You may not receive direct advance notice before fee increases or material terms changes take effect, and continuing to use Stripe after changes go live is deemed acceptance — meaning your cost of payment processing can change without your affirmative agreement.
Businesses using Stripe may have their payouts withheld or placed in reserve for up to 180 days based on Stripe's unilateral risk assessment, potentially disrupting cash flow with limited recourse. Stripe can terminate or suspend accounts immediately, cutting off access to payment processing and potentially funds held in reserve. You can review and negotiate reserve terms before signing, and should maintain alternative payment processing arrangements as a contingency.