Compare liability limitation governance provisions between Stripe and PayPal. Provisions are extracted from monitored governance documents and classified by severity.
The terms exclude Stripe's liability for indirect and consequential damages, including lost profits and lost business opportunities, which means businesses that suffer revenue losses due to Stripe service failures or account actions may have limited ability to recover those losses through legal claims against Stripe.
Consumer impact
This provision limits the categories of damages that a business can claim against Stripe in the event of service failures, wrongful account termination, or other issues arising from the agreement, specifically excluding lost profits, lost revenue, and similar indirect losses.
Opt-out available
No opt-out available
Actual clause text
In no event will Stripe, its affiliates, or their respective directors, officers, employees, agents, or suppliers be liable to you for any indirect, punitive, incidental, special, or consequential damages arising out of or related to this agreement, including loss of profits, loss of revenue, loss of business opportunity, loss of goodwill, and loss of data. The limitations of liability in this section apply regardless of the form of action and regardless of whether the liability is based on warranty, contract, tort (including negligence), strict liability, or any other legal or equitable theory, and even if Stripe has been advised of the possibility of such damages.
AI-extracted from source document. Verify against original for legal use.
The exclusion list defines the operational scope of PayPal's Purchase Protection coverage by specifying which transaction types fall outside program eligibility. This establishes a boundary between protected and unprotected transaction categories within the payment ecosystem.
Consumer impact
Users engaging in transactions involving the listed items or transaction types operate without access to PayPal's Purchase Protection program mechanisms. The terms apply as written, meaning transactions in these categories are not eligible for protection claims or dispute resolution through the program.
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, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards. Businesses (when you buy or invest in a business). Industrial machinery used in manufacturing. Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards. Payments made in respect of gold (whether in physical form or exchange-traded form). Financial products or investments of any kind. Non-fungible tokens (NFTs). Gambling, gaming, and/or any other activities with an entry fee and a prize. Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms. 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.
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.