Last updated: November 18, 2025

These Stripe Payments Company Terms (“SPC Terms”) form a legal agreement between Stripe Payments Company (“SPC”) and the entity or sole proprietor on whose behalf a Stripe account is created (“User”). SPC is a U.S. state-licensed money transmitter and federally registered money services business. These SPC Terms are effective upon the date User first accesses or uses the SPC Services and continues until these SPC Terms terminate.

Certain Services may involve regulated money transmission under U.S. Law. To the extent User’s use of the Services involves money transmission or other regulated services under U.S. Law, those services are the “SPC Services” and are provided to User by SPC, not by Stripe or any other Stripe Affiliate, unless applicable Service Terms specify otherwise. These SPC Terms state the terms and conditions that apply to User’s use of the SPC Services.

1. Relationship to Stripe Services Agreement.

In addition to these SPC Terms, User must also have a Stripe Services Agreement in place with Stripe for technology services that enable instructions to be relayed to SPC. SPC will not charge User fees for the provision of the SPC Services; fees payable for the Services (including technology services related to the SPC Services) will be determined under the Stripe Services Agreement.

1.1 Terms that Apply to User.

User expressly agree to the terms and conditions of these SPC Terms, the Stripe Services Agreement, and any updates or modifications to either of those documents made from time to time by SPC or Stripe. Undefined capitalized terms used in these SPC Terms have the meanings given to them in the Stripe Services Agreement. User represents as of the Effective Date, and warrants at all times during the Term, that all of the information that User provides to SPC directly or through User’s use of the Services is accurate and complete, and that User is authorized to agree to these SPC Terms.

1.2 Incorporation of Stripe Services Agreement.

These SPC Terms are Financial Provider Terms under the Stripe Services Agreement. These SPC Terms incorporate by this reference the terms of the Stripe Services Agreement, including the terms incorporated within the Stripe Services Agreement; except, for purposes of the SPC Services, each reference to "Stripe" in the Stripe Services Agreement will be read as a reference to SPC, each reference to “Agreement” in the Stripe Services Agreement will be read to include these SPC Terms, and the incorporated terms will be limited to the SPC Services. All other parts of the Services will remain governed by the Stripe Services Agreement between User and Stripe.

1.3 Inconsistency.

To the extent there is a conflict between the Stripe Services Agreement and these SPC Terms, these SPC Terms will prevail with respect to the SPC Services. In addition, to the extent there is a conflict between applicable Service Terms and these SPC Terms with respect to the SPC Services, the applicable Service Terms will prevail.

2. The SPC Services.

2.1 Ability to Instruct SPC.

By using the Stripe API or User’s Stripe Dashboard, User may use the Services to send instructions to SPC to add funds to and redeem funds from accounts that User maintain with SPC and to transfer funds to third parties or to User.

2.2 Adding funds.

(a) Methods of Adding Funds. User may add funds to accounts User maintains with SPC from User Bank Accounts or accounts User maintains with SPC or its Affiliate through one or more methods. Depending on the Services available to User, these methods may include bank transfers, payment cards, transfers from other accounts User maintains with Stripe or its Affiliate, or other methods Stripe may make available. User may pass information to SPC and its Affiliates for purposes of adding funds to accounts that User maintains with SPC, including bank account information, payment card numbers, cardholder names, or other applicable information. When User provides this information, User represents as of the date User provides it, and warrants at all times during the Term, that the information is correct and that User is authorized to access and transmit those funds. User authorizes SPC and its Affiliates to use this information to initiate debits to User’s User Bank Accounts or accounts User maintains with SPC or its Affiliate.

(b) Debit Authorizations. With respect to bank transfers, User authorizes SPC and its Affiliates to debit each User Bank Account without separate notice, and according to the applicable User Bank Account Debit Authorization, to add or transfer funds to accounts User maintains with SPC. SPC and its Affiliates may rely on this authorization to make one or more debits to add or transfer funds. This debit authorization will remain in full force and effect until all of the accounts User maintains with SPC are closed. If applicable debit scheme authorization rules grant User the right to revoke User’s debit authorization, then to the extent Law permits, User waives that right.

2.3 Transferring or redeeming funds.

User may instruct SPC to redeem funds from accounts User maintains with SPC and to transfer funds to third parties or to User. Depending on the Services available to User, User may transfer or redeem funds from User Bank Accounts or accounts User maintains with SPC or its Affiliate. User may provide transfer or redemption instructions to SPC and its Affiliates, including information to identify User’s intended recipient, the date on which User would like User’s transfer or redemption to occur, and the currency amount of the transfer or redemption. SPC will use this information to attempt to complete the requested transfer or redemption.

2.4 SPC's obligation to transfer or redeem funds.

SPC will attempt to transfer or redeem funds as User instructs. SPC will return to User any funds that cannot be transferred or redeemed per User’s instructions, subject to the following conditions. Depending on the information User provides, and User’s other use of the SPC Services and the Services, User agrees to allow SPC to pause or terminate any transfers or redemptions for illegal activity, fraud, risk, or compliance purposes, which may include (a) withholding funds to offset chargeback or other fraud losses owed to SPC or its Affiliate; (b) interdicting funds for legal or compliance purposes, such as to comply with U.S. sanctions obligations; and (c) suspending User’s use of the SPC Services.

2.5 Pooled Accounts.

SPC will hold all funds it receives from User for the purpose of adding funds to accounts User maintains with SPC or transferring funds to third parties or to User, together with funds SPC holds for other users and will credit User’s funds to pooled accounts at one or more Financial Providers. SPC will hold User’s funds for User’s benefit, and neither SPC nor Stripe will voluntarily make those funds available to creditors in the event of bankruptcy. Depending on where User’s business is headquartered, additional protections may apply to the funds under User’s state’s money transmission laws.

2.6 Investment of Funds.

To the extent Law, the applicable Financial Provider Terms and applicable Service Terms permit: (a) SPC may invest the funds that it holds in pooled accounts into liquid investments; (b) SPC owns the earnings from these investments; and (c) User irrevocably assigns to SPC all rights User has (if any) to earnings from these investments.

2.7 User's use of SPC Services.

User may not use the SPC Services for illegal activities or for any of the business activities found on the Prohibited and Restricted Business List.

2.8 SPC privacy practices.

SPC will receive data when User uses the SPC Services. SPC will treat User’s data and protect User’s privacy according to Stripe's Privacy Policy.

3. SPC Services not available for personal, family, or household use.

User may not use the SPC Services for personal, family, or household use, unless applicable Service Terms specify otherwise. By using the SPC Services, User represents as of the effective date of these SPC Terms and warrants at all times during the Term that User is a legal entity or a sole proprietor.

4. Allocation of liability and dispute resolution.

Without limiting the general incorporation of the Stripe Services Agreement, please ensure that User carefully reviews the following provisions:

(a) Sections 7.4, 8, and 9 of the General Terms, which allocate responsibility and liability between User and SPC with respect to matters arising under these SPC Terms; and

(b) Section 13 of the General Terms, which provides that a dispute, claim or controversy arising out of or relating to statutory or common law claims, the breach, termination, enforcement, interpretation or validity of any provision of these SPC Terms, and the determination of the scope or applicability of User’s agreement to arbitrate any dispute, claim or controversy originating from these SPC Terms, but specifically excluding any dispute principally related to either party's IP Rights (which will be resolved in litigation before the United States District Court for the Northern District of California), will be determined by arbitration in San Francisco, California before a single arbitrator.

5. Termination.

These SPC Terms automatically terminate if the Stripe Services Agreement terminates for any reason.

6. Contact and complaints.

User can contact SPC at https://stripe.com/contact or by mail to Stripe Payments Company, 354 Oyster Point Boulevard, South San Francisco, California, 94080. SPC may provide User with information and notifications in relation to the SPC Services via User’s Stripe Dashboard.