Stripe Treasury for Platforms - Connected Accounts (Canada)

Last modified: July 7, 2026

We have translated the English version of this page into French. This translation is for informational purposes only and the definitive version of this page is the English version.

Nous avons traduit la version anglaise de cette page en français. Cette traduction n’est disponible qu’à titre informatif : la version officielle est la version anglaise.

1. Stripe Treasury for Platforms Services.

These terms ("Stripe Treasury for Platforms Accountholder Terms") supplement the General Terms, and together with the Stripe Financial Services Terms, the Stripe Treasury (formerly Financial Accounts) Terms and the Canada Addendum to the Stripe Treasury (formerly Financial Accounts) Terms each of which are incorporated into these terms by this reference, govern the use of the Stripe Treasury for Platforms Services as a Stripe Treasury for Platforms Accountholder. Capitalized terms that are not defined in these terms have the same meanings given to them in the General Terms, the Stripe Financial Services Terms, or the Stripe Treasury (formerly Financial Accounts) Terms. If User is a Stripe Connect Platform using the Stripe Treasury for Platforms Services for User's own business purposes, these Stripe Treasury for Platforms Accountholder Terms apply to User as a Stripe Treasury for Platforms Accountholder, and references to "Stripe Connect Platform" in these terms are also references to User.

2. Use of the Stripe Treasury for Platforms Services.

2.1 Scope.

Stripe Treasury for Platforms Services are money transmission services, and RSP is a payment services provider and registered money services business, as defined under the Financial Account Regulatory Requirements. User must reside in the Stripe Treasury for Platforms Territory to use the Stripe Treasury for Platforms Services. User's Stripe Connect Platform will provide User access to the Stripe Treasury for Platforms Services (if applicable). Subject to the Financial Account Regulatory Requirements and these Stripe Treasury for Platforms Accountholder Terms, User and User's Treasury for Platforms Authorized Users will be able to (a) add funds to User's Financial Account via supported funding methods; and (b) transfer funds from User's Financial Account to any account able to receive funds at any financial institution, as provided in the Documentation.

2.2 Acknowledgment.

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

3. Treasury for Platforms Authorized Users.

3.1 Instructions from Stripe Connect Platform.

User authorizes RSP to accept instructions from User's Stripe Connect Platform with respect to Financial Account Transactions, manage User's Financial Account and take other action on User's Financial Account. User must provide User's Stripe Connect Platform with all information regarding User's Treasury for Platforms Authorized Users, any agent appointed under an applicable power of attorney, and the electronic credentials (such as logins) for User's Financial Account, and User must immediately provide User's Stripe Connect Platform with updated information if that information changes. User must notify User's Stripe Connect Platform at least 5 business days before making any change to (a) User's form of ownership (such as changing from a sole proprietor to a corporation); or (b) User's Treasury for Platforms Authorized Users.

3.2 Agents.

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

3.3 Instructions.

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

4. Operating User's Financial Account.

4.1 Accessing User's Financial Account.

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

4.2 Account Security.

User must keep User's account credentials and the devices on which User accesses User's Financial Account secure and confidential at all times. User must notify RSP immediately at treasury-support@stripe.com if there has been any actual or suspected unauthorized access to User's credentials. In addition to being responsible for Financial Account Transactions conducted on User's Financial Account, User is responsible for all losses, damages and costs that RSP and its Affiliates suffer as a result of User's delay in notifying RSP of the unauthorized access.

4.3 User Obligations.

User must: (a) only use the Stripe Treasury for Platforms Services with respect to a commercial business enterprise organized in the Stripe Treasury for Platforms Territory; (b) not use the Financial Account to send or receive a wire transfer to or from a recipient located outside the Stripe Treasury for Platforms Territory; (c) comply with all Financial Account Regulatory Requirements in connection with User's use of the Stripe Treasury for Platforms Services (d) promptly notify User's Stripe Connect Platform of each change to any information User provides or makes available to RSP and its Stripe Connect Platform in connection with its Financial Account (including all information pertaining to User's country of citizenship, residence, principal place of business, and legal and tax status); and (e) not open a Financial Account for a sole proprietorship unless User is the sole owner of that business, and User must remain the sole owner at all times during the Term.

4.4 Interest.

(a) No Interest Unless Advised. Unless User's Stripe Connect Platform advises User otherwise, User will not earn interest on funds in User's Financial Account. Stripe may be compensated for placing User's funds at a Treasury Bank. (b) Allocation of Interest. If RSP establishes an interest-bearing Custodial Account and User's Stripe Connect Platform informs User that User's Financial Account will bear interest, then RSP will allocate accrued interest under that Custodial Account in the proportion that User's average daily balance during the preceding month bears to the average daily balance of all funds that are held in that Custodial Account over the same time period and calculated on the same basis. RSP will allocate interest to User's Financial Account only in whole cents. Any fractional amount of the interest amount that would otherwise be credited to User's Financial Account that is less than half of one cent will be rounded down and that fractional amount will be carried over to the following month. Any fractional amount of the funds equal to half of one cent or more will be rounded up and that fractional amount will be carried forward as negative accrual to the following month.

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 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.

5. Transactions on User's Financial Account.

5.1 Adding Funds to User's Financial Account.

RSP is not obligated to notify User promptly after funds are added into User's Financial Account. User can confirm via the Stripe Treasury for Platforms Dashboard whether RSP has received a Financial Account Transaction that adds funds to User's Financial Account.

5.2 Transfers from User's Financial Account.

By initiating a transfer from User's Financial Account via the Stripe Treasury for Platforms Dashboard, User authorizes User's Stripe Connect Platform to instruct RSP to make the Financial Account Transaction User specifies. RSP may deduct the amount of each transfer that User's Stripe Connect Platform initiates or approves from User's Available Balance, even if the transfer has not yet been completed.

5.3 Funds Availability.

RSP establishes Cut-Off Times for various Financial Account Transactions and RSP will provide those Cut-Off Times to User through the Stripe Treasury for Platforms Dashboard or otherwise in writing. RSP may change the Cut-Off Time from time to time. Any change to the Cut-Off Time will be effective immediately and without notice to User. User may contact RSP at any time to verify the Cut-Off Time.

5.4 Processing Order.

RSP will process User's Financial Account Transactions on each business day in the following order: (a) first, transfers to User's Financial Account that RSP receives from User's Stripe Connect Platform before the Cut-Off Time will be processed in the order in which RSP receives them, but any amounts credited to User's Financial Account are provisionally credited until those funds clear; and (b) second, transfers from User's Financial Account (e.g., other Financial Account Transactions resulting in deducting funds from User's Financial Account) that RSP receives by the Cut-Off Time will be processed in the order in which RSP receives them. Reversals of provisional credits may occur at any time during this process. RSP may use a different processing order if the Financial Account Regulatory Requirements require.

5.5 No Overdraft Feature.

There is no overdraft feature associated with User's Financial Account. If User's Available Balance is not sufficient to pay for each Financial Account Transaction in the order in which it is processed, RSP may return or reject the Financial Account Transaction, or RSP may permit the Financial Account Transaction to proceed, in which case User's Financial Account may become overdrawn. RSP does not impose a fee when it returns or rejects a Financial Account Transaction for which there are insufficient funds. However, third parties may impose a fee or other charge (such as penalty interest) for dishonored or late payments, and User is solely responsible for those fees and charges.

5.6 User's Right to Stop Payment.

If User wishes to stop any scheduled or preauthorized transfer from User's Financial Account, then User must give User's Stripe Connect Platform instructions to do so in time for the Stripe Connect Platform to instruct RSP at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made. If User scheduled or preauthorized the transfer via the Stripe Treasury for Platforms Dashboard, then User may change or cancel the transfer via the Stripe Treasury for Platforms Dashboard at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made.

5.7 RSP's Right to Refuse.

To the extent the Financial Account Regulatory Requirements do not prohibit the actions listed in this Section, RSP may refuse to complete any Financial Account Transaction, including: (a) if User's Financial Account has insufficient funds to cover a Financial Account Transaction; (b) if RSP is unable to verify ownership of or other information about User's Financial Account, or the individual or entity to or from whom the funds will be transferred; (c) to protect the security of User's Financial Account and RSP's systems; or (d) if the Financial Account Transaction would violate these Stripe Treasury for Platforms Accountholder Terms or the Financial Account Regulatory Requirements.

5.8 Financial Account Transaction Limitations.

There are limits on the number and value of Financial Account Transactions that User may make from User's Financial Account, which are described on the Stripe Treasury for Platforms Dashboard or otherwise disclosed by RSP or User's Stripe Connect Platform. RSP may allow Financial Account Transactions that exceed applicable limits, or temporarily reduce User's limits from time to time without notice (unless the Financial Account Regulatory Requirements require otherwise). RSP or User's Stripe Connect Platform may change the limits at any time.

5.9 Reviewing User's Financial Account Transactions.

(a) Obligation to Review. User must review User's Financial Account history and each Financial Account Transaction as soon as possible. If User believes that there is an error or discrepancy in a Financial Account Transaction, User must notify User's Stripe Connect Platform promptly, and no later than 30 days after User's Stripe Connect Platform makes the Financial Account history available to User (or, if applicable, a longer period stated in the Financial Account Regulatory Requirements). If User believes an unauthorized Financial Account Transaction has been made on User's Financial Account, then User must immediately notify User's Stripe Connect Platform, and in any case within 1 day after User becomes aware. If RSP or User's Stripe Connect Platform requests, User must submit a written statement with details about the unauthorized Financial Account Transaction. If User fails to notify User's Stripe Connect Platform as required under this Section, or User's Stripe Connect Platform does not notify RSP in a timely manner, then losses, damages, or costs User suffers as a result of the unauthorized Financial Account Transaction may not be recoverable, or recovery may be more time consuming or difficult. (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.

5.10 Withholding Financial Account Transactions.

If after final settlement of any Financial Account Transaction, User or any third party asserts a claim to User's Stripe Connect Platform alleging that the Financial Account Transaction was altered, contained a forged or unauthorized signature or endorsement, or was not properly payable for any reason, then RSP may withhold the amount of the Financial Account Transaction from User's Financial Account until the claim is finally investigated and resolved.

User is responsible for all Financial Account Transactions on User's Financial Account, whether or not they are authorized. To the maximum extent permitted by Law, the Stripe Parties and the Treasury Bank will not be liable to User, User's Affiliates, or any third party for any losses, damages, or costs arising out of or relating to: (a) a failed Financial Account Transaction on User's Financial Account, including if RSP decides to refuse to pay or decline any Financial Account Transaction or if a Financial Account Transaction fails due to circumstances outside of RSP's control; (b) RSP or User's Stripe Connect Platform completing a Financial Account Transaction or otherwise acting in reliance upon any incorrect or incomplete information provided or made available to RSP or User's Stripe Connect Platform; (c) RSP's refusal to comply with User's Stripe Connect Platform's instructions under Section 3.3 of these Stripe Treasury for Platforms Accountholder Terms; or (d) any correspondent bank's negligence or failure, or funds lost in transit.

6. Fees and Security.

6.1 Fee Disclosure.

User's Stripe Connect Platform is responsible for disclosing to User all applicable fees (if any) that apply to User's use of the Stripe Treasury for Platforms Services. User's Stripe Connect Platform will disclose those fees at the time User requests access to the Stripe Treasury for Platforms Services and will disclose any changes before they take effect.

6.2 User's Responsibility for Disputes.

To the maximum extent permitted by Law, User is liable to RSP for all losses, damages, and costs that RSP incurs as a result of any dispute involving User's Financial Account, including as a result of relying on User's Stripe Connect Platform's representations or instructions. User authorizes RSP to (i) deduct these losses, damages, and costs from funds in User's Financial Account; or (ii) set them off in accordance with Section 6.3 of these Stripe Treasury for Platforms Accountholder Terms with or without prior notice to User.

6.3 Setoff.

RSP may deduct, recoup or setoff all fees User owes RSP (if any) from funds in User's Financial Account, even if this would cause an overdraft. Alternatively, RSP may invoice User for some or all of those fees on a monthly basis in arrears, and User must pay the fees within 30 days after the date of the invoice.

7. Closing User's Financial Account.

7.1 Closing User's Financial Account.

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

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.

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.

"Custodial Account" means a custodial account that RSP maintains, in its name, at the Treasury Bank, for the benefit of all accountholders using the Treasury Services.

"Cut-Off Time" means the time on a business day by which RSP must receive an instruction or Financial Account Transaction request in order to process that instruction or request on the same day.

"Treasury for Platforms Authorized User" means an individual that a Stripe Treasury for Platforms Accountholder authorizes to use the Stripe Treasury for Platforms Services.

"Hold" means a restriction on the availability of funds in a Financial Account that a Stripe Entity places as a result of delayed funds availability, Legal Process, or other reason.

"Legal Process" means a writ of attachment, lien, levy, subpoena, warrant, or other legal order.

"Reversal" means the reversal of the settlement of funds for a Transaction.

"Stripe Connect Platform" means a platform provider that uses the Stripe Connect Services.

"Stripe Connect Services" means (a) if User is a Stripe Connect Platform, the Services that allow User to (i) create, manage and enable Services for User's Connected Accounts, as described in the Stripe Connect Infrastructure Terms; and (ii) enable User or User's Connected Accounts to use the Stripe Payments Services, as described in the Stripe Connect Terms (if applicable); or (b) if User is a Connected Account, the Services described in the Connected Account Agreement.

"Stripe Treasury for Platforms Accountholder" means a Connected Account, or Stripe Connect Platform using the Stripe Treasury for Platforms Services for User's own business purpose, who has successfully completed the onboarding requirements 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 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 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 Canada.