Cross River Bank Acquirer Terms

Last updated: November 18, 2025

These Cross River Bank Acquirer Terms (“Member Bank Terms”) supplement the Stripe Services Agreement (including the General Terms, the Stripe Financial Services, Terms and the Stripe Payments Terms) (together, the “Agreement”)_and are additional terms applicable to the Stripe Payments Services for Visa and Mastercard products for which Cross River Bank (“Member Bank”) is a Payment Method Acquirer (“VM Payment Processing Services”). In these Member Bank Terms, Visa and Mastercard may be referred to individually as a “Network” and collectively as the “Networks”, and the rules issued by a Network are the “Network Rules.” Additionally, for purposes of these Member Bank Terms, if User is registered with a Network pursuant to applicable Network Rules, User is considered “Network Registered.” Any terms used but not defined in these Member Bank Terms will have the meaning provided in the Agreement.

These Member Bank Terms constitute a legal agreement among User, Stripe, and Member Bank, a New Jersey-chartered bank, with offices at 2115 Linwood Avenue, Fort Lee, NJ 07024. The legal agreement is formed by Member Bank’s and Stripe’s offer of these Member Bank Terms to User, User’s acceptance of these Member Bank Terms, and Member Bank’s and Stripe’s subsequent provision of VM Payment Processing Services to User.

These Member Bank Terms are offered to User, and the legal agreement established by these Member Bank Terms becomes effective as provided below.

• For all users of the VM Payment Processing Services, except Network Registered users: These Member Bank Terms become effective only when User processes more than $1 million in Transactions on a Network within any twelve-month period. Importantly, the $1 million threshold for effectiveness of these Member Bank Terms is set by each Network, and either Network may change its threshold for effectiveness of these Member Bank Terms at any time with no notice to User. Until User processes more than $1 million in Transactions on a Network (or such other processing thresholds as may be established by either Network), these Member Bank Terms are not effective, and User does not have a direct legal agreement with Member Bank with respect to the VM Payment Processing Services.

• For Network Registered users of the VM Payment Processing Services: These Member Bank Terms become effective when User processes User’s first Transaction on a Network.

User understands and agrees that Stripe or Member Bank may enforce any provisions of the Agreement that relate to Stripe or Member Bank’s provision of or User’s use of the VM Payment Processing Services, and User acknowledges that User is directly responsible to Member Bank under the Agreement for any liability to Member Bank caused by User’s breach of the Agreement. Stripe or Member Bank may also terminate these Member Bank Terms at any time, which may limit or terminate User’s ability to use the VM Payment Processing Services. Further, either Network may, at any time for any reason, terminate these Member Bank Terms with respect to Payment Processing Services for its products.

User must accept all of the terms and conditions of these Member Bank Terms to use the VM Payment Processing Services. If User does not accept them, User may not receive VM Payment Processing Services.

1. Network Compliance and Disclosure

a. Important Member Bank Disclosures: Member Bank discloses that (i) it is the only entity approved to extend acceptance of Visa and Mastercard products directly to User under these Member Bank Terms; (ii) it must be a principal party to these Member Bank Terms; (iii) it is responsible for educating User on the Network Rules with which User must comply, but this information may be provided to User by Stripe; and (iv) subject to Section 4 of these Member Bank Terms, with respect to Transactions processed through the VM Payment Processing Services, it is responsible for and must provide the Settlement Funds (as defined below) that it receives to Stripe (or Stripe’s designated financial services provider) for Stripe’s distribution to User; and (v) with respect to Transactions processed through the VM Payment Processing Services, Stripe is responsible for all funds that may be held in reserve that are derived from User’s Settlement Funds.