Last updated: April 14, 2026
1. Instant Settlement Services.
These terms (“Instant Settlement Terms”) supplement the General Terms and the Stripe Financial Services Terms and govern User’s use of the Instant Settlement Services. Capitalized terms that are not defined in these Instant Settlement Terms have the meanings given to them in the General Terms or the Stripe Financial Services Terms.
2. Preview Services.
The Instant Settlement Services are Preview Services. Stripe reserves the right to update these terms, and will notify you as Law requires.
3. Instant Settlement Timing.
Stripe will make Instant Settlement Transaction funds available to User in an eligible Stripe Account, within 60 minutes from the time of the successful capture of the Transaction, unless an Instant Settlement Delay occurs, or Stripe exercises a right under the the Agreement to withhold or delay the transfer.
4. Instant Settlement Conditions.
The Instant Settlement Services are only available for: (a) Instant Settlement Payment Methods; (b) currencies designated by Stripe in the Documentation; and (c) eligible Stripe Accounts that Stripe has enabled for use of the Instant Settlement Services.
Users who opt-in to Instant Settlement will be able to receive this accelerated availability for the first $10k/day of their transaction volume. Above this amount, users will receive settlement of their funds at Next-Day settlement speed and price.
Users who opt-in to Instant Settlement (T+0) can adjust all of their settlement to change to an entirely Next-Day Settlement (T+1) basis or Standard Settlement (T+2). If you choose to change the settlement option by using your Stripe Dashboard, that change will be reflected by the next day.
5. Termination of the Instant Settlement Services.
User may terminate its use of the Instant Settlement Services in respect of an eligible Stripe Account at any time in the Stripe Dashboard. Termination will become effective on the next business day. Following termination of the Instant Settlement Services, settlement of Transaction funds to the Stripe Account will be made in accordance with the default Payout Speed for the applicable Payment Method.
6. Disclaimers.
6.1 Availability. Stripe does not offer service levels for the Instant Settlement Services.
6.2 Reliance. Your reliance on the Instant Settlement 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 Instant Settlement Services, and any actions that you may take based on the Instant Settlement Services.
6.3 General Disclaimer. Stripe provides the Instant Settlement 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 Instant Settlement Terms, the Instant Settlement 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.
7. Term and Termination
Term and Termination. These Instant Settlement Terms will apply until the first to occur of (a) Stripe making the Instant Settlement Services generally available to all Stripe users in the Instant Settlement Territory; (b) Stripe notifying you that it will stop offering the Instant Settlement Services to you (which Stripe may decide to do at any time, in its discretion); (c) you ceasing to use the Instant Settlement Services in accordance with these Instant Settlement Terms; or (d) termination of the Agreement. If Stripe makes the Instant Settlement Services generally available to all Stripe users in the Instant Settlement Territory, your continued use of Instant Settlement Services will be subject to terms and Fees that Stripe may specify at that time.
8. Definitions
“Instant Settlement” means the settlement of Instant Settlement Transaction funds to an eligible Stripe Account within 60 minutes from the time of the successful capture of the Transaction.
“Instant Settlement Delay” means a delay to an Instant Settlement caused by: (a) the unavailability of a Financial Provider, Governmental Authority, telecommunications provider, or internet service provider; (b) incorrect information, such as a bank account number, provided to Stripe; (c) User’s equipment, software, or other technology; (d) a Force Majeure Event; (e) fraud or sanction screening as required or requested by Stripe, its Financial Providers, or recipient banks; (f) a delay or failure of a Financial Provider to settle a Transaction to Stripe, including as a result of a Financial Provider’s default, insolvency, or bankruptcy; or (g) 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).
“Instant Settlement Payment Method” means a Payment Method that Stripe has enabled for User’s use of the Instant Settlement Services.
“Instant Settlement Services” means the Services that enable User to make an Instant Settlement.
“Instant Settlement Transaction” means a Instant Settlement Payment Method transaction request initiated via the Stripe Technology through which Stripe is directed to capture funds for or from a payer’s associated account with respect to a payment from a Customer to User, and includes the authorization, settlement, and if applicable, Disputes, Refunds, and Reversals with respect to that Instant Settlement Payment Method transaction request.