Compare acceptable use restrictions governance provisions between Stripe and PayPal. Provisions are extracted from monitored governance documents and classified by severity.
The provision establishes that acceptable use standards are defined by external, updatable documents rather than within the agreement itself, and grants Stripe unilateral authority to interpret and enforce compliance determinations. This structure allows Stripe to modify operational restrictions without amending the primary terms.
Consumer impact
Users must adhere to policies defined in referenced documents that Stripe controls and can modify unilaterally. The provision requires acceptance of policy updates through continued use of the Services, meaning users cannot retain service access under previously-stated policy terms if updates occur.
Opt-out available
No opt-out available
Actual clause text
You may not use the Services to engage in activities that Stripe deems, in its sole discretion, to be harmful to Stripe, its financial partners, or third parties. You agree to comply with Stripe's Acceptable Use Policy (available at stripe.com/legal/aup) and the list of Prohibited and Restricted Businesses (available at stripe.com/restricted-businesses), each of which are incorporated by reference into this Agreement. Stripe may update these policies from time to time, and your continued use of the Services constitutes your acceptance of any such updates.
AI-extracted from source document. Verify against original for legal use.
The exclusion list defines the scope boundaries of PayPal's purchase protection offering by specifying transaction categories for which the protection mechanism does not apply. This establishes the operational parameters under which Purchase Protection claims may or may not be processed.
Consumer impact
Users engaging in excluded transaction categories operate without access to Purchase Protection program coverage under these terms. Transactions falling within the listed exclusions are not eligible for buyer or seller protection claims, regardless of other terms or circumstances.
Opt-out available
No opt-out available
Actual clause text
The following items or transactions are not eligible for PayPal's Purchase Protection program: Real estate, including residential property. Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft, and boats... Non-fungible tokens (NFTs)... Financial products or investments of any kind... Personal Payments including payments sent using PayPal's friends and family functionality... Items intended for resale, including single item transactions or transactions that include multiple items.
AI-extracted from source document. Verify against original for legal use.
PayPal reorganized the table of contents in its Privacy Statement on May 14, 2026. The statement pr…
AI Difference AnalysisProfessional
Stripe's arbitration clause is narrower than Amazon's in one key respect: it includes a small claims court carve-out that Amazon's clause does not. PayPal's clause is the most aggressive of the three, explicitly waiving jury trial rights in addition to class action rights. From a compliance perspective, Amazon presents the lowest risk for B2B contracts while PayPal creates the highest exposure for consumer-facing applications subject to CFPB oversight.