Stripe Terms of Service

The Stripe Services Agreement (SSA) General Terms governs the contractual relationship between Stripe, Inc. and businesses or individuals (collectively 'Users') who register to access Stripe's payment processing, financial, and related technology services, with the agreement stating that continued use of Stripe services constitutes acceptance of these terms. The agreement states that Users must maintain accurate account information, comply with applicable laws, and are liable for all activity occurring under their accounts; the terms authorize Stripe to withhold or delay payouts, impose reserves on funds, suspend or terminate accounts, and collect fees including processing charges and dispute-related fees without advance notice in certain circumstances. Notably, the agreement asserts broad rights to set and adjust reserve amounts at Stripe's discretion, deduct amounts owed from User payouts without further authorization, and close or restrict accounts based on risk assessments, provisions that are operationally significant for businesses dependent on Stripe for revenue flow, though applicable law in various jurisdictions may constrain how these discretionary powers are exercised in practice. The agreement engages the Electronic Fund Transfer Act, Bank Secrecy Act, anti-money laundering requirements, Payment Card Industry Data Security Standards (PCI-DSS), and state money transmission licensing frameworks in the US context, as well as GDPR and related data protection regimes for EU/EEA Users; compliance obligations are jurisdiction-dependent and Users operating across multiple regions should evaluate which country-specific Stripe entity governs their relationship. Material compliance considerations include the agreement's incorporation by reference of numerous supplemental terms, policies, and third-party network rules (such as card network rules from Visa and Mastercard) that Users are deemed to accept, creating a layered obligation structure that requires ongoing monitoring.