Last updated: July 2, 2026

We have translated the English version of this page into French. This translation is for informational purposes only and the definitive version of this page is the English version.

Nous avons traduit la version anglaise de cette page en français. Cette traduction n'est disponible qu'à titre informatif : la version officielle est la version anglaise.

These terms ("Stripe Issuing Accountholder Terms") supplement the General Terms, and the Stripe Financial Services Terms, and govern User's use of the Stripe Issuing Accountholder Services. Capitalised terms used in these Stripe Issuing Accountholder Terms that are not defined inline or elsewhere in the Agreement are defined in Section 13.

1. Overview

1.1 Stripe Issuing Services and Stripe Issuing Program.

Stripe and its Affiliates make available the Stripe Issuing Accountholder Services, which includes access to the Stripe Issuing Program, for Stripe Issuing Accountholders. Through the program, User may request and receive Cards issued by Stripe Payments Canada Limited. Stripe will provide the Program services (directly or through a Platform Provider) and will manage the opening of a Card Account, the issuance of Cards linked to such Card Account, and the provision of Cards to Authorized Users.

1.2 Commercial Purposes only.

User confirms that it is acting in its capacity as a business enterprise and not as a consumer. User acknowledges and agrees that this agreement is made only for business purposes and not for personal, family or other household purposes or for farming, ranch, feedlot or other agricultural or fishing purposes and User represents and warrants that it is not a "consumer" under any applicable consumer protection legislation or cost of credit disclosure legislation.

1.3 Preview Services

The Stripe Issuing Accountholder Services are Preview Services. Stripe reserves the right to update these terms, and will notify User as Law requires.

2. Use of the Stripe Issuing Services

2.1 Stripe Issuing Administrator.

User may appoint a Stripe Issuing Administrator to administer the Stripe Issuing Program on User's behalf (e.g., requesting Cards for Issuing Authorized Users, making changes to the Stripe Issuing Account, managing how Issuing Authorized Users use Cards). User must ensure that the Stripe Issuing Administrator complies with these Stripe Issuing Accountholder Terms. User is responsible for the Stripe Issuing Administrator's acts and omissions in connection with the Stripe Issuing Program.

2.2 Issuing Authorized Users.

In the agreement between User and User's Issuing Authorized Users, User must specify that the Issuing Authorized User's use of the Stripe Issuing Program and Stripe Issuing Account must be solely for business-related purchases. User must ensure that Issuing Authorized Users comply with these Stripe Issuing Accountholder Terms, including the prohibition on conducting, or dealing with, a Prohibited or Restricted Business. User is responsible and liable for User's Issuing Authorized Users' acts and omissions in connection with their use of Cards. User may only impose liability on Issuing Authorized Users in connection with the Stripe Issuing Program as Law allows. Issuing Authorized Users act under User's authority and are not customers of Stripe.

2.3 Compliance.

User represents as of the Effective Date, and warrants at all times during the Term, that User (a) is a commercial business enterprise and the Stripe Issuing Account is for business purposes only; (b) will not use, or permit an Issuing Authorized User to use, the Stripe Issuing Accountholder Services for Card Unauthorized Purposes; and (c) will comply, and ensure that User's Stripe Issuing Administrator and Issuing Authorized Users comply, with the Stripe Issuing Program Guidelines.

2.4 Issuing Complaint Handling.

User must submit each Issuing Complaint User receives to User's Platform Provider or, if User does not have one, to issuing-supportcomplaints@stripe.com, within 3 business days after User receives the Issuing Complaint.

2.5 Providing Information.

Stripe may require User to provide User Information, information regarding Issuing Authorized Users (including name, address, birthdate, and government-issued identification documents), and information about User's activities and intended use of the Stripe Issuing Accountholder Services. This information may be in addition to information User has previously provided to Stripe in connection with other Services. User must promptly provide all additional financial and other information Stripe requests from time to time.

2.6 Inquiries.

Stripe (or, if applicable, User's Platform Provider) will manage all inquiries from User regarding Stripe Issuing Accountholder Services, including inquiries related to the use of Cards, and lost, stolen or damaged Cards.

3. Cards

3.1 Card Design.

User may request specific Card designs for Cards issued to User or Issuing Authorized Users. User must provide all proposed Card designs to Stripe for review and approval using the process Stripe requires. Stripe will review Card design proposals for compliance with this Agreement, Law, and Stripe reputational considerations. If Stripe does not approve a proposed Card design, Stripe will recommend modifications that, if made, will meet these requirements. User must resubmit the modified Card design to Stripe for approval using the same process.

3.2 Card Orders.

User may order Cards through User's Stripe Dashboard (or, if applicable, through User's Platform Provider). At User's (or, if applicable, User's Platform Provider's) expense, Stripe will procure and ship (a) Cards based on the information contained in the applicable Card order to the address specified in that Card order; and (b) replacements for Cards reported as lost, stolen or damaged. Risk of loss for Cards passes to the recipient (either User or User's Platform Provider, as applicable) when Stripe ships the Card to the address specified in the order.

3.3 Card Activation.

User must activate a Card through User's Stripe Dashboard (or, if applicable, through User's Platform Provider) before User or User's Issuing Authorized Users use that Card. Stripe will provide activation instructions to User, either directly or with delivery of Cards. User will provide those instructions to User's Stripe Issuing Administrators and Issuing Authorized Users. Once a Card is activated, Issuing Authorized Users may use Cards to initiate Card Transactions on User's behalf.

3.4 Ownership and Cancellation of Cards.

Cards are the property of Stripe. If Stripe requests that User or an Issuing Authorized User return a Card, then User must return, or ensure that the Issuing Authorized User returns, that Card promptly to Stripe as Stripe instructs. User will immediately and at User's expense return cancelled Cards to Stripe or provide written certification that cancelled Cards have been destroyed. Stripe may, in its reasonable discretion, cancel, suspend or restrict the use of a Card at any time, including as required by Law or Card Network Rules, or if a Card is used for a Card Unauthorized Purpose. Stripe will notify User as soon as practicable after cancelling, suspending or restricting a Card, and to the extent Law permits, will inform User of the reasons for the cancellation, suspension or restriction. Stripe will issue a replacement Card or lift the suspension or restriction of a Card as soon as practicable after Stripe, in its sole discretion, determines that the reasons for cancellation, suspension or restriction cease to exist.

3.5 User Materials.

User represents as of the date User submits User Materials for a Card to Stripe for review, and warrants at all times during the Term, that User has the necessary rights in the User Materials to use (and grant Stripe the rights to use) the User Materials on the Cards and for the purposes of the Stripe Issuing Program. User grants to Stripe and its Affiliates a worldwide, non-exclusive, royalty-free licence to use the User Materials on Cards and applicable Stripe Issuing Program materials. User also grants to Stripe and its Affiliates the right to sublicense these rights to third parties that Stripe engages to create Cards and applicable Stripe Issuing Program materials. If User terminates or revokes the licence to the User Materials, then (a) Stripe will stop producing new Cards carrying the User Materials and stop using the User Materials for the purposes of the Stripe Issuing Program; (b) Stripe will not be obligated to recall, destroy or replace any existing Cards carrying the User Materials; and (c) Stripe will not be liable for any delay or failure in performing its obligations to the extent they are adversely affected by the termination or revocation.

4. Operation of Stripe Issuing Accounts and Processing of Card Transactions

4.1 Stripe Issuing Accounts.

The Stripe Issuing Account is an account for which User may request the issuance of Cards. The Stripe Issuing Account will contain sub-accounts (for information purposes only) related to each Card. The Stripe Issuing Account will contain details of Card Transactions processed in respect of each Card, and the amount of funds held in the Stripe Issuing Account across all Cards issued to User. All Cards issued to User are linked to User's Stripe Issuing Account. The Stripe Issuing Account is not a bank account.

5. Loading and redeeming funds

5.1 Loading funds.

User may load funds at par value onto the Stripe Issuing Account using the Stripe Technology via the funding mechanisms Stripe makes available. All funds in the Stripe Issuing Account are safeguarded by Stripe in compliance with Law. User acknowledges and agrees that funds in the Stripe Issuing Account are held by Stripe on User's behalf and are not deposits. User will not earn any interest on any funds held in the Stripe Issuing Account.

5.2 Redeeming funds.

User may redeem the funds on the Stripe Issuing Account at any time in whole or in part at par value. User is not entitled to a refund of money that has already been spent on or held for Authorized Card Transactions. User must request redemptions via the communication methods specified by Stripe (including through the Stripe Technology), specifying the amount of redemption. If User chooses to redeem all of the funds on the Stripe Issuing Account, Stripe will cancel the Cards and User will, at User's sole expense (a) immediately return the cancelled Cards in User's possession or under User's control, or (b) provide written certification of destruction of any cancelled or unused Cards. All redeemed funds will be returned to User by bank transfer to a User Bank Account. User will provide Stripe with any documents reasonably requested by Stripe to enable Stripe to process a redemption request.

5.3 Card Transactions.

Stripe will use a Card Network to authorise, clear, and settle all Card Transactions initiated on User's Cards. Stripe may decline to authorise a Card Transaction or reverse a Card Transaction for any reason, including if (a) Stripe is concerned about the security of the Card or Stripe suspects that the Card is being used without valid authorisation or for a Card Unauthorized Purpose; (b) insufficient funds are available in User's Issuing Balance; (c) Stripe believes that User is acting in breach of this Agreement or the Connected Account Agreement (if applicable) or any other agreement User may have with a Stripe Entity; (d) Stripe believes the Card Transaction is suspicious, fraudulent, illegal or exposes User, Stripe or others to risks unacceptable to Stripe; (e) there are errors, failures or refusals by merchants, payment processors or payment schemes related to the Card Transaction; or (f) the Card Transaction is with a prohibited or restricted merchant or a merchant operating a Prohibited or Restricted Business. If Stripe declines to authorise a Card Transaction, Stripe will, on request, if practicable and to the extent Law permits, inform User of the reason. Stripe is not liable for any losses, damages, costs, fines, fees, or penalties related to reversed or declined Card Transactions.

5.4 Authorisation of Card Transactions.

Subject to the features of the Card, the authorisation of a Card Transaction may include authorising a single Card Transaction or a series of recurring Card Transactions, or pre-authorising a future Card Transaction for a specified or unspecified amount. Stripe will treat Card Transactions as Authorized and consented to by User where Issuing Authorized Users follow the instructions provided by a merchant or Stripe to effectively authorise the Card Transaction at the point of sale (including online), including where the Issuing Authorized User (as applicable) (a) enters a Personal Identification Number (PIN); (b) signs a sales receipt; (c) provides Card and other requested details; (d) taps, waves or swipes the Card at a card reader; or (e) fulfils multi-factor authentication requirements. Authorisation of a Card Transaction cannot be withdrawn or revoked once received by Stripe.

5.5 Processing of Card Transactions.

Stripe will deduct the amount of a Card Transaction from the balance of the Stripe Issuing Account as soon as the Card Transaction is made. When a Card is used to initiate a Card Transaction where the final amount of the Card Transaction is unknown at the time of authorisation, a hold may be placed on available funds in the Stripe Issuing Account for an estimated amount of the Card Transaction as Authorized by (or on behalf of) User that is equal to or in excess of the final amount of the Card Transaction. The funds subject to the hold will not be available to User for any other purpose until the merchant or the Card Network releases the hold, or until Stripe receives the final amount of the Card Transaction, or receives the final payment order.

5.6 Card Transaction Settlement.

Stripe will settle Card Transactions to the relevant Card Network within the required settlement time frame.

5.7 Currency conversions.

If User pays for goods and services in a currency other than the Denominated Currency, the amount payable will be converted at the relevant Card Network's reference exchange rate at the clearing time of the Card Transaction, and a foreign exchange fee will apply. When paying in a currency other than the Denominated Currency, the applicable exchange rate will be shown at the time of the Card Transaction.

5.8 Card Transaction information.

Stripe (or, if applicable, User's Platform Provider) will, through the Stripe Technology, provide User with the Stripe Issuing Account balance and a statement of Card Transactions. User will be able to access and download Card Transaction statements via the Stripe Technology (or, if applicable, from User's Platform Provider). The Card Transaction statements will show (a) information related to each Card Transaction which will enable it to be identified and, where appropriate, information on the payee; (b) the amount of the Card Transaction shown in the currency in which the Card Transaction was paid; (c) the amount of charges for the Card Transaction; (d) where applicable, the actual exchange rate applied to the Card Transaction; and (e) the date the Card Transaction is Authorized on or posted to the Stripe Issuing Account. User must carefully review its Card Transactions on a regular basis to identify any unauthorized or incorrectly executed transactions and, where appropriate, notify Stripe without undue delay in accordance with the terms of this Agreement if an unauthorized or erroneous transactions has occurred.

6. User's Obligations and Use of the Cards

6.1 Use of the Cards.

User and User's Issuing Authorized Users are permitted to use the Cards for Card Transactions. User cannot use Cards for (a) obtaining cash back at ATMs or at the point of sale; or (b) for any Card Unauthorized Purpose. Stripe may, acting reasonably, require User to establish a daily Card Transaction Limit to prevent the risk of loss to Stripe, and to reduce the rate of declined Card Transactions. If Stripe requires a daily Card Transaction Limit, Stripe may decline any Card Transactions in excess of the daily Card Transaction Limit. Cards are valid for the period ending on the expiry date set out on the relevant Card. User may request a replacement Card. Stripe (or, if applicable, User's Platform Provider) may charge a fee for the issuance of replacement Cards. User, (or, if applicable, User's Platform Provider) may establish limits or restrictions on User's Stripe Issuing Account through User's Stripe Dashboard, including spend limits on individual Card Transactions, a maximum spend limit in any given period, a limit on the number of cards issued to User's Stripe Issuing Account and the types of merchants with which User's Cards may be used. User (or, if applicable, User's Platform Provider) is responsible for communicating and implementing any limits to User's Issuing Authorized Users.

6.2 Issuing Authorized User Servicing.

User (or, if applicable, User's Platform Provider) will handle (a) all enquiries regarding Card usage and lost, damaged or stolen Cards; and (b) all other enquiries from Issuing Authorized Users. Stripe will not provide support to Issuing Authorized Users in relation to the Stripe Issuing Services. User may not outsource Issuing Authorized User support to any third party.

7. Card Disputes.

7.1 Reporting Unauthorized Transactions.

If User believes (a) User's Card has been lost or stolen; or (b) there are erroneous or unauthorized transactions on User's Card or Stripe Issuing Account, User must immediately, (i) report any unauthorized Card Transactions to Stripe by filing a dispute through the Stripe Dashboard; and (ii) cancel any compromised Cards through the Stripe Dashboard. Disputing an erroneous or unauthorized Card Transaction will not cancel a Card. User may incur additional liability if User fails to cancel a compromised Card through the Stripe Dashboard.

7.2 Reporting Erroneous Transactions.

If User believes that User's Card or Card Account was subject to an erroneous or otherwise incorrect charge, User must first contact the merchant to dispute the relevant Card Transaction. If User is unable to resolve the dispute with the merchant, then User may dispute the Card Transaction through User's Dashboard. User must report any erroneous or disputed Card Transactions to Stripe within 60 days (or within any extended timeframe required by Law or Card Network Rules) from the date the Card Transaction appears on User's Card Account.

7.3 Reporting Card Disputes.

When User submits or reports an erroneous or unauthorized Card Transaction through the Stripe Dashboard, Stripe will evaluate the submitted information in accordance with Law and Card Network Rules. If Stripe or the Card Network determines, in its sole discretion, that the dispute of the Card Transaction is valid or the Card Transaction was erroneous or unauthorized, Stripe will credit the amount of the applicable Card Transaction back to User's Card Account. If Stripe fully or partially credits the amount of any Card Transaction to User's Card Account, User agrees to transfer, and, if necessary, to execute any necessary agreements, to effect the transfer, to Stripe all claims (excluding tort claims) that User may have against the merchant for the Card Transaction.

8. Card Security.

8.1 Securing Cards and Account Data.

User must secure Cards and Personal Data in User's possession or control, and User must ensure that User's Issuing Authorized Users secure Cards and Personal Data in their possession or control. When stored or processed digitally, User must use appropriate organisational, physical and technical measures to secure Cards and Personal Data in User and User's Issuing Authorized Users' possession or control, including through the use of industry-standard encryption and anti-fraud measures. User must monitor for any suspicious or unauthorized activities and fraud on User's Stripe Issuing Account and each Card.

8.2 Unauthorized Transactions.

Subject to applicable Law, User's Card Account is a commercial account and does not provide all consumer protections for lost or stolen Cards or unauthorized Card Transactions. User and its Authorized Users are responsible for securing Cards, Account Data, and Card security features (including the CVV and PIN). User acknowledges that it is User's responsibility to monitor any suspicious or unauthorized activities on its Card Account and each Card. To the extent Law permits, User is responsible for Card Transactions, fees, and penalties that User or Stripe incur as a result of any Issuing Authorized User's failure to (a) exercise reasonable care in safeguarding Cards from loss or theft; or (b) promptly report loss or theft of a Card, including fraud. Additionally, to the extent Law permits, if User or an Issuing Authorized User allows another party to use the Card or Account Data for any purpose or if an unauthorized person uses a Card or Account Data, User will be liable for that use, including all losses, damages and costs arising out of or relating to that use. To the extent Law permits, Stripe is not liable for any losses, damages or costs to User or its Authorized Users arising out of or relating to (y) unauthorized access to or use of a Card or User's Card Account; or (z) User's failure to use or implement anti-fraud measures, security controls or any other data security measures.

9. Stripe Issuing Program Fees

9.1 Stripe Issuing Program Fees.

Stripe will provide User the Stripe Issuing Services to User at the rates and for the fees described on the Stripe Pricing Page unless User and Stripe otherwise agree in writing. If User is a Connected Account, User may receive the Stripe Issuing Services through the relevant Platform Provider at other rates or fees disclosed to User by the Platform Provider. In addition to the fees, and subject to applicable Law, User is also responsible for any penalties imposed on User, Stripe or any Stripe Affiliate in relation to the Stripe Issuing Account and all Cards. Fees and penalties may include periodic fees, foreign transaction fees, penalties for misuse, funds transfer fees, account maintenance fees, Card issuance or replacement fees, and penalties for late or failed payments. All fees or penalties User owes are in addition to amounts User owes for Card Transactions on Cards. Stripe may change fees or penalties by providing User advance notice before revisions become applicable to User, subject to applicable Law.

9.2 Liability for Losses.

As between User and Stripe, User is responsible for all Card Transactions and User will reimburse Stripe for any losses, damages, costs, fines, fees, or penalties that Stripe and its Affiliates incur that result from User's actions or inactions, or those of User's Issuing Authorized Users, including liability related to insufficient funds availability or debit reversals.

10. Data Protection

10.1 Data Protection.

User represents as of the Effective Date, and warrants at all times during the Term, that User has and maintains all necessary rights and consents under Law to provide to Stripe and to allow Stripe to collect, use, retain and disclose, all Personal Data that User provides to Stripe or authorise Stripe to collect, including data that Stripe may collect directly from Issuing Authorized Users. User is solely responsible for disclosing to Issuing Authorized Users that Stripe may receive Personal Data from User. User must provide all necessary notices to and obtain all necessary rights and consents from each Issuing Authorized User sufficient to enable Stripe to lawfully collect, use, retain and disclose their Personal Data in the ways this Agreement and Stripe's Privacy Policy describe. Stripe may provide Issuing Authorized Users' Personal Data to third-party service providers, including Card Networks, third parties engaged for Card printing services, and their respective Affiliates, as well as to Stripe's Affiliates, to enable Stripe to provide the Stripe Issuing Program. Stripe may delete or disconnect an Issuing Authorized User's Personal Data from User's Stripe Issuing Account when Law or the Card Network Rules require.

11. Disclaimer of Liability.

Stripe is not liable to User, Stripe Issuing Administrators or Issuing Authorized Users for any losses, damages, costs, fines, fees, or penalties sustained by User, Stripe Issuing Administrators or Issuing Authorized Users due to delay or failure in actioning a Card Transaction request.

12. Additional Remedies.

12.1 Stripe Remedies - Specific Triggers.

Without limiting Stripe's other rights or remedies under this Agreement, Stripe may exercise any one or more of the remedies stated in Section 12.3 of these Stripe Issuing Accountholder Terms if Stripe determines that a User Entity: (a) has exceeded limits on Available Spend; (b) has experienced excessive Card Transaction disputes or unauthorized Card Transactions; (c) is or is likely to become the subject of an Insolvency Event; (d) has a negative Stripe Account Balance, or owe liability to Stripe or any of its Affiliates; (e) has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material; (f) has breached or is likely to breach, or has caused or is likely to cause Stripe to breach, this Agreement (or any other Stripe services agreement with a Stripe Entity) or the Financial Provider Terms applicable to the User Entity's use of the Services; (g) has violated or is likely to violate Law or Financial Provider Terms; (h) has caused or is likely to cause Stripe to violate Law or Financial Provider Terms; (i) has experienced or is likely to experience a Change of Control; (j) has, without Stripe's prior consent, changed its business model (including services supplied by a User Entity to its customers), exposing Stripe to increased risk; (k) has acted in a manner or engaged in business, trading practice, or other activity that presents an unacceptable risk; (l) is required to indemnify Stripe under this Agreement; (m) has experienced a suspension or termination of its Stripe Issuing Account; or (n) fails to comply with the applicable requirements related to securing Cards and Personal Data.

12.2 Stripe Remedies - General Trigger.

Without limiting Stripe's other rights or remedies under this Agreement, Stripe may exercise any or all of the remedies stated in Section 12.3 of these Stripe Issuing Accountholder Terms if (a) Stripe reasonably determines that Stripe may incur losses resulting from credit, fraud, criminal activity, or other risks associated with a User Entity after these Stripe Issuing Accountholder Terms terminate; or (b) Law requires.

12.3 Stripe Remedies - Scope.

Without limiting Stripe's other rights or remedies under this Agreement, if a triggering event in Sections 12.1 or 12.2 of these Stripe Issuing Accountholder Terms (or any other provision of this Agreement that refers to these remedies) has occurred, then Stripe may: (a) establish, fund, and use a Reserve; (b) suspend or terminate User and User's Authorized User's ability to make Card Transactions; (c) require User to provide a guarantee (including a personal, parent, or bank guarantee) or letter of credit in a form and substance that satisfies Stripe; (d) debit the User Bank Accounts or the bank or financial institution accounts of any or all User Group Entities that have entered into an agreement with a Stripe Entity under which a Stripe Entity provides services; and (e) setoff or recoup all amounts that Stripe reasonably determines a User Entity owes to a Stripe Entity under this Agreement or another agreement, against any amounts that a Stripe Entity, owes to a User Entity, whether the amounts owed are matured, unmatured, liquidated, or unliquidated.

13. Definitions.

"Amounts Due" means any amounts related to Card Transactions, fees, penalties, finance charges, and other amounts incurred through User's use of Cards or posted to User's Card Account. "Available Spend" means the aggregate dollar amount available for Card Transactions on all Cards. Available Spend is equal to User's Total Spending Limit minus the amount of any outstanding unpaid amounts and holds on User's Cards. "Card" means a business charge card that is issued by Stripe Payments Canada Limited and linked to User's Card Account. "Card Account" means the account maintained with Stripe Payments Canada Limited through which User may request the issuance of Cards. "Card Network" means a payment card network, including the network operated by each of Visa, Mastercard, American Express, and Discover. "Card Network Rules" means the Payment Method Rules published by a Card Network. "Card Program Terms" means the program terms a Platform Provider provides to User. "Card Unauthorized Purpose" means (a) a fraudulent or illegal purpose; (b) a consumer, personal, or household purpose; and (c) any purpose unrelated to the Stripe Issuing Services. "Card Transaction" means a transaction to make a payment with a Card. "Card Transaction Limit" means the maximum amounts available for Card Transactions on a Card. "Charge Card Program" means a Program (a) with a Total Spending Limit that is communicated to User by its Platform Provider and (b) requires User to repay all outstanding amounts at the end of each payment period, as communicated to User by its Platform Provider. "Denominated Currency" means Canadian Dollars or such other currency as Stripe may make available to User. "Issuing Authorized User" means any person User authorizes to use Cards and make purchases and other Card Transactions on behalf of User's business, including but not limited to User's individual employees, independent contractors, and representatives. "Issuing Balance" means a stored value account provided to User by Stripe Payments Canada Limited. "Issuing Complaint" means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program. "Payment Source" means the asset account from which User pays Amounts Due. User's Payment Source may be (a) the Issuing Balance; (b) any account at a third-party financial institution that User has linked to User's Stripe Account; or (c) another asset account of User's choice. "Platform Provider" means the platform that gives User access to the Stripe Issuing Program (if User is a Connected Account or if User otherwise accesses the Stripe Issuing Program through a platform). "Privacy Policy" means any or all of a publicly posted privacy policy, privacy notice, data policy, cookies policy, cookies notice, or other similar public policy or public notice that addresses a party's Personal Data practices and commitments. "Spend Card Program" means a Stripe Issuing Program (a) with a Total Spending Limit that is supported by the CAD dollar amount in User's Issuing Balance and (b) requires User to repay all outstanding amounts each business day. "Stripe Issuing Account" means the account Stripe maintains for a Stripe Issuing Accountholder, and each subaccount to that account. "Stripe Issuing Accountholder" means a business or organization that has successfully completed the onboarding requirements described in these Stripe Issuing Accountholder Terms and been approved for a Stripe Issuing Account. "Stripe Issuing Accountholder Services" means Services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, and related Stripe services, including (a) providing Stripe Issuing Accountholders with access to Cards; (b) enabling Stripe Issuing Accountholders to manage Card spend; and (c) other services described in the Stripe Issuing Accountholder Terms. "Stripe Issuing Administrator" means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Programs. "Stripe Issuing Program" means Card issuing services that Stripe provides, together with the Stripe Issuing Accountholder Services. "Total Spending Limit" means the maximum amount of credit made available to User through User's Card Account for Card Transactions. "User Materials" means (a) all Marks or other materials that User or a Stripe Issuing Accountholder wish to place on Cards; or (b) all other materials that User provides to Stripe for the purposes of the Stripe Issuing Programs.

Appendix A: Spend Card Program

This Appendix A applies to User if User participates in the Spend Card Program.

1. Issuing Balance.

User must fund an Issuing Balance designated by Stripe to support the credit extended to User through User's Card Account. Stripe and, if applicable, User's Platform Provider may view and verify the amount of the Issuing Balance at any time.

2. Total Spending Limit.

Stripe will establish User's Total Spending Limit as the amount equal to the total amount of funds available in User's Issuing Balance. The funds in User's Issuing Balance are collateral and security for the Amounts Due.

3. Issuing Balance and Available Spend.

If payments on User's Card Account are made from User's Issuing Balance, User's Available Spend will be decreased each business day by the Amounts Due until User loads additional funds to User's Issuing Balance. If (a) User's Issuing Balance is terminated for any reason, (b) the amount of User's Issuing Balance falls to zero, or (c) Stripe does not receive payment from another Payment Source, then User's Available Spend will be zero and User will not be permitted to initiate Card Transactions through User's Cards.

4. Repayments.

(a) Repayment Period. All Amounts Due must be paid each business day. (b) Repayments from User's Payment Source. In accordance with the User Bank Account Debit Authorization, User authorizes Stripe to automatically debit or offset Amounts Due for Card Transactions and any other Amounts Due to Stripe from a Payment Source each business day. If User selects a default Payment Source, Stripe will initially seek repayment from User's default Payment Source. If Stripe is unable to collect Amounts Due from the default Payment Source, Stripe will attempt to collect Amounts Due from other Payment Sources. If the Amounts Due exceeds the amounts or proceeds available from the Payment Sources, Stripe may debit or offset outstanding Amounts Due from any other financial account held by User or require User to immediately transfer the amount of any uncollected Amounts Due. User will pay all legal fees and other reasonable costs and expenses incurred by Stripe in connection with the collection of any Amounts Due. If User does not designate a default Payment Source, Stripe will treat User's Issuing Balance as the default Payment Source.

Appendix B - Charge Card Terms

This Charge Card Appendix applies to User if User participates in the Charge Card Program.

1. CHARGE CARD PROVISIONS.

The following provisions apply to User's use of the Charge Card Program.

1.1 Total Spending Limit.

Based on User's application, User's Total Spending Limit will be disclosed to User by User's Platform Provider when User is approved for a Card Account.

1.2 Repayments Generally.

Amounts Due will be paid in the manner required by the Card Program Terms.

1.3 Repayment Period.

The repayment period applicable to User's Card Account is set forth in User's Dashboard or User's Card Program Terms.

1.4 Fees.

Fees applicable to User's Card Account are set forth in User's Dashboard or User's Card Program Terms.