Compare privacy rights governance provisions between Stripe and PayPal. Provisions are extracted from monitored governance documents and classified by severity.
When Stripe acts as a processor on behalf of a Business User, your privacy rights requests may need to go to the merchant, not Stripe. This can make exercising rights more complex for consumers who interact with Stripe only through third-party checkouts.
Consumer impact
Consumers who have paid through a Stripe-powered merchant checkout may find that their access, deletion, or correction requests must be directed to the merchant rather than to Stripe, because Stripe processes that data as a service provider on the merchant's behalf rather than as a data controller in its own right.
Opt-out available
No opt-out available
Actual clause text
Depending on the activity, Stripe assumes the role of a "data controller" and/or "data processor" (or "service provider"). For more details about our privacy practices, including our role, the specific Stripe entity responsible under this Policy, and our legal bases for processing your Personal Data, please visit our Privacy Center.
AI-extracted from source document. Verify against original for legal use.
This provision discloses that personal information, including financial and transaction data, is used to train AI models, and that automated decision-making is applied to fraud and risk assessments that may have consequences for account access and service availability.
Consumer impact
Under this provision, PayPal may use your transaction history, financial data, and other personal information as training data for AI models; automated decisions based on this AI may affect your account status, product eligibility, and fraud risk classification, with objection rights available primarily to EU and UK users under GDPR.
Opt-out available
No opt-out available
Actual clause text
AI and Automated Decision Making. We may use Personal Information to train our artificial intelligence (AI) models that power our Services and help us deliver more secure, efficient, and personalized services. PayPal also uses Automated Decision Making to provide our products and Services, conduct risk analysis, fraud prevention and risk management to protect our customers and business, including to prevent fraud against our Partners and Merchants and strategic ventures.
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.