Stripe collects a broad range of personal information including identifiers, financial data, device information, and behavioral data from anyone who interacts with its services, including people who have never signed up for a Stripe account.
This analysis describes what Stripe's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The policy's collection scope covers individuals who interact with Stripe only indirectly through merchant checkouts, meaning many consumers may not be aware that Stripe is collecting their device and behavioral data during purchases.
Interpretive note: The full enumeration of data categories collected is referenced to the Privacy Center rather than fully stated in the policy text provided, creating some uncertainty about the complete scope of collection.
Provides explicit definition of Personal Data scope including technical identifiers, establishing broader potential data collection.
View full change record →The policy authorizes collection of identifiers, payment card and bank account information, transaction history, device identifiers, IP addresses, browsing behavior on Stripe-hosted pages, and inferred data from any individual who uses a Stripe-powered service, including third-party merchant checkouts.
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Stripe has changed this document before.
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""Personal Data" refers to any information associated with an identified or identifiable individual, which can include data that you provide to us, and that we collect about you during your interaction with our Services (such as device information, IP address, etc.).— Excerpt from Stripe's Stripe Privacy Policy
(1) REGULATORY LANDSCAPE: The breadth of data collection engages GDPR's data minimization principle (Article 5(1)(c)), CCPA's disclosure requirements, and applicable financial data protection rules including GLBA for US financial data. The FTC Act's unfair or deceptive practices prohibition also applies to data collection representations. The Irish DPC and CFPB are relevant authorities for financial and consumer data. (2) GOVERNANCE EXPOSURE: Medium. The collection of device identifiers and behavioral data from End Customers who have no direct relationship with Stripe may raise questions about adequacy of notice and consent, particularly under GDPR and CCPA. Inferred data and profiling disclosures also engage GDPR's profiling provisions. (3) JURISDICTION FLAGS: EU/EEA users benefit from GDPR rights including access to inferred data and the right to object to profiling. California residents have CCPA rights to know what categories of personal information are collected. Illinois and other state privacy laws may also apply depending on data categories collected. (4) CONTRACT AND VENDOR IMPLICATIONS: Business Users integrating Stripe into their checkout flows should ensure their privacy notices disclose Stripe's data collection on their pages, as failure to do so may create liability for the Business User under applicable consumer protection and privacy laws. (5) COMPLIANCE CONSIDERATIONS: Compliance teams should review whether Stripe's data collection practices on merchant-hosted or Stripe-hosted checkout pages are accurately reflected in the merchant's own privacy notice, and whether appropriate consent mechanisms are in place for behavioral and inferred data collection in EU/EEA contexts.
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The policy's collection scope covers individuals who interact with Stripe only indirectly through merchant checkouts, meaning many consumers may not be aware that Stripe is collecting their device and behavioral data during purchases.
The policy authorizes collection of identifiers, payment card and bank account information, transaction history, device identifiers, IP addresses, browsing behavior on Stripe-hosted pages, and inferred data from any individual who uses a Stripe-powered service, including third-party merchant checkouts.
ConductAtlas has identified this type of provision across 17 platforms. See the full comparison.
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