Last updated: October 8, 2025

1. Global Financial Account Services.

1.1 Operation of these terms. These terms (“Global Financial Account Terms”) supplement the Agreement and govern your use of the Global Financial Account Services. Capitalized terms that are not defined in these Global Financial Account Terms have the same meanings given to them in the Stripe Services Agreement. 

1.2 Preview Service. The Global Financial Account Services are Preview Services. Stripe reserves the right to update these terms, and will notify you as Law requires.   

1.3 Description of Global Financial Account Services. The Global Financial Account Services enable you to make or accept Global Financial Transactions and store funds.  

1.4 E-Money Issuer. Your Global Financial Account is an E-money account. Stripe PSP is the issuer of the E-money held in your Global Financial Account. 

2. Services and Support.

2.1 Information Provided to Stripe.

(a) You must, if requested by Stripe, provide information about a Global Financial Transaction, including the source of funds. Stripe may prohibit, disable, or limit your use of the Global Financial Account Services until Stripe is satisfied that it has received sufficient information relating to each Global Financial Transaction or other use of the Global Financial Account Services.

(b) You are responsible for providing accurate and complete payment instructions, and for verifying the accuracy and completeness of any payment instructions and details that you provide in respect of a Global Financial Transaction.  

(c) If you believe that there is an error in a Global Financial Transaction, or an unauthorized Global Financial Transaction has occurred, you must notify Stripe and provide all information requested by Stripe immediately and without undue delay, and no later than 13 months from the date that Global Financial Transaction appears on your Global Financial Account. 

2.2 Use of VBANs. Unless otherwise agreed in writing by Stripe, any VBAN issued for the Global Financial Account Services must only be used in connection with the Global Financial Account Services. You are responsible for maintaining the security of the VBAN and preventing its misuse. Stripe, its Affiliates, and Stripe’s Financial Partners will not be liable for any losses, damages, or costs arising out of or related to your use or disclosure of the VBAN. A VBAN is not an account at a Financial Account Bank.

2.3 Timing of Global Financial Transactions.

(a) Stripe will make a Global Financial Transaction in accordance with the time periods stated in the Documentation unless a Global Financial Transaction Delay occurs or Stripe exercises a right under the Agreement or as permitted by Law to withhold or delay the Global Financial Transaction.

(b) If after final settlement of any Global Financial Transaction, you or any third party asserts a claim alleging that the Global Financial Transaction was altered, contained a forged or unauthorized signature or endorsement, or was not properly payable for any reason, then Stripe PSP may place a Transaction Hold for the amount of the Global Financial Transaction from your Global Financial Account until the claim is finally investigated and resolved.

2.4 Future Releases. If Stripe releases updates to the Global Financial Account Services to expand or change (a) product functionality; (b) Supported Currencies; (c) Global Financial Transaction types; (d) Global Financial Account Territories; (e) Fees; or (f) any other aspects of the Global Financial Account Services, Stripe may communicate these updates and any additional terms associated with the changes by publishing an update to these Global Financial Account Terms, the Stripe Website, the Documentation, the Pricing Page, or such other means as Stripe determines in its discretion, and Stripe will notify you as Law requires. Your use of the updated Global Financial Account Services constitutes acceptance of any additional terms communicated under this Section.

3. Transactions on Your Global Financial Account.

3.1 Liability for Unauthorised Transactions. Stripe will reimburse you for any unauthorised Global Financial Transaction where Stripe determines that you have not authorised the underlying Global Financial Transaction, provided that you will be liable for the first £35 of any unauthorised Global Financial Transaction where Stripe reasonably believes you should have been aware of the unauthorised use. 

However, Stripe will not be liable for any unauthorised transaction where (a) you used a Global Financial Account for an Unauthorised Purpose or with intent or gross negligence, failed to use the Global Financial Account in accordance with these Global Financial Account Terms, including to take all reasonable steps to keep account credentials and the devices on which you access your Global Financial Account secure and confidential at all times; or (b) you failed to immediately notify Stripe of the unauthorised use. 

If Stripe reimburses you for an unauthorised or incorrectly executed Global Financial Transaction and subsequently determines that the relevant Global Financial Transaction was duly authorised and correctly executed, Stripe may recoup or set off an amount equal to that reimbursed amount from your Global Financial Account.

3. 2 Reimbursements of Authorised Push Payments. Stripe will reimburse you for relevant Global Financial Transactions as and when required to comply with the Global Financial Regulatory Requirements relating to authorised push payment scams. If you believe that you have been subject to an authorised push payment scam, you must immediately report any such Global Financial Transactions through the Stripe Dashboard. 

3.3 Global Financial Transactions. 

(a) Adding Funds to your Global Financial Account. You may add funds into a Global Financial Account via the funding mechanisms Stripe makes available. Stripe is not responsible for any funds transferred, and will not record them as available in a Global Financial Account, until actually received by Stripe. Global Financial Transactions and Available Balance are available to view in your Stripe Dashboard.

(b) Authorization. You authorize Stripe to make any Global Financial Transaction requested by you. Stripe will deduct the amount of each Outbound Transaction that you initiate from the Available Balance even if the transaction has not yet been completed. If an initiated Global Financial Transaction cannot be completed, Stripe may retry the Global Financial Transaction, or complete the Global Financial Transaction in multiple transactions. If that Global Financial Transaction still cannot be completed, Stripe will notify you.

(c) No Overdraft Features. There is no overdraft feature associated with your Global Financial Account. If your Global Financial Account has a negative balance, you must transfer sufficient funds into the Global Financial Account to render the balance positive.  

4. Taxes and Currency Conversion.

4.1 Taxes. You are responsible for the payment or withholding of any applicable Taxes and the completion of any Tax reporting for yourself and on behalf of your Recipient, if required, in connection with the Global Financial Account Services.

4.2 Currency Conversion. If a requested Global Financial Transaction requires a currency conversion, then the exchange rate used for that conversion will be determined as stated in the Documentation. Where currency conversion is part of a Global Financial Transaction, any quoted payout amounts and associated fees are estimates, and may fluctuate based on changes in the exchange rate that applies when the currency conversion takes place.

5. Privacy and Data Use. 

5.1 Permitted Uses. You authorize Stripe and its Affiliates to share, unless prohibited by Global Financial Regulatory Requirements, information, including Personal Data, about you, your Global Financial Account, Recipients, and Global Financial Transactions, with third parties (including our Financial Partners): (a) to enable you to open the Global Financial Account and complete Global Financial Transactions; (b) for the provisioning of VBANs; (c) in connection with investigating any claim you make; (d) to comply with Global Financial Regulatory Requirements; (e) to comply with an arbitration order; or (f) as otherwise disclosed or permitted by these Global Financial Account Terms, Stripe’s Privacy Policy, or the Agreement.  

6. Representations and Warranties.

You represent on the date you first use the Global Financial Account Services, and warrant at all times during your use of the Global Financial Account Services, that:

(a) you do not use the Global Financial Account to send any payment to any bank or financial institution account outside of the Global Financial Account Territory or to receive any payment from any account located outside the Global Financial Account Territory; 

(b) your use of the Global Financial Account Services and performance of your obligations under these Global Financial Account Terms comply with all Global Financial Regulatory Requirements; and

(c) you do not use the Global Financial Account to provide funds transfer services to third parties.  

7. Disclaimers.

7.1 Availability. Stripe does not offer service levels for the Global Financial Account Services. 

7.2 Reliance. Your reliance on the Global Financial Account Services is at your own risk. Stripe is not liable for any losses, damages, or costs arising out of or relating to the accuracy (or inaccuracy) of the Global Financial Account Services, and any actions that you may take based on the Global Financial Account Services. You acknowledge that Global Financial Transactions may be sent to the wrong account if you provide Stripe with inaccurate or incomplete information (including due to compromise or fraud).

7.3 General Disclaimer. Stripe provides the Global Financial Account Services “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 its performance under these Global Financial Account Terms, the Global Financial Account Services, Financial Partners, and the Documentation, including as related to availability, the implied warranties of fitness for a particular purpose, merchantability and non-infringement, and the implied warranties arising out of any course of dealing, course of performance or usage in trade.

8. Term and Termination.

These Global Financial Account Terms will apply until the first to occur of (a) Stripe making the Global Financial Account Services generally available to all Stripe users in the Global Financial Account Territory; (b) Stripe notifying you that it will stop offering the Global Financial Account Services to you (which Stripe may decide to do at any time, in its discretion); (c) you ceasing to use the Global Financial Account Services in accordance with these Global Financial Account Terms; or (d) termination of the Agreement. If Stripe makes the Global Financial Account Services generally available to all Stripe users in the Global Financial Account Territory, your continued use of Global Financial Account Services will be subject to terms and Fees that Stripe may specify at that time.

9. Global Payouts Service.

9.1 Description of Global Payouts Service. The Global Payouts Service enables you to make Outbound Transactions to Recipients. When Stripe makes an Outbound Transaction to a Recipient on your behalf, it does not create a direct relationship between Stripe and the Recipient.

9.2 Transaction Limits. There may be limits on the number and value of Outbound Transactions that you can make from your Global Financial Account, which, if applicable, are described on the Stripe Dashboard or otherwise communicated to you by Stripe. You may not initiate an Outbound Transaction that is greater than the Available Balance of your Global Financial Account. Stripe in its discretion may allow Outbound Transactions that exceed applicable limits or temporarily reduce your limits from time to time without notice, unless Global Financial Regulatory Requirements require otherwise. Stripe may change the limits at any time, in its sole discretion.

9.3 Outbound Transaction. An Outbound Transaction extinguishes any payout liability that Stripe may have in respect of the payout amount. You acknowledge that once an Outbound Transaction has commenced, it cannot be cancelled or reversed, and Stripe may not be able to retrieve funds sent via an Outbound Transaction. If Stripe is able to retrieve the funds, then Stripe may charge you the costs incurred for that retrieval. Once the Outbound Transaction is made, this will result in a redemption of E-money on par with the value of that Outbound Transaction

9.4 Privacy Policies. You must include, in any applicable contracts between you and your Recipients, a link to Stripe’s Privacy Policy, and state that you use Stripe as your payment services provider and that Stripe processes Recipients’ data in accordance with its Privacy Policy.

10. Definitions.

As used in these Global Financial Account Terms, the following terms have the meanings specified below:

“Agreement” means the Stripe Services Agreement between you and Stripe, or other written agreement with Stripe or its Affiliate governing your use of the Services, including all terms applicable to the Stripe Payments Services. 

“Available Balance” means the amount of funds available in the Global Financial Account.

“Balance Transfer” means a transfer from your own Stripe Account, to your Global Financial Account, in accordance with the Global Financial Account Terms. 

“Cross-Border Payout” means an Outbound Payment that is sent to a Recipient located in a Global Financial Account Territory that is not your Global Financial Account Territory.

“Financial Account Bank” means a bank at which Stripe maintains your funds in connection with the Global Financial Account Services. 

“Global Financial Account” means the account that Stripe provides to you as part of the Global Financial Account Services.

“Global Financial Account Services” means the Preview Services that enable you to (a) access a Global Financial Account; (b) fund a Global Financial Account with a Received Credit or with a Balance Transfer; (c) use the Global Payouts Service; and (d) engage in other permitted Global Financial Transactions; as further described in the Documentation. 

“Global Financial Account Territory” means the territories Stripe may make available from time to time for Outbound Transactions or other permitted Global Financial Transactions as separately communicated to you.

“Global Financial Regulatory Requirement” means Law and the rules of the Global Financial Transfer Networks. 

“Global Financial Transaction” means an Inbound Transaction or an Outbound Transaction.

“Global Financial Transaction Delay” means a delay of a Global Financial Transaction caused by (a) the unavailability of, or delay by, a Financial Partner (including a Card Network or clearing network), Governmental Authority, telecommunications provider, or internet service provider, including as a result of a Financial Partner’s default, insolvency, or bankruptcy; (b) incorrect information, such as a bank account number, provided to Stripe; (c) your equipment, software, or other technology; (d) a Force Majeure Event; (e) fraud or sanction screening required or requested by Stripe, its Financial Partners, or recipient banks; or (f) the recipient bank not being directly integrated with the clearing system used by Stripe or the type of recipient bank account not being supported by Stripe (e.g. a savings account, money market or investment account, multi-currency account, or foreign or correspondent account).

“Global Financial Transfer Network” means the electronic funds transfer networks the Global Financial Account Services use, including any applicable  Card Network and bank transfer network.

“Global Payouts Service” means the Preview Service that enables you to make Outbound Transactions to Recipients.

“Inbound Transaction” means any Received Credit, Balance Transfer, or any other entry or transaction that increases the Available Balance, that Stripe may permit from time to time, in its discretion.

“Outbound Payment” means a payment from the Global Financial Account to a Recipient.

“Outbound Transaction” means an Outbound Payment, Outbound Transfer, or any other entry or transaction that subtracts from the Available Balance that Stripe may permit from time to time in its sole discretion.

“Outbound Transfer” means a transfer from the Global Financial Account to your own external  bank or other  financial institution account.  

“Received Credit” means the funds added to a Global Financial Account in a Supported Currency from an external bank account via the bank transfer, domestic wire, or other supported funding methods.

“Recipient” means a third party to which Stripe enables you to initiate Outbound Transactions via the Global Financial Account Services.

“Stripe Services Agreement” means the agreement available at https://stripe.com/[countrycode]/legal/ssa, where “[countrycode]” means the two-letter abbreviation for the country where your Stripe Account is located. 

“Supported Currency” means a currency supported under the Global Financial Account Services as communicated to you by Stripe. 

“Transaction Hold” means a restriction on the availability of funds in a Global Financial Account or on your ability to effect a Global Financial Transaction that Stripe places as a result of delayed funds availability, Legal Process, or other reason.

“Unauthorised Purpose” means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Global Financial Account Services.

“VBAN” means the virtual account number associated with your Global Financial Account that is provisioned by a Financial Account Bank.