Last modified: February 9, 2026

These Stripe FA for Platforms UK Accountholder Preview Terms of Service (“Stripe FA for Platforms Accountholder Terms”) supplement the General Terms, and together with the Stripe Financial Services Terms and the Stripe Financial Account Terms, govern your use of the Stripe FA for Platforms Services as a Stripe FA for Platforms Accountholder. If you are a Stripe Connect Platform using the Stripe FA for Platforms Services for your own business purposes, these Stripe FA for Platforms Accountholder Terms apply to you as a Stripe FA for Platforms Accountholder, and references to “Stripe Connect Platform” in these terms are also references to you. Capitalised terms used in these Stripe FA for Platforms Accountholder Terms that are not defined inline or elsewhere in the Agreement are defined in Section 12.

1. Overview

1.1 Stripe FA for Platforms Services.

You must reside in the Stripe FA for Platforms Territory to use the Stripe FA for Platforms Services. Your Stripe Connect Platform will provide you access to the Stripe FA for Platforms Services (if applicable). Subject to the FA for Platforms Regulatory Requirements and these Stripe FA for Platforms Accountholder Terms, you and your FA for Platforms Authorised Users will be able to (a) add funds to your Financial Account via supported funding methods; and (b) transfer funds from your Financial Account to any account able to receive fund transfers at any financial institution. 

2. Use of the Stripe FA for Platforms Services.

2.1 Acknowledgments.

You acknowledge that your use of the Stripe FA for Platforms Services may be subject to additional terms specific to your Stripe Connect Platform, which your Stripe Connect Platform will provide at the time you request access to the Stripe FA for Platforms Services.

3. Set up and Operation of the Stripe FA for Platforms Account

3.1 Representation and Warranty.

You represent as of the date you request to open a Financial Account, and warrant at all times during the Term, that, if you are an individual opening the Financial Account for a business that is a sole proprietorship, you are the sole owner of that business.

3.2 Stripe FA for Platforms Accounts

The Stripe FA for Platforms Account will contain one or more Financial Accounts. Financial Accounts are denominated in GBP only, or such other currencies as Stripe may make available from time to time in its sole discretion.

4. FA for Platforms Authorised Users.

4.1 Instructions from Stripe Connect Platform.

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

4.2 Agents.

If you choose 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 your Stripe Connect Platform and Stripe. Stripe and your Stripe Connect Platform may rely on a copy of the power of attorney and are not required to confirm its validity.

4.3 Instructions.

If Stripe chooses to comply with an instruction that your Stripe Connect Platform transmits, Stripe may impose any condition that it deems reasonable prior to carrying out the instruction. Stripe may refuse to comply with an instruction from your Stripe Connect Platform if Stripe believes that:

(a) the instruction is fraudulent or you did not authorise it;

(b) there are multiple or conflicting instructions;

(c) your FA for Platforms Authorised User or agent is exceeding their authority in giving the instruction; or

(d) complying with the instruction may expose Stripe or its Affiliates to liability.

5. Operation of Financial Accounts

5.1 Accessing Your Stripe FA for Platforms Account.

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

5.2 Account Security.

You must keep your account credentials and the devices on which you access your Stripe FA for Platforms Account secure and confidential at all times. You must notify both your Stripe Connect Platform through the required channels and Stripe immediately at FA for Platforms-support@stripe.com if there has been any actual or suspected unauthorised access to your credentials. Failure to notify of any actual or suspected unauthorised access may impact your liability for any Financial Account Transactions that may occur. 

5.3 Representations and Warranties.

You represent on the date you first use the Stripe FA for Platforms Services, and warrant at all times during the Term, that: 

(a) you are engaged in a commercial business enterprise (which may be as a sole proprietor) or a non-profit organisation organised and operating in the Stripe FA for Platforms Territory;

(b) you reside in the Stripe FA for Platforms Territory;

(c) you comply with all FA for Platforms Regulatory Requirements in connection with your use of the Stripe FA for Platforms Services; and (d) you do not use the Stripe FA for Platforms Services to enable any individual or entity (including you) to benefit from any Prohibited or Restricted Business.

5.4 Legal Process.

You authorise Stripe to comply with each Legal Process relating to you or your Financial Account that Stripe or your Stripe Connect Platform receives, without needing to determine whether that Legal Process was validly issued or is enforceable. Stripe may continue to charge all applicable fees, even though your Financial Account cannot be closed. Stripe may charge you a fee for, and recover Stripe’s costs incurred in, complying with each Legal Process. If the FA for Platforms Regulatory Requirements permit, Stripe will deduct those fees and costs from your Available FA for Platforms Balance.

6. Transactions on Your Financial Account

6.1 Adding Funds onto your Financial Account

Stripe is not obligated to notify you promptly after funds are added into your Financial Account. You can confirm via the Stripe FA for Platforms Dashboard whether Stripe has received a Financial Account Transaction that adds funds to your Financial Account.

6.2 Transfers from your Financial Account.

By initiating a transfer from your Financial Account via the FA for Platforms Dashboard, you authorise (a) your Stripe Connect Platform to instruct Stripe to make the Financial Account Transaction you specify; and (b) Stripe to act on those instructions. Stripe may deduct the amount of each transfer that your Stripe Connect Platform initiates or approves from your Available FA for Platforms Balance, even if the transfer has not yet been completed. Stripe may refuse any transfer (i) by any method that Stripe does not specifically permit for your Financial Account; or (ii) that does not include all information Stripe requires. For any Confirmation of Payee requests, the Stripe Connect Platform may reply on your behalf, and Stripe is entitled to rely on your Stripe Connect Platform’s response to the same extent it would rely on your response. 

6.3 Cross-Border Transfers Involving Currency Exchange

If a transfer from your Financial Account requires a currency conversion, then the exchange rate used for that conversion will be determined and communicated to you by your Stripe Connect Platform. Where currency conversion is part of a transaction, any quoted payout amounts and associated fees are estimates, and may fluctuate without notice based on changes in the exchange rate that applies when the currency conversion takes place. Stripe is not responsible for any losses you may suffer as a result of a currency exchange.

6.4 Funds Availability.

Cut-Off Times. Stripe establishes Cut-Off Times for various Financial Account Transactions and Stripe will provide those Cut-Off Times to you through the FA for Platforms Dashboard or otherwise in writing. You agree that the Cut-Off Time may vary subject to Financial Partner requirements. You may contact Stripe at any time to verify the Cut-Off Time.

6.5 No Negative Balance.

You are not permitted to have a negative balance on your Financial Account. If your Available FA for Platforms Balance is not sufficient to pay for each Financial Account Transaction in the order in which it is processed, Stripe will return or reject the Financial Account Transaction. Stripe 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 late payments, and you are solely responsible for those fees and charges.

6.6 Your Right to Stop Payment.

If you wish to stop any scheduled or preauthorised transfer from your Financial Account, then you must give your Stripe Connect Platform instructions to do so in time for the Stripe Connect Platform to instruct Stripe accordingly at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made. If you scheduled or preauthorised the transfer via the Stripe FA for Platforms Dashboard, then you may change or cancel the transfer via the Stripe FA for Platforms Dashboard at least 3 business days before the day on which the Financial Account Transaction is scheduled to be made.

6.7 Stripe’s Right to Refuse.

To the extent the FA for Platforms Regulatory Requirements do not prohibit the actions listed in this Section 6.7, Stripe may refuse to complete any Financial Account Transaction, including:

(a) if your Financial Account has insufficient funds to cover a Financial Account Transaction;

(b) if Stripe reasonably doubts that it can collect any amounts owed to Stripe; 

(c) if Stripe is unable to verify ownership of or other information about your Financial Account, or the individual or entity to or from whom the funds will be transferred;

(d) to protect the security of your Financial Account and Stripe’s systems; 

(e) if Stripe is concerned about potential fraud or other misconduct; or

(f) if the Financial Account Transaction would violate these Stripe FA for Platforms Accountholder Terms or the FA for Platforms Regulatory Requirements.

6.8 Financial Account Transaction Limitations.

Limits on the number and value of Financial Account Transactions that you may make from your Financial Account may be imposed by Stripe or your Stripe Connect Platform. Stripe may allow Financial Account Transactions that exceed applicable limits, or temporarily reduce your limits from time to time without notice (unless the FA for Platforms Regulatory Requirements require otherwise). Stripe or your Stripe Connect Platform may change the limits at any time.

7. Transaction Management

7.1 Reviewing Your Financial Account Transactions.

(a) Obligation to Review. You must review your Financial Account history and each Financial Account Transaction as soon as possible. If you believe that there is an error or discrepancy in a Financial Account Transaction, you must notify your Stripe Connect Platform promptly. If you believe an unauthorised Financial Account Transaction has been made on your Financial Account, then you must immediately notify your Stripe Connect Platform. If Stripe or your Stripe Connect Platform requests, you must submit a written statement with details about the unauthorised Financial Account Transaction. If you fail to notify your Stripe Connect Platform as required, or your Stripe Connect Platform does not notify Stripe in a timely manner, then losses, damages, or costs you suffer as a result of the unauthorised Financial Account Transaction may not be recoverable, or recovery may be more time consuming or difficult.

(b) Assistance in Investigations. You must assist Stripe and your Stripe Connect Platform in the investigation and related prosecution of claims for unauthorised Financial Account Transactions by completing the appropriate statements and reports that Stripe or your Stripe Connect Platform reasonably requests.

7.2 Liability Related to Financial Account Transactions.

To the extent permitted by Law, you are responsible for all Financial Account Transactions on your Financial Account, whether or not they are authorised. You acknowledge that Financial Account Transactions may be sent to the wrong account if you provide Stripe with inaccurate or incomplete information (including due to compromise or fraud). To the maximum extent permitted by Law, the Stripe Parties will not be liable to you, your Affiliates or any third party for any losses, damages or costs arising out of or relating to:

(a) a failed Financial Account Transaction on your Financial Account, including if Stripe decides to refuse to pay or decline any Financial Account Transaction or if a Financial Account Transaction fails due to circumstances outside of Stripe’s control;

(b) Stripe or your Stripe Connect Platform completing a Financial Account Transaction or otherwise acting in reliance upon any incorrect or incomplete information provided or made available to Stripe or your Stripe Connect Platform;

(c) Stripe’s refusal to comply with your Stripe Connect Platform’s instructions under Section 4.3 of these Stripe FA for Platforms Accountholder Terms; or

(d) any correspondent bank’s negligence or failure, or funds lost in transit.

7.3 Reporting Unauthorised and Incorrectly Executed Transactions.

If you believe there are fraudulent or unauthorised transactions on your Financial Account, you must immediately report any such Financial Account Transactions to Stripe by filing a dispute through the FA for Platforms Dashboard. 

If you believe that your Financial Account was subject to an incorrectly executed or defective charge, you must first contact the payee to resolve the dispute regarding the relevant Financial Account Transaction. If you are unable to resolve the dispute with the payee, then you must file the dispute through your FA for Platforms Dashboard. 

You must notify any incorrectly executed, defective or unauthorised Financial Account Transactions to Stripe without undue delay, and no later than 13 months from the date the Financial Account Transaction appears on your Financial Account.

7.4 Determining Incorrectly Executed, Defective or Unauthorised Transactions.

When you  notify Stripe of an incorrectly executed, defective or unauthorised Financial Account Transaction through the FA for Platforms Dashboard, Stripe will evaluate the submitted information in accordance with Law. If Stripe determines, in its sole discretion, that the Financial Account Transaction was incorrectly executed, defective or unauthorised, Stripe will credit the amount of the applicable Financial Account Transaction back to your Financial Account. 

7.5 Liability for Unauthorised Transactions.

Stripe will reimburse you for any unauthorised Financial Account Transaction where Stripe determines that neither you nor a FA for Platforms Authorised User authorised the underlying Financial Account Transaction, provided that 

(a) you will be liable for the first £35 of any unauthorised Financial Account Transaction where Stripe reasonably believes you should have been aware of the unauthorised use; 

(b) Stripe will not be liable for any unauthorised transaction where (i) you or a FA for Platforms Authorised User used a Financial Account for an Unauthorised Purpose or with intent or gross negligence, failed to use the Financial Account in accordance with the terms of this Agreement, including to take all reasonable steps to keep account credentials and the devices on which you access your Stripe FA for Platforms Account secure and confidential at all times, or the Stripe FA for Platforms Product Guidelines; or (ii) you failed to immediately notify Stripe of the unauthorised use. 

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

8. Tax Reporting.

You are responsible for (a) determining your tax liability related to your Financial Account; and (b) reporting, withholding and remitting in a timely manner all taxes due to the appropriate Governmental Authority. You must promptly notify your Stripe Connect Platform of all changes related to your tax affairs, and provide all records and information that it or Stripe requests to comply with the FA for Platforms Regulatory Requirements.

9. Fees and Security.

(a) Fee Disclosure. Your Stripe Connect Platform is responsible for disclosing to you all applicable fees (if any) that apply to your use of the Stripe FA for Platforms Services. Your Stripe Connect Platform will disclose those fees at the time you request access to the Stripe FA for Platforms Services and will disclose any changes before they take effect.

(b) Your Responsibility for Disputes. To the maximum extent permitted by Law, you are liable to Stripe for all losses, damages and costs that Stripe incurs as a result of any dispute involving your Financial Account, including as a result of relying on your Stripe Connect Platform’s representations or instructions. You authorise Stripe to (i) deduct these losses, damages and costs from funds in your Financial Account; or (ii) set them off in accordance with Section 9(c) of these Stripe FA for Platforms Accountholder Terms with or without prior notice to you.

(c) Setoff. Stripe may deduct, recoup or setoff all fees you owe Stripe (if any) from funds in your Financial Account. Alternatively, Stripe may invoice you for some or all of those fees on a monthly basis in arrears, and you must pay the fees within 30 days after the date of the invoice.

10. Restricting or Closing Your Financial Account.

10.1 Restricting Your Stripe FA for Platforms Account.

Stripe may decline, delay, freeze or reverse a Financial Account Transaction or part of a Financial Account Transaction, restrict access to your Stripe FA for Platforms Account or information on your Stripe FA for Platforms Account, or remove funds from your Financial Account to hold them pending investigation to protect you, Stripe or Stripe’s Affiliates, or to comply with the FA for Platforms Regulatory Requirements or other legal obligations. Examples of circumstances where Stripe may exercise these rights include where:

(a) you maintain no balance in your Financial Account for at least 90 consecutive days;

(b) your Stripe FA for Platforms Account has been inactive for at least 12 months;

(c) your Stripe FA for Platforms Account is involved in any Legal Process;

(d) Stripe believes your FA for Platforms Authorised User is exceeding their authority;

(e) Stripe or your Stripe Connect Platform receives conflicting information or instructions regarding Financial Account Transactions or ownership, control or activity of your Stripe FA for Platforms Account;

(f) Stripe or your Stripe Connect Platform suspects that you may be the victim of a fraud, scam or financial exploitation; 

(g)  you fail to provide Stripe or your Stripe Connect Platform with requested User Information; 

(h) Stripe or your Stripe Connect Platform suspects that a Financial Account Transaction involving you or your Stripe FA for Platforms Account may involve illegal activity or may be fraudulent; or

(i) Stripe determines that you pose an unacceptable regulatory, reputational or financial risk.

10.2 Replacement Financial Account.

Stripe may transfer your Stripe FA for Platforms Account Information and documentation to a replacement Stripe FA for Platforms Account and account number, including if your Stripe FA for Platforms Account is reported as compromised, or if Stripe reasonably believes it is necessary to protect your Stripe FA for Platforms Account’s security. 

10.3 Closing Your Stripe FA for Platforms Account.

You may close your Stripe FA for Platforms Account or a Financial Account at any time by giving notice to your Stripe Connect Platform.  If your account balance is greater than £0, after Stripe deducts fees, expenses, claims and other deductions that Stripe has the right to make, Stripe may require you to withdraw the remaining balance before Stripe closes your Financial Account.

Stripe is not required to close your Stripe FA for Platforms Account or a Financial Account at your Stripe Connect Platform’s request if (i) you have pending Financial Account Transactions; (ii) there is a negative balance on your Financial Account; or (iii) your Stripe FA for Platforms Account is subject to Legal Process. In those cases, Stripe may restrict your Financial Account against all future withdrawals, other than those made under Legal Process, until pending Financial Account Transactions are paid or returned, the account balance is no longer negative, and any legal restriction has been released.

After your Stripe FA for Platforms Account or Financial Account is closed, Stripe has no obligation to accept funds into your Financial Account, process Financial Account Transactions through the Financial Account on your behalf, or satisfy any outstanding demands for payment. Stripe may reopen your Stripe FA for Platforms Account if Stripe receives funds payable to your Financial Account.

After your Stripe FA for Platforms Account is closed, Stripe will enable your Stripe Connect Platform to provide you access to your Stripe FA for Platforms Account history for 60 days.

10.4 Adverse Claims.

If there are conflicting instructions with respect to your Stripe FA for Platforms Account or if there is any dispute regarding your Stripe FA for Platforms Account, then without limiting Stripe’s rights under these Stripe FA 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 you.

11. Limitation of Liability.

To the extent that the FA for Platforms Regulatory Requirements invalidate or render unenforceable any limitations or exclusions of liability of Stripe 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.

12. Interpretation.

“Available FA for Platforms Balance” means the amount of funds that is available to be transferred or paid out of a Financial Account. 

“Confirmation of Payee” means the service to validate a payee’s account name before initiating a payment. 

“Connected Account” means (a) a Platform User that has a Stripe Account onboarded to a Stripe Connect Platform via the Stripe Connect Services; or (b) a Payout Recipient.

“Cut-Off Time” means the time on a business day by which Stripe must receive an instruction or Financial Account Transaction request from a Stripe FA for Platforms Accountholder in order to process that instruction or request on the same day. 

“Financial Account” means an emoney account that Stripe creates for a Stripe FA for Platforms Accountholder as part of the Stripe FA for Platforms Services.

“Financial Account Transaction” means a transaction in a Financial Account that adds to or subtracts from the Available FA for Platforms Balance.

“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. 

“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 FA for Platforms Account” means an account that Stripe creates for a Stripe FA for Platforms Accountholder as part of the Stripe FA for Platforms Services to enable the management of Financial Account(s). 

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

“Stripe FA 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 FA for Platforms Services; (b) make the Stripe FA for Platforms Services available to Stripe FA for Platforms Accountholders; and (c) fulfill their responsibilities to FA for Platforms Transfer Networks.

“Stripe FA for Platforms Administrator” means the individual that a Stripe FA for Platforms Accountholder appoints to manage the Stripe FA for Platforms Services on its behalf. 

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

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

“Stripe FA for Platforms Territory” means the United Kingdom.

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

"FA for Platforms Authorised User" means an individual that a Stripe FA for Platforms Accountholder authorises to use the Stripe FA for Platforms Services. 

“FA for Platforms Dashboard” means the user interface provided to enable a Stripe FA for Platforms Accountholder to manage its Stripe FA for Platforms Account.

“FA for Platforms Regulatory Requirements” means Law, the rules of the FA for Platforms Transfer Networks and the PCI Standards.

“FA for Platforms Transfer Networks” means the electronic funds transfer networks the Stripe FA for Platforms Services uses, credit card networks, and debit card networks.

“Unauthorised Purpose” means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Stripe FA for Platforms Services.