Last updated: September 30, 2026

1. Stripe Treasury for Platforms Services.

These terms (“Stripe Treasury for Platforms - Platform Terms”) supplement the General Terms, the Stripe Financial Services Terms, and the Stripe Connect Infrastructure Terms, and govern User’s ability to offer the Stripe Treasury for Platforms Services to Connected Accounts. These Stripe Treasury for Platforms - Platform Terms do not apply to User’s use of the Stripe Treasury for Platforms Services for User’s own business purposes. If User wishes to use the Stripe Treasury for Platforms Services for those purposes, then the Stripe Treasury for Platforms Accountholder Terms will apply to User as a Stripe Treasury for Platforms Accountholder, except that references to “Stripe Connect Platform” in those terms are also references to User. Capitalized terms that are not defined in these Stripe Treasury for Platforms - Platform Terms have the same meanings given to them in the General Terms, the Stripe Financial Services Terms and the Stripe Connect Infrastructure Terms.

2. Authorised Representative.

2.1 Appointment.

Stripe is the holder of an Australian Financial Services License granted by ASIC under the Corporations Act (“AFSL”) and appoints User as Stripe’s Authorised Representative for the purposes of section 916A(1) of the Corporations Act and related legal and regulatory requirements; in respect of the Applicable Financial Services and subject to the Applicable Requirements. By offering Stripe Treasury, User consents to the appointment. Under this appointment, User may, but is not required, to provide the Applicable Financial Services as Authorised Representative.

2.2 Conditions of Appointment.

User agrees:

(a) to provide the Applicable Financial Services in an efficient, honest and fair manner, and otherwise in accordance with the Applicable Requirements;

(b) to select, appoint and supervise Representatives in accordance with clause 2.3 and ensure that User and each Representative, as applicable maintains the competence, training, education and experience necessary to provide the Applicable Financial Services; and participates in all initial and ongoing training and education programs as reasonably required by Stripe;

(c) to maintain, and allow Stripe to access, such information and other records relating to the Applicable Financial Services as is reasonably necessary to demonstrate compliance with the Applicable Requirements;

(d) to immediately notify Stripe of any Notifiable Matters;

(e) to provide all information, documentation and general assistance reasonably requested by Stripe which allows Stripe to: (i) evaluate User and its Representatives’ performance in connection with the Applicable Financial Services and compliance with the Applicable Requirements; and (ii) satisfy itself that Stripe has complied with its obligations in relation to the appointment of User as an Authorised Representative;

(f) to obtain the prior written consent of Stripe before User, or a Representative, agrees to provide any financial services on behalf of any other person;

(g) not to cause Stripe to breach any condition of its AFS licence or to breach any law by which Stripe is bound;

(h) not to amend, vary or modify any documents or other materials provided by Stripe unless Stripe provides its prior written consent;

(i) to co-operate with Stripe in the investigation and resolution of any complaint by, or dispute with, a Connected Account relating to the provision of the Applicable Financial Services by User or a Representative; and

(j) not to otherwise act in a manner which brings the reputation of Stripe into disrepute.

2.3 User’s Representatives.

(a) Stripe consents, for the purposes of section 916B(3) of the Corporations Act, to User authorising any employees of User to provide the Applicable Financial Services, subject to compliance with this clause 2.3 and other Applicable Requirements.

(b) User agrees to:

• (i) ensure that each Representative is appointed in the manner directed by Stripe;
• (ii) inform Stripe within 7 business days of the appointment of a Representative. This notification must include:
  • (A) the name and business address of the Representative;
  • (B) details of the authorisation, including the date it was made and what the Representative is authorised to do; and
  • (C) if applicable, the details of any other AFS licensee on behalf of whom the Representative is an authorised representative;
• (iii) ensure that each Representative has available adequate resources (including financial, technological and human resources) to provide the Applicable Financial Services;
• (iv) keep a training record in relation to each Representative of User in accordance with the conditions of Stripe’s AFS licence and make that record available to Stripe on request; and
• (v) provide Stripe any information reasonably requested by Stripe in connection with any Applicable Financial Services provided by a Representative and compliance with Applicable Requirements.

2.4 Duty to Disclose Capacity.

(a) User agrees to ensure that its capacity as an Authorised Representative is clear when providing any Applicable Financial Services, with appropriate disclosure of the same.

(b) User acknowledges that nothing in this agreement results in User or a Representative being:

• (i) the holder of an AFS licence;
• (ii) an employee of Stripe; or
• (iii) in a partnership or joint venture with Stripe, and User agrees that it will not, and will take reasonable steps to ensure that a Representative does not, represent to any person or do anything that may result in a person believing that User or a Representative falls within any of clauses 2.4(b)(i) to (iii).

2.5 Evidence of Authorisation.

User must provide, and procure that each Representative provides, a copy of the User’s Letter of Authority and, where applicable, the Representative’s authorisation from Stripe, in each case on request by any person, free of charge, and as soon as practicable after receiving the request and in any event, within 10 business days after the date on which User received the request.

2.6 Authorisation Procedure.

As soon as practicable after User agrees to these Stripe Treasury for Platforms - Platform Terms, Stripe must provide User with a Letter of Authority and attend to the necessary notification of User’s appointment as an Authorised Representative to ASIC, using ASIC Connect or such other method acceptable to ASIC.

2.7 Revocation, Suspension or Amendment of Authority.

(a) Stripe may at any time revoke the Letter of Authority given to User under this agreement by giving written notice to User.

(b) Stripe may at any time amend, vary or replace any of the terms of the Letter of Authority by giving written notice to User, including by:

• (i) adding or removing any of the specified financial services or any of the financial products in respect of which any such financial services are provided; and
• (ii) applying or removing a restriction or qualification to the Letter of Authority.

(c) An amendment under clause 2.7(b) takes effect after such notice period (if any) as Stripe considers reasonable in the circumstances. Stripe must issue a replacement Letter of Authority to User as soon as reasonably practicable.

(d) Where the Letter of Authority is revoked, suspended or amended by Stripe in accordance with this clause, User must cease, suspend or adjust the Applicable Financial Services, as the case may be and promptly notify any persons appointed as Representatives.

2.8 Certain Stripe Obligations.

(a) Stripe undertakes to do all such things that User reasonably requests in order to enable User to meet its obligations under the Applicable Requirements.

(b) Stripe agrees to take all reasonable steps to promptly provide to User:

• (i) a copy of Stripe’s current AFS licence and any variation to or replacement of the AFS licence;
• (ii) the Licensee Standards;
• (iii) any other directions or requirements of Stripe; and
• (iv) any other information or documents reasonably requested by User, in each case, as applicable from time to time.

2.9 User Representations and Warranties.

User represents and warrants to Stripe that:

(a) User and each Representative:

• (i) has, and will at all times continue to have, the relevant competencies, including knowledge and skill, to properly provide the Applicable Financial Services;
• (ii) is not subject to a banning order made by ASIC, or a disqualification order made by a court, under Division 8 of Part 7.6 of the Corporations Act (or any substantially similar process in any jurisdiction);
• (iii) is not disqualified under the Corporations Act or any other applicable law from managing corporations; and
• (iv) is not a representative of any other person, other than Stripe; or another person, of which Stripe has provided consent in writing; and

(b) any information User provides to Stripe in connection with this agreement and any other Applicable Requirements is accurate, complete and not misleading.

2.10 Stripe Authority.

Stripe represents and warrants that it holds an AFSL which allows it to authorise persons in accordance with section 916A of the Corporations Act to provide the Applicable Financial Services.

3. Access to the Stripe Treasury for Platforms Services.

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

4. Onboarding Connected Accounts.

4.1 General Responsibility.

User must ensure that each Connected Account that wishes to access the Stripe Treasury for Platforms Services successfully completes the onboarding requirements described in Section 4.2 of these Stripe Treasury for Platforms - Platform Terms. A Stripe Entity, as well as the applicable Treasury for Platforms Bank, must approve each Connected Account as part of the onboarding process before the Connected Account uses the Stripe Treasury for Platforms Services.

4.2 Information and Consent.

User must:

(a) submit, or ensure that each Connected Account submits, all Stripe Treasury for Platforms Account Information that Stripe, its Affiliates and the applicable Treasury for Platforms Bank request to verify and screen the Connected Account’s eligibility to access the Stripe Treasury for Platforms Services, and confirm that the Connected Account is not engaging in a Prohibited or Restricted Business;

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

(c) notify each Connected Account if Stripe approves its access to the Stripe Treasury for Platforms Services, and promptly notify a Connected Account that becomes a Stripe Treasury for Platforms Accountholder if Stripe suspends or terminates its access to the Stripe Treasury for Platforms Services; and

(d) notify Stripe Treasury for Platforms Accountholders of all changes to the Stripe Treasury for Platforms Accountholder Terms and ensure that those Stripe Treasury for Platforms Accountholders agree to them. If any Stripe Treasury for Platforms Accountholder does not agree to the modified Stripe Treasury for Platforms Accountholder Terms, then User must immediately stop making the Stripe Treasury for Platforms Services available to that Stripe Treasury for Platforms Accountholder.

5. Responsibility for Stripe Treasury for Platforms Accountholders.

5.1 Stripe Treasury for Platforms Accountholder Terms.

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

5.2 Responsibility for Activity.

User is responsible and liable to Stripe for all Activity on Connected Accounts in connection with the Stripe Treasury for Platforms Services, whether initiated by User or not, including all Financial Account Transactions, associated fines, and any use of the Stripe Treasury for Platforms Services in a manner prohibited under these Stripe Treasury for Platforms Terms, the Stripe Treasury for Platforms Accountholder Terms, or the Connected Account Agreement. User and the relevant Connected Account are jointly and severally liable to Stripe for amounts the Connected Account owes to Stripe, and Stripe may collect these amounts from User in accordance with this Agreement. If Stripe determines that User’s responsibility for Activity on Connected Accounts creates an unacceptable risk to Stripe, Stripe may exercise its remedies listed in Section 9.2 of these Stripe Treasury for Platforms - Platform Terms.

6. Account Management and Support for Stripe Treasury for Platforms Accountholders.

6.1 Dashboard for Stripe Treasury for Platforms Accountholders.

User must provide and maintain a Stripe Treasury for Platforms Dashboard for use by Stripe Treasury for Platforms Accountholders.

6.2 Integration with Stripe API.

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

6.3 Obligation to Pass On Information.

(a) If User elects to be responsible for providing Stripe Treasury for Platforms Accountholder account management and access to the Stripe Treasury for Platforms Services, then User must pass on to the Stripe Treasury for Platforms Accountholders, without changes or deletions, all information that Stripe and its Affiliates make available for User to pass on to them. User must ensure that all information, including account balances, transaction history and customer service issues, that User passes from the Stripe Treasury for Platforms Accountholders to Stripe and its Affiliates is accurate and complete.

(b) User must ensure that Connected Account Data is passed to Stripe in the manner prescribed in the Documentation.

6.4 Communicating Fees.

User must clearly communicate to each Stripe Treasury for Platforms Accountholder all fees (if any) that User charges that are related to the Stripe Treasury for Platforms Services, and specify whether or not those fees are passthrough fees from Stripe.

6.5 Currency Conversion.

If a requested Financial Account Transaction requires a currency conversion, then the exchange rate used for that conversion will be determined as stated in the Documentation. User must communicate to the Stripe Treasury for Platforms Accountholder all requisite/required information about the currency conversion in accordance with the Documentation and the Financial Account Regulatory Requirements.

6.6 Support.

User must provide all support to Stripe Treasury for Platforms Accountholders and Treasury for Platforms Authorised Users according to the Stripe Treasury for Platforms Product Guidelines.

7. Compliance.

7.1 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 Authorised 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 Authorised 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.

7.2 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.

7.3 Marketing.

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

7.4 Stripe Treasury for Platforms Accountholder Consents.

User must obtain all necessary rights and consents from each actual and prospective Stripe Treasury for Platforms Accountholder and Treasury for Platforms Authorised User to (a) provide Personal Data to Stripe and its Affiliates; (b) allow Stripe and its Affiliates to collect, use, retain and disclose that Personal Data; and (c) allow Stripe and its Affiliates to exercise their rights and perform their obligations under these Stripe Treasury for Platforms - Platform Terms and according to Stripe’s Privacy Policy and, any Treasury for Platforms Bank’s Privacy Policy (as applicable). User must, when onboarding Stripe Treasury for Platforms Accountholders, disclose to them that User may provide Personal Data to Stripe, its Affiliates, and applicable Treasury for Platforms Banks, and that Stripe, its Affiliates and applicable Treasury for Platforms Banks may collect, use, retain and disclose Personal Data.

8. 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; (c) a negative balance or financial loss or damage caused by User or a Stripe Treasury for Platforms Accountholder, (d) the provision of the Applicable Financial Services; (e) the conduct of a director of User, or a Representative; (f) any breach of this agreement by User or a Representative (including any breach of a warranty, representation, covenant or obligation owed by User to Stripe); or (g) the appointment of User as an Authorised Representative of Stripe under this agreement or acting as a representative of another AFS licence holder (including liabilities etc arising by operation of Division 6 of Part 7.6 of the Corporations Act). User authorizes Stripe to debit each User Bank Account or Stripe Account, at Stripe’s discretion, to cure any negative balance of a Stripe Treasury for Platforms Accountholder.

9. Stripe Remedies.

9.1 Triggering Event.

Stripe may exercise any one or more of the remedies stated in Section 9.2 of these Stripe Treasury for Platforms - Platform Terms 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;

(j) becomes subject to a banning order made by ASIC, or a disqualification order or other order made by a court, under Division 8 of Part 7.6 of the Corporations Act (or any substantially similar process in any jurisdiction);

(k) is charged with any criminal offence which, in the reasonable opinion of Stripe, brings Stripe into disrepute or gives Stripe reason to believe that User Entity is not of good fame and character; or

(l) has acted in a manner or engaged in business, trading practice or other activity that presents an unacceptable risk.

9.2 Stripe Remedies.

If an event described in Section 9.1 of these Stripe Treasury for Platforms - Platform Terms occurs, then Stripe may do one or more of the following:

(a) establish, fund, and use a Reserve;

(b) debit each User Bank Account, Financial Account, or Stripe Account to cure any negative balance of a Stripe Treasury for Platforms Accountholder;

(c) suspend or terminate User’s ability to submit Financial Account Transactions; and

(d) refuse to process Financial Account Transactions.

10. Fraudulent Transactions.

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

11. Termination.

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

12. Definitions.

“ASIC” means the Australian Securities and Investments Commission.

“Applicable Requirements” means each of the following (a) the terms of this Agreement, (b) the terms of the Letter of Authority, (c) the Licensee Standards, as in force and notified by Stripe to User from time to time, (d) any other directions or requirements of Stripe communicated in writing to User and (e) Law.

“Authorised Representative” has the meaning given to that term in section 916A(1) of the Corporations Act.

“Applicable Financial Services” means the financial services described in the Letter of Authority delivered by Stripe to User.

“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.

“Corporations Act” means the Corporations Act 2001 (Cth).

“Financial Account” means the Stripe Account that Stripe provides to Stripe Treasury for Platforms Accountholders, as part of the Stripe Treasury for Platforms Services.

“Financial Account Regulatory Requirement” means Law and the rules of the electronic funds transfer networks the Stripe Financial Accounts Services use.

“Financial Account Transaction” has the meaning given to that term in the Stripe Treasury Services Terms.

“Letter of Authority” means a written notice authorising User to provide specified financial services on behalf of Stripe.

“Licensee Standards” means the policies, procedures and other controls notified by Stripe to User with which User and its Representatives are expected to comply in connection with the Applicable Financial Services and this Agreement.

“Notifiable Matter” means each of the following circumstances:

(a) Changes to the name and business address of User, the name of each director and secretary of the representative, User’s ABN, and its details for notices under this Agreement.

(b) User can no longer provide the Applicable Financial Services for any reason.

(c) User becomes the holder of an AFSL or an authorised representative of another AFS licensee other than Stripe.

(d) A Connected Account makes a complaint against User or a Representative which, in the User’s reasonable opinion, could materially affect the ability of User or a Representative to provide the Applicable Financial Services.

(e) User becomes subject to an Insolvency Event.

(f) User contravenes any Laws.

(g) User commits a material breach of any other Applicable Requirements.

(h) User or a Representative does any act or omits to do an act that may reasonably be expected to give rise to a contravention by Stripe, User or a Representative of any Laws.

(i) User becomes subject to a banning order made by ASIC, or a disqualification order or other order made by a court, under Division 8 of Part 7.6 of the Corporations Act (or any substantially similar process in any jurisdiction).

(j) User or any of its directors, other officers or Representatives is charged with any criminal offence.

“Privacy Policy” means any or all of a publicly posted privacy policy, privacy notice, data policy, cookies policy, cookies notice, or other similar public policy or public notice that addresses a party’s Personal Data practices and commitments.

“Representative” means a person whom User has authorised to provide Applicable Financial Services in accordance with clause 2.3.

“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 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.

“Stripe Treasury for Platforms Accountholder” means a Connected Account, or Stripe Connect Platform using the Stripe Treasury for Platforms Services for User’s own business purpose, who has successfully completed the onboarding requirements described in the Stripe Treasury for Platforms - Platform Terms.

“Stripe Treasury for Platforms Account Information” means Personal Data or business information that a Stripe Connect Platform provides on behalf of its Connected Accounts to enable Stripe and its Affiliates to (a) determine the Connected Accounts’ eligibility to access the Stripe Treasury for Platforms Services; (b) make the Stripe Treasury for Platforms Services available to Stripe Treasury for Platforms Accountholders; and (c) fulfill their responsibilities to applicable Treasury for Platforms Banks and electronic funds transfer networks that Stripe Treasury for Platforms Services use.

“Stripe Treasury for Platforms Dashboard” means a user interface a Stripe Connect Platform provides that enables a Stripe Treasury for Platforms Accountholder to manage its Financial Account.

“Stripe Treasury for Platforms Product Guidelines” means all product design, marketing, compliance, reporting and other guidelines and requirements established by a Stripe Entity or the applicable Treasury for Platforms Banks from time to time in connection with the Stripe Treasury for Platforms Services, including the Licensee Standards.

“Stripe Treasury for Platforms Services” means the Services that enable a Treasury for Platforms Accountholder to create and maintain a Financial Account where the Treasury for Platforms Accountholder can (a) store, spend, and manage funds; and (b) make electronic payments and funds transfers to and from that account.

“Stripe Treasury for Platforms Territory” means Australia or such other jurisdictions as Stripe may permit in writing.

“Treasury for Platforms Authorised User” means an individual that a Stripe Treasury for Platforms Accountholder authorizes to use the Stripe Treasury for Platforms Services.

“Treasury for Platforms Bank” means a bank through which a Stripe Entity holds Treasury for Platforms Accountholder funds.