Last modified: December 15, 2023

1. Stripe Payments Services.

These terms (“Stripe Payments Terms”) supplement the General Terms and govern your use of the Stripe Payments Services.

2. Your Business.

You are solely responsible for the nature and quality of the goods and services you provide (or if you accept donations, the intended use of those donations), and for Transaction receipts, delivery, support, refunds, returns, and for all other ancillary services you provide to Customers. You are solely responsible for verifying each Customer’s identity, determining a Customer’s eligibility and authority to complete a Transaction, and all other issues related to your goods and services and business activities.

3. Payment Methods and Transactions.

3.1 Acceptance and Use Requirements.

As part of the Stripe Payments Services, you may accept payment from Customers using various Payment Methods by submitting Transactions to Stripe through the Stripe Technology. All Payment Methods have specific requirements for their acceptance and use. These requirements may be incorporated into the Stripe API and other Stripe Technology, and may be described in the Documentation, the Payment Method Rules and Payment Method Terms. You must comply with all of these acceptance and use requirements.

3.2 Payment Method Rules and Payment Method Terms.

Your acceptance and use of a Payment Method may be subject to Payment Method Rules, Payment Method Terms, or both. Using the Stripe Payments Services to accept a Payment Method or submit a Transaction constitutes your acceptance of the applicable Payment Method Rules and Payment Method Terms (if any). Payment Method Rules and Payment Method Terms are Financial Services Terms for purposes of this Agreement. In the event of any inconsistency between any provision of this Agreement and the Payment Method Rules or Payment Method Terms, the applicable Payment Method Rules or Payment Method Terms will prevail to the extent of the inconsistency. The Payment Method Terms and Payment Method Rules may be amended from time to time. Your continuing use of the applicable Stripe Payments Services constitutes your agreement to those amended terms.

3.3 Acquirer Terms.

Some Payment Method Providers require that their Payment Methods be accepted only through a Payment Method Acquirer, which may be Stripe, its Affiliates, or a Financial Partner. Some of these Payment Method Providers, such as Visa and Mastercard, require you to enter into Acquirer Terms, which will (a) identify the Payment Method Acquirer responsible for Transactions using that Payment Method Provider’s Payment Method; and (b) establish a direct contractual relationship and terms between you and the Payment Method Acquirer, as those Acquirer Terms further describe. The Acquirer Terms, which are Financial Services Terms for purposes of this Agreement, describe the Payment Methods to which they apply, and when they go into effect. The Payment Method Acquirer for Visa and Mastercard Transactions is Stripe PSP. By using the Stripe Payments Services to submit Visa or Mastercard Transactions, you agree to the STEL Acquirer Terms. Stripe may add or remove Payment Method Acquirers at any time.

3.4 Payment Method Providers and Payment Method Acquirers.

Irrespective of whether Acquirer Terms apply, your acceptance and use of the Payment Method may also be subject to Payment Method Rules or Payment Method Terms (or both), as Section 3.2 of these Stripe Payments Terms describes. Payment Method Providers and Payment Method Acquirers are Financial Partners for purposes of this Agreement. Payment Method Providers may enforce the terms of this Agreement directly against you with respect to that Payment Method Provider’s Payment Method(s). A Payment Method Provider or Payment Method Acquirer may terminate your ability to accept a Payment Method at any time and for any reason, in which case you will no longer be able to accept that Payment Method under this Agreement. Stripe may add or remove Payment Method Providers at any time.

3.5 Card Transactions.

(a) Card Network Rules. When accepting payment card Transactions, you must comply with all applicable Card Network Rules, including the Visa Rules specified by Visa, the Mastercard Rules specified by Mastercard, and the Card Network Rules specified by American Express. Each Card Network may amend its Card Network Rules at any time without notice to you.

(b) Location and Identification. You may only accept payment card Transactions in locations authorised by Stripe and the applicable Card Network. The Card Networks may request information and certification relating to your location, and make a final determination of your location. You must prominently and clearly disclose your name, address, and country location to Customers before Customers are prompted to provide payment card information. You must ensure that Customers understand that you are responsible for the Transactions. You must not act as or hold yourself out as a payment facilitator, intermediary or aggregator, or otherwise resell the Stripe Payments Services. You must not misrepresent yourself as being a member of any Card Network.

(c) Use of Cash. You must not provide cash refunds for a completed Transaction made with a payment card, unless required by Law. You must not use Stripe Payments Services for any transaction for a cash disbursement or purchase of cash vouchers without approval from Stripe. You must not permit Customers to use payment cards to disburse cash to a third party, except to the extent the Card Network Rules permit.

(d) Debt Repayment. You must not accept payment card Transactions (i) to collect or refinance existing debt that you have deemed uncollectible or that is uncollectible by Law; (ii) for previous card charges; or (iii) to collect a dishonoured cheque. Debt repayment is only permitted when performed in compliance with the Card Network Rules.

(e) Surcharging. The Card Network Rules limit your ability to (i) discriminate by payment card brand or type, charge surcharges or other fees, or Taxes for acceptance of payment cards; and (ii) provide discounts. Except to the extent the Card Network Rules or Law permits, you must not charge surcharges or other fees, or Taxes for accepting payment cards. You must notify Stripe at least 60 days before you intend to charge these fees or Taxes, and must collect them only as part of the submitted amount of the Transaction. The Card Network Rules do not prohibit you from expressing a preference for the Mastercard or Maestro payment application.

(f) Use of Payment Card Account Data. You must not request or use a payment card account number for any purpose other than for a Transaction. You must not use payment card account numbers or payment card Transaction data other than as Law, the Card Network Rules and this Agreement permit. You must not store the card verification value (or similar security code) data after card authorisation.

(g) Waiver of Dispute Rights. You must not require, as a condition to card acceptance, any Customer to waive a right to dispute a Transaction.

(h) Non-Disparagement. You must not disparage, criticise or mischaracterise any Card Network or any of their services, cards or programs, or submit any Transaction that harms any Card Network.

(i) Audit and Forensic Investigations. A Card Network may initiate audits and forensic investigations in accordance with its Card Network Rules. You must fully cooperate with these audits and forensic investigations. This subsection (i) will survive termination of this Agreement.

(j) Security Programs. You must comply with the Card Networks’ security standards, requirements and programs (e.g., the Visa Account Information Security Program), and all Card Network Rules governing the privacy, protection, and your use, storage and disclosure of data.

(k) Limited Acceptance. Each Card Network may allow you to accept only a subset of that Card Network’s cards, in which case you must follow the Card Network Rules that govern limited acceptance.

(l) Minimum or Maximum Amounts. You must not establish minimum or maximum amounts for payment card Transactions, except as the Card Network Rules permit.

(m) Forms. You must not require any Customer to complete a form that includes the Customer’s signature or any Payment Account Details in plain view when mailed.

(n) Harmful Material. Your site and establishment (if applicable) must not contain libelous, defamatory, obscene, pornographic or profane material or any instructions that may cause harm to individuals.

(o) Acceptance. If you accept payment cards, then you must indicate that fact wherever you inform your Customers of the Payment Methods you accept, including on your website.

(p) Estimated Amounts. If you wish to obtain authorisation for the estimated amount of a Transaction, you must obtain your Customer’s consent to the estimated amount before requesting the authorisation. As soon as you become aware of the full amount to be captured, you must submit the request to capture funds. If the full amount of the charge exceeds the amount for which you obtained an authorisation, you must obtain a new authorisation for the full amount.

(q) Intra-EEA and Intra-country Transactions. You must use the same name in authentication messages you submit for intra-EEA Transactions and intra-country Transactions.

(r) PIN Entry Device Asset Management. You must appropriately manage PIN entry device assets, including by (i) recording the stock and serial numbers of each PIN entry device; (ii) recording the location of each PIN entry device; and (iii) undertaking basic electronic and physical identification and authentication of each PIN entry device.

3.6 American Express Conversion – Only Applicable to the American Express Card Network.

If your American Express Transaction volume exceeds the applicable threshold amount set by American Express, American Express may convert you to a direct American Express merchant. As a direct American Express merchant, you and American Express will enter into a separate agreement which will govern your acceptance of American Express payment cards, and you and American Express must directly agree to your pricing and other fees payable for American Express Transaction processing. Stripe will continue to process your American Express Transactions in accordance with this Agreement, except that Stripe will incorporate the new pricing and fees into the applicable Stripe fees.

3.7 Data Sharing.

Stripe may share information about your Stripe Account, including User Information, with Payment Method Providers and Payment Method Acquirers as Stripe believes necessary to verify your eligibility to use the Stripe Payments Services, establish any necessary accounts or credit with Payment Method Providers and Payment Method Acquirers, monitor Transactions and other activity, and conduct risk management and compliance reviews. Stripe may also share data, including Protected Data, with Payment Method Providers and Payment Method Acquirers, and they may use and share this data, for the purpose of assessing your compliance with Financial Services Terms and facilitating Stripe’s, the Payment Method Providers’, and the Payment Method Acquirers’ compliance with Law, Payment Method Rules and Payment Method Terms. You waive your right to bring any claim against Stripe arising from Stripe sharing information about User Group with Payment Method Providers and Payment Method Acquirers, including any inclusion on a Terminated Merchant List that results from this sharing. Stripe may periodically review your Stripe Account information to verify that you are eligible to use the Stripe Payments Services.

3.8 Customer Communication.

When using the Stripe Payments Services you must, with respect to Customers (a) accurately communicate and not misrepresent the nature, amount and currency of each Transaction prior to submitting it for processing; (b) provide a receipt that accurately describes each Transaction; (c) provide a meaningful way to contact you in the event that your goods or services are not provided as described; (d) not use the Stripe Payments Services to sell goods or services in a manner that is unfair or deceptive, exposes Customers to unreasonable risks, or does not disclose material terms of a purchase in advance; (e) inform Customers that Stripe processes Transactions for you; and (f) if you are collecting authorisations electronically, ensure that Customers consent to electronic signatures and delivery of communications in accordance with Law. If you engage in Transactions with Customers who are individuals (i.e., consumers), you must provide the disclosures Law requires, and must not engage in unfair, deceptive, or abusive acts or practices.

3.9 Requirements Imposed by Payment Method Rules.

As required by the Payment Method Rules (a) as between the parties, each party is responsible for the acts and omissions of its employees, contractors and agents; (b) unless a Payment Method Provider agrees otherwise, you cannot bind a Payment Method Provider to any contract or obligation, and you must not represent that you can do so; (c) you will meet data quality requirements for relevant categories of Transaction data (as described in the Payment Method Rules) and in respect of that data, you will comply with all technical specifications mandated by the relevant Payment Method Provider; and (d) you must ensure that Transaction data that you collect is processed promptly, accurately and completely. You must maintain and make available to Customers a fair and neutral refund and exchange policy, and clearly explain the process by which Customers can receive a Refund. Payment Method Providers retain all IP Rights in their Marks, and you must not contest any Payment Method Provider’s IP Rights in their Marks. You may only use Payment Method Providers’ Marks in a manner consistent with the Payment Method Rules, and you must promptly comply with all instructions from Stripe regarding use or presentation of Payment Method Providers’ Marks. You are solely responsible for providing support to Customers regarding Transaction receipts, product or service delivery, support, returns, refunds and all other issues related to your goods and services and business activities. Without limiting the previous sentence, you must make customer service information readily available to your Customers, including clear instructions on how your Customers can contact you by email and telephone.

3.10 Stripe Radar; Your Responsibility for Transactions.

The Stripe Radar Services may be enabled by default and are governed by the Stripe Radar Terms. If you do not wish to use the Stripe Radar Services in connection with Stripe Payments Services, you must contact Stripe support to disable it. You are solely responsible for all losses you and the Stripe Parties incur due to erroneous and fraudulent Transactions that occur in connection with your use of the Services, including as a result of (a) lost or stolen payment credentials or the details of any accounts that are used to purchase goods or services from you; (b) any changes to the User Bank Accounts; and (c) any unauthorised use of, or access or modification to, your Stripe Account.

4. Processing Transactions.

4.1 Blended Fees.

By using Stripe Payments Services, you request Stripe to blend Fees for payment card processing for all merchant services charges, regardless of the underlying differences in interchange fees between different payment card brands and categories. If you have a question about Fees or wish to receive unblended rates for payment card processing, please contact us.

4.2 Payment Authorisation Requests.

(a) Processing Transactions. To enable Stripe to process Transactions for you, you authorise and direct Stripe, its Affiliates, Payment Method Providers and Payment Method Acquirers to receive and settle, as applicable, settlement funds owed to you through your use of the Stripe Payments Services. You may only submit Transactions that Customers authorise, and only after the applicable goods have been shipped or services provided to the Customer; except, you may submit a Transaction before goods have been shipped or services have been provided to the Customer where the Customer has authorised a Transaction for a partial or full prepayment for goods or services to be provided at a future time, or you have obtained the Customer’s consent.

(b) Transaction Responsibility. You must not proceed with a Transaction if (i) you know or should have known that the Transaction was fraudulent, not authorised by the Customer, or illegal in your or your Customer’s jurisdiction; (ii) you receive a response declining to authorise the Transaction; or (iii) the Customer’s ability to use a Payment Method has expired or is no longer valid. You must not split payment for a single transaction into multiple Transactions except as the Payment Method Rules, Payment Method Terms and Acquirer Terms expressly permit. You must not submit any Transaction that duplicates a Transaction that is already subject to a Dispute, or was previously disputed and subsequently resolved in your favour. Stripe may refuse to process, or condition or suspend any Transaction that Stripe believes (x) may violate this Agreement or other agreement you have with Stripe (if any); (y) is unauthorised, fraudulent or illegal; or (z) exposes, or is likely to expose, Stripe, you or others to unacceptable risk. When submitting an authorisation request for a Transaction that will be processed using Visa Secure, you must input the Cardholder Authentication Verification Value ("CAVV") your issuing bank or Visa provides to you.

4.3 Settlement Funds.

You appoint Stripe as your agent for the limited purpose of directing, receiving, holding and settling funds under this Agreement. Notwithstanding the prior sentence, no agency is established for tax purposes. All settlement funds Stripe receives for Transactions are combined with settlement funds held for other Stripe users and safeguarded as Safeguarded Funds. Once Stripe receives settlement funds, the relevant Customer has no further obligation to make payments to you with respect to a Transaction. Stripe will promptly update your Stripe Account balance to reflect processed Transactions. If, in the capacity as your agent, Stripe provides a receipt for a Transaction to the applicable Customer, that receipt is binding on you. Prior to transferring settlement funds to the User Bank Account, Stripe may invest Safeguarded Funds as described in Section 5.2 of the General Terms. You have no rights to any earnings generated by Safeguarded Funds and are not entitled to draw funds from any Pooled Account.

4.4 Transaction Settlement Funds.

Stripe will transfer settlement funds for Transactions, net of Fees, Disputes, Refunds, Reversals and other amounts owed to Stripe, from the applicable Pooled Account to the applicable User Bank Account within the time period stated in the Payout Schedule, unless a Payout Delay occurs and affects the transfer initiation, or Stripe exercises a right under this Agreement to withhold or delay the transfer. However, Stripe may impose an additional holding period before making the initial settlement to a User Bank Account.

4.5 Sending Funds to Third-Party Recipients.

Stripe may offer you the ability to send to a third party funds owed to you as you instruct Stripe (including by sending all or part of the positive balance in your Stripe Account to that third-party recipient’s Stripe account or bank account), instead of settling funds to a User Bank Account. If Stripe sends funds to a third-party recipient which may include the use of a payment intermediary operating on your behalf, as this Section 4.5 contemplates, then Stripe’s obligations (and all applicable Payment Method Provider and Payment Method Acquirer obligations) to settle those funds to you are satisfied.

4.6 Settlement Fees.

Stripe is not responsible for any fees imposed by banks to which Stripe transfers funds, including the banks that hold the User Bank Accounts and the third-party recipient accounts.

4.7 Subscriptions and Invoicing.

If you use the Services to submit recurring or subscription Transactions, then before submitting the initial Transaction, you must (a) inform each Customer that the relevant Transactions will occur on an ongoing basis; and (b) explain the method for cancelling the Customer’s recurring billing or subscription. If you use the Services to issue invoices to Customers, you must ensure that the form and content of the invoices comply with Law and are sufficient to achieve the legal or tax effects that you are trying to achieve.

4.8 Customer Authorisations.

If you use the Stripe Payments Services for certain Transactions where the Customer is not present, including MOTO Transactions or Merchant Initiated Transactions, or to store a Customer’s Payment Method for future use, you may be required by Law and Payment Method Rules to obtain the Customer’s authorisation (also known as a mandate or agreement for the provision of products or services) and make certain disclosures to the Customer. These disclosures may include when, and under what circumstances, the Customer’s Payment Method will be charged, how the payment amount will be determined, and how future payments can be canceled. You must retain, and provide to Stripe upon request, records demonstrating that you have (a) obtained any required Customer authorisations in compliance with Law and Payment Method Rules; and (b) only submitted Transactions as MOTO Transactions or Merchant Initiated Transactions that you have determined are eligible.

5. Actions Stripe May Take in Processing Transactions.

5.1 Reconciliation and Responsibility.

As between the parties, and except as required by Law, you are responsible for reviewing your Transaction history for accuracy and completeness, and reconciling your Transaction history with the history of transfers from the Pooled Accounts to the User Bank Accounts. If you find an error when you reconcile your Transaction history, Stripe will reasonably cooperate with you to investigate and help correct that error as long as you notify Stripe of the error within 13 months after the error appears in your Transaction history. Stripe may correct any errors in your Transaction history by crediting or debiting the User Bank Accounts.

5.2 Negative Balances.

If your Stripe Account balance (or the Stripe Account balance of any User Entity) is negative, or does not contain funds sufficient to pay amounts that you (or a User Entity) owe to a Stripe Entity or Customers, then without limiting Stripe’s rights under Sections 4.2 and 4.3 of the General Terms, Stripe may debit the User Bank Accounts by the amount necessary to collect, and pay out to Customers if applicable, the amounts you owe.

5.3 Disputes; Refunds; Reversals.

Notwithstanding anything to the contrary in this Agreement, you are liable to Stripe for the full amount of all Disputes (unless and until a Dispute is resolved to final disposition in your favor according to applicable Payment Method Rules and as described in the Documentation), Refunds and Reversals regardless of the reason or timing.

(a) Disputes. Stripe may delay or withhold paying out a Transaction amount from funds owed to you if Stripe reasonably believes that a Dispute is likely to occur with respect to that Transaction. Stripe may delay or withhold paying out amounts subject to an actual Dispute until the Payment Method Provider resolves the Dispute.

(b) Refunds. If you intend to issue a Refund to a Customer, you must initiate a Refund instruction via the Services within 5 days after informing the Customer of your intention. Stripe may refuse to act upon a Refund instruction, or delay executing the instruction, if you are the subject of an Insolvency Proceeding, if it would cause a negative balance in your Stripe Account, or if Stripe believes that there is a risk you will not meet your liabilities under this Agreement.

(c) Reversals. Without limiting Stripe’s rights under Sections 5.4 - 5.6 of these Stripe Payments Terms, Stripe may initiate a Reversal if:

(i) the Payment Method Provider invalidates the Transaction;

(ii) you receive funds in error for any reason;

(iii) you were not authorised to accept the Transaction;

(iv) you receive funds related to activities that violate this Agreement, Law or Financial Services Terms; or

(v) a Payment Method Provider or Payment Method Acquirer requires Stripe to do so under the applicable Financial Services Terms.

5.4 Stripe Remedies – Specific Triggers.

Stripe may exercise any or all of the remedies stated in Section 5.6 of these Stripe Payments Terms if Stripe determines that a User Entity:

(a) has incurred or is likely to incur excessive Disputes, Refunds or Reversals;

(b) has submitted one or more Transactions for goods or services not immediately deliverable to the Customer without first obtaining Stripe’s consent;

(c) has a negative Stripe Account balance;

(d) has experienced or is likely to experience a change in the average time between the initial charge and fulfilment of Customer orders that Stripe considers to be material;

(e) is or is likely to become the subject of an Insolvency Proceeding;

(f) has experienced or is likely to experience a deterioration of its business or financial condition that Stripe considers to be material;

(g) 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 Services Terms applicable to the User Entity’s use of the Services;

(h) has violated or is likely to violate Law or Financial Services Terms;

(i) has caused or is likely to cause Stripe to violate Law or Financial Services Terms;

(j) has experienced or is likely to experience a Change of Control;

(k) has, either itself or by way of its employees, agents, directors or contractors, initiated Transactions or undertaken any other action that is or is likely to be fraudulent, suspicious or involve criminal activity;

(l) 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; or

(m) has acted in a manner or engaged in business, trading practice or other activity that presents an unacceptable risk.

5.5 Stripe Remedies – General Trigger.

Stripe may exercise any or all of the remedies stated in Section 5.6 of these Stripe Payments 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 Payments Terms terminate; or (b) Law requires.

5.6 Stripe Remedies – Scope.

Stripe may, in accordance with Sections 5.4 and 5.5 of these Stripe Payments Terms:

(a) initiate Reversals;

(b) change the Payout Schedule or delay or cancel the payout of funds to the User Bank Accounts;

(c) establish, fund and use a Reserve;

(d) debit the User Bank Accounts or the bank or financial institution accounts of any or all User Group Entities;

(e) suspend or terminate your ability to accept or process Transactions;

(f) refuse to (i) process Transactions, and (ii) act upon Refund instructions; and

(g) setoff or recoup all liability that Stripe reasonably determines a User Entity owes to Stripe or a Stripe Affiliate under this Agreement or another agreement, against any amounts that a Stripe Entity owes to a User Entity whether the liability is matured, unmatured, liquidated or unliquidated.

5.7 Reserve.

If Stripe establishes a Reserve, Stripe will notify you of the Reserve terms. Stripe will hold the funds in a bank account in Stripe’s name and all interest in those funds vests exclusively in Stripe. If Stripe uses Safeguarded Funds to fund a Reserve, then Stripe will no longer safeguard those funds on your behalf. Stripe may change the Reserve terms (a) if Stripe believes that there is, or is likely to be, a change in the underlying risk presented by the User Group’s use of Stripe services; or (b) as a Payment Method Acquirer or Payment Method Provider requires. You have no legal or equitable right or interest in the funds held in any Reserve, or earnings generated by funds held in any Reserve, and are not entitled to draw funds from any Reserve. If you become subject to an Insolvency Proceeding, funds held in a Reserve will not be part of any estate created in connection with that Insolvency Proceeding. Stripe may fund the Reserve through any or all of:

(x) using funds you provide upon Stripe’s request;

(y) using funds that a Stripe Entity owes to any User Entity for Transactions that the User Group accepts through the Stripe Payments Services; and

(z) debiting the User Bank Accounts or the bank or financial institution accounts of any or all User Group Entities.

5.8 Security Interest.

You will execute all documents Stripe reasonably requests to create, perfect, maintain and enforce a security interest over assets Stripe believes are necessary to secure your performance of your payment obligations under this Agreement.

5.9 Credit Support Requirement.

Stripe may require that you provide a guarantee (including a personal, parent or bank guarantee) or letter of credit in a form and substance that satisfies Stripe. In this event, Stripe will inform you of the amount of and the reasons for the requirement. If you are unable to satisfy the requirement when Stripe requires you to do so, Stripe may suspend or terminate your access to the Services.

6. Multi-Currency Processing.

Stripe may offer Multi-Currency Processing. To use Multi-Currency Processing, you must provide to Stripe a valid bank account for each currency for which you request settlement, based on the list of available settlement currencies stated in the Documentation. Each of these bank accounts is a User Bank Account for the purposes of this Agreement. If you use Multi-Currency Processing, Stripe will identify at the time of each applicable Transaction the conversion rate that will apply to the Transaction. In the event of a Refund, the conversion rate that will be used to calculate the Refund will be the rate in effect at the time of the Refund.

7. Post-Termination Obligations.

7.1 Completion of Transactions.

Following termination of these Stripe Payments Terms, you must fulfil your obligations related to existing Transactions, not accept new Transactions via the Services, and remove all Marks of a Stripe Entity or a Financial Partner from your website (unless permitted under a separate license with the applicable Financial Partner). Stripe will complete Transactions initiated before termination as long as Stripe would have completed those Transactions were these Stripe Payments Terms still in place (e.g., Stripe will not complete a Transaction if a Financial Partner prohibits Stripe from doing so). Termination does not affect your responsibility for Transactions described in Section 3 of these Stripe Payments Terms.

7.2 Provision of Payment Account Details.

If these Stripe Payments Terms terminate for reasons other than your breach, then within 30 days after the termination date, you may request in writing that Stripe provide all relevant Payment Account Details to an alternative PCI-DSS Level 1-certified payment processor that you identify to Stripe. Stripe will provide the Payment Account Details that you are entitled to receive to the named payment processor to the extent commercially reasonable. Stripe may delay or refuse any request if Stripe believes the payment processor you have identified does not have systems or controls in place that are sufficient to protect Payment Account Details, that the integrity of Payment Account Details may be compromised, or that Law or Financial Services Terms do not allow Stripe to provide the Payment Account Details.

8. User Information Updates.

You must immediately notify Stripe, and provide to Stripe updated User Information, if you experience or anticipate experiencing a material change in the average time between the initial charge and fulfilment of Customer orders. Upon request, you must promptly provide to Stripe information related to Transactions and Disputes, including (a) refund and shipping policies (if applicable); (b) data on captured but unfulfilled charges; and (c) data on the time between charge capture and fulfilment of Customer orders.

9. PCI Standards Compliance.

If you elect to store or hold "Account Data," as defined in the PCI Standards (including Customer card account number or expiration date), you must maintain a system that complies with the PCI Standards and upon Stripe’s request, you must provide to Stripe evidence of your compliance. If you do not comply with the PCI Standards, or if Stripe or any Payment Method Provider or Payment Method Acquirer is unable to verify your compliance with the PCI Standards, Stripe may suspend your Stripe Account or terminate this Agreement, in whole or in part. If you intend to use a third-party service provider to store or transmit Payment Account Details (including Customer card account number and expiration date) then you must not share any Payment Account Details with the service provider until you verify that the third party holds sufficient certifications under the PCI Standards, and must notify Stripe of your intention to share Payment Account Details with the service provider. Further, you agree to never store or hold any "Sensitive Authentication Data," as defined by the PCI Standards (including the card verification value or similar security code), at any time. You can find information about the PCI Standards on the PCI Council’s website.

10. Representations and Warranties.

You represent as of the Effective Date, and warrant during the Term, that (a) you only use the Payment Methods and Stripe Payments Services for bona fide commercial transactions (which must be free of liens, claims, and encumbrances other than ordinary sales taxes) for the sale of goods or services to, or other act with, Customers; (b) except as Stripe approves, you do not use the Stripe Payments Services for intercompany transactions; (c) you fulfil all of your obligations to Customers; and (d) you and your third-party service providers that store, access or transmit Payment Account Details comply with the PCI Standards, as applicable.

11. Indemnification.

You will indemnify Stripe against all assessments, penalties, fines and fees Payment Method Providers, Payment Method Acquirers, and other Financial Partners charge Stripe to the extent arising out of or relating to your use of the Stripe Payments Services in a manner that fails to comply with any Payment Method Rules, Payment Method Terms or Acquirer Terms, or this Agreement. As between the parties, you are responsible for (a) all costs associated with any Card Network-initiated audit or forensic investigation arising out of or relating to your use of the Stripe Payments Services, and (b) all losses, damages, and costs Stripe Group incur due to fraudulent Transactions.

12. Liability for Failure to Transfer Funds.

The limitation of liability in Section 12.2(b) of the General Terms will not apply to claims you or your Affiliates make against the Stripe Parties for failing to transfer any settlement funds the Stripe Parties receive and owe to you in connection with the Stripe Payments Services. For these claims, the Stripe Parties’ liability is limited to the amount that the Stripe Parties have received and owe, but failed to transfer, to you.

13. Complaints.

If you have a complaint with the Stripe Payments Services, please contact complaints@stripe.com. You can find more information about Stripe’s Complaints Policy here. If your complaint is unresolved, you may be entitled to refer it to the Irish Financial Services and Pensions Ombudsman (FSPO). You can find more information about the FSPO, its contact details and the eligibility requirements in Stripe’s Complaints Policy and at www.fspo.ie.

Last modified: April 19, 2024

1. Stripe Connect Services.

These terms (“Stripe Connect Terms”) supplement the General Terms and the Stripe Payments Terms and govern your use of the Stripe Connect Services as a Stripe Connect Platform. You may use the Stripe Connect Services to enable your Platform Users to use the Services in conjunction with your Platform Services.

2. Stripe Obligations.

2.1 Connected Accounts.

Connected Accounts may use the Services in accordance with the Connected Account Agreement. Stripe may suspend or stop providing any Services to Connected Accounts in accordance with the terms of the Connected Account Agreement. Stripe has a direct contractual relationship with each Connected Account under the Connected Account Agreement and will provide the Services directly to each Connected Account. You acknowledge that Connected Accounts may choose to use Stripe services outside of the Connected Accounts’ relationship with you.

2.2 Amendments to Connected Account Agreement.

For Custom Accounts, Express Accounts and all other Connected Accounts that do not have a Stripe Dashboard, Stripe will notify you if Stripe modifies the relevant Connected Account Agreement. You must notify those Connected Accounts of the modification promptly after you receive the modification notice from Stripe.

2.3 Definitions Applied to Connected Accounts; General Terms Clarification.

Where defined terms are applied to a Connected Account (rather than you) in these terms, the relevant definition will be deemed to reference the Connected Account (e.g., when the term Services is applied to a Connected Account it means the Stripe services that Stripe makes available to the Connected Account under the Connected Account Agreement, and when the term Disputes is applied to a Connected Account it means Disputes that Connected Account incurs). Connected Accounts are not third parties for the purposes of, or eligible to make a Claim under, Section 11 of the General Terms.

3. Your Obligations.

3.1 Stripe Connect Services Integration and Use.

You must integrate the Stripe API and use the Stripe Connect Services in accordance with the Documentation and this Agreement. You must use the Stripe Connect Services and Connected Account Data in accordance with Law and your Platform Provider Agreement. You must clearly and prominently disclose all Platform Fees, if any, and, to the extent charged separately, the Services.

3.2 Connected Accounts and Transactional Risk.

You must ensure that Connected Accounts do not use the Services in breach of the Connected Account Agreement or for any activity that Law or this Agreement prohibits. You must immediately inform Stripe if you become aware that a Connected Account is engaging in any activity that is fraudulent, deceptive or harmful, or in breach of the Connected Account Agreement or this Agreement. You must cooperate with Stripe to reduce the risk of fraud or other misuse of the Services, including by providing relevant information to Stripe.

3.3 Restricted Businesses.

You must ensure that no Connected Account uses the Services to conduct a Restricted Business or transact with a Restricted Business.

3.4 Activity.

A Connected Account may perform Activity, or you may perform Activity on behalf of a Connected Account, depending on how you integrate the Stripe API into your Platform Services. You are responsible for all Activity initiated by you, your representatives, and any individual or entity using your credentials, including your Stripe Account login and password and your Stripe API key. Notwithstanding anything to the contrary in this Agreement, where either Stripe or a Connected Account incurs any losses, damages or costs based on unauthorised Activity initiated by you or on your behalf, then as between Stripe and you, you are liable for those losses, damages or costs.

3.5 Your Agreements with Connected Accounts.

Your Platform Provider Agreement must explain how you access and use Connected Account Data, and the Activity that you may conduct on the Connected Accounts’ behalf via the Stripe Connect Services. Your Platform Provider Agreement must also authorise you to perform that Activity, and to share the Connected Account Data with Stripe.

3.6 Limitations.

You must not use the Stripe Connect Services to access any Connected Account Data or conduct any Activity, or attempt to do either, for which the relevant Connected Account has not authorised, or has withdrawn the authorisation.

3.7 Use of Stripe.js.

This Section 3.7 only applies to Users located in France). User will load the stripe.js JavaScript library from https://js.stripe.com/v2/ or https://js.stripe.com/v3/ on all pages with which customers and donors interact when making payments to User or Connected Accounts. User must also use the stripe.js JavaScript library to tokenise Payment Account Details.

4. Stripe Connected Account Options.

4.1 Platform Account Options.

You may elect to enrol each Platform User as (a) one of Stripe's named Connected Account types: Standard Account, Custom Account or Express Account; or (b) a Connected Account with a distinct combination of attributes (e.g., onboarding experience and dashboard user interfaces, Merchant Loss risk management and pricing control), as described in the Documentation. Depending on your enrolment election, you may (a) assist your Platform Users in creating Stripe accounts or integrating their existing Stripe accounts into your Platform Services; and (b) provide Connected Account Data to Stripe during the enrolment process. Section 8 of the General Terms applies to all Connected Account Data that you provide to Stripe. Stripe may refuse to create a Stripe account for a Platform User or limit the functionality available to a Platform User until Stripe is satisfied that it has received sufficient information about that Platform User.

4.2 Attribute-Based Connected Accounts.

This Section 4.2 only applies to Connected Accounts that are enrolled with a distinct combination of attributes (i.e., not Standard Accounts, Custom Accounts or Express Accounts).

(a) Enrolment. You must create and manage the Stripe accounts for these Connected Accounts. You must ensure that Connected Account Data is provided to Stripe in the manner prescribed in the Documentation, and that Connected Accounts without Platform Pricing Control have access to the Stripe Dashboard.

(b) Connected Account Agreement. You must ensure that each Platform User that you intend to onboard as one of these Connected Accounts agrees to the Connected Account Agreement before it uses any Stripe services. You may surface the Connected Account Agreement either through a Stripe-powered onboarding flow (e.g., embedded, Stripe-hosted or Stripe-assisted onboarding), or through your own onboarding flow. At Stripe’s request, you must provide proof as Stripe requires that these agreements have been entered into between the Connected Accounts and Stripe. If Stripe believes that your existing acceptance process does not create a binding agreement between Stripe and each Connected Account, then, upon Stripe’s request, you must modify that process as Stripe requires.

(c) Responsibility for Connected Accounts. As between Stripe and you, you are responsible for all Activity on these Connected Accounts, whether initiated by you or not, and are liable to Stripe for all resulting Merchant Losses (except with respect to SMR-Enabled Connected Accounts to the extent stated in Section 5.2 below) and any other losses, damages, and costs that result from use of the Services, including any fines assessed by Financial Partners or Governmental Authorities, except to the extent the losses, damages, or costs arise from Stripe’s breach of this Agreement or Stripe’s negligence, willful misconduct, or fraud. You remain jointly and severally liable with these Connected Accounts to Stripe for these amounts, and Stripe may collect these amounts from you in accordance with the Agreement.

4.3 Standard Accounts.

This Section 4.3 only applies to Standard Accounts.

(a) Enrolment. For Standard Accounts, you will have access to certain Connected Account Data. Stripe may require you to collect and provide additional Connected Account Data to validate a Standard Account.

(b) Termination. A Standard Account may at any time terminate your ability to conduct Activity on its Stripe account.

4.4 Custom Accounts and Express Accounts.

This Section 4.4 only applies to Custom Accounts and Express Accounts.

(a) Enrolment. You must create and manage the Stripe accounts for Custom Accounts and Express Accounts. You must ensure that Connected Account Data is passed to Stripe in the manner prescribed in the Documentation.

(b) Connected Account Agreement for Custom Accounts. You must ensure that each Platform User that you intend to onboard as a Custom Account agrees to the Connected Account Agreement before it uses any Stripe services. At Stripe’s request, you must provide proof as Stripe requires that these agreements have been entered into between the Custom Accounts and Stripe. If Stripe believes that your existing acceptance process does not create a binding agreement between Stripe and each Custom Account, then, upon Stripe’s request, you must modify that process as Stripe requires.

(c) Stripe Dashboard. Custom Accounts will not have access to a Stripe Dashboard.

(d) Responsibility for Custom Accounts and Express Accounts. You are responsible and liable to Stripe for all Activity on Custom Accounts and Express Accounts, whether initiated by you or not, including all Transactions, Disputes, Refunds, Reversals, associated fines and any use of the Services in a manner prohibited under this Agreement or the Connected Account Agreement. You and the relevant Connected Account are jointly and severally liable to Stripe for amounts the Connected Account owes to Stripe, and Stripe may collect these amounts from you in accordance with this Agreement. If Stripe determines that your responsibility for Activity on Custom Accounts and Express Accounts creates an unacceptable risk to Stripe, Stripe may exercise its remedies listed in Section 5.6 of the Stripe Payments Terms.

5. Stripe Managed Risk Services.

5.1 Requirements for Using Stripe Managed Risk Services.

(a) Enrollment. When using Stripe Managed Risk Services, all your Connected Accounts must be SMR-Enabled Connected Accounts, except (i) as Stripe expressly approves in writing signed by the parties or as is otherwise permitted in the Documentation; (ii) when you are transitioning pre-existing Platform Users from Connected Account types that do not enable Stripe Managed Risk Services to SMR-Enabled Connected Accounts, which you must do within a reasonable time period and in accordance with the Documentation; and (iii) during the Post-SMR Transition Period.

(b) Required Stripe Technology. You must use all applicable Stripe Technology that Stripe requires for using Stripe Managed Risk Services as described in the Documentation (e.g., Stripe-powered onboarding and interfaces). Stripe will enable Stripe Radar Services on all SMR-Enabled Connected Accounts by default, and you must not disable these Services. The Fees for Stripe Radar Services are not included in the Stripe Managed Risk Services Fees.

5.2 Liability for Merchant Losses.

As between you and Stripe, Stripe is liable for Merchant Losses on an SMR-Enabled Connected Account up to the amount of the risk cap, if any is expressly agreed on by the parties, except (a) as stated in Section 5.5; and (b) to the extent these Merchant Losses arise from your fraud, violation of Law, breach of the Agreement (including these Stripe Connect Terms), negligence, willful misconduct, or misuse of the Stripe Connect Services. The limitations on liability in Section 12 of the General Terms will not apply with respect to Stripe’s liability for Merchant Losses under this Section 5.2.

5.3 Changes in Risk Profile.

Stripe determines the Stripe Managed Risk Services Fees based on the risk profile Stripe associates with your Connected Accounts. If Stripe determines that the risk profile of your SMR-Enabled Connected Accounts changes significantly, then Stripe may revise the Stripe Managed Risk Services Fees. Stripe will notify you at least 30 days (or a longer period if Law requires) before the revised Stripe Managed Risk Services Fees apply to you.

5.4 Transitioning Off Stripe Managed Risk Services.

To transition off Stripe Managed Risk Services, you must either permanently stop using Stripe Connect Services with respect to all SMR-Enabled Connected Accounts, or migrate all payments volume from SMR-Enabled Connected Accounts to Connected Account types that do not enable Stripe Managed Risk Services within a reasonable time period. Stripe Managed Risk Services Fees will continue to apply for all Transactions on SMR-Enabled Connected Accounts during and after the Post-SMR Transition Period.

5.5 Liability for Merchant Losses During Post-SMR Transition Period.

You and the relevant Platform User become jointly and severally liable to Stripe for all Merchant Losses on all SMR-Enabled Connected Accounts associated with a Platform User from when you initiate the first Transaction for that Platform User on a Connected Account type that does not enable Stripe Managed Risk Services. Stripe may collect these amounts according to the Agreement and the Connected Account Agreement, as applicable, including Merchant Losses that arise during the Post-SMR Transition Period resulting from Activity that occurred before the Post-SMR Transition Period. To the maximum extent permitted by Law, Stripe’s aggregate liability for Merchant Losses on all SMR-Enabled Connected Accounts during the Post-SMR Transition Period will not exceed the amount of the General Damages cap stated in Section 12 of the General Terms. Stripe’s liability for Merchant Losses on SMR-Enabled Connected Accounts ends at the end of the Post-SMR Transition Period.

6. Tax Reporting; Tax Invoicing.

6.1 Filing of Tax Information Reports.

Unless Stripe notifies you otherwise, Stripe will not file any, and you assume sole responsibility and liability for filing all, Tax Information Reports required to be filed as a result of Services Stripe provides to you under this Agreement or to Connected Accounts under their Connected Account Agreement. Notwithstanding the prior sentence, Stripe will file Tax Information Reports with respect to payments made to Standard Accounts, and for Transactions on Connected Accounts that do not have Platform Pricing Control.

6.2 Indemnity.

You will indemnify Stripe from all Taxes, and related interest, penalties and fees (excluding any income, franchise or similar taxes payable with respect to the Fees), if any, imposed on a Stripe Entity as a result of your failure to timely file any Tax Information Report under Section 6.1 of these Stripe Connect Terms.

6.3 Issuing Tax Forms.

When Stripe files Tax Information Reports as stated in Section 6.1, Stripe will issue Tax Information Reports (if applicable) directly to the Connected Accounts. For Custom Accounts and Express Accounts, and for Transactions on Connected Accounts that have Platform Pricing Control, Stripe will issue Tax Information Reports (if applicable) directly to you only.

6.4 Tax Invoices.

(a) Standard Accounts, Custom Accounts and Express Accounts. For Standard Accounts, Stripe will issue Tax invoices, as applicable, to: (i) you under these Stripe Connect Terms; (ii) Standard Accounts under their Connected Account Agreement; or (iii) both you and the Standard Accounts. For Custom Accounts and Express Accounts, Stripe will issue Tax invoices (if applicable) to you only.

(b) All Other Connected Accounts. For all other Connected Accounts, you and Stripe agree (i) for each Transaction on Connected Accounts that do not have Platform Pricing Control, Stripe is providing its Services to the Connected Accounts and will issue Tax invoices directly to the Connected Accounts only; and (ii) for each Transaction on Connected Accounts that have Platform Pricing Control, Stripe is providing its Services to you and will issue Tax invoices directly to you only, and you will be treated as making separate taxable supplies to your Connected Accounts for purposes of this section.

7. Data Use.

Each party may use Connected Account Data in accordance with this Agreement and any consent or agreement it obtains from each Connected Account, which, as to Stripe, includes the Connected Account Agreement. You must provide all notices and obtain all necessary rights and consents for Stripe to lawfully process Connected Account Data as you instruct. Stripe may refuse to process Connected Account Data as you instruct if Stripe reasonably believes complying with your instructions would require Stripe to violate Law or the Connected Account Agreement.

8. Your Liability for Connected Accounts.

Except with respect to Standard Accounts and except to the extent covered by Stripe Managed Risk Services, if applicable, your liability for all Connected Accounts as described in these Stripe Connect Terms, including liability arising out of or relating to your failure to ensure that each Connected Account agreed to the Connected Account Agreement in a legally binding way, is not limited or excluded in any way, notwithstanding anything to the contrary in this Agreement.

Last modified: April 26, 2024

1. Stripe Adaptive Pricing Services.

These terms (“Stripe Adaptive Pricing Terms”) supplement your Agreement with Stripe including any Services Terms, as applicable, and govern your use of the Stripe Adaptive Pricing Services (“Stripe Adaptive Pricing Services”). Stripe Adaptive Pricing Services are a price calculation tool provided by Stripe to Users that enables Users to present the price of User’s goods and services in the Stripe Adaptive Pricing Services supported currencies.

2. Permitted Use.

You may use the Stripe Adaptive Pricing Services only in conjunction with the Stripe Payments Services.

3. Currency Exchange Rates.

3.1 Applicable Currency Exchange Rates.

The currency exchange rates the Stripe Adaptive Pricing Services display or apply to your Transactions may differ from the currency exchange rates Stripe obtains from its service providers or publicly available resources.

3.2 Effect of your use of Stripe Payment Services.

How you elect to set up your Stripe Payment Services may affect the application of currency exchange rates the Stripe Adaptive Pricing Services provides to your Customers. For example, if you manually set prices in a particular currency, then those prices may override the Stripe Adaptive Pricing Services' determined prices in that same currency and affect the overall currency exchange rate calculated for that Customer’s Transaction.

3.3 Currency Exchange Rate May Change

Stripe reserves the right to apply the applicable currency exchange rate as at the time the Customer’s Transaction settles, which might differ from the currency exchange rate the Stripe Adaptive Pricing Services used to present the Customer payable amount.

3.4 Adding and Removing Currency Exchange Rates.

Stripe reserves the right to add or remove Stripe Adaptive Pricing Services supported currencies at any time without notice.

4. No Foreign Exchange Service.

The Stripe Adaptive Pricing Services are a currency presentment tool and do not provide:

(a) the supply of foreign currencies to you; or

(b) a foreign currency exchange or similar service.

5. Disclaimer.

You remain fully responsible for, and Stripe disclaims all liability with respect to:

(a) your fulfillment of your obligations under Law, including with respect to your use of the Stripe Adaptive Pricing Services;

(b) the accuracy of the prices the Stripe Adaptive Pricing Services present to you and your Customers and the currency exchange rates the Stripe Adaptive Pricing Services use and apply;

(c) any fees charged to you or your Customers by your bank or any other applicable financial institution; and

(d) your action, or failure to act, as a result of any directions or recommendations you receive related to the Stripe Adaptive Pricing Services.

Last modified: November 20, 2023

These Stripe Climate Commitment terms (“Climate Commitment Terms”) and Stripe Climate Orders terms (“Climate Orders Terms”) (collectively, the “Terms”) supplement the General Terms, and govern your use of Stripe Climate Commitment and Stripe Climate Orders. Frontier Climate Operations, LLC (“Frontier”), Stripe’s Affiliate, provides Stripe Climate Orders. For purposes of Stripe Climate Orders, each reference to "Stripe" in the General Terms will be read as a reference to Frontier.

1. Overview

Stripe conducts research into Climate Projects and purchases carbon removal services. You may make voluntary contributions to Climate Projects through Stripe Climate Commitment. Frontier uses Offtake Agreements to acquire Carbon Removal Units. You may verify the availability of, and purchase Retirement Services through Stripe Climate Orders.

2. Stripe Climate Commitment Terms

2.1 Opting In and Out, and Changes.

You must opt in to make a contribution during onboarding or via the Stripe Climate Commitment page of your Stripe Dashboard You may opt out of, change, or pause your contribution to Stripe Climate Commitment at any time in your Stripe Dashboard.

2.2 Climate Commitment Funds.

(a) Climate Commitment Funds Allocation.

Once you opt in, Stripe or its Affiliate may deduct the Climate Commitment Funds from your Stripe Account balance or User Bank Account on a per-Transaction basis, or as an amount aggregated over a period of time, as described in your Stripe Dashboard. Stripe will allocate all Climate Commitment Funds to advance the field of carbon removal, through activities such as purchasing metric tons of carbon removal, or funding research and development for new carbon removal technologies. Climate Commitment Funds are not refundable.

(b) Stripe Climate Commitment Goals.

The goal of Stripe Climate Commitment is to help advance the field of carbon removal and Climate Commitment Funds will be used in support of that goal. While Stripe will use reasonable efforts to fund impactful Climate Projects, companies receiving Climate Commitment Funds are developing new technology in an evolving industry and their survival and success in addressing climate issues are not guaranteed. Development timelines of many new technologies are long, the resulting impact may not be immediate, and there is always a risk that the chosen technologies fail to deliver any carbon removal. Even if they are eventually successful in obtaining results, Climate Projects may take years to produce those results.

(c) Use of Climate Commitment Funds.

You decide voluntarily whether to, and in what amount, to allocate Climate Commitment Funds. Stripe may choose not to use your Climate Commitment Funds immediately after deducting them from your Stripe Account; rather, Stripe may allocate them after Stripe identifies a Climate Project. Stripe will inform you regularly about how Climate Commitment Funds were allocated. Stripe will not apply Climate Commitment Funds toward its own corporate or administrative costs.

(d) No Carbon Credits.

The carbon removal services Stripe purchases are not certified by any governmental or non-governmental body. They are not “authorized” under Article 6 of the Paris Agreement. Stripe disclaims all warranties regarding (i) the status under applicable governmental or non-governmental programs or pursuant to standards set by governmental or non-governmental bodies, whether implemented now or in the future, (ii) the availability of any current or future tax credit, benefit, or treatment, or (iii) any other financial benefits, associated with the carbon removal services that Stripe purchases.

(e) Taxes.

The Climate Commitment Funds you allocate may not be eligible for a tax deduction. You should consult with your tax or legal advisor on the local tax treatment of allocated Climate Commitment Funds. Climate Commitment Funds exclude all Taxes, except as the Documentation states to the contrary.

3. Stripe Climate Orders Terms

3.1. Your Use of Stripe Climate Orders.

You must only use Stripe Climate Orders in compliance with these Stripe Climate Orders Terms. You must use the Stripe Climate Orders for business purposes only, which must be consistent with the business purpose descriptions you provided to Stripe at the time of onboarding and updated at any time thereafter. You may not use the Stripe Climate Orders for personal, family, or household use.

3.2. CRUs.

(a) Frontier uses Offtake Agreements to acquire CRUs, as further described on the Frontier Webpage. To the extent commercially reasonable, Frontier will review (i) the sources of CRUs; and (ii) the terms governing the generation of those CRUs.

(b) Frontier will make Retirement Services available to you for purchase subject to: (i) the availability of CRUs in carbon markets; (ii) Frontier’s ability to secure all necessary rights (including contractual rights) for the future delivery of the CRUs; and (iii) Frontier’s receipt of those CRUs. You may verify the availability of CRUs for Retirement, and purchase Retirement Services using the Climate API or the Dashboard. While Frontier will provide you with information about the CRUs available for Retirement, it is your responsibility to verify that the CRUs meet your needs or the needs of a Beneficiary.

(c) Frontier may be unable to acquire sufficient quantities of CRUs to fulfill orders for Retirement Services. The CRU(s) that Frontier ultimately Retires on your behalf may have been generated from an Offtake Agreement that Frontier executed after your initial purchase. In order to provide Retirement Services, Frontier reserves the right to: (i) substitute CRUs from any one carbon removal supplier with a CRU from a different carbon removal supplier; or (ii) allocate then-current inventory of CRUs among Purchasers.

(d) The CRUs are not “authorized” under Article 6 of the Paris Agreement. Frontier disclaims all warranties regarding (i) the status of CRUs under applicable governmental or non-governmental programs or pursuant to standards set by governmental or non-governmental bodies, whether implemented now or in the future, (ii) the availability of any current or future tax credit, benefit, or treatment, or (iii) any other financial benefits, associated with your purchase of Retirement Services or the associated CRU(s).

3.3. Retirement.

(a) On or before the last day of the Retirement Year, Frontier: (i) on your behalf, will Retire the CRU; or (ii) if applicable, will transfer title to the CRU to you. If you have designated a Beneficiary, Frontier will Retire the CRU on that Beneficiary’s behalf and include the Beneficiary’s name in the Registry, if permitted. Frontier will Retire and record the CRU in the applicable Registry in accordance with and subject to the rules of that Registry.

(b) Frontier may not be able to, or may not be permitted to, Retire and record partial CRUs (i.e., partial tons) with a Registry. Frontier may combine partial CRUs and record them in Frontier’s name.

(c) If Frontier Retires a CRU on your behalf or on behalf of a Beneficiary, Frontier will notify you of the Retirement via the Climate API, the Dashboard, or, if applicable, by other means you elect in the Dashboard, and deliver a certificate to you evidencing Retirement. Certificates will be digital.

(d) In the event Frontier does not receive sufficient CRUs to fulfill all orders for Retirement Services, Frontier reserves the right, in its sole discretion: (i) to allocate CRUs among Purchasers; or (ii) refund the Fees.

(e) If Frontier determines that it is unable to Retire a CRU in your name or in the Beneficiary’s name on or prior to the last day of the Retirement Year of the CRU, Frontier will notify you and, in its sole discretion: (i) may refund the applicable Fees; (ii) may transfer title to the CRU to you; (iii) may record the Retirement of the CRU in Frontier’s name and provide certification to you that Frontier completed the Retirement in Frontier’s name; or (iv) take other reasonable remedial measures. Neither Frontier nor Stripe will pay you any interest on Fees, and Frontier will have no further obligation to you regarding that Retirement and the associated CRU(s) nor any other obligation to complete any additional Retirements. Frontier will not be liable to you for any other losses, damages, or costs that you or others may suffer arising out of or relating to Frontier’s inability to perform the Retirement Services or the associated CRU.

(f) If Frontier is unable to contact you, or is unable to provide a refund of Fees, for any reason (e.g., you have closed your Stripe Account), Frontier will contribute any amounts due to you to carbon removal programs of its choosing.

(g) Frontier will use commercially reasonable efforts to ensure a CRU can be Retired on your behalf or on behalf of your designated Beneficiary. Frontier does not guarantee that Frontier will be able to Retire a CRU on behalf of a Beneficiary.

3.4. Beneficiaries.

You may designate a Beneficiary when you purchase Retirement Services. If permitted by the applicable Registry, Frontier will include the Beneficiary’s name when retiring CRUs. You are responsible for notifying a Beneficiary of a CRU’s Retirement. Frontier will not notify a Beneficiary of a CRU’s Retirement. These Stripe Climate Orders Terms are intended solely for the benefit of the parties to these Stripe Climate Orders Terms. Frontier has no obligation to any Beneficiary under these Stripe Climate Orders Terms. When you designate a Beneficiary, you will not provide Frontier with a Beneficiary’s Personal Data.

3.5. Power of Attorney.

To the extent necessary, you grant to Frontier a power of attorney to act on your behalf or on behalf of a Beneficiary to provide Stripe Climate Orders. You represent as of the Effective Date and warrant during the Term that you have secured the necessary rights and consents from the applicable Beneficiaries to enable Frontier to act on behalf of the applicable Beneficiaries.

3.6. Suspension and Termination.

Frontier may suspend or terminate at any time for any reason your access to Stripe Climate Orders, including your ability to advertise or publicize any CRUs or Stripe Climate Orders.

3.7. Fees.

The Fees are stated on the Stripe Pricing Page. Fees payable for Stripe Climate Orders (including the Climate API and any other technology services related to Stripe Climate Orders) will be determined under the General Terms.

3.8. Frontier Intellectual Property.

(a) Subject to the terms herein, Frontier grants you a worldwide, non-exclusive, non-transferable, non-sublicensable, royalty-free license during the Term to access and use the Climate API and Frontier Marketing Collateral, as long as your access and use is (i) solely as necessary to use Stripe Climate Orders, (ii) solely for your business purposes, and (iii) in compliance with these Terms and the Documentation.

(b) As between you and Frontier, Frontier or its licensors exclusively own and retain all IP Rights embodied by, or contained in Stripe Climate Orders, frontierclimate.com, and other sites operated for Frontier (such IP Rights, collectively, “Frontier IP”). Frontier IP is protected by copyright, trade secret, patent, and other intellectual property laws, and all rights in Frontier IP not expressly granted to you in these Terms are reserved.

(c) During the Term, you and your Affiliates may choose to or we may invite you to submit comments, feedback, or ideas about improvements to Stripe Climate Orders (“Feedback”). You grant, on behalf of yourself and your Affiliates, to Frontier and its Affiliates a perpetual, worldwide, non-exclusive, irrevocable, royalty-free license to use that Feedback for any purpose, including developing, improving, manufacturing, promoting, selling and maintaining Stripe Climate Orders. All Feedback is Frontier’s confidential information. All improvements to Stripe Climate Orders belong to Frontier.

(d) As a user of Stripe Climate Orders, Frontier may provide you with digital assets (including digital assets owned by a third party, “Digital Assets”) that you may display on your website or otherwise use to promote CRUs available via Stripe Climate Orders. Frontier grants you a limited, revocable, non-exclusive, non-transferable royalty-free license to use the Digital Assets. When using the Digital Assets, you must comply with the Stripe Marks Usage Terms. If you use the Digital Assets in an unauthorized manner, the permissions and licenses granted under this Section will automatically terminate. Additionally, Frontier may monitor and review your use of Stripe Climate Orders and the Digital Assets to ensure compliance with the Agreement, and may, in its sole discretion, terminate access to Stripe Climate Orders if it determines you are using Stripe Climate Orders in a manner that poses undue risk to Frontier or Stripe or their Affiliates. At Frontier or Stripe’s request, you must permit and cooperate with Frontier or Stripe, as applicable, or its third-party auditor in connection with an audit of your compliance with this Agreement, and must provide any reasonably requested information or assistance.

3.9. Disclaimer:

You agree that Frontier offers solely the Retirement of CRUs, and that Frontier is not acting as a marketplace, dealer, or seller of carbon removal units or offtakes. Stripe Climate Orders are provided “AS IS” and “AS AVAILABLE” to the fullest extent permissible by Law and other than as provided herein, Frontier and its Affiliates, and their employees, agents, and independent contractors (the “Disclaiming Entities”) make no representation or warranty of any kind whatsoever for Stripe Climate Orders or a CRU, including the availability of a CRU at any given time or the validity of a CRU’s generation. Frontier is not liable to you for losses, damages, or costs that you or others may suffer arising out of or relating to Frontier’s inability to Retire a CRU on your or on your Beneficiary’s behalf. Each Disclaiming Entity disclaims all other warranties of any kind with respect to Stripe Climate Orders or any environmental credit, including any implied warranty of noninfringement, merchantability, or fitness for a particular purpose.

4. Non-Assignment.

Except as described in Section 3.4 of these Terms, you may not assign or transfer any obligation, benefit, or right under these Terms, including any right or interest in the Retirement Services or the CRUs. Any attempt to make an assignment or transfer in violation of this Section 4 will be void in each instance.

5. Term.

These Terms will apply to the all Retirement Services purchased prior to termination and the associated CRUs until (a) Frontier Retires the relevant CRUs on your behalf or your Beneficiary’s behalf, (b) the relevant CRUs have been transferred to you, or (c) Frontier refunds some or all of the Fees for the Retirement Services in the manner described in Section 3.3 of these Terms.

Last modified: September 27, 2024

1. Stripe Data Pipeline Services.

These terms (“SDP Terms”) supplement the General Terms and govern your use of the Stripe Data Pipeline Services and SDP Data.

2. Use of the Stripe Data Pipeline Services.

2.1 Data Warehouse Account.
You may only use the Stripe Data Pipeline Services in connection with your Data Warehouse account. You must provide Stripe with the correct account identifier and region for your Data Warehouse account.

2.2 Restricted Uses.
You must not, and must not enable or allow any other party to, access or use the Stripe Data Pipeline Services and Stripe Data (a) for any purpose other than the purpose for which it is provided; or (b) in violation of any Law or Services Terms. If any Stripe Data is made available through the Stripe Data Pipeline Services, you must use that Stripe Data only for security or fraud prevention purposes or as Stripe otherwise agrees in writing. Upon Stripe’s request, you will demonstrate your compliance with this section to Stripe’s reasonable satisfaction.

3. SDP Data.

You authorize Stripe to transfer SDP Data to the Data Warehouse. The Data Warehouse is the custodian of SDP Data. Stripe is not responsible for any copy of the SDP Data that you or the Data Warehouse makes, including how it is stored, used or disclosed. You must have all necessary rights and consents sufficient to enable Stripe to provide, and for you to use, the Stripe Data Pipeline Services, including to retain, reproduce, and disclose any SDP Data. Upon Stripe’s request, you will assist Stripe in complying with its obligations under Law, which assistance may include responding to requests by data subjects or a Governmental Authority.

4. Termination.

Stripe may, by notifying you, immediately suspend or terminate your access to the Stripe Data Pipeline Services if the Data Warehouse stops offering the features or functionality that Stripe uses to provide the Stripe Data Pipeline Services. Upon termination or suspension of the Stripe Data Pipeline Services, you will lose access to the SDP Data in the Data Warehouse. Your obligations under Sections 2.2 and 3 of these SDP Terms, and any existing obligation you have under the Agreement to delete or destroy data, will survive the termination of these SDP Terms.

5. Disclaimer.

You remain fully responsible for, and Stripe disclaims all liability with respect to (a) your compliance with Law, including any notification obligations you may have to any data subjects; and (b) your or any third party’s use, storage, modification, reproduction, and disclosure of the SDP Data.

Last modified: December 15, 2023

1. Stripe Identity Services.

These terms (“Stripe Identity Terms”) supplement the General Terms and govern your use of the Stripe Identity Services and Verification Data.

2. Use of the Stripe Identity Services.

2.1 Permitted Uses.

You may use the Stripe Identity Services only:

(a) to verify the identity of Verifiable Individuals to the extent necessary to satisfy your compliance obligations under Law;

(b) to prevent fraud as related to your goods and services;

(c) to prevent misuse of your goods and services;

(d) to improve the safety or security of your business, operations and services; and

(e) in compliance with the Stripe Identity Permitted Businesses list.

2.2 Restricted Uses.

Without limiting the unsupported or prohibited use cases identified in the Stripe Identity Permitted Businesses list, you must not, and must not enable or allow any other party to:

(a) modify the Stripe Identity Services in any way, including by changing

(i) the branding, appearance or user experience of the Stripe Identity Services; or (ii) the manner or language used to obtain consent from Verifiable Individuals;

(b) represent or imply that Stripe is acting as your agent or appointed by you for the purpose of conducting or meeting your Due Diligence Requirements;

(c) disclose the Stripe Data you receive in connection with the Stripe Identity Services to any third party, except as Law requires;

(d) use the Stripe Identity Services, any Stripe Data you receive in connection with the Stripe Identity Services, or any Verification Data to create or support a product that competes with the Stripe Identity Services;

(e) use the Stripe Identity Services, the Stripe Data you receive in connection with the Stripe Identity Services, or Verification Data in a manner that would violate any Law;

(f) reuse, sell, rent, transfer, make available, or communicate orally or through other means the Stripe Data you receive in connection with the Stripe Identity Services (including as the term “sell” is defined in the CCPA, as applicable);

(g) use the Stripe Identity Services to verify the identity of an individual who is incompetent to provide legally binding consent because of their age or for any other reason; or

(h) use the Stripe Identity Services as a factor in determining any person’s eligibility for credit, insurance, housing or employment, or in a manner that would cause Stripe to be a “consumer reporting agency” or cause Stripe Data you receive to constitute a “consumer report”, each as described in the FCRA (as applicable).

2.3 Further Obligations.

(a) If Law requires, you must provide each individual with an alternative method of verification that does not involve processing any biometric information.

(b) If an individual does not consent to Selfie Verification, you may use the Stripe Identity Services to offer an alternative method of verification that does not use Selfie Verification.

(c) If an individual does not consent to you using the Stripe Identity Services, then Stripe is not obligated to perform the Stripe Identity Services and you are solely responsible for providing an alternative means of verifying that individual.

2.4 Other Services.

The onboarding process for the Stripe Identity Services does not entitle you to use other Stripe services. If you wish to use other Stripe services, Stripe may require you to complete a separate onboarding process.

3. Use of Data.

3.1 Stripe’s Use of Verification Data.

Verification Data is Protected Data for purposes of this Agreement. As part of the Stripe Identity Services, unless the Stripe Identity Services Documentation specifies otherwise, or you instruct Stripe not to do so, Stripe may generate and provide to you verification results and Optical Character Recognition (OCR) results from any documents submitted through the Stripe Identity Services, which results are Stripe Data for the purposes of this Agreement.

3.2 Your Use of Verification Data and Stripe Data.

You may use the Stripe Data that Stripe makes available to you in connection with the Stripe Identity Services solely for the underlying purpose you disclosed to Stripe when you were onboarded to use the Stripe Identity Services. You may use Verification Data solely for the purposes described in your agreements with Verifiable Individuals.

4. Representations and Warranties; Disclaimers.

4.1 No Warranty.

Stripe does not represent or warrant that the Stripe Identity Services will enable you to fulfil your obligations under Law, including with respect to Due Diligence Requirements. You are solely responsible for complying with Law, including with respect to Due Diligence Requirements.

4.2 Disclaimer.

(a) Stripe does not guarantee that the Stripe Identity Services will detect or prevent all fraudulent activities or correctly verify the identity of any individual.

(b) Stripe makes no representation or warranty that the Stripe Identity Services will enable you to comply with Law, and you remain solely responsible for ensuring that you meet your legal obligations.

(c) You are responsible and liable for your actions and decisions in connection with the Stripe Identity Services, including your decisions to enter, or not enter, into business relationships with any persons.

(d) Stripe Group is not liable for any losses, damages, or costs that you suffer in connection with any fraudulent activities that the Stripe Identity Services did not detect or prevent.

(e) Stripe Group is not liable for any losses, damages, or costs caused by your failure to meet any of your Due Diligence Requirements, or by the Stripe Identity Services failing to correctly verify the identity of any individual.

5. Privacy and Data Protection

5.1 Disclosing Your Privacy Policy

In connection with each verification request that is submitted to the Stripe Identity Services, you must use the Stripe API to provide to Stripe a link to the version of your online Privacy Policy that applies to the Verifiable Individual.

5.2 Requirements for Your Privacy Policy.

If you receive access to any Verification Data as part of the Stripe Identity Services, your Privacy Policy must, at a minimum:

(a) state that you and Stripe are each independent controllers of Verification Data, and that Stripe will process Verification Data in accordance with Stripe’s Privacy Policy and these Stripe Identity Terms, in addition to acting as a service provider to you;

(b) state the process through which Verifiable Individuals can submit data subject requests (including data deletion and data access) to you, and provide your contact information for this purpose;

(c) state the ways in which you will use Verification Data, including, if Law requires, whether you will sell or disclose Verification Data (including as the term “sell” is defined in the CCPA, as applicable);

(d) if Law requires, (i) state the alternative verification methods that you make available to individuals who do not consent to be verified by the Stripe Identity Services; (ii) state that using the Stripe Identity Services may include transmitting Verification Data outside of your jurisdiction, including to the United States; and (iii) state that Verification Data may be submitted to third-party service providers, including Governmental Authorities, for the purpose of verifying the identity of the Verifiable Individual; and

(e) include all other information Law requires you to include.

5.3 Minimum Requirements.

If you do not receive access to any Verification Data as part of the Stripe Identity Services, your Privacy Policy must, at a minimum, satisfy the requirements of Section 5.2(a), (b) and (d) of these Stripe Identity Terms.

5.4 No Inconsistent Terms.

Your Privacy Policy must not contain any terms that contradict Stripe’s or any Stripe service provider’s rights to use Verification Data for the purposes described in these Stripe Identity Terms or as otherwise authorised by the Verifiable Individual (e.g., through consent screens provided through the Stripe Identity Services).

5.5 Stripe may Notify or Obtain Consent.

Depending upon your implementation of the Stripe Identity Services, Stripe may provide notice to or obtain consent from Verifiable Individuals as described in the Stripe Identity Services Documentation for the purpose of enabling Stripe to provide the Stripe Identity Services.

5.6 Your Obligation to Obtain Consent.

You must obtain all consents from Verifiable Individuals that are required for (a) your use of Verification Data; and (b) Stripe’s use of any Personal Data that you submit to Stripe in connection with your use of the Stripe Identity Services. If you provide Stripe with phone numbers for verification, Stripe may verify those phone numbers by sending each phone number a text message or SMS. You represent that you have obtained consent from each Verifiable Individual for Stripe to send a text message or SMS to their phone number. If you use Stripe Identity Services in conjunction with other Services, you must obtain all consents that are required to allow you to collect and share Verification Data with Stripe, and allow Stripe to use that data as this Agreement describes.

5.7 Security Controls.

You must implement and maintain safeguards and security controls that are reasonable for the size, nature and maturity of your business and industry to protect Verification Data and Stripe Data against unauthorised access, use and disclosure. If you fail to do so, in addition to all other remedies available to Stripe, Stripe may suspend or restrict your access to the Stripe Identity Services and Verification Data.

5.8 Assistance to Notify.

If Stripe is required to send a data subject notification to any Verifiable Individuals related to your use of the Stripe Identity Services, including a data breach or required notice about a Stripe Privacy Policy update, you must assist Stripe in notifying Verifiable Individuals, including by emailing those Verifiable Individuals on Stripe’s behalf and as Stripe directs.

6. Audit.

6.1 Obligation to Provide Information.

You must provide information that Stripe requests for the purpose of ensuring that you comply with this Agreement, including information verifying:

(a) that your use of the Stripe Identity Services complies with these Stripe Identity Terms and Law;

(b) that your receipt and use of the Stripe Data and Verification Data complies with these Stripe Identity Terms and Law;

(c) that you have not modified the Stripe Identity Services without Stripe’s consent;

(d) your industry, business activities, licensing and regulatory standing; and

(e) your purpose for using the Stripe Identity Services.

6.2 Obligation to Respond Promptly.

You must respond to Stripe’s requests for information promptly, but no later than 14 days after Stripe’s request. Stripe may suspend or terminate your access to the Stripe Identity Services immediately if you fail to provide information Stripe requests under this Section 6.

7. Retention and Deletion of Data.

7.1 Data Stripe Stores on Your Behalf.

(a) You instruct Stripe to store on your behalf a copy of Verification Data for a period of 3 years following verification, or a shorter period as you may instruct according to the Stripe Identity Services Documentation. You are responsible for (i) determining how long Law requires you to store copies of Verification Data; and (ii) storing (either yourself or through Stripe) the Verification Data for the time period Law requires.

(b) Upon termination of these Stripe Identity Terms, Stripe may delete copies of Verification Data that Stripe has stored on your behalf.

7.2 Data Stripe Stores for its Own Purposes.

Notwithstanding Section 7.1 of these Stripe Identity Terms, Stripe may retain a copy of Verification Data as long as Law permits.

Last modified: December 15, 2023

These terms (“Stripe Issuing Accountholder Terms”) supplement the General Terms and govern your 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.

1.2 Issuer.

Stripe PSP is the issuer of the Cards and the E-money held on the Cards. You may contact STEL by using the Contact us section of our website or sending mail to Stripe Technology Europe, Ltd., The One Building, Grand Canal Street Lower, Dublin 2, Ireland.

2. Use of the Stripe Issuing Services

2.1 Stripe Issuing Administrator.

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

2.2 Issuing Authorised Users.

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

2.3 Compliance.

You represent as of the Effective Date, and warrant at all times during the Term, that you (a) are a commercial business enterprise and the Stripe Issuing Account is for business purposes only; (b) will not use, or permit an Issuing Authorised User to use, the Stripe Issuing Accountholder Services for Card Unauthorised Purposes; and (c) will comply, and ensure that your Stripe Issuing Administrator and Issuing Authorised Users comply, with the Stripe Issuing Program Guidelines.

2.4 Issuing Complaint Handling.

You must submit each Issuing Complaint within 3 business days after you receive the Issuing Complaint, to your Platform Provider or, if you do not have one, to issuing-complaints@stripe.com.

2.5 Providing Information.

As a condition of using the Stripe Issuing Accountholder Services, Stripe may require you to provide User Information, information regarding Issuing Authorised Users (including name, address, birthdate, and government-issued identification documents), and information about your activities and intended use of the Stripe Issuing Accountholder Services. This information may be in addition to information you have previously provided to Stripe in connection with other Services. You must promptly provide all additional financial and other information Stripe requests from time to time.

2.6 Inquiries.

Stripe (or, if applicable, your Platform Provider) will manage all inquiries from Issuing Authorised Users 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.

You may request specific Card designs for Cards issued to you or Issuing Authorised Users. You 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 and Stripe reputational considerations. If Stripe does not approve a proposed Card design, Stripe will recommend modifications that, if made, will meet these requirements. You must resubmit the modified Card design to Stripe for approval using the same process.

3.2 Card Orders.

You may order Cards through your Stripe Dashboard (or, if applicable, through your Platform Provider). At your (or, if applicable, your Platform Provider’s) expense, Stripe will procure and ship (a) Cards based on the information contained in the applicable Card order to the address in the EEA, UK or Switzerland 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 (you or your Platform Provider) when Stripe ships the Card to the address specified in the order.

3.3 Card Activation.

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

3.4 Ownership and Cancellation of Cards.

Cards are the property of Stripe. If Stripe requests that you or an Issuing Authorised User return a Card, then you must return, or ensure that the Issuing Authorised User returns, that Card promptly to Stripe as Stripe instructs. You will immediately and at your 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 Unauthorised Purpose. Stripe will notify you as soon as practicable after cancelling, suspending or restricting a Card, and to the extent Law permits, will inform you 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 determines that the reasons for cancellation, suspension or restriction cease to exist.

3.5 User Materials.

You represent as of the date you submit User Materials for a Card to Stripe for review, and warrant at all times during the Term, that you have 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. You grant 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. You also grant 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 you terminate or revoke 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 E-money Account for which you 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 outstanding amount of E-money which is held in the Stripe Issuing Account across all Cards issued to you. All Cards issued to you are linked to your Stripe Issuing Account.

4.2 Card Transactions.

Stripe will use a Card Network to authorise, clear, and settle all Card Transactions initiated on your 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 Unauthorised Purpose; (b) insufficient E-money is loaded onto the Card; (c) Stripe believes that you are acting in breach of this Agreement or the Connected Account Agreement (if applicable) or any other agreement you may have with a Stripe Entity; (d) Stripe believes the Card Transaction is suspicious, fraudulent, illegal or exposes you, 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 Restricted Business. If Stripe declines to authorise a Card Transaction, Stripe will, on request, if practicable and to the extent Law permits, inform you of the reason. Stripe is not responsible for losses, damages or costs you incur arising out of, or relating to, reversed or declined Card Transactions.

4.3 Authorisation of Card Transactions.

Subject to the features of the Card, the authorisation of a Card Transaction may include authorising any 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 authorised and consented to by you where Issuing Authorised 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 Authorised 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 (including strong customer authentication, as defined under Law). Authorisation of a Card Transaction cannot be withdrawn or revoked once received by Stripe.

4.4 Processing of Card Transactions.

Payment order Card Transactions will be received by Stripe at the time Stripe receives the Card Transaction settlement instruction from the relevant Card Network. 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 amount authorised by (or on behalf of) you 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 you 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.

4.5 Card Transaction Settlement.

Stripe will settle Card Transactions, net of fees and amounts owed to Stripe, to the relevant Card Network within the required settlement time frame.

4.6 Currency conversions.

If you pay 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. The Card Network’s reference exchange rate, and a comparison as against the latest available foreign exchange rates issued by the European Central Bank, are outlined by Visa here and Mastercard here (as may be updated from time to time). When paying in a currency other than the Denominated Currency, the applicable exchange rate will be shown at the time of the Card Transaction.

4.7 Refunds.

You may submit a refund request in relation to Card Transactions where (a) you did not authorise the Card Transaction; (b) the Card Transaction was incorrectly executed and you have notified Stripe in accordance with Section 7 of these Stripe Issuing Accountholder Terms; or (c) the Card Transaction was pre authorised and did not specify the final amount at the time of authorisation, and the amount charged by the merchant is more than you could reasonably have expected taking into account normal spending patterns on the Card or the circumstances of the Card Transaction (a claim for a refund in these circumstances will not be accepted if the amount of the Card Transaction was made available to you at least 4 weeks before the Card Transaction date, or if the claim is made more than 8 weeks after the Card Transaction was debited from the Stripe Issuing Account).

4.8 Card Transaction information.

Stripe (or, if applicable, your Platform Provider) will, through the Stripe Technology, provide you with the Stripe Issuing Account balance and a statement of Card Transactions. You will be able to access and download monthly Card Transaction statements via the Stripe Technology (or, if applicable, from your 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 authorised on or posted to the Stripe Issuing Account.

4.9 Authorised TPPs.

You may give appropriately authorised TPPs access to information concerning, and enable those TPPs to make payments from, the Stripe Issuing Account, subject to and in accordance with these Stripe Issuing Accountholder Terms and Law. Stripe may refuse to allow a TPP to access information or your Stripe Issuing Account if Stripe reasonably believes that the TPP is acting on an unauthorised, fraudulent or illegal basis. Unless Law prohibits notification, Stripe will notify you if Stripe takes this action. You will notify Stripe immediately if you believe a payment made through a TPP was unauthorised or incorrect.

5. Loading and redeeming funds

5.1 Loading funds.

You 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 PSP in compliance with Law. You acknowledge and agree that funds in the Stripe Issuing Account are held by Stripe PSP on your behalf and are not deposits. You will not earn any interest on any funds held in the Stripe Issuing Account.

5.2 Redeeming funds.

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

5.3 Stripe action.

Stripe may prevent you from redeeming funds in the Stripe Issuing Account if Stripe believes your use (or intended use) of the Stripe Issuing Account (a) breaches this Agreement or any other agreement between you and Stripe; (b) is for any Card Unauthorised Purpose; or (c) would expose you, Stripe or others to risks unacceptable to Stripe. Unless restricted by Law, Stripe will notify you as soon as reasonably practicable if Stripe takes that action.

6. Your Obligations and Use of the Cards

6.1 Use of the Cards.

You and your Issuing Authorised Users are permitted to use the Cards for Card Transactions. Cards cannot be used for (a) obtaining cash back at the point of sale; or (b) any Card Unauthorised Purpose. Stripe may, acting reasonably, require you 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 a daily Card Transaction Limit is required by Stripe, Stripe may decline any Card Transactions in excess of the daily Card Transaction Limit.

Cards will be valid for the period ending on the expiry date set out on the relevant Card. You may request a replacement Card. Stripe may charge a fee for the issuance of replacement Cards.

You, (or, if applicable, your Platform Provider) may establish limits or restrictions on your Stripe Issuing Account through your 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 your Stripe Issuing Account and the types of merchants with which your Cards may be used. You (or, if applicable, your Platform Provider) are responsible for communicating and implementing any limits to your Issuing Authorised Users.

6.2 Issuing Authorised User Servicing.

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

7. Card Disputes

7.1 Reporting Unauthorised Transactions.

If you believe (a) your Card has been lost or stolen or (b) there are fraudulent or unauthorised transactions on your Card or Stripe Issuing Account, you must immediately, (a) report any unauthorised Card Transactions to Stripe by filing a dispute through the Stripe Dashboard, and (b) cancel any compromised Cards through the Stripe Dashboard. Disputing a fraudulent or unauthorised Card Transaction will not cancel a Card. Failure to cancel any compromised Cards through the Stripe Dashboard may result in you incurring additional liability.

7.2 Reporting Incorrectly Executed Transactions.

If you believe that your Card or Stripe Issuing Account was subject to an incorrectly executed or otherwise erroneous charge, you may contact the merchant to resolve the dispute regarding the relevant Card Transaction. If you are unable to resolve the dispute with the merchant, then you must file the dispute through your Stripe Dashboard. You must file disputes related to any incorrectly executed, erroneous or disputed Card Transactions to Stripe within 13 months (or within the timeframe required by Law) from the date the Card Transaction appears on your Stripe Issuing Account.

7.3 Determining Incorrectly Executed Transactions.

When you report and submit an erroneous, incorrectly executed or unauthorised Card Transaction through the Stripe Dashboard, Stripe will evaluate the submitted information in accordance with Law and the Card Network Rules. If Stripe determines, in its sole discretion, that the dispute of the Card Transaction is valid or the Card Transaction was erroneous, incorrectly executed or unauthorised, Stripe will credit the amount of the applicable Card Transaction back to your Stripe Issuing Account. If Stripe fully or partially credits the amount of any Card Transaction to your Stripe Issuing Account, you agree to transfer (and execute any necessary agreements to effect the transfer) to Stripe all claims (excluding tort claims) that you may have against the merchant for the Card Transaction.

7.4 Liability for Unauthorised Card Transactions.

Stripe will reimburse you for any card dispute where Stripe determines that neither you nor a Card Authorised User authorised the underlying Card Transaction, provided that (a) you will be liable for the first €50 or £35 (as applicable) of any card dispute where Stripe reasonably believes you should have been aware that the Card was lost or stolen; (b) Stripe will not be liable for any card dispute where (i) you or a Card Authorised User used a Card for a Card Unauthorised Purpose or either intentionally or negligently, failed to use the Card in accordance with the terms of this Agreement or the Stripe Issuing Program Guidelines; or (ii) you failed to immediately notify Stripe of the Card becoming lost, stolen or misappropriated (in accordance with Section 8 of these Stripe Issuing Accountholder Terms).

If Stripe reimburses you for a card dispute and subsequently determines that the relevant Card Transaction was duly authorised and correctly executed, Stripe may recoup or set off an amount equal to that reimbursed amount from your Stripe Issuing Account.

8. Card Security.

8.1 Securing Cards and Account Data.

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

8.2 Unauthorised Transactions.

To the extent Law permits, you are responsible for Card Transactions, and fees and penalties you or Stripe incur resulting from any Issuing Authorised User’s failure to (a) exercise reasonable care in safeguarding Cards from loss, theft or misappropriation; or (b) promptly report loss or theft, including fraud.

To the extent Law permits, if you or an Issuing Authorised User allows another party to use the Card or Personal Data for any purpose or if an unauthorised person uses a Card or Personal Data, you 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 you or your Issuing Authorised Users arising out of or relating to (y) unauthorised access to or use of a Card or your Stripe Issuing Account; or (z) your 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 the Stripe Issuing Services to you at the rates and for the fees described on the Stripe Pricing Page unless you and Stripe otherwise agree in writing. If you are a Connected Account, you may receive the Stripe Issuing Services through the relevant Platform Provider at other rates or fees disclosed to you by the Platform Provider. In addition to the fees, you are also responsible for any penalties imposed on you, Stripe or any Stripe Affiliate in relation to the Stripe Issuing Account and any 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 you owe are in addition to amounts owed for Card Transactions on Cards. Stripe may change fees or penalties by providing you advance notice before revisions become applicable to you, subject to applicable Law.

9.2 Liability for Losses.

Subject to Section 4.7 of these Stripe Issuing Accountholder Terms, as between you and Stripe, you are liable for all Card Transactions and you will reimburse Stripe for any liability that Stripe and its Affiliates incur that result from your actions or inactions, or those of your Issuing Authorised Users, including liability arising from insufficient funds availability or debit reversals.

9.3 Card Stamp Duty.

Notwithstanding the terms of this Agreement (or the Connected Account Agreement, as applicable), and where applicable, Stripe may deduct government levies and stamp duties in respect of Cards from the relevant Stripe Issuing Account.

10. Data Protection

10.1 Data Protection.

You represent as of the Effective Date, and warrant at all times during the Term, that you have and maintain 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 you provide to Stripe or authorise Stripe to collect, including data that Stripe may collect directly from Issuing Authorised Users. You are solely responsible for disclosing to Issuing Authorised Users that Stripe may receive Personal Data from you. You must provide all necessary notices to and obtain all necessary rights and consents from each Issuing Authorised User sufficient to enable Stripe to lawfully collect, use, retain and disclose their Personal Data in the ways this Agreement (including Section 8.3 of the General Terms) and Stripe's Privacy Policy describe. Stripe provides Issuing Authorised Users' Personal Data to third-party service providers, including 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 Authorised User’s Personal Data from your Stripe Issuing Account when Law or the Card Network Rules require. If Stripe becomes aware of any unauthorised disclosure or loss of Personal Data it will notify you in accordance with Stripe's obligations in the Data Processing Agreement.

10.2 Your use of Personal Data

You must only use Personal Data related to your Stripe Issuing Account for your internal business purposes and to fulfil your obligations under this Agreement.

11. Disclaimer of Liability.

Stripe is not liable to you, Stripe Issuing Administrators or Issuing Authorised Users for any losses, damages or costs sustained by you, Stripe Issuing Administrators or Issuing. Authorised Users due to delay or failure in actioning a Card Transaction request.

12. Default and Termination

12.1 Default.

You are in default under these Stripe Issuing Accountholder Terms if (a) you violate Law, or breach these Stripe Issuing Accountholder Terms or the Card Network Rules; (b) you fail to pay any amounts you owe to Stripe or any of its Affiliates in connection with the Stripe Issuing Program; (c) you initiate a Card Transaction that would exceed or violate a limit established for your use of the Stripe Issuing Program; (d) you are the subject of an Insolvency Proceeding; (e) Stripe determines that you provided inaccurate information in your application, or that you have failed to keep this information current; or (f) Stripe determines that you pose an unacceptable regulatory, reputational or financial risk.

12.2 Stripe’s Right to Suspend or Terminate.

If you are in default under these Stripe Issuing Accountholder Terms, Stripe may (a) suspend or terminate your Stripe Issuing Account or any or all Cards; (b) declare any amounts you owe to Stripe due and payable; (c) refuse to authorise any Card Transactions; (d) reverse any Card Transactions; (e) terminate these Stripe Issuing Accountholder Terms and offboard you as a Stripe Issuing Accountholder; and (f) take any other action Stripe deems necessary.

12.3 Reactivating after Suspension.

If Stripe suspends your Stripe Issuing Account or a Card, Stripe may require you to pay amounts you owe to Stripe before reactivating your Stripe Issuing Account or that Card.

12.4 Right of Setoff.

Stripe, for itself and on behalf of each of its Affiliates, may set off any amounts you owe to Stripe in connection with your participation in the Stripe Issuing Program against other funds that Stripe holds or processes on your behalf.

12.5 Closing Your Stripe Issuing Account.

You may close your Stripe Issuing Account or any Card by notifying Stripe (or, if applicable, your Platform Provider).

13. Definitions.

“Card” means a Card Network-branded payment card (which may be a physical card or tokenised, encrypted, or digitised form of a physical card) issued to a Stripe Issuing Accountholder for the Stripe Issuing Accountholder’s business purposes in connection with the Stripe Issuing Program.

“Card Transaction” means a transaction to make a payment with a Card or, if permitted, to obtain cash at an automatic teller machine (ATM).

“Card Transaction Limit” means the maximum amounts available for Card Transactions on a Card.

“Card Unauthorised 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.

“Denominated Currency” means (a) euro if you are located in the EEA; (b) GBP if you are located in the UK; or (c) as may otherwise be specified by Stripe from time to time.

“Issuing Authorised User” means an individual a Stripe Issuing Accountholder authorises to use a Card to make Card Transactions on the Stripe Issuing Accountholder’s behalf (e.g., the Stripe Issuing Accountholder’s employee, independent contractor or representative designated as an authorised user).

“Issuing Complaint” means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program.

“Platform Provider” means the platform that gives you access to the Stripe Issuing Program (if you are a Connected Account or if you otherwise access the Stripe Issuing Program through a platform).

“SPUKL” means Stripe Payments UK, Ltd.

“STEL” means Stripe Technology Europe, Limited.

“Stripe Issuing Account” means the account Stripe or a Stripe Affiliate maintains for a Stripe Issuing Accountholder, and each subaccount to that account.

“Stripe Issuing Accountholder” means a business or organisation 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, including (a) providing Stripe Issuing Accountholders with access to the Stripe Issuing Program; (b) enabling Stripe Issuing Accountholders to manage Card spend, and (c) other services described in these Stripe Issuing Accountholder Terms.

“Stripe Issuing Administrator” means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Program.

“Stripe Issuing Program” means a Card issuing program and related services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, together with the Stripe Issuing Accountholder Services.

“Stripe Issuing Program Guidelines” means all product design, marketing, compliance, reporting, and other guidelines and requirements Stripe and its Affiliates establish related to the Stripe Issuing Services, as updated from time to time.

“User Materials” means any materials that you or a Stripe Issuing Accountholder wish to place on Cards or other materials related to the Stripe Issuing Programs, including any Mark or material protected by any IP Rights.

Last modified: December 15, 2023

These terms (“Stripe Issuing Platform Terms”) supplement the General Terms and the Stripe Connect Terms, and govern your participation in the Stripe Issuing Program as a Stripe Connect Platform. If you receive Cards and otherwise participate in the Stripe Issuing Program as a Stripe Issuing Accountholder, the Stripe Issuing Accountholder Terms apply. Capitalised terms used in these Stripe Issuing Platform Terms that are not defined inline or elsewhere in the Agreement are defined in Section 14.

1. Program

You and Stripe will jointly establish a program through which eligible Connected Accounts may access a Stripe Issuing Program. You must offer the Stripe Issuing Program only to eligible Connected Accounts for their business purposes.

1.1 Issuer.

Stripe PSP is the issuer of the Cards and the E-money held on the Cards. You may contact STEL by using the Contact us section of our website or sending mail to Stripe Technology Europe, Ltd., The One Building, Grand Canal Street Lower, Dublin 2, Ireland.

2. Approvals and Onboarding

2.1 Platform Approval.

Stripe must approve your use of the Stripe Issuing Platform Services and prior to granting its approval, Stripe may, require you to provide User Information, and information about your activities and intended use of the Stripe Issuing Platform Services. This information may be in addition to information you previously provided to Stripe in connection with other Services. You must promptly provide information related to your use of the Stripe Issuing Program that Stripe requests from time to time.

You are obliged to implement the Stripe Issuing Program as per the Stripe Issuing Program Guidelines.

2.2 Connected Account Approval.

Stripe must approve each Connected Account before it can become a Stripe Issuing Accountholder.

2.3 Use of the Issuing Platform Services.

Stripe will provide Stripe Issuing Platform Services to you, and Stripe Issuing Services to Stripe Issuing Accountholders. Stripe will issue Cards directly to a Stripe Issuing Accountholder for the Stripe Issuing Accountholder to provide to Issuing Authorised Users for use on business-related purchases and as otherwise permitted by Stripe. You acknowledge and agree that, in respect of the Authorised Payment Services, Stripe’s customers are the Stripe Issuing Accountholders and not you or any Issuing Authorised Users (who will be acting under the authority of the Stripe Issuing Accountholder).

2.4 Stripe Issuing Program Territory.

You must not offer, market or make the Stripe Issuing Program available to Connected Accounts located outside of (a) the UK, Switzerland and Gibraltar, for Cards issued by SPUKL; and (b) the EEA, for Cards issued by STEL. You must ensure that no Stripe Issuing Accountholder is located outside of (x) the UK, Switzerland and Gibraltar, for Cards issued by SPUKL; and (y) the EEA, for Cards issued by STEL.

3. Stripe Issuing Accountholders

3.1 Opening an Account.

Stripe will make available to you an approved electronic application form for Stripe Issuing Accountholders. You must make this form available to Connected Accounts that wish to use the Stripe Issuing Accountholder Services. Each Connected Account must provide information identifying it and its Principal Owners, Stripe Issuing Administrators, Issuing Authorised and representatives and any other information requested by Stripe. Stripe may use this information to (a) verify the Connected Account’s identity; (b) determine the Connected Account’s eligibility to be a Stripe Issuing Accountholder and confirm it is not engaged in a Restricted Business; (c) administer the Stripe Issuing Program; and (d) monitor each Stripe Issuing Accountholder’s Principal Owners, Stripe Issuing Administrators, Issuing Authorised Users, representatives, and individuals with significant responsibility for management, including executives and senior managers, for the purpose of meeting Stripe’s obligations under Law. Stripe may reject any Connected Account's application for, and terminate any Stripe Issuing Accountholder’s access to, the Stripe Issuing Accountholder Services immediately if any Connected Account, Stripe Issuing Accountholder, Principal Owner, Stripe Issuing Administrator, Issuing Authorised User, representative, or individual with significant responsibility for management is or becomes a High-Risk Person or uses the Stripe Issuing Program for a Card Unauthorised Purpose.

3.2 Stripe Issuing Accountholder Terms.

You must (a) present the Stripe Issuing Accountholder Terms to each Connected Account before that Connected Account submits its accountholder application; and (b) ensure that each Connected Account agrees to the Stripe Issuing Accountholder Terms. You must not modify or supplement any provision of the Stripe Issuing Accountholder Terms without Stripe’s prior approval.

3.3 Acceptance Records.

You must maintain a record and description of the user interfaces that you use to collect acceptance (including date and time) of the Stripe Issuing Accountholder Terms in a retrievable and examinable format and at Stripe’s request, provide them to Stripe. If Stripe believes that your existing acceptance process does not create a binding agreement between Stripe and each Connected Account, upon Stripe’s request, you must modify that process as Stripe requires.

3.4 Updates to Stripe Issuing Accountholder Terms.

Stripe may modify the Stripe Issuing Accountholder Terms at any time. Stripe will notify you if Stripe modifies the Stripe Issuing Accountholder Terms. You must notify your Stripe Issuing Accountholders of the modification within the time period specified by Stripe in the modification notice. At Stripe’s request, you must provide Stripe with proof of your notification. If any Stripe Issuing Accountholder does not agree to the updated Stripe Issuing Accountholder Terms, you must immediately stop making the Stripe Issuing Accountholder Services available to that Stripe Issuing Accountholder.

3.5 Stripe Issuing Accountholder Fees.

You are liable to Stripe for fees you and your Stripe Issuing Accountholders incur. Subject to these Stripe Issuing Platform Terms, the Card Network Rules and Law you may pass certain fees onto the applicable Stripe Issuing Accountholders. You must not pass any fees to any Stripe Issuing Accountholder that are attributable to (a) a Stripe Issuing Accountholder’s use of Apple Pay or any other digital wallet fee or (b) a Card Transaction that was disputed because it was fraudulent or otherwise unauthorised.

Stripe may review the fees you charge your Stripe Issuing Accountholders in connection with the Stripe Issuing Services to determine whether the fees comply with Stripe’s requirements, the Card Network Rules and Law. If Stripe determines the fees do not comply, you must immediately modify the fees and reimburse the Stripe Issuing Accountholder as Stripe directs.

3.6 Amounts Owed.

If Stripe is ultimately able to collect from a Stripe Issuing Accountholder the amounts that you paid to Stripe related to that Stripe Issuing Accountholder’s Card Transactions, Stripe will refund to you the amount Stripe collected from that Stripe Issuing Accountholder.

3.7 Issuing Authorised Users.

Approved Stripe Issuing Accountholders may designate Issuing Authorised Users to make Card Transactions on their behalf in accordance with the Stripe Issuing Accountholder Terms.

3.8 Issuing Authorised User Servicing.

You must provide all support to, and handle all enquiries from, Stripe Issuing Accountholders and Issuing Authorised Users, including regarding Card usage, and lost, damaged or stolen Cards. You must provide this support according to the Stripe Issuing Program Guidelines. Unless Stripe agrees otherwise, you must not outsource your support obligations to any third party. On a monthly basis or as otherwise requested by Stripe, you must provide to Stripe a report of Issuing Complaints that you received and handled during the prior month, as described in the Stripe Issuing Program Guidelines.

3.9 Data Use Disclosure.

You must disclose to all prospective Stripe Issuing Accountholders and prospective Issuing Authorised Users that you may provide Personal Data to Stripe, and that Stripe may receive or collect Personal Data. You must ensure that each prospective Stripe Issuing Accountholder consents to Stripe’s Privacy Policy.

4. Responsibility for Activity

Except as expressly provided in this Agreement, and without prejudice to the Stripe Connect Terms, you are responsible for all Activity relating to the Stripe Issuing Program, whether initiated by you, a Stripe Issuing Accountholder, an Issuing Authorised User, or any person using your credentials, including (a) use of the Stripe Issuing Services for a Card Unauthorised Purpose, or in violation of this Agreement, or the applicable Card Network Rules; (b) all Card Transactions on the Stripe Issuing Account; and (c) any fees, losses, damages or costs that Stripe incurs arising out of or relating to that Activity, including insufficient funds availability to cover debit requests from Stripe or due to debit reversals. Stripe may attempt to collect any amounts owed from Stripe Issuing Accountholders before Stripe collects these amounts from you. However, you remain jointly and severally liable to Stripe for these amounts, and Stripe may collect these amounts from you in accordance with this Agreement.

5. Cards and Card Orders

5.1 Card Design.

You and your Stripe Issuing Accountholders may request specific Card designs. You must submit all Card designs to Stripe for review and approval using the process Stripe requires. Stripe will review Card design proposals for compliance with this Agreement, the Card Network Rules, 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. You must resubmit the modified design to Stripe for approval using the same process.

5.2 Card Orders.

You may order Cards on behalf of Stripe Issuing Accountholders through your Stripe Dashboard or the Stripe API. At your expense, Stripe will procure and ship (a) Cards based on the information contained in each 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 (you or the Stripe Issuing Accountholder) when Stripe ships the Card to the address specified in the order.

5.3 Card Ownership; Limitations.

Stripe owns each Card. If Stripe requests that you or a Stripe Issuing Accountholder return a Card, then you must return, or ensure that the Stripe Issuing Accountholder returns, that Card promptly to Stripe. Stripe may cancel, repossess or restrict the use of Cards at any time, and may decline to authorise or reverse any Card Transaction.

5.4 Personal Data Security.

If you process, access, store, or retrieve Personal Data from your Stripe Dashboard or Stripe API, you must ensure that the Personal Data is secured in accordance with this Agreement, including Sections 9.2 and 11 of these Stripe Issuing Platform Terms.

5.5 User Materials.

You represent as of the date you submit User Materials for a Card to Stripe for review, and warrant at all times during the Term, that you have the necessary rights in and to the User Materials to use (and grant Stripe the rights to use) the User Materials on the Cards and other materials related to the Stripe Issuing Program. You grant to Stripe and its Affiliates a worldwide, non-exclusive, royalty-free licence during the Term to use the User Materials on Cards and applicable Stripe Issuing Program materials. You also grant 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.

6. Funds and Card Transactions

6.1 Card Transaction information.

Stripe will, through the Stripe Technology, provide you with the Stripe Issuing Account balances and a statement of Card Transactions for each Stripe Issuing Account. You will be able to download monthly Card Transaction statements via the Stripe Technology. 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 authorised on or posted to the relevant Stripe Issuing Account.

You must make Card Transaction information available to your Stripe Issuing Accountholders on an ongoing basis and upon request from any Stripe Issuing Accountholder promptly provide any statement of Card Transactions and Stripe Issuing Account information or balances to that Stripe Issuing Accountholder.

6.2 Stripe Issuing Accountholder Spend

The Stripe Issuing Accountholder Terms contain the terms governing spending limits, available spend, and payment or repayment in connection with the Stripe Issuing Program.

7. Compliance and Marketing

7.1 General.

You must:

(a) comply with Law with respect to your marketing activities, including Law governing your use of Personal Data related to those marketing activities;

(b) comply with, and ensure all Stripe Issuing Accountholders comply with, the Stripe Issuing Program Guidelines;

(c) ensure that all Stripe Issuing Accountholders and their Issuing Authorised Users comply with the Stripe Issuing Accountholder Terms, and access and use the Stripe Issuing Accountholder Services according to Law and the Card Network Rules;

(d) not, and must ensure that Stripe Issuing Accountholders and Issuing Authorised Users do not, take or fail to take any action that could cause Stripe or any of its Affiliates to violate Law or any Card Network Rules; and

(e) ensure that Stripe Issuing Accountholders and Issuing Authorised Users use the Stripe Issuing Accountholder Services for business purposes only.

7.2 Compliance Program.

(a) Requirements. You must establish, maintain, and act according to a compliance program that enables and ensures that (i) you and each Stripe Issuing Accountholder complies with Law, the Card Network Rules, and the Stripe Issuing Program Guidelines; and (ii) you comply with this Agreement. Stripe may assess your compliance with the Stripe Issuing Program Guidelines and you must promptly provide all information, documentation, and assistance that Stripe require to assess your compliance.

(b) Customer Communications. As described in the Stripe Issuing Guidelines, (i) you must send certain compliance-related communications to your Stripe Issuing Accountholders; and (ii) Stripe may send communications directly to your Stripe Issuing Accountholders.

7.3 Marketing.

Stripe must approve all marketing materials that you wish to use in connection with the Stripe Issuing Services. Stripe may provide template marketing materials to you, which you may use without further Stripe approval as long as the template marketing materials are not materially modified. You must submit all proposed marketing materials to Stripe using a process Stripe communicates to you.

8. Fees and Taxes

8.1 Program Fees.

Stripe will provide the Stripe Issuing Platform Services to you and the Stripe Issuing Accountholder Services to Stripe Issuing Accountholders at the rates and for the fees described on the Stripe Pricing Page, unless you and Stripe otherwise agree in writing. In addition to the fees, you are also responsible for any penalties imposed on you or Stripe in relation to your use of the Stripe Issuing Services. Fees and penalties may include periodic fees, foreign transaction fees, penalties for misuse, dispute fees for unauthorised or incorrectly executed transactions, funds transfer fees, account maintenance fees, Card issuance or replacement fees, and penalties for late or failed payments. All fees or penalties you owe are in addition to amounts owed for Card Transactions and Card accounts associated with each Stripe Issuing Account. Stripe may change fees or penalties by providing you or Stripe Issuing Accountholder (as applicable) advance notice before revisions become applicable to Stripe Issuing Accountholder, subject to Law.

8.2 Fees.

You are solely responsible for communicating any use, recurring, or application fees charged to Stripe Issuing Accountholders for their use of Platform Services in connection with the Stripe Issuing Services, and must clearly communicate those fees to Stripe Issuing Accountholders prior to imposing such fees.

8.3 Card Stamp Duty.

Notwithstanding the terms of this Agreement (or the Connected Account Agreement, as applicable), and where applicable, Stripe may collect government levies, stamp duties, and other similar taxes in respect of Cards issued to Stripe Issuing Accountholders by deducting the relevant amounts from your Stripe Issuing Account.

9. Data Use

9.1 Data Use.

(a) Stripe’s Data Use. As between Stripe and a Stripe Issuing Accountholder, Stripe’s rights to use Protected Data generated by the Stripe Issuing Program are governed by the Agreement and the Stripe Issuing Accountholder Terms.

(b) Your Data Use. You may process, use, and disclose Personal Data only for the following purposes: (i) in connection with your use of the Stripe Issuing Platform Services; (ii) to provide Stripe Issuing Accountholders access to the Stripe Issuing Accountholder Services; (iii) in connection with your own fraud prevention and loss mitigation activities; (iv) to fulfil your obligations to Stripe; and (v) to comply with Law and the Card Network Rules. Without limiting the previous sentence, you must not sell, rent, transfer, make available or communicate orally or through other means any Personal Data to a third party for monetary or other valuable consideration.

(c) Data Collection. You must obtain and maintain all necessary rights and consents under Law to provide the User Information that you provide to Stripe about each of your (i) Principal Owners and employees, independent contractors and agents; and (ii) Connected Accounts, Stripe Issuing Accountholders and Issuing Authorised Users.

9.2 Securing Cards and Account Data.

You must secure Cards and Personal Data in your possession or control, and you must ensure that your Stripe Issuing Accountholders secure Cards and Personal Data in their possession or control. When stored or processed digitally, you must use appropriate organisational and technical measures to secure the Cards and Personal Data in your possession or control, including through industry-standard encryption. You must monitor, and you must ensure that your Stripe Issuing Accountholders monitor, for suspicious, fraudulent and unauthorised Card Transactions on each Stripe Issuing Accountholder’s Stripe Issuing Account and each Card.

9.3 Responsibility for Card Transactions.

As between Stripe and you, you are responsible for all authorised and unauthorised Card Transactions. You are also responsible for all fees and penalties incurred resulting from any Stripe Issuing Accountholder’s or Issuing Authorised User’s failure to (a) exercise reasonable care in safeguarding Cards from loss or theft; or (b) promptly report loss or theft, including fraud. Additionally, to the extent Law permits, if you, a Stripe Issuing Accountholder or an Issuing Authorised User allows another party to use the Card or Personal Data for any purpose, or if an unauthorised person uses a Card or Personal Data, you are responsible for that use, including all losses, damages and costs arising out of or relating to that use.

10. Card Disputes

10.1 Disputes Generally and Disputes API Form.

Stripe will make the Disputes API Form available to you. You must either:(a) configure the Stripe API to make the Disputes API Form available to your Stripe Issuing Accountholders; or(b) provide a channel through which Stripe Issuing Accountholders can submit disputes to you. You must immediately submit any disputes you receive to Stripe through the Stripe API or the Stripe Dashboard.

You must not interfere with any Stripe Issuing Accountholder’s ability to dispute a Card Transaction.

10.2 Reporting Unauthorised Transactions.

If a Card is lost or stolen, or a Stripe Issuing Accountholder believes that there are fraudulent or unauthorised transactions on a Card , you must immediately (a) report any unauthorised Card Transactions to Stripe by filing a dispute through the Stripe Dashboard or you must facilitate the Stripe Issuing Accountholder in filing a dispute for any unauthorised Card Transaction to Stripe, and (b) cancel any compromised Cards through the Stripe API or the Stripe Dashboard. Disputing a fraudulent or unauthorised Card Transaction will not cancel a Card. If you fail to cancel any compromised Cards through the Stripe API or the Dashboard, you may incur additional liability.

10.3 Reporting Erroneous Transactions.

If you believe that a Card was subject to an incorrectly executed or otherwise erroneous charge, the Stripe Issuing Accountholder must first contact the merchant to resolve the dispute regarding the relevant Card Transaction. If the Stripe Issuing Accountholder is unable to resolve the dispute with the merchant, then you must file the dispute through your Stripe Dashboard or you must facilitate the Stripe Issuing Accountholder in filing a dispute for the Card Transaction through the Disputes API Form or another channel that you provide. Stripe Issuing Accountholders must file disputes related to any incorrectly executed, erroneous or disputed Card Transactions to Stripe within 13 months (or within timeframe required by Law) from the date the Card Transaction appears on their Stripe Issuing Account.

10.4 Determining Disputed Card Transactions.

When a Stripe Issuing Accountholder submits or reports an erroneous or unauthorised Card Transaction, Stripe will evaluate the submitted information in accordance with Law and the Card Network Rules. If Stripe or the Card Network determines, in its sole discretion, that the dispute is valid or the Card Transaction was erroneous, incorrectly executed or unauthorised, Stripe will credit the amount of the applicable Card Transaction back to the applicable Stripe Issuing Account. You must abide by the determination of any dispute. You may not pass any costs or dispute fees you incur as a result of any fraudulent or unauthorised Card Transactions on to a Stripe Issuing Accountholder.

11. Representations and Warranties and PCI Compliance

You represent as of the Effective Date, and warrant at all times during the Term, that you and your service providers that store, access or transmit Personal Data comply with the PCI Standards. Upon Stripe’s request, you must verify that your implementation of the Stripe Issuing Program complies with the PCI Standards and promptly provide the most recent assessment results to Stripe.

12. Indemnification

You will indemnify the Stripe Parties against all Stripe Losses arising out of or relating to (a) the Stripe Issuing Accountholders’ and Issuing Authorised Users’ use of the Stripe Issuing Accountholder Services, including any Stripe Issuing Accountholder’s or Card Authorised User’s act or omission related to the Stripe Issuing Accountholder Services; and (b) all card disputes.

13. Liability

13.1 Stripe liability.

In addition to liability provisions in the Agreement, Stripe will not be liable to you, Stripe Issuing Accountholder, Stripe Issuing Administrators or Issuing Authorised Users for any losses sustained by you or any Stripe Issuing Accountholders, Stripe Issuing Administrators or Issuing Authorised Users due to delay or failure in servicing a Card Transaction request.

13.2 Your Liability for Stripe Issuing Accountholders.

Despite any provision of this Agreement (including any precedence or interpretation clause), there is no limitation or exclusion in relation to your liability for Stripe Issuing Accountholders, or for your failure to acquire binding acceptance by each Stripe Issuing Accountholder of the Stripe Issuing Accountholder Terms in accordance with this Agreement.

13.3 Termination.

These Stripe Issuing Platform Terms automatically terminate if the Stripe Connect Terms terminate for any reason.

14. Definitions

“Card” means a Card Network-branded payment card (which may be a physical card or tokenised, encrypted, or digitised form of a physical card) issued to a Stripe Issuing Accountholder for the Stripe Issuing Accountholder’s business purposes in connection with the Stripe Issuing Program.

“Card Transaction” means a transaction to make a payment with a Card or, if permitted, to obtain cash at an automatic teller machine (ATM).

“Card Transaction Limit” means the maximum amounts available for Card Transactions on a Card.

“Card Unauthorised 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.

“Disputes API Form” means an electronic form that enables you and your Connected Account to submit disputed Card Transaction disputes to Stripe.

“Issuing Authorised User” means an individual a Stripe Issuing Accountholder authorises to use a Card to make Card Transactions on the Stripe Issuing Accountholder’s behalf (e.g., the Stripe Issuing Accountholder’s employee, independent contractor or representative designated as an authorised user).

“Issuing Complaint” means any expression of dissatisfaction with a product, service, policy, or employee related to a Stripe Issuing Program.

“Principal Owner” means, with respect to a legal entity, an individual who directly or indirectly, through any contract, arrangement, understanding, relationship, or otherwise, owns at least 25% of the equity interests of the legal entity.

“SPUKL” means Stripe Payments UK, Ltd.

“STEL” means Stripe Technology Europe, Limited.

“Stripe Issuing Account” means the account Stripe or a Stripe Affiliate maintains for a Stripe Issuing Accountholder, and each subaccount to that account.

“Stripe Issuing Accountholder” means a business or organisation that has successfully completed the onboarding requirements described in the Stripe Issuing Accountholder Terms and been approved for a Stripe Issuing Account.

“Stripe Issuing Administrator” means the individual that a Stripe Issuing Accountholder appoints to manage its participation in the Stripe Issuing Program.

“Stripe Issuing Platform Services” means the Services that allow you to co-market the Stripe Issuing Accountholder Services to your Platform Users and provide access to the Stripe Issuing Accountholder Services to Stripe Issuing Accountholders.

“Stripe Issuing Program” means a Card issuing program and services that Stripe and its Affiliates make available to Stripe Issuing Accountholders, together with the Stripe Issuing Accountholder Services.

“Stripe Issuing Program Guidelines” means all product design, marketing, compliance, reporting, and other guidelines and requirements Stripe and its Affiliates establish related to the Stripe Issuing Services and Stripe Issuing Platform Services, including Stripe Issuing marketing guidelines and the Stripe Issuing section of the Documentation, as updated from time to time.

“Stripe Issuing Services” means the Stripe Issuing Accountholder Services and Stripe Issuing Platform Services.

“User Materials” means any materials that you or your Stripe Issuing Accountholder wish to place on Cards or other materials related to the Stripe Issuing Programs, including any Mark or material protected by any IP Rights.

Last modified: January 9, 2024

1. Stripe Professional Services.

These terms (“Stripe Professional Services Terms”) supplement the General Terms, govern your use of the Stripe Professional Services, and apply to your purchase of Stripe Professional Services under a Professional Services Order Form.

2. Provision of Stripe Professional Services.

2.1 Service Description.

The specific Stripe Professional Services that Stripe will provide to you are described on the Professional Services Order Form, Professional Services Data Sheet and Stripe Website.

2.2 Project Start Date.

Within 10 days after the Professional Services Order Form is executed, the parties will seek to agree on a date when Stripe will start providing the Stripe Professional Services to you (“Project Start Date”). If the parties do not agree on a Project Start Date within that time period, you may select a Project Start Date by providing Stripe with at least 30 days’ notice of your proposed Project Start Date. Notwithstanding the Project Start Date, Stripe’s obligation to provide the Stripe Professional Services to you ends one year after the Professional Services Order Form is executed.

2.3 Delivery of Services.

Unless the parties otherwise agree (including in the Professional Services Order Form or Professional Services Data Sheet), Stripe will provide Stripe Professional Services (a) on a remote or virtual basis, and (b) during business hours on business days.

2.4 Acceptance of Services.

Stripe will provide you with a completion notice for the completed Stripe Professional Services, and unless you object to the completion notice by notifying Stripe within 10 days of the completion notice, the Stripe Professional Services will be deemed accepted by you when Stripe provides the completion notice. If you raise an objection, the parties will cooperate in good faith to resolve it.

3. Fees and Expenses.

3.1 Stripe Professional Services Fees and Expenses.

The fees for Stripe Professional Services are described on the Professional Services Order Form, Professional Services Data Sheet and Stripe Website.

3.2 Liability for Fees and Expenses.

You must pay the Stripe Professional Services Fees, and all approved Professional Services Expenses. Stripe will seek your approval for Professional Services Expenses before Stripe or its subcontractors incur them, including prior to making any required travel. If you do not promptly approve Professional Services Expenses, Stripe’s ability to provide the Stripe Professional Services may be adversely impacted and you are responsible for any consequences, including delays or termination of the Stripe Professional Services.

3.3 Collection of Fees and Expenses.

Stripe will collect Professional Services Fees and Professional Services Expenses as described in the General Terms. The Professional Services Fees and Professional Services Expenses are payable by you in full and are non-refundable, regardless of whether: (a) you request that Stripe stop providing the Stripe Professional Services before they are delivered in full; (b) Stripe is unable to provide the Stripe Professional Services due to your failure to fulfill your obligations under this Agreement; or (c) the Professional Services Order Form is terminated before the Stripe Professional Services are fully delivered for a reason other than Stripe’s uncured material breach.

4. Sample Codes.

Stripe may, as part of Stripe Professional Services, provide sample codes, snippets, and programming examples illustrating various features of the Stripe Technology (collectively, “Sample Codes”). Stripe provides Sample Codes “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 Sample Codes. Stripe Group is not liable for any losses, damages, or costs that you or others may suffer arising out of or relating to Sample Codes. Sample Codes are Documentation for purposes of this Agreement.

5. User Commitments and Obligations.

You must:

(a) appoint a person to act as your main point of contact with respect to the Stripe Professional Services who will have the authority to act on your behalf and coordinate your employees, contractors and agents to meet your obligations under these Stripe Professional Services Terms;

(b) appoint a senior leader within your organization as a project sponsor to be responsible for providing necessary resources for successful project management and resolving any escalated issues;

(c) not change technical and operational requirements after the parties agree on a project plan as contemplated in the Professional Services Data Sheet;

(d) respond promptly to any request from Stripe to provide direction, information, documentation (including test plans, relevant testing environments (if applicable), and a description of your systems architecture), approvals, authorizations, or decisions that are reasonably necessary for Stripe to provide the Stripe Professional Services in accordance with this Agreement;

(e) make all your team members, including engineering and operational personnel, subject matter experts and other key personnel, available throughout the project to execute their required tasks in a timely fashion;

(f) cooperate with Stripe and complete your obligations in relation to the project within agreed upon timeframes; and

(g) provide each Stripe Project Team member (as defined below) with developer-level access to your Stripe Account during the term of the Professional Services Order Form.

6. Subcontractors.

Stripe may engage subcontractors to perform all or part of the Stripe Professional Services (together with Stripe employees performing the Stripe Professional Services, if any, the “Stripe Project Team”). Stripe will remain responsible to you for performing its obligations under and in accordance with these Stripe Professional Services Terms, Professional Services Data Sheet and Professional Services Order Form.

7. Disclaimer.

Stripe does not represent or warrant that any advice or recommendations made by Stripe, or its subcontractors, will be appropriate for your business. Stripe does not have access to all relevant information about your business, and its advice and recommendations will be based on certain assumptions and in reliance on information you provide in connection with this Agreement. You are responsible for determining whether to act upon any advice or recommendations Stripe or its subcontractors make.

Stripe does not provide legal or compliance advice. You are responsible for all integration work and for making your own assessment of whether your use of the Stripe Professional Services meets applicable legal and regulatory requirements.

8. Confidentiality.

All non-public information disclosed by a Stripe Entity or the Stripe Project Team in connection with the Stripe Professional Services is Stripe’s confidential information.

Last modified: November 17, 2022

1. Stripe Radar Services.

These terms (“Stripe Radar Terms”) supplement the General Terms and Stripe Payments Terms (as applicable) and govern your use of the Stripe Radar Services and Stripe Radar Data.

2. Stripe Radar Services On by Default.

The Stripe Radar Services may be enabled by default. If you do not wish to use these Services, you must contact Stripe to disable them.

3. Permitted Use.

You may use the Stripe Radar Services and Stripe Radar Data only to help detect and block actual or potential fraud and unauthorised Transactions, in each case in connection with the Services.

4. Services Restrictions.

You must not, and must not enable or allow any third party to:

(a) use the Stripe Radar Services or Stripe Radar Data as a factor in determining any person’s eligibility for credit, insurance, housing or employment, or in any way that would cause Stripe to be a “consumer reporting agency” or cause the Stripe Radar Data to constitute a “consumer report,” each as described in the FCRA (as applicable);

(b) sell, rent, transfer, make available, or communicate orally or through other means Stripe Radar Data (including as the term “sell” is defined in the CCPA (as applicable));

(c) disclose (except as Law requires), download or store Stripe Radar Data;

(d) use the Stripe Radar Services or Stripe Radar Data to directly or indirectly develop or otherwise make available on a commercial basis any security or fraud detection product or service;

(e) use the Stripe Radar Services or Stripe Radar Data to discriminate based on race, gender, or other protected characteristics, or take any “adverse action” as that term is described in the FCRA (as applicable); or

(f) use the Stripe Radar Services or Stripe Radar Data to evaluate transactions not processed through the Services.

5. Responsibility for Decisions and Disclaimers.

5.1 Responsibility for Decisions.

(a) You are solely responsible for your use of the Stripe Radar Services and Stripe Radar Data, as well as the decisions you make and the actions you take in connection with the Stripe Radar Services and Stripe Radar Data.

(b) You are solely responsible for choosing which rules (default or custom) you use with the Stripe Radar Services. Your choice to input and use additional rules with the Stripe Radar Services may result in longer settlement times for applicable Transactions. Without further notice to you, Stripe may make general or specific changes to the rules that may alter the Stripe Radar Services.

5.2 Disclaimers.

(a) Each Radar Score is based on data available to the Stripe Radar Services at the time it is generated, and the Radar Score does not auto-update to reflect any subsequent changes to data that was used to generate that Radar Score.

(b) The Stripe Radar Services use data from transactions processed through the Stripe services, which may include your Transactions.

(c) The Stripe Radar Data does not constitute legal or compliance advice, or advice as to whether you should proceed with a transaction with another person.

(d) Stripe is not liable for any losses, damages, or costs arising out of or relating to (i) fraudulent Transactions and other fraudulent activity; (ii) non-fraudulent transactions that may be blocked by the Stripe Radar Services; or (iii) the accuracy (or inaccuracy) of the Radar Scores, and any actions that you or Stripe may take based on the Radar Scores.

6. Additional Terms Regarding Personal Data and Compliance.

6.1 Privacy Disclosures.

In providing the Stripe Radar Services, Stripe collects, uses and may make available to other Stripe users information regarding device characteristics and customer activity indicators that may help Stripe users detect and block actual or potential fraud. You affirm that your Privacy Policy fully discloses to Customers these types of data collection and use, including sharing this data with Stripe and Stripe using this data. More information is available under the topic “Advanced Fraud Protection” in the Documentation and in Stripe's Privacy Policy.

6.2 Example Disclosure.

You may choose to add the following to your Privacy Policy if it does not already include a disclosure to this effect:

“We use Stripe for payment, analytics, and other business services. Stripe collects transaction and personally identifying information, which it analyses and uses to operate and improve the services it provides to us, including for fraud detection. You can learn more about Stripe and read its privacy policy here.”

6.3 Requests for Compliance Information.

Within 14 days after Stripe’s request, you will provide information and documentation that Stripe requests for the purpose of ensuring your compliance with these Stripe Radar Terms. Stripe may suspend or terminate your access to the Stripe Radar Services immediately upon notice to you if you fail to provide information or documentation Stripe requests under this Section 6.3.

7. Stripe Radar Data.

Stripe Radar Data is Stripe Data for the purposes of this Agreement. You will promptly delete or destroy all Stripe Radar Data in your possession or control that you received in connection with the Stripe Radar Services (a) upon termination of these Stripe Radar Terms; and (b) at any time upon Stripe’s request. However, in each case, you may retain copies of that Stripe Radar Data to the extent Law requires, as long as you use that data only to comply with Law.

Last modified: March 24, 2023

1. Stripe Tax Services.

These terms (“Stripe Tax Terms”) supplement the General Terms and govern your use of the Stripe Tax Services and Stripe Tax Data.

2. Information Used by the Stripe Tax Services.

You acknowledge that the Stripe Tax Services rely on the accuracy of information you and Governmental Authorities provide to Stripe. You should validate all of this information, as inaccurate information may cause the Stripe Tax Services to generate inaccurate Stripe Tax Data.

3. Limitations on Reporting.

You may receive Stripe Tax Data through the Stripe Tax Services that is based on Stripe’s interpretations of Law. You must validate that Stripe’s interpretations are appropriate for your circumstances.

4. No Tax Advice.

The Stripe Tax Services do not constitute tax advice or tax filing or reporting assistance.

5. Disclaimer.

You remain fully responsible for, and Stripe disclaims all liability with respect to:

(a) your fulfilment of your obligations under Law, including with respect to Taxes;

(b) the accuracy of the Tax calculations the Stripe Tax Services generate, and your obligation to pay any fine, penalty or other sanction imposed by a Governmental Authority as a result of these Tax calculations; and

(c) your action, or failure to act, as a result of any directions or recommendations you receive related to the Stripe Tax Services.

6. Stripe Tax Data.

Stripe Tax Data is Stripe Data for purposes of this Agreement. You are responsible for retaining copies of Stripe Tax Data for the time period Law requires.

Last modified: March 26, 2024

1. Stripe Terminal Services.

These terms (“Stripe Terminal Terms”) supplement the General Terms and govern your use of the Stripe Terminal Services.

2. Stripe Terminal Software; Stripe Terminal Documentation.

2.1 Terminal Device Software.

Certain Stripe Terminal Products require the Terminal Device Software to be installed on them to function. By using the Stripe Terminal Products, you agree to be bound by the Terminal Device EULA, which governs your use of the Terminal Device Software.

2.2 Use of Terminal SDK.

If you access the Stripe Terminal Services using the Terminal SDK, then you must not, and must not enable or allow any third party to:

(a) use the Terminal SDK in any way other than for the purpose for which it was provided and in compliance with the Stripe Terminal Documentation and this Agreement;

(b) remove, obscure, modify or otherwise tamper with notices (including trademark, copyright and other proprietary notices) or legends contained in the Terminal SDK;

(c) use the Terminal SDK other than in conjunction with the Stripe Terminal Products and Stripe Terminal Services; or

(d) use the Terminal SDK in any way that would subject it, or any part of it, to license terms that seek to require any Stripe Terminal Product, Stripe Terminal Documentation, Service, or any Stripe IP Right to be licensed to (or shared with) any third party in source code form, with rights to make derivative works, or with rights to redistribute at no charge.

2.3 Updates to Terminal Device Software.

You must keep the Terminal Device Software up to date by installing Updates as the Terminal Device EULA requires.

2.4 Stripe Terminal Documentation.

References to Documentation in this Agreement will be read as references to Stripe Terminal Documentation, with respect to the Stripe Terminal Services, Stripe Terminal Software and Stripe Terminal Products.

3. Use of the Stripe Terminal Services.

3.1 General.

You may only use the Stripe Terminal Services in compliance with the Terminal Purchase Terms, if applicable, and this Agreement.

3.2 Payment Account Details.

You must, to the extent Law requires, obtain a Customer’s consent before you collect, use, retain or disclose the Customer’s Payment Account Details in connection with your use of the Stripe Terminal Services. Upon Stripe’s request, you must promptly provide evidence of those consents to Stripe.

3.3 Disclaimer for “Offline” Mode.

To the maximum extent permitted by Law, the Stripe Parties will not be liable to you or your Affiliates for losses, damages or costs arising out of or relating to the use of a Stripe Terminal Product with intermittent, limited or no internet connectivity (referred to as “offline” mode), including a failure to successfully complete a Transaction (for example, the Customer swipes a payment card while the Stripe Terminal Product is in “offline” mode, the Customer departs the place where the Stripe Terminal Product is located with his or her payment card, and afterward an error processing the attempted Transaction occurs, or the Transaction is declined for any reason, when the Stripe Terminal Product is taken out of “offline” mode).

4. Stripe Apps on Devices. (Beta)

4.1 Apps on Devices.

This Section 4 applies if you use Apps on Devices. By using Apps on Devices, you also agree to be bound by the Stripe Apps Developer Agreement.

4.2 License Grant.

Stripe grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use Apps on Devices to develop and use Stripe Apps on Stripe Terminal Products in connection with a point-of-sale solution.

4.3 Representation and Warranty.

You represent as of the Effective Date, and warrant at all times during the Term, that you have obtained all necessary consents, authorizations, licenses, and all other rights and permissions necessary to deploy and use Stripe Apps, and to allow Stripe to deploy, copy, use, and distribute Stripe Apps in connection with Apps on Devices.

4.4 Responsibility for Testing and Updates.

Stripe will not be responsible for (a) testing Stripe Apps for any purpose, including for interoperability with the Stripe Terminal Products on which they are deployed, or testing any firmware or other software applications or services running on the Stripe Terminal Products; or (b) any failure of the Stripe Terminal Services that results from the improper use of a Stripe App.
You are responsible for implementing all updates to Stripe Apps that are needed to ensure compatibility with the Stripe Terminal Services.

4.5 Monitoring and Compliance.

Stripe is not obligated to monitor your Stripe App or its content, but Stripe may at any time review or test your Stripe App for compliance with Law, this Agreement, the Stripe Apps Developer Agreement, or any other terms that apply to your relationship with Stripe. Stripe may require you to provide information about yourself (such as identification or contact details) as a part of your Stripe App’s submission to, and your continued use of, Apps on Devices. You represent as of the Effective Date, and warrant at all times during the Term, that all information you provide to Stripe will always be accurate, complete and up to date.

4.6 Privacy Obligations.

You are responsible for protecting the privacy and related legal rights of all end users of the App you deploy using Apps on Devices. You must inform end users of any Personal Data accessed by your Stripe App, provide a privacy policy which governs your usage of that Personal Data, and take all other actions necessary to comply with Law governing your use of Personal Data. If your application accesses Personal Data, you agree that you will securely transmit and store all Personal Data in transit and at rest. To the extent that your App processes Personal Data you provide to Stripe, you will do so only in accordance with your obligations under Section 8.2 of the Stripe Services Agreement.

4.7 Use Restrictions.

Notwithstanding anything to the contrary in this Agreement, if Stripe determines at its sole discretion that any portion of your Stripe App, or your use of Stripe Apps on the Stripe Terminal Products:

(a) violates the IP Rights or any other rights of a third party;

(b) violates Law or is subject to an injunction;

(c) is pornographic, obscene, malicious, offensive or otherwise violates this Agreement, the Stripe Apps Developer Agreement, or the Stripe Restricted Business List;

(d) is likely to cause liability for Stripe or any third party;

(e) impair the user experience of Stripe Apps on Devices or Stripe Apps; or

(f) is defective or improperly functioning such that it is: (i) not compatible with the Stripe Terminal Services; (ii) impacts end users’ use of the Stripe Terminal Services; or (iii) affects the integrity of Stripe’s servers,

then in addition to all other remedies available to Stripe, Stripe may take one or more of the following actions:

(a) reject, disable or suspend your Stripe App from being used; and

(b) request that you update, modify or remediate your Stripe App to rectify the affected component or usage of your Stripe App.

5. Stripe On-Reader Forms. (Beta)

5.1 On-Reader Forms.

This Section 5 applies if you use On-Reader Forms.

5.2 Content License.

Stripe may permit you to upload or publish Content via the Stripe Terminal Services or Terminal SDK, in connection with your use of On-Reader Forms. You grant Stripe a worldwide, limited-term, non-exclusive, and royalty-free license during the Term to use this Content to facilitate Stripe’s provision of On-Reader Forms.

5.3 Representation, Warranty, and Covenant.

You represent as of the Effective Date, and warrant at all times during the Term, that you have obtained all necessary rights and consents applicable to your use of Content in connection with On-Reader Forms and to grant Stripe the license under Section 5.2. During the Term, you will not use On-Reader Forms to collect or store (i) protected health information (as defined under the Health Insurance Portability and Accountability Act of 1996, as amended from time to time, and its implementing regulations), or (ii) Payment Account Details.

5.4 Responsibility for Contracts and Notices.

If you use On-Reader Forms to (a) enter into contracts with, or (b) provide notices to your Customers, you are fully responsible for ensuring the legal validity and enforceability of such contracts or notices. Stripe and its Affiliates are not liable to you or your Customers for any losses, damages, or costs arising out of or in relation to your use of On-Reader Forms.

Last modified: January 23, 2024

1. Stripe Terminal Services.

These terms (“Stripe Terminal Terms”) supplement the General Terms and govern your use of the Stripe Terminal Services.

2. Stripe Terminal Software; Stripe Terminal Documentation.

2.1 Terminal Device Software.

Certain Stripe Terminal Products require the Terminal Device Software to be installed on them to function. By using the Stripe Terminal Products, you agree to be bound by the Terminal Device EULA, which governs your use of the Terminal Device Software.

2.2 Use of Terminal SDK.

If you access the Stripe Terminal Services using the Terminal SDK, then you must not, and must not enable or allow any third party to:

(a) use the Terminal SDK in any way other than for the purpose for which it was provided and in compliance with the Stripe Terminal Documentation and this Agreement;

(b) remove, obscure, modify or otherwise tamper with notices (including trademark, copyright and other proprietary notices) or legends contained in the Terminal SDK;

(c) use the Terminal SDK other than in conjunction with the Stripe Terminal Products and Stripe Terminal Services; or

(d) use the Terminal SDK in any way that would subject it, or any part of it, to license terms that seek to require any Stripe Terminal Product, Stripe Terminal Documentation, Service, or any Stripe IP Right to be licensed to (or shared with) any third party in source code form, with rights to make derivative works, or with rights to redistribute at no charge.

2.3 Updates to Terminal Device Software.

You must keep the Terminal Device Software up to date by installing Updates as the Terminal Device EULA requires.

2.4 Updates to Stripe Terminal Software for Custom Accounts and Express Accounts.

This Section 2.4 applies if you have Custom Accounts or Express Accounts. Stripe, or the licensor of the Stripe Terminal Software, may from time to time make available Updates to the Stripe Terminal Software. An Update is mandatory unless Stripe designates it as optional or discretionary. Stripe will notify you of each mandatory Update that it does not push to your Custom Accounts and Express Accounts. Upon receipt of an Update notice from Stripe, you must immediately notify your Custom Accounts and Express Accounts that use the Stripe Terminal Services (a) of the Update; (b) whether the Update is mandatory, optional or discretionary; (c) if the Update is mandatory, the deadline for installing the Update; and (d) that they may not be able to continue using the Stripe Terminal Services if they do not install the mandatory Update by the deadline. You must ensure that your Custom Accounts and Express Accounts install each mandatory Update by the date or within the time period stated in the notice; or, if there is no date or period stated in the notice, then no later than 30 days after the date of Stripe’s notice.

2.5 Stripe Terminal Documentation.

References to Documentation in this Agreement will be read as references to Stripe Terminal Documentation, with respect to the Stripe Terminal Services, Stripe Terminal Software and Stripe Terminal Products.

3. Use of the Stripe Terminal Services.

3.1 General.

You may only use the Stripe Terminal Services in compliance with the Terminal Purchase Terms, if applicable, and this Agreement.

3.2 Payment Account Details.

You must, to the extent Law requires, obtain a Customer’s consent before you collect, use, retain or disclose the Customer’s Payment Account Details in connection with your use of the Stripe Terminal Services. Upon Stripe’s request, you must promptly provide evidence of those consents to Stripe.

3.3 Disclaimer for “Offline” Mode.

To the maximum extent permitted by Law, the Stripe Parties will not be liable to you, your Affiliates or your Connected Accounts for losses, damages or costs arising out of or relating to the use of a Stripe Terminal Product with intermittent, limited or no internet connectivity (referred to as “offline” mode), including a failure to successfully complete a Transaction (for example, the Customer swipes a payment card while the Stripe Terminal Product is in “offline” mode, the Customer departs the place where the Stripe Terminal Product is located with his or her payment card, and afterward an error processing the attempted Transaction occurs, or the Transaction is declined for any reason, when the Stripe Terminal Product is taken out of “offline” mode).

3.4 Tap to Pay on iPhone.

As part of the Stripe Terminal Services, Stripe may enable you to use Tap to Pay on iPhone (as described in the Documentation) to allow your Connected Accounts to accept Transactions on a compatible Apple product. Your use of Tap to Pay on iPhone is subject to, and you agree to comply with, and treat as confidential, these Apple Acceptance Platform User Terms and Conditions.

4. Termination.

These Stripe Terminal Terms automatically terminate if the Stripe Connect Terms terminate for any reason.

5. Stripe Apps on Devices (Beta)

5.1 Apps on Devices.

This Section 5 applies if you use Apps on Devices. By using Apps on Devices, you also agree to be bound by the Stripe Apps Developer Agreement.

5.2 License Grant.

Stripe grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use Apps on Devices to develop and use Stripe Apps on Stripe Terminal Products in connection with a point-of-sale solution.

5.3 Representation and Warranty.

You represent as of the Effective Date, and warrant at all times during the Term, that you have obtained all necessary consents, authorizations, licenses, and all other rights and permissions necessary to deploy and use Stripe Apps, and to allow Stripe to deploy, copy, use, and distribute Stripe Apps in connection with Apps on Devices.

5.4 Responsibility for Testing and Updates.

Stripe will not be responsible for (a) testing Stripe Apps for any purpose, including for interoperability with the Stripe Terminal Products on which they are deployed, or testing any firmware or other software applications or services running on the Stripe Terminal Products; or (b) any failure of the Stripe Terminal Services that results from the improper use of a Stripe App.
You are responsible for implementing all updates to Stripe Apps that are needed to ensure compatibility with the Stripe Terminal Services.

5.5 Monitoring and Compliance.

Stripe is not obligated to monitor your Stripe App or its content, but Stripe may at any time review or test your Stripe App for compliance with Law, this Agreement, the Stripe Apps Developer Agreement, or any other terms that apply to your relationship with Stripe. Stripe may require you to provide information about yourself (such as identification or contact details) as a part of your Stripe App’s submission to, and your continued use of, Apps on Devices. You represent as of the Effective Date, and warrant at all times during the Term, that all information you provide to Stripe will always be accurate, complete and up to date.

5.6 Privacy Obligations.

You are responsible for protecting the privacy and related legal rights of all end users of the App you deploy using Apps on Devices. You must inform end users of any Personal Data accessed by your Stripe App, provide a privacy policy which governs your usage of that Personal Data, and take all other actions necessary to comply with Law governing your use of Personal Data. If your application accesses Personal Data, you agree that you will securely transmit and store all Personal Data in transit and at rest. To the extent that your App processes Personal Data you provide to Stripe, you will do so only in accordance with your obligations under Section 8.2 of the Stripe Services Agreement.

5.7 Use Restrictions.

Notwithstanding anything to the contrary in this Agreement, if Stripe determines at its sole discretion that any portion of your Stripe App, or your use of Stripe Apps on the Stripe Terminal Products:

(a) violates the IP Rights or any other rights of a third party;

(b) violates Law or is subject to an injunction;

(c) is pornographic, obscene, malicious, offensive or otherwise violates this Agreement, the Stripe Apps Developer Agreement, or the Stripe Restricted Business List;

(d) is likely to cause liability for Stripe or any third party;

(e) impair the user experience of Stripe Apps on Devices or Stripe Apps; or

(f) is defective or improperly functioning such that it is: (i) not compatible with the Stripe Terminal Services; (ii) impacts end users’ use of the Stripe Terminal Services; or (iii) affects the integrity of Stripe’s servers,

then in addition to all other remedies available to Stripe, Stripe may take one or more of the following actions:

(a) reject, disable or suspend your Stripe App from being used; and

(b) request that you update, modify or remediate your Stripe App to rectify the affected component or usage of your Stripe App.