If Stripe closes or you close your Stripe account, Stripe can hold all of your money for up to 120 days before releasing it to you, minus anything Stripe says you owe.
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 clause establishes a procedural mechanism for Stripe to maintain liquidity reserves during a post-termination period when payment disputes or reversals may still be processed. The hold period creates a defined timeline for settlement of contingent liabilities before final fund disbursement.
Merchants who switch processors or whose accounts are terminated by Stripe may wait up to four months to receive funds already earned, creating compounding cash flow hardship on top of the disruption of losing their payment processor. The amount released may be reduced by any fees or chargebacks Stripe assesses during this period.
How other platforms handle this
Consensys reserves the right to change, suspend, or discontinue any aspect of the Services at any time, including hours of operation or availability of the Service or any feature, without notice and without liability.
We may update these terms and conditions at any time by giving you 30 days' notice. If you do not agree to the changes, you can close your account before the changes take effect. If you do not close your account, we will take this to mean that you accept the changes.
Twilio reserves the right to modify the terms of this Agreement at any time. Twilio will provide at least 30 days' notice of changes that materially alter your rights or obligations. Your continued use of the Services after any modification constitutes your acceptance of the updated Agreement.
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"After termination of your Stripe account, Stripe may continue to hold funds for up to 120 days following such termination to cover potential chargebacks, refunds, reversals, fees, fines, penalties, or other amounts that may become due. Stripe will release any remaining funds after the expiration of this period, less any amounts owed to Stripe.— Excerpt from Stripe's Stripe Terms of Service
REGULATORY FRAMEWORK: Post-termination fund holds implicate state escheatment laws (e.g., California Code of Civil Procedure § 1513, Uniform Unclaimed Property Act) if funds are held beyond statutory periods without release. PSD2 (Directive 2015/2366/EU) Article 36 and UK Payment Services Regulations 2017 (SI 2017/752) Regulation 65 impose maximum withholding periods that may conflict with a 120-day hold for EU/UK merchants. FinCEN guidance on money services businesses (FIN-2012-G002) and state money transmission regulations may impose maximum hold requirements.
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This clause establishes a procedural mechanism for Stripe to maintain liquidity reserves during a post-termination period when payment disputes or reversals may still be processed. The hold period creates a defined timeline for settlement of contingent liabilities before final fund disbursement.
Merchants who switch processors or whose accounts are terminated by Stripe may wait up to four months to receive funds already earned, creating compounding cash flow hardship on top of the disruption of losing their payment processor. The amount released may be reduced by any fees or chargebacks Stripe assesses during this period.
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