Global Financial Account Services Terms

Last updated: August 27, 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 without notice to you. Stripe may add or remove features of the Service at any time.

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.

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 immediately and provide all information requested by Stripe.

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 to withhold or delay the Global Financial Transaction.

(b) Stripe may place a Transaction Hold on funds transferred to your Global Financial Account (i) if Stripe reasonably doubts that it can collect the amounts owed to Stripe; (ii) if Stripe is concerned about potential fraud or other misconduct, including for new Global Financial Accounts or large transfers of funds; (iii) if Stripe is concerned about compliance with the Global Financial Regulatory Requirements; or (iv) for any other reason permitted by the Agreement or the Global Financial Regulatory Requirements. Stripe may place a Transaction Hold for more than your Available Balance.

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. 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 Global Financial Transactions.

(a) 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.

(b) No Overdraft Features. There is no overdraft feature associated with your Global Financial Account. If your Global Financial Account has a negative balance, at Stripe’s request, 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 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

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 Services 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 Initiation. An Outbound Transaction extinguishes any payout liability that Stripe may have in respect of the payout amount. You acknowledge that once an Outbound Transaction is initiated, it cannot be cancelled or reversed, and Stripe may not be able to (and is under no obligation to attempt to) retrieve funds sent via an 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 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.

“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 money transmission 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 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 the ACH Network and Card 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 US-domiciled bank or other US-domiciled 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 USD and any other 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.

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

Regional Terms

Your Country or Region

Additional provisions that apply to you

United States

1. Global Financial Custodial Account; FDIC Insurance. SPC will hold the funds represented in a Global Financial Account in a Global Financial Custodial Account and will have control over those funds. The Holding of Funds section (typically Section 5.2) and any similar section in the Agreement will not apply to funds held in the Global Financial Custodial Accounts, and Stripe has no rights to any interest earned on funds held in those accounts. Funds in a Global Financial Custodial Account are expected to be eligible for pass-through FDIC Insurance, up to the then-current per depositor limit. FDIC Insurance coverage is contingent on determinations FDIC makes at the time the Financial Account Bank goes into receivership or other form of insolvency. The FDIC Insurance per depositor limit applies to the aggregate of all funds that you have on deposit with the relevant Financial Account Bank as beneficial owner, including all funds in another account with the Financial Account Bank. FDIC Insurance applies only to funds that have settled in a Global Financial Account and does not apply to funds that are provisionally credited to a Global Financial Account or that are pending but not yet settled. Stripe may earn a fee from the Financial Account Bank in connection with the Global Financial Account Services.

2. ACH Access.

2.1 Origination. Under the Nacha Operating Rules, you are the Originator of the Entries you originate via your Global Financial Account. You must (a) obtain the consent of each of your payors and payees in compliance with the Nacha Operating Rules before originating an Entry over the ACH Network to debit or credit their account; and (b) maintain the security and integrity of all information you collect in the course of making an Entry. SPC may suspend your access to the ACH Network if you originate an Entry that results in a dispute or unauthorized Global Financial Transaction.

2.2 Credit Entries. Your rights and obligations concerning any credit Entry transmitted via the ACH Network are governed by, and construed in accordance with, the laws of the State of New York. Credit given to the recipient by the recipient’s financial institution for any such credit Entry will be provisional until the recipient’s financial institution has received final settlement through a Federal Reserve Bank or otherwise has received payment as provided for in Section 4A-403(a) of Article 4A of the Uniform Commercial Code as enacted in the State of New York. If the recipient’s financial institution does not receive such payment for the credit Entry, the recipient’s financial institution is entitled to a refund from the recipient in the amount of the credit to the recipient’s account, and you will not be considered to have paid the amount of the credit Entry to the recipient.

3. Compliance with ERISA. 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 you do not lend funds to your Global Financial Account or otherwise deliver property to Stripe on behalf of:

(a) an “employee benefit plan” within the meaning of Section 3(3) of ERISA;

(b) a “plan” within the meaning of Section 4975(e)(1) of the IRS Code;

(c) an entity whose underlying assets constitute “plan assets” subject to Title I of ERISA or Section 4974 of the IRS Code by reason of Section 3(42) of ERISA, U.S. Department of Labor Regulation 29 C.F.R. Section 25.10.3-101 or otherwise; or

(d) a “governmental plan” (as defined in ERISA or the IRS Code) or another type of plan (or an entity whose assets are considered to include the assets of a governmental plan or other plan) that is subject to any Law or restriction that is substantively similar or of similar effect to Section 406 of ERISA or Section 4975 of the IRS Code.

Definitions.

“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.

“Global Financial Account Territory” means the United States and its territories and protectorates (excluding the Northern Mariana Islands, US Virgin Islands, and Guam) and any other territories Stripe may make available from time to time for Outbound Transactions or other permitted Global Financial Account Transactions as separately communicated to you.

“Global Financial Custodial Account” means a custodial account that SPC maintains, in its name, at the Financial Account Bank, for the benefit of all accountholders using the Global Financial Account Services.