If Stripe's services fail or cause problems for your business, Stripe's legal liability is limited, and Stripe is not responsible for indirect losses like lost profits, lost revenue, or lost business opportunities regardless of the circumstances.
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 terms exclude Stripe's liability for indirect and consequential damages, including lost profits and lost business opportunities, which means businesses that suffer revenue losses due to Stripe service failures or account actions may have limited ability to recover those losses through legal claims against Stripe.
Interpretive note: Enforceability of consequential damages exclusions varies by jurisdiction; applicable state law or EU/UK mandatory law may limit the scope of this exclusion in specific contexts.
Removed the specific monetary cap on liability (3-month fees or $500) and added explicit reference to 'business opportunity' as non-recoverable, significantly limiting user recourse.
View full change record →This provision limits the categories of damages that a business can claim against Stripe in the event of service failures, wrongful account termination, or other issues arising from the agreement, specifically excluding lost profits, lost revenue, and similar indirect losses.
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"In no event will Stripe, its affiliates, or their respective directors, officers, employees, agents, or suppliers be liable to you for any indirect, punitive, incidental, special, or consequential damages arising out of or related to this agreement, including loss of profits, loss of revenue, loss of business opportunity, loss of goodwill, and loss of data. The limitations of liability in this section apply regardless of the form of action and regardless of whether the liability is based on warranty, contract, tort (including negligence), strict liability, or any other legal or equitable theory, and even if Stripe has been advised of the possibility of such damages.— Excerpt from Stripe's Stripe Terms of Service
REGULATORY LANDSCAPE: Consequential damages exclusions are a standard feature of commercial agreements in the payment processing industry. Their enforceability varies by jurisdiction: certain US states limit the enforceability of consequential damages waivers in specific contexts, and EU consumer protection law may limit such exclusions in agreements with consumers (though the SSA primarily targets business Users). The FTC's unfair practices authority is relevant if liability limitations are applied in ways that are deceptive or that leave businesses without meaningful recourse for Stripe's own misconduct. GOVERNANCE EXPOSURE: Medium. The exclusion of indirect damages is standard in commercial payment processing agreements, but the breadth of the exclusion, covering loss of profits, revenue, business opportunity, and goodwill, combined with Stripe's broad account suspension and termination authority, means that businesses harmed by Stripe's account actions may face significant practical barriers to recovery. The exclusion applies 'regardless of the form of action' and even where Stripe has been 'advised of the possibility of such damages.' JURISDICTION FLAGS: EU and UK jurisdictions generally permit consequential damages exclusions in B2B agreements but may impose limits where the exclusion would be unreasonable under applicable law. California courts have in some cases scrutinized broad liability exclusions in commercial contracts. The enforceability of this clause for businesses in jurisdictions with strong mandatory liability frameworks should be evaluated under local law. CONTRACT AND VENDOR IMPLICATIONS: Businesses should assess their risk exposure from Stripe service interruptions or account actions against the backdrop of this limitation and consider whether business interruption insurance or contractual risk allocation with downstream partners is appropriate. The limitation applies to Stripe's affiliates and personnel as well as Stripe itself, which is relevant for complex multi-entity transaction structures. COMPLIANCE CONSIDERATIONS: Legal teams reviewing the SSA for vendor risk purposes should document the limitation of liability scope and assess whether it is acceptable given the business's revenue dependence on Stripe. Where applicable law may limit the enforceability of the exclusion, legal teams should evaluate whether alternative dispute resolution mechanisms or regulatory complaint channels provide meaningful recourse.
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The terms exclude Stripe's liability for indirect and consequential damages, including lost profits and lost business opportunities, which means businesses that suffer revenue losses due to Stripe service failures or account actions may have limited ability to recover those losses through legal claims against Stripe.
This provision limits the categories of damages that a business can claim against Stripe in the event of service failures, wrongful account termination, or other issues arising from the agreement, specifically excluding lost profits, lost revenue, and similar indirect losses.
ConductAtlas has identified this type of provision across 265 platforms. See the full comparison.
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