Last updated: February 11, 2022

Link Account Terms

We provide an End User Service to create a Link account or to save your information for faster checkout at businesses that use our services, including Link. These Link Account Terms, along with the End User Terms of Service above, apply when you use this End User Service.

We may ask if you’d like us to “remember you” for future payments across our eligible merchants (i.e., our Business Users), including when you check out on their websites and applications. When you allow us to remember you, we will store certain identifying information, such as your email address or mobile phone number (“Log-In Credentials”), and the payment information you give us, such as credit card, debit card, or bank account numbers (“Payment Account Details”). As part of your Payment Account Details, we may also store information such as your name, billing address and shipping address. The advantage of us remembering you is that you may be able to pay more quickly and easily with the same Business User, as well as when you visit our other eligible Business Users’ sites or apps – this can be especially handy when you’re on a mobile device or don’t have your Payment Account Details in front of you.

If you allow us to remember you, we or the Business User will use cookies or similar technologies to link your web browser or device to your Log-In Credentials and to recognize you when you visit that Business User or another Business User on the same browser or device. You can then make purchases using your saved Payment Account Details across our eligible Business Users when you are logged in with us on the same browser or device. If we don’t recognize you (for example, because you’ve logged out of Link), we may provide a way for you to verify yourself (for example, by sending you a verification code via SMS text message) in order for your stored Payment Account Details to be used.

You may only save Payment Account Details with us that you are authorized to use. Link doesn’t change anything else about your relationship with the Business User. In addition, your relationship with your payment method (for example, your bank or your credit card company) remains unchanged. Removing a payment method from your Link account does not cancel or change any obligations or amounts you still owe to a Business User.

Debit and credit card payment methods

Please keep your payment card information current. We may update the details of your saved payment card, without any action on your part, based on proprietary and third-party sources available to us.

Bank account payment methods

To allow you to pay with your bank account on Link, we will ask you to link your bank account to enable us, and where identified, one of our Business Users (i.e., your merchant), to collect data from that bank account. For example, once you agree to link your bank account, a Business User may verify that your bank account is valid and check your balance to confirm there are sufficient funds for your purchase. Please refer to the Business User’s privacy policy to understand how it may use your bank account data. We may use your bank account data to, among other things, streamline your requested payments and assess your eligibility for and offer you End User Services that we or our affiliate provides. Please see the Financial Connections Terms below for more information.

Each time you use a linked bank account to pay one of our Business Users, you are authorizing us to immediately debit that bank account for the amount you authorize the merchant to charge. You authorize us to retry a debit on your bank account if your bank rejects the original debit for any reason. You agree that your grant of the authorization in this paragraph complies with the National Automated Clearinghouse Association (NACHA) operating rules and has the same legal effect as if you had signed a paper mandate containing the same terms. Your use of your bank account as a payment method is also subject to the terms, benefits, and protections associated with your personal bank account. If you use your bank account as a payment method, and do not have sufficient funds to make a purchase, you could incur overdraft fees with your bank. If at any time you would like to revoke this authorization or you no longer want your bank account to be a payment method saved to your Link account, you must disconnect your bank account from your Link account.

Refunds

When you purchase something from a Business User and the transaction is ultimately refunded, the money will be refunded to the original payment method you used for the transaction.

Backup payment method

If your default or selected payment method is unavailable or the transaction is unsuccessful using that payment method (for example, because your bank account has insufficient funds), we may charge one of your other payment methods saved to Link. In those instances, we will identify that a backup payment method applies before you complete the purchase (e.g., whether during a one-time checkout or for any subscription payments, during the initial subscription purchase). If you do not want us to charge a backup payment method, you must remove your other payment methods from your account.

Security

We will use reasonable efforts to keep your Payment Account Details secure. Learn more about our security here. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. We encourage you to use a strong password and never share your password with anyone or use the same password on other sites or accounts. If you have reason to believe that the security of your account has been compromised, please contact us immediately at support@stripe.com