Consumers have no visibility into or control over their inclusion in Stripe's cross-merchant fraud scoring system, which can result in declined transactions or account restrictions based on activity at entirely separate businesses.
Stripe collects extensive personal data — including device identifiers, IP addresses, browsing behavior, and inferred fraud risk scores — not only from direct Stripe users but also from individuals who simply complete a payment on any merchant site powered by Stripe, without ever creating a Stripe account. This data is shared with a broad ecosystem of Financial Partners, affiliates, and service providers for fraud prevention, compliance, and business improvement purposes, meaning your payment behavior may be profiled and shared across the financial system without your explicit awareness. You can exercise your rights to access, correct, delete, or restrict your data by visiting stripe.com/privacy-center or emailing privacy@stripe.com.