Stripe Services Agreement for European Blackbaud Users

Last updated: December 23, 2020

This Services Agreement (“Agreement”) supplements the Blackbaud Payment Services Addendum (“BBPS Addendum”) in force between Blackbaud and the person or legal entity identified in the BBPS Addendum (“you”). This Agreement creates a separate agreement between you, Blackbaud and Stripe Payments Europe, Ltd., a private limited company organized under the laws of Ireland with offices at the One Building, 1 Grand Canal Street Lower, Dublin 2, Ireland (“Stripe”). Capitalized terms in this Agreement not defined inline are defined in Exhibit A, and otherwise have the meanings given in the BBPS Addendum.

1. Purpose of this Agreement

This Agreement governs your use of the Stripe Services and management of your Stripe Account by Blackbaud. This management includes use and administration of data about you or your Transactions provided to Stripe (“Data”) and initiating Activity. As used in this Agreement, any action submitted to Stripe on your behalf is referred to as “Activity”, which includes initiating Charges or Refunds, handling Disputes, and other functions available through the Stripe Services.

You represent to Stripe that all of the information that you provide to Blackbaud is and will be accurate and complete. You agree to the terms and conditions provided in this Agreement, and understand that your use of the Stripe Services is subject to your acceptance of these terms and conditions.

2. Stripe Connect — Your Stripe Account

Stripe Connect allows Blackbaud to help you access the Stripe Services into your site or application. In order to enable your access to the Stripe Services, you need to have an account with Stripe (“Stripe Account”). You delegate the creation and management of your Stripe Account to Blackbaud, and Blackbaud may use Stripe Connect for these purposes. Despite your delegation, you remain responsible and liable for all Activity that occurs in relation to your Stripe Account.

3. Payment Method Providers and Financial Services Providers

Your use of the Stripe Services is subject to additional terms that apply between you and one or more of Stripe, a Stripe Affiliate, and a Payment Method Provider. Stripe partners with financial institutions and Stripe Affiliates (each a “Financial Services Provider”), Payment Method Providers and Payment Method Acquirers to provide the Stripe Services. A Financial Services Provider may have specified additional terms and conditions (“Financial Services Terms”) applicable to that provider's services. Your use of a Payment Method may be subject to separate terms applicable to the Payment Method (“Payment Terms”). For example, Visa and Mastercard require you to enter into an agreement with the Payment Method Acquirer for Visa and Mastercard Transactions. The Financial Services Terms and Payment Terms are located at, and may be amended from time to time. You may not submit Visa or Mastercard Charges without first agreeing to the SPUKL Financial Services Terms ( and STEL Financial Services Terms ( Your use of the Stripe Services constitutes your acceptance of the relevant Financial Services Terms and Payment Terms. Additionally, a Payment Method Provider may enforce the terms of this Agreement directly against you.

Some of the Stripe Services are services that may only be provided by an authorised payment services provider or electronic money institution (“Authorised Payment Services”). To the extent that you acquire Authorised Payment Services, the services will be provided by (i) Stripe Payments UK, Limited (“SPUKL”) for Stripe Accounts established in the UK and Switzerland, and the SPUKL Authorised Payment Services terms available at will apply, or (ii) Stripe Technology Europe, Limited (“STEL”) for Stripe Accounts established in the European Economic Area, and the STEL Authorised Payment Services available at will apply.

For American Express Transactions, if your American Express Transaction volume exceeds a threshold amount set by American Express, American Express may convert you to a direct American Express merchant, which means that your acceptance of American Express Transactions will be governed by American Express’ then-current Card Acceptance Agreement, and your pricing and other fees for the acceptance of American Express Transactions will be directly agreed between you and American Express. In the event of such conversion, your relationship with Stripe will not be otherwise affected, and Stripe will continue to process your American Express Transactions in accordance with this Agreement.

4. Your Obligations

You must comply with all applicable Laws, Payment Method Rules , agreements with third parties that are binding on you, and this Agreement when using the Stripe Services. You are solely responsible for, and Stripe disclaims all liability for, your provision of the goods or services to your customers, or receipt of bona fide charitable donations, as well as any obligations you may owe to your customers or donors. This may include providing customer service, notification and handling refunds or consumer complaints, provision of receipts, registering your legal entity, or other actions not related to the Stripe Services. You are financially liable for Disputes, Refunds, Reversals, and any penalties or fines that arise from your use of the Stripe Services or imposed on you or on Stripe in relation to your Stripe Account, by Stripe or any Payment Method Provider or Payment Method Acquirer.

Upon request, you will provide Blackbaud with financial statements prepared in accordance with generally accepted accounting principles. You will also provide other information concerning your business and your compliance with the terms and provisions of this Agreement as Blackbaud may reasonably request.

5. Transaction Initiation and Settlement

You may only submit Transactions that are authorised by your customers or donors. You are responsible for any losses incurred due to fraudulent purchases made in connection with your use of the Stripe Services.

SPUKL or STEL (as applicable) will hold settlement funds in a pooled clearing account (the “Clearing Accounts”) with Stripe’s banking partners, and you authorize Stripe to direct SPUKL or STEL on how and when to disburse funds in accordance with this Agreement. You appoint Stripe, SPUKL and STEL (as applicable) as your payments agents for the purpose of facilitating your receipt of the Stripe Services in accordance with this Agreement. You have no rights to the Clearing Accounts or to any funds held in the Clearing Accounts, you are not entitled to draw funds from the Clearing Accounts, and you will not receive interest from funds maintained in the Clearing Accounts. You will not submit a Transaction for settlement if you receive a negative authorization or if the Payment Method has expired or is invalid. Stripe will transfer settlement funds to your Payout Account, net of fees, Disputes, and amounts owed to Stripe.

You are responsible for ensuring that you only submit Charges through the Stripe Services as MOTO Transactions or Merchant Initiated Transactions that are eligible to be treated as such in accordance with the terms of this Agreement and, in respect of a Merchant Initiated Transaction, that you have an appropriate mandate in place with your Customer enabling you to initiate the Charge. You must keep a record of the basis on which you determined any submitted Charge was eligible to be treated as a MOTO Transaction or Merchant Initiated Transaction and make such records available to us, our regulators and/or our auditors immediately on request.

You affirm that you are authorised to initiate settlements to and debits from the Payout Account, and that the Payout Account is owned by you, and administered and managed by a financial institution located in the European Economic Area or the United Kingdom. If you update your Payout Account then you must ensure that you continue to comply with the requirements of this section. We may require you to provide us with documentary proof demonstrating your compliance with this section, and your failure to provide such proof will constitute a breach of this Agreement.

We may offer the ability to have funds settled to your Payout Account in a currency different from the one in which you accepted payment from a customer (“Multi-Currency Processing”). We may add or remove currencies from our list of available settlement currencies at any time. If you use Multi-Currency Processing, we will identify at the time of the Charge (for example, through the API), the conversion rate that will apply to the Charge. If you Refund a Charge, the conversion rate that will apply will be the rate in effect at the time of the Refund, not the Charge. By submitting a Charge or Refund you will be deemed to have accepted the applicable conversion rate.

You may use functionality on the Stripe Services that enables you to receive recurring or subscription payments from your customers or donors, and to issue invoices to your customers. If you use the Stripe Services to submit recurring or subscription Charges, you agree to comply with applicable Laws and Payment Method Rules, including clearly informing customers or donors in advance of submitting the initial Charge that they will be charged on an ongoing basis and explaining the method for unsubscribing or cancelling their recurring billing or subscription. If you use the Stripe Services to issue invoices to your customers, you understand and agree that it is your responsibility to ensure that the form and content of the invoices comply with applicable Laws, and are sufficient to achieve any legal or tax effect that you are trying to achieve.

6. Actions Stripe May Take in Processing Transactions

Stripe may withhold the amount of a potential Dispute from settlement funds owed to you under this Agreement if Stripe reasonably believes that a Dispute is likely with respect to any Transaction. If you incur excessive Disputes, breach this Agreement, or present an unacceptable level of risk, each as reasonably determined by Stripe, Stripe may do any or all of the following: (i) initiate a Reversal; (ii) withhold potential Dispute amounts until the Dispute is resolved; (iii) require that Blackbaud establish, fund and use a reserve account to satisfy you obligations or potential obligations under this Agreement; or (iv) require that Blackbaud suspend or terminate your ability to continue to submit Transactions for authorization.

If you misuse the Stripe Services for payment card Transactions or engage in activity the Payment Method Providers identify as damaging to their brand, or if we are required to do so by the Payment Method Rules, we may submit information about you, your representatives and other individuals associated with your Stripe Account, to the MATCH terminated merchant listing maintained by Mastercard and accessed and updated by Visa and American Express. Our reporting of information under this paragraph is separate from any other right that we may exercise under this Agreement.

7. Fees and Taxes

The BBMS Processing Fees incorporate fees for your use of the Stripe Services. Stripe does not set the BBMS Platform Fees, which are solely controlled by Blackbaud.

You have sole responsibility for: (i) determining what, if any, taxes or fees apply to the sale of your products and services, acceptance of donations, or payments you receive in connection with your use of the Stripe Services (“Taxes”); and (ii) assessing, collecting, reporting, and remitting Taxes to the appropriate tax and revenue authorities. If Stripe is required by Law to withhold any Taxes, Stripe may deduct such Taxes from the amount otherwise owed and pay them to the appropriate taxing authority. If you are exempt from payment of such Taxes, you must provide Blackbaud with an original certificate that satisfies applicable legal requirements attesting to your tax-exempt status. You must provide accurate information regarding your tax affairs as reasonably requested by Blackbaud and/or Stripe.

Your receipt of the Stripe Services may trigger an obligation for Stripe to provide certain notices or forms, including tax invoices or forms, to you. You appoint Blackbaud as your agent for the limited purpose of receiving any such notices and forms on your behalf. You agree that Stripe's delivery of such required forms or notices to Blackbaud satisfies any obligation Stripe has to make delivery of these notices or forms to you. Blackbaud will make the necessary information available to you in a manner consistent with applicable law.

You acknowledge that you have requested a complete blending of Fees for payment card processing for all merchant services charges (MSC) for all payment card brands and categories irrespective of the underlying differences in interchange fees.

8. IP Rights

As between the parties, Stripe owns all right, title and interest, including all IP Rights, in and to the Stripe Services, the Stripe Platform, the Stripe website, the Stripe trademarks and all other services offered by Stripe. Stripe grants you during the term of this Agreement a limited, non-exclusive, worldwide, royalty-free, non-transferable license, without the right to sublicense, to electronically access and use the Stripe Services solely to accept and receive payments in compliance with this Agreement and the BBPS Addendum. Without limiting the previous sentence, the Stripe Services may only be used to accept payments using payment cards for bona fide legal commercial transactions between you and your customers for goods and services that are free of liens, claims, and encumbrances or to accept bona fide donations. Except as expressly permitted by Law, you must not: (i) work around any of the technical limitations of the Stripe Services or enable functionality that is disabled or prohibited; (ii) reverse engineer or attempt to reverse engineer the Stripe Services; or (iii) perform or attempt to perform any actions that interfere with the normal operation of the Stripe Services or affect use of the Stripe Services by Stripe's other users.

9. Data

You understand and agree that Stripe and Blackbaud will share Data about you and the Activity related to your Stripe Account. This may include information you provide to create your Stripe Account, or information about Transactions submitted by your customers or donors. You consent to Stripe's disclosure of Data to Financial Services Providers, Payment Method Providers and Payment Method Acquirers and to Stripe's service providers to facilitate the provision of the Stripe Services to you, to verify your eligibility to use the Stripe Services, and to establish any necessary accounts or credit with Payment Method Providers and Payment Method Acquirers. Stripe may also share your Data with Payment Method Providers and Payment Method Acquirers for the purpose of facilitating the compliance of Stripe, the Payment Method Providers, and the Payment Method Acquirers with applicable Laws and Payment Method Rules. You also consent to Stripe's use of the Data to: (i) provide the Stripe Services, (ii) mitigate fraud, financial loss, or other harm, and (iii) to analyze and improve Stripe's products, systems, and tools. The information Stripe may use for the purposes set forth in (iii) herein shall be restricted to any: (A) metrics (in any format or context) regarding the usage, performance, or transaction-level information relating to the Stripe Services (including, but not limited to, transaction volume and amounts for your Stripe Account); and (B) aggregated or pseudonymised data. You affirm that you have obtained all necessary rights and consents to allow Stripe to collect, use, retain, and disclose Data in accordance with this Agreement. Stripe's privacy policy is located at

Stripe will provide some or all of the Stripe Services from systems located within the United States or other countries outside of Ireland. As such, it is your obligation to disclose to your customers that Data may be transferred, processed and stored outside of the European Economic Area (or United Kingdom, as applicable) and, as set forth in our Privacy Policy, may be subject to disclosure as required by applicable Laws.You are responsible for the security of all Data in your possession, and may only use such Data in conjunction with the Stripe Services and as permitted by this Agreement or by the BBPS Addendum. If Stripe reasonably believes that an unauthorised access of Data in your possession or control has occurred, you will cooperate with Blackbaud and Stripe to provide information Stripe reasonably believes is necessary to help mitigate the impact of such access (which may include providing information or assistance that an auditor makes to you as part of a security audit, as may be shared with Stripe’s Payment Method Providers and Payment Method Acquirers), and Blackbaud and/or Stripe may take such steps as are reasonable to address the unauthorised access.

You are the data controller and we are the data processor in relation to Personal Data processed on your behalf under this Agreement, except that we will be a data controller in relation to Personal Data where we determine the purposes and manner in which the Personal Data is processed (including, for example, in complying with any regulations or laws imposed upon us through Payment Method Rules or by Payment Method Providers or Payment Method Acquirers).

We will, to the extent that we are a data processor, process Personal Data in accordance with the terms of this Agreement and lawful instructions reasonably given by you to us from time to time, and we will employ appropriate technical and organisational measures to protect such Personal Data. We will not be liable for any claim brought by a data subject arising from any action or omission by us, to the extent that such action or omission resulted from your instructions.

10. Confidentiality

Each of Stripe and you (“Receiving Party”) will take all reasonable precautions to protect information that is identified as confidential, or that ought reasonably to be regarded as confidential (“Confidential Information”) of the other party (“Disclosing Party”), including all precautions Receiving Party employs with respect to its confidential materials of a similar nature. Receiving Party may not disclose Disclosing Party's Confidential Information to any third party, except: (i) to Receiving Party's Affiliates; and (ii) where Stripe is Receiving Party, to Financial Services Providers, Payment Method Providers, and their respective Affiliates, and to Stripe's service providers. In all cases, Receiving Party must ensure that the third party recipients do not use or disclose the Confidential Information other than in accordance with the terms of this Agreement. Receiving Party may also disclose Disclosing Party's Confidential Information to the extent required by Law or court order, provided that Receiving Party uses reasonable efforts to limit disclosure and to obtain confidential treatment or a protective order and has, to the extent reasonably possible, allowed Disclosing Party to participate in the proceeding.

The restrictions and obligations in the previous paragraph will not apply with respect to any information that Receiving Party documents: (i) is, through no improper action or inaction by Receiving Party or any Affiliate, agent, consultant or employee, generally available to the public; (ii) was in its possession or known by it without restriction prior to receipt from Disclosing Party; (iii) was rightfully disclosed to it by a third party; or (iv) was independently developed without use of or reference to any Confidential Information of Disclosing Party by employees of Receiving Party who have had no access to such information.

You may not disclose the terms of this Agreement to any third party without the Stripe's prior written permission, except to your professional advisors under a strict duty of confidentiality or as necessary to comply with Law.

11. Representations and Warranties

You represent and warrant to Stripe that you: (i) have the right, power, and ability to enter into and perform under this Agreement; (ii) have all necessary rights and consents to grant the rights and licenses granted under this Agreement, and to allow Stripe to provide the Stripe Services; (iii) will comply with all Laws applicable to your business and your use of the Stripe Services; (iv) will comply with the Payment Card Industry Data Security Standards (PCI-DSS) and the Payment Application Data Security Standard (PA-DSS), as applicable; (v) will comply with the Financial Services Terms, Payment Terms and Payment Method Rules; (vi) and your employees, contractors and agents will at all times act consistently with the terms of this Agreement; (vii) will not use the Stripe Services for personal, family or household purposes, for peer-to-peer money transmission, or (except in the normal course of business) intercompany Transactions; and (viii) do not and will not conduct or transact with a business or business practice identified by Blackbaud as prohibited, or uses of the Stripe Services in or for the benefit of a country, organization, entity, or person embargoed or blocked by any government, including those on sanctions lists identified by the United States Office of Foreign Asset Control (OFAC) and the European Commission.

12. Indemnity

Without limiting, and in addition to, any other obligation that you may owe under this Agreement, you are at all times responsible for the acts and omissions of your employees, contractors and agents, to the extent such persons are acting within the scope of their relationship with you.

You will defend Stripe, its Affiliates, and the directors, employees and agents of each (the “Stripe Parties”) from any claim, suit, demand, action, investigation or proceeding brought by a third party to the extent arising out of or relating to any (i) breach of any of your representations, warranties or obligations under this Agreement; (ii) your use of the Stripe Services, including any Refunds, Reversals, Disputes, and any fees, penalties or fines imposed on Stripe by any Payment Method Provider, Financial Services Provider or government entity as a result of your use of the Stripe Services; (iii) your failure to describe or deliver goods or services as required by Law (including contractual obligations to your customers or donors); or (iv) your negligence, willful misconduct, or fraud, (each, a “Claim Against Stripe”). You will indemnify the Stripe Parties for damages, liabilities (including reasonable legal fees), penalties and fines paid or incurred by Stripe to the extent arising out of a Claim Against Stripe.

13. Disclaimer and Limitation on Liability

Except as expressly provided in this Agreement, and to the maximum extent permitted by Law, neither party makes any warranties to the other party, and each party disclaims all warranties, oral or written, express, implied or statutory, with respect to its performance under this Agreement, fitness for a particular purpose, non-infringement, and implied warranties arising from any course of dealing, course of performance or usage in trade. In addition, and without limitation, Stripe is not responsible for Blackbaud's acts or omissions in providing services to you or your customers or donors.

To the maximum extent permitted by Law, and despite anything in this Agreement to the contrary, in no event will Stripe or its Affiliates be liable in relation to this Agreement or the Stripe Services, whether in contract, negligence, strict liability or other legal or equitable theory, for: (i) any indirect, incidental, exemplary, special, reliance or consequential damages, including loss of profits or loss of data, even if advised of the possibility of these damages; or (ii) for any direct losses or damages in excess of the aggregate amount of fees received by Stripe pursuant to this Agreement during the three month period immediately preceding the event giving rise to the claim for liability. These limitations will apply notwithstanding the failure of the essential purpose of any limited remedy.

a. Term, Termination, and the Effects of Termination. The term of this Agreement will begin when your Stripe Account is created, and will have the same duration as the BBPS Addendum, unless terminated by Stripe, as described in this Agreement. Stripe may terminate this Agreement (i) where you are in breach of this Agreement and fail to cure the breach upon 30 days' notice by Stripe (such notice only being required if curing the breach is feasible); (ii) upon 120 days' notice for any reason; (iii) where you are the subject of any voluntary or involuntary bankruptcy or insolvency petition or proceeding; or (iv) where required to do so by a Financial Services Provider, a Payment Method Provider, a Payment Method Acquirer, or under court or legal order. A Payment Method Provider or Payment Method Acquirer may terminate your ability to accept its Payment Method, at any time and for any reason (including, without limitation, for any activity that may create harm or loss to the goodwill of a Payment Method), in which case you will no longer be able to accept the Payment Method under this Agreement. All provisions giving rise to continuing obligations will survive termination of this Agreement.

b. Reporting. Some Payment Method Providers maintain lists of merchants who have had their merchant agreements or card acceptance rights terminated for cause. If this Agreement is terminated for cause, you acknowledge that Stripe may be required to report your business name and the names and other information regarding its principals to the Payment Method Providers for inclusion on such list(s). You expressly agree and consent to such reporting if Stripe terminates this Agreement under Section 14a(i), (iii) or (iv), or for any other reason specified as cause by a Payment Method Provider. Furthermore, you agree to waive and hold Stripe harmless from and against any and all claims which you may have as a result of such reporting.

c. Binding Arbitration. Any dispute, controversy or claim arising out of or relating to this Agreement, or in respect of any legal relationship associated with or derived from this Agreement, including without limitation the formation, interpretation, breach or termination thereof, including whether the claims asserted are arbitrable, will be referred to and finally determined by arbitration in accordance with the JAMS International Arbitration Rules. The tribunal will consist of a sole arbitrator. The place of the arbitration will be Dublin, Ireland. The language of the arbitration will be English. Judgment upon the award rendered by the arbitrator may be entered by any court having jurisdiction. This Agreement shall be governed by the laws of Ireland, exclusive of conflict or choice of law rules. Nothing in this section will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. Either party may commence arbitration by providing to JAMS and the other party to the dispute a written demand for arbitration, setting forth the subject of the dispute and the relief requested.

d. Right to Amend. Stripe may reasonably amend this Agreement upon notice to you, which will be provided via Blackbaud. You agree that any changes to this Agreement will be binding on you on the date we specify in the Notice, and your continued use of the Stripe Services constitutes your consent to any such changes to the Agreement.

e. Assignment. You may not assign or attempt to assign this Agreement without Blackbaud's and Stripe's prior written consent.

f. Entire Agreement. This Agreement constitutes the entire agreement between you, Blackbaud and Stripe with respect to the Stripe Account that is created and managed on your behalf by Blackbaud. These terms and conditions describe the entire liability of you and Stripe, and set forth your exclusive remedies with respect to this scope. If any provision of this Agreement (or portion thereof) is held to be invalid or unenforceable under applicable Laws, then it should be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable Laws, and the remaining provisions will continue in full force and effect.

g. Notices. Unless otherwise stated in this Agreement, all notices under this Agreement will be given by email. For Stripe, the email address will be, and for you, your email address will be the address you provided to Blackbaud. Notices sent to you under this Agreement will be sent by Stripe through Blackbaud. Notice is effective one business day after sending by email.

h. Additional Services. From time to time, Blackbaud may provide you with access to additional features or services offered by Stripe, which may be subject to additional or different terms of service and fees, including features or services that are identified as “beta” or prerelease. You may not use additional features and services unless you agree to the applicable terms. You understand that such services are still in development, may have bugs or errors, may be feature incomplete, may materially change prior to a full commercial launch, or may never be released commercially. Despite any other provision of this Agreement, any use of or reliance on beta or pre-release features or services is done at your own risk and is provided as is and without warranty of any kind.

i. Depending on your location, Stripe may be able to offer you E-money Services.

The terms in this Section 14(i)only apply if Stripe provides you with an account in which electronic money (“E-money”) (“E-money Account”) can be stored. The E-money Account allows you to purchase E-money from Stripe and to send and receive e-money, including allowing you to receive E-money a Platform transfers to you.

You agree that funds held by us on your behalf are not deposits and you will not earn any interest on any E-money in your E-money Account. If we issue E-money to you, we will safeguard your funds in accordance with regulatory requirements applicable to us.

You may redeem the E-money held in your E-money Account for par value according to payout schedules agreed with us or by contacting us. You agree that we will only settle funds to your Payout Account.

You agree that we may temporarily refuse to issue you with E-money or suspend access to your E-money Account (including preventing you from sending or receiving E-money) if we believe your use (or intended use) of the E-money Account (i) breaches this Agreement, (ii) is for any unauthorised, fraudulent or illegal purpose or (iii) would expose you, Stripe or others to risks unacceptable to Stripe. Unless prohibited by law, we will notify you if we have taken such actions.

You or we may close your E-money Account by immediate written notice to the other party. Upon closure, you must withdraw your money within a reasonable period of time – after this period of time you will no longer have access to your E-money Account but can still redeem your E-money by contacting us. For the avoidance of doubt, the closure of your E-money Account under this Section 14(i) shall not affect the operation of any other provision of this Agreement.

You may provide third parties with access to your E-money Account. Please refer to Section 14(i) for further information on this.

j. Using a Third Party Provider (TPP). A TPP is a third party service provider that is authorised by or registered with an EEA regulator or authority in order to access information concerning, and make payments from, an online payment account operated by another provider (such as Stripe). TPPs must have your explicit consent to do this. The E-money Account provided by Stripe is an online payment account and so the below terms in this Section 14(j) outline when you may allow TPPs to access information concerning, and initiate payments from, your E-money Account.

If you choose to use a TPP, the terms of this Agreement will still apply. We will grant your TPP with the same technical interface that you have access to and so your TPP will be able to access information about your E-money Account and to initiate payments on your behalf. Although you must not, generally, give your Stripe Account security details or credentials to anyone else, you may give them to a TPP if it’s necessary to allow them to provide their services to you. We may refuse to allow a TPP to access your E-money Account if we reasonably believe that the TPP is acting on an unauthorised or fraudulent basis. We’ll tell you if we do this unless doing so would compromise our security measures or would otherwise be unlawful.

Before you provide a TPP with access, you must check from the information provided by them that they are authorised or registered with an EEA regulator or authority. If you give your Stripe Account security details to an unauthorised third party, we’ll assume it’s you that is authorising us to give access to information about your E-money Account and you’ll be responsible for any payments made as a result. If we are aware that an unauthorised third party is using your security details, we may block access to your E-money Account.

If you think a payment made through a TPP was unauthorised or incorrect you must contact us immediately.

k. Force Majeure. Stripe will not be liable for delays in processing or other nonperformance to the extent caused by such events as fires, telecommunications failures, utility failures, power failures, equipment failures, labor strife, riots, war, terrorist attack, acts of nature, or other causes over which Stripe has no reasonable control.

l. Legal Fees. In any action or suit to enforce or to interpret this Agreement, the prevailing party is entitled to recover its reasonable legal costs.

m. Severability. If any provision of this Agreement is determined by any court or governmental authority to be unenforceable, the parties intend that this Agreement be enforced as if the unenforceable provisions were not present and that any partially valid and enforceable provisions be enforced to the extent that they are enforceable.

n. Cumulative Rights, Construction, Waivers. The rights and remedies of the parties under this Agreement are cumulative, and either party may enforce any of its rights or remedies under this Agreement, along with all other rights and remedies available to it at Law, in equity or under the Payment Method Rules. No provision of this Agreement will be construed against any party on the basis of that party being the drafter. Unless stated otherwise, the word “including” means “including, without limitation.” The failure of either party to enforce any provision of this Agreement will not constitute a waiver of that party's rights to subsequently enforce the provision.

o. No Agency. Except as expressly stated in this Agreement, nothing in this Agreement serves to establish a partnership, joint venture, or other agency relationship between you and us, or with any Payment Method Provider. Each party to this Agreement, and each Payment Method Provider, is an independent contractor. Unless a Payment Method Provider expressly agrees, neither you nor we have the ability to bind a Payment Method Provider to any contract or obligation, and neither party will represent that you or we have such an ability.

p. Language. The parties hereby acknowledge that they have required this Agreement and all related documents to be in the English language.

q. Complaints. If you have a complaint about the Stripe Services we provide, please use . Further information on our Complaints Policy can be found here. If your complaint is unresolved, you may be entitled to refer to (i) the Financial Ombudsman Service (FOS) if SPUKL provides Authorised Payment Services to you or (ii) the Irish Financial Services and Pensions Ombudsman (FSPO) if STEL provides Authorised Payment Services to you. Further information on the FOS and FSPO, contact details and the eligibility requirements can be located at our Complaints Policy and at and


“Affiliate” means an entity controlling, controlled by, or under common control with the applicable party.

“Charge” means a credit or debit instruction to capture funds from an account that a customer or donor maintains with a bank or other financial institution in connection with a Transaction.

“Dispute” means an instruction initiated by the customer or donor to reverse or invalidate a processed Charge incurred in a Transaction (including “chargebacks” and “disputes” as those terms may be used by Payment Method Providers).

“IP Rights” means all copyrights, patents, trademarks, trade secrets, moral rights and other intellectual property and proprietary rights.

“Law” or “Laws” means all laws, rules, regulations and other binding requirements of any governmental authority with jurisdiction.

“Merchant Initiated Transaction” means a Charge initiated by you: in respect of your provision of products or services to your Customer; in accordance with a mandate from your Customer authorising you to initiate the Charge or a series of Charges and without requiring any specific action of the Customer to trigger the initiation of the Charge.

“MOTO Transaction” means a Charge initiated by your Customer through a mail order or over the telephone.

“Payment Method” means a type of payment method that Stripe accepts as part of the Stripe Services, such as credit card, debit card and alternative payment methods.

“Payment Method Acquirer” means a financial institution that is authorised by a Payment Method Provider to enable the use of a Payment Method by accepting Charges from customers on behalf of the Payment Method Provider, and routing these Charges to the Payment Method Provider.

“Payment Method Provider” means the provider of a Payment Method, such as Visa, MasterCard and American Express.

“Payment Method Rules” means the guidelines, bylaws, rules, and regulations, as in effect at the time of a Transaction, set by the Payment Method Provider for the use of a Payment Method, and includes the payment card network operating rules specified by Visa, Mastercard, and American Express networks; and the CHAPs and SEPA operating rules.

“Payout Account” means the bank or other financial institution account that you designate to receive settlement funds.

“Personal Data” means information that identifies a specific living person (not a company, legal entity, or machine) and is transmitted to or accessible through the Stripe Services.

“Refund” means the full or partial reversal of a Charge incurred in a Transaction that is initiated by you.

“Reversal” means an instruction initiated by a Payment Method Provider, a Payment Method Acquirer or us to return funds for an existing Charge because: (a) the Transaction is invalidated by the Payment Method Provider; (b) the settlement funds were sent to you in error for any reason; (c) the customer or donor did not have authorization to send the payment; or (d) you received the payment for activities that violated the Payment Method Rules, this Agreement or any other agreement you have with Stripe.

“Stripe Platform” means the hardware, software and other technology that Stripe owns or licenses and which Stripe uses to provide the Stripe Services.

“Stripe Services” (and “Services”, as used in the Financial Services Terms and Payment Terms) means the services offered by Stripe, and includes the services that enable you to accept payments from your customers for Transactions, perform other financial transactions, manage subscriptions, and perform transaction reporting, analytics and other business services as made available to you via Blackbaud.

“Transaction” means a Payment Method request initiated by you via the Stripe Platform with respect to a payment from a customer or donor to you, and includes the authorization, settlement and if applicable, Disputes, Refunds and Reversals, with respect to that Payment Method request.