All legal disputes with Stripe must go through private arbitration — not court. You cannot sue Stripe in a class action lawsuit, and you give up your right to a jury trial.
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
This provision establishes the procedural framework for dispute resolution by substituting arbitration for court litigation and establishing California as the governing jurisdiction. The waiver of jury trial and class action participation alters the structure through which users can seek remedies for claimed breaches or harms.
Merchants who have legal disputes with Stripe — including over wrongful fund holds, wrongful account terminations, or fee overcharges — must pursue those claims through binding arbitration individually, without the ability to join with other affected merchants in a class action. This effectively makes small-dollar claims economically unviable to pursue.
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"This Agreement is governed by the laws of the State of California, without regard to its conflict of law provisions. Any dispute, claim, or controversy arising out of or relating to this Agreement or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. You agree to waive any right to a jury trial and any right to bring claims on a class action basis.— Excerpt from Stripe's Stripe Terms of Service
REGULATORY FRAMEWORK: Mandatory arbitration clauses in commercial agreements are governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and reviewed for unconscionability under California law (Armendariz v. Foundation Health Psychcare Services, Inc., 24 Cal. 4th 83 (2000)). Class action waivers in arbitration agreements have been upheld by the U.S. Supreme Court (AT&T Mobility LLC v. Concepcion, 563 U.S. 333 (2011)) and in the commercial context (Epic Systems Corp. v. Lewis, 584 U.S. 497 (2018)). CFPB's Arbitration Rule (2017) that would have prohibited class action waivers in financial services was repealed by Congress under the Congressional Review Act.
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This provision establishes the procedural framework for dispute resolution by substituting arbitration for court litigation and establishing California as the governing jurisdiction. The waiver of jury trial and class action participation alters the structure through which users can seek remedies for claimed breaches or harms.
Merchants who have legal disputes with Stripe — including over wrongful fund holds, wrongful account terminations, or fee overcharges — must pursue those claims through binding arbitration individually, without the ability to join with other affected merchants in a class action. This effectively makes small-dollar claims economically unviable to pursue.
ConductAtlas has identified this type of provision across 37 platforms. See the full comparison.
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