions about the User's Treasury for Platforms Account, or any dispute about it, then without limiting its other rights Stripe may refer the conflict or dispute to a court. If anyone notifies Stripe of a dispute, Stripe does not need to decide whether it has merit before taking further action. Stripe may exercise any of these rights without notice to the User.
Supporting quotations
10.2 Adverse Claims.
If there are conflicting instructions with respect to User’s Stripe Treasury for Platforms Account or if there is any dispute regarding User’s Stripe Treasury for Platforms Account, then without limiting Stripe’s rights under these Stripe Treasury for Platforms Accountholder Terms, Stripe may refer the conflict or dispute to a court for resolution. If any person notifies Stripe of a dispute, Stripe does not need to decide if the dispute has merit before Stripe takes further action. Stripe may exercise any of these rights without notice to User.
Qualifications & exceptions
Stripe may act without notice to the User.
Legal Rights & Agreement Rules · Restriction or exception
UK: where regulation voids liability limits for missed or unauthorised payments, liability is capped at face value
To the extent the Financial Account Regulatory Requirements invalidate or make unenforceable limits or exclusions of liability of RSP and its Affiliates for failing to stop payment on a Financial Account Transaction, or paying an unauthorised one, the Stripe Parties' aggregate liability for those circumstances is limited to the face value of the transaction.
Supporting quotations
11. Limitation of Liability.
To the extent that the Financial Account Regulatory Requirements invalidate or render unenforceable any limitations or exclusions of liability of RSP and its Affiliates under this Agreement with respect to failing to stop payment on a Financial Account Transaction, or paying an unauthorised Financial Account Transaction, then the Stripe Parties’ aggregate liability with respect to those circumstances will be limited to the face value of the Financial Account Transaction.
Qualifications & exceptions
Applies only to the extent the Regulatory Requirements invalidate other limits.
Legal Rights & Agreement Rules · Restriction or exception
UK: you must offer the service within regulatory requirements, give Stripe a test account and ensure business-only use
The User must (a) make the services available to Accountholders in line with the Financial Account Regulatory Requirements; (b) make sure Accountholders and Authorised Users access them in compliance with those requirements; (c) not, and make sure Accountholders and Authorised Users do not, take or fail to take any action that could cause Stripe or its Affiliates to violate any Regulatory Requirement; (d) on request, give Stripe a Treasury for Platforms Account on the User's platform and enable access to features Stripe may use to test and monitor the User's use and compliance; and (e) make sure Accountholders and Authorised Users use the services for business purposes only.
Supporting quotations
6. Compliance.
6.1 Generally.
User must:
(a) make the Stripe Treasury for Platforms Services available to Stripe Treasury for Platforms Accountholders according to the Financial Account Regulatory Requirements;
(b) ensure that Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorised Users access the Stripe Treasury for Platforms Services in compliance with the Financial Account Regulatory Requirements;
(c) not, and must ensure that Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorised Users do not, take or fail to take any action that could cause Stripe or any of its Affiliates to violate any Financial Account Regulatory Requirement;
(d) upon request, provide Stripe with a Stripe Treasury for Platforms Account on User's platform, and enable access to features (as needed) that Stripe may use to test and monitor User's use of, and compliance with, these Terms; and
(e) ensure that Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorised Users use the Stripe Treasury for Platforms Services for business purposes only.
“Financial Account Regulatory Requirement” means Law and the rules of the electronic funds transfer networks the Stripe Treasury Services use.
Qualifications & exceptions
Covers failures to act as well as actions.
The test account and feature access are on Stripe's request.
Legal Rights & Agreement Rules · Restriction or exception
UK: you must ensure Accountholders follow the Product Guidelines and run a compliance program
The User must (a) make sure each Accountholder complies with all Product Guidelines, and (b) set up, keep and act under a compliance program that lets and ensures each Accountholder comply with the Financial Account Regulatory Requirements and the Product Guidelines.
Supporting quotations
6.2 Stripe Treasury for Platforms Product Guidelines.
User must (a) ensure that each Stripe Treasury for Platforms Accountholder complies with all Stripe Treasury for Platforms Product Guidelines; and (b) establish, maintain, and act according to a compliance program that will enable and ensure each Stripe Treasury for Platforms Accountholder complies with the Financial Account Regulatory Requirements and the Stripe Treasury for Platforms Product Guidelines.
Not stated here
The terms do not describe the compliance program's required content.
Legal Rights & Agreement Rules · Restriction or exception
UK: you defend and indemnify the Stripe Parties, including for push-payment fraud reimbursement claims and transactions
The User will defend and indemnify the Stripe Parties against any Claim, and indemnify them for all Stripe Losses, including claims for reimbursement relating to authorised push payment fraud, arising out of or relating to (a) inaccurate or incomplete information given to a Stripe Entity by or for the User or any Accountholder; (b) an Accountholder's breach of the Accountholder Terms; (c) a negative balance or financial loss or damage caused by the User or an Accountholder; or (d) Financial Account Transactions. Compared with the US version, this adds the push-payment fraud reimbursement claims and item (d), covering transactions generally.
Supporting quotations
9. Indemnification.
User will defend and indemnify the Stripe Parties from and against any Claim, and indemnify the Stripe Parties for all Stripe Losses (including claims for reimbursement relating to authorised push payment fraud) arising out of or relating to (a) inaccurate or incomplete information provided to a Stripe Entity by or on behalf of User or any Stripe Treasury for Platforms Accountholder; (b) a Stripe Treasury for Platforms Accountholder’s breach of the Stripe Treasury for Platforms Accountholder Terms; (c) a negative balance or financial loss or damage caused by User or a Stripe Treasury for Platforms Accountholder; or (d) Financial Account Transactions.
Includes a duty to defend as well as to indemnify.
Not stated here
Whether any cap applies is not stated in this clause.
Legal Rights & Agreement Rules · Restriction or exception
UK: your liability for Accountholders, and for failing to obtain their binding acceptance of the terms, is not limited
Notwithstanding any provision of the Agreement, including any precedence or interpretation clause, there is no limitation or exclusion of the User's liability for Accountholders, or for its failure to get each Accountholder's binding acceptance of the Accountholder Terms as the Agreement requires.
Supporting quotations
10.2 User's Liability for Stripe Treasury for Platforms Accountholders.
Notwithstanding any provision of this Agreement (including any precedence or interpretation clause), there is no limitation or exclusion in relation to User's liability for Stripe Treasury for Platforms Accountholders, or for User's failure to acquire binding acceptance by each Stripe Treasury for Platforms Accountholder of the Stripe Treasury for Platforms Accountholder Terms in accordance with this Agreement.
Qualifications & exceptions
Applies notwithstanding any precedence or interpretation clause.
Legal Rights & Agreement Rules · Permission or license
UK: Stripe may use its remedies if a User Entity has a negative balance, insolvency, breach, fraud or unacceptable risk
Stripe may use the remedies in Section 11.2 if it determines that a User Entity (a) has a negative Financial Account balance; (b) is or is likely to become subject to an Insolvency Event; (c) has experienced or is likely to experience a material deterioration in business or financial condition; (d) has breached or is likely to breach, or is likely to cause Stripe to breach, the Agreement or another Stripe services agreement; (e) has violated or is likely to violate Financial Account Regulatory Requirements; (f) has caused or is likely to cause Stripe to violate them; (g) has experienced or is likely to experience a Change of Control; (h) has itself, or through employees, agents, directors or contractors, started or submitted transactions or taken any action that is or is likely to be fraudulent, suspicious or criminal; (i) has changed its business model without Stripe's prior consent, exposing Stripe to increased risk; or (j) has acted or traded in a way that presents an unacceptable risk.
Supporting quotations
11. Stripe Remedies.
11.1 Triggering Event.
Stripe may exercise any one or more of the remedies stated in Section 11.2 (Stripe Remedies) if Stripe determines that a User Entity:
(a) has a negative Financial Account balance;
(b) is or is likely to become the subject of an Insolvency Event;
(c) has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material;
(d) has breached or is likely to breach, or has caused or is likely to cause Stripe to breach, this Agreement (or any other Stripe services agreement with a Stripe Entity);
(e) has violated or is likely to violate Financial Account Regulatory Requirements;
(f) has caused or is likely to cause Stripe to violate Financial Account Regulatory Requirements;
(g) has experienced or is likely to experience a Change of Control;
(h) has, either itself or by way of its employees, agents, directors or contractors, initiated or submitted Financial Account Transactions or undertaken any other action that is or is likely to be fraudulent, suspicious or involve criminal activity;
(i) has, without Stripe’s prior consent, changed its business model (including services supplied by a User Entity to its customers), exposing Stripe to increased risk; or
(j) has acted in a manner or engaged in business, trading practice or other activity that presents an unacceptable risk.
Qualifications & exceptions
Each trigger depends on Stripe's own determination.
Many triggers apply when the event is merely likely, not yet occurred.
Not stated here
What counts as an unacceptable risk is not defined.
Legal Rights & Agreement Rules · Context
Definition: Stripe Losses cover awarded amounts, penalties, fines and third-party costs including legal fees
Stripe Losses means all amounts awarded to the third party making a Claim, and all penalties, fines and third-party costs, including legal fees, paid by the Stripe Parties.
Supporting quotations
“Stripe Losses” means all amounts awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Stripe Parties.
Legal Rights & Agreement Rules · Permission or license
You authorize RSP to comply with Legal Process without checking its validity, and to charge fees and costs for doing so
The User authorizes RSP to comply with each Legal Process relating to the User or its Financial Account that RSP or the User's platform receives, without needing to decide whether it was validly issued or is enforceable. If a Transaction Hold is in effect, RSP continues to charge all applicable fees even though the account cannot be closed. RSP may charge a fee for, and recover its costs of, complying with each Legal Process, and if the Regulatory Requirements permit will deduct them from the Available Balance. Legal Process is a writ of attachment, lien, levy, subpoena, warrant or other legal order, and a Transaction Hold is a restriction on funds availability Stripe places.
Supporting quotations
4.5 Legal Process.
User authorizes RSP to comply with each Legal Process relating to User or User’s Financial Account that RSP or User’s Stripe Connect Platform receives, without needing to determine whether that Legal Process was validly issued or is enforceable. If a Transaction Hold is in effect, RSP will continue to charge all applicable fees, even though User’s Financial Account cannot be closed. RSP may charge User a fee for, and recover RSP’s costs incurred in, complying with each Legal Process. If the Financial Account Regulatory Requirements permit, RSP will deduct those fees and costs from User’s Available Balance.
“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
RSP need not check that the Legal Process is valid or enforceable.