Last updated: October 3, 2025
These Pathward N.A. Acquirer Terms (“Member Bank Terms”) are additional terms applicable to the Stripe Payments Services for Visa and Mastercard products for which Pathward N.A. (“Member Bank”) participates as the 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 you are registered with a Network by Member Bank pursuant to applicable Network Rules, you are considered “Network Registered.” Any terms used but not defined in these Member Bank Terms will have the meaning provided in the Stripe Services Agreement (“Agreement”) which is incorporated herein by reference.
These Member Bank Terms constitute a legal agreement among you, Stripe, and Member Bank, a federally-chartered financial institution, with offices at 5501 S. Broadband Lane, Sioux Falls, SD 57108. This legal agreement is formed by Member Bank’s and Stripe’s offer of these Member Bank Terms to you, your acceptance of these Member Bank Terms, and Member Bank’s and Stripe’s subsequent provision of VM Payment Processing Services to you.
These Member Bank Terms are offered to you, and the legal agreement established by these Member Bank Terms becomes effective as provided below.
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For all users of the VM Payment Processing Services, except Network Registered users: These Member Bank Terms become effective upon the date you process more than the applicable Transaction volume threshold amount established or approved by any Network within any twelve-month period (the “Network Established Threshold”) through Member Bank. Importantly, the Network Established 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 you. Until you process more than the Network Established Threshold through Member Bank, these Member Bank Terms are not effective, and you do not have a direct legal agreement with Member Bank with respect to the VM Payment Processing Services.
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For Network Registered users of the VM Payment Processing Services: These Member Bank Terms become effective when you process your first Transaction on a Network through Member Bank.
Once effective, these Member Bank Terms will continue to apply to you until the date on which these Member Bank Terms are terminated in accordance with Section 6. below.
You understand and agree that Stripe or Member Bank may enforce any provisions of the Agreement that relate to Stripe’s or Member Bank’s provision of or your use of the VM Payment Processing Services, and you acknowledge that you are directly responsible to Member Bank under the Agreement and these Member Bank Terms for any liability to Member Bank caused by your breach of the Agreement or these Member Bank Terms. Stripe or Member Bank may also terminate these Member Bank Terms at any time, which may limit or terminate your 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 the VM Payment Processing Services for its products.
You must accept all of the terms and conditions of these Member Bank Terms to use the VM Payment Processing Services. If you do not accept them, you may not receive the VM Payment Processing Services.