Stripe Payments Company Terms

Last updated: November 18, 2025

These Stripe Payments Company Terms (“SPC Terms”) form a legal agreement between Stripe Payments Company (“SPC”) and the entity or sole proprietor on whose behalf a Stripe account is created (“User”). SPC is a U.S. state-licensed money transmitter and federally registered money services business. These SPC Terms are effective upon the date User first accesses or uses the SPC Services and continues until these SPC Terms terminate.

Certain Services may involve regulated money transmission under U.S. Law. To the extent User’s use of the Services involves money transmission or other regulated services under U.S. Law, those services are the “SPC Services” and are provided to User by SPC, not by Stripe or any other Stripe Affiliate, unless applicable Service Terms specify otherwise. These SPC Terms state the terms and conditions that apply to User’s use of the SPC Services.

1. Relationship to Stripe Services Agreement.

In addition to these SPC Terms, User must also have a Stripe Services Agreement in place with Stripe for technology services that enable instructions to be relayed to SPC. SPC will not charge User fees for the provision of the SPC Services; fees payable for the Services (including technology services related to the SPC Services) will be determined under the Stripe Services Agreement.

1.1 Terms that Apply to User.

User expressly agree to the terms and conditions of these SPC Terms, the Stripe Services Agreement, and any updates or modifications to either of those documents made from time to time by SPC or Stripe. Undefined capitalized terms used in these SPC Terms have the meanings given to them in the Stripe Services Agreement. User represents as of the Effective Date, and warrants at all times during the Term, that all of the information that User provides to SPC directly or through User’s use of the Services is accurate and complete, and that User is authorized to agree to these SPC Terms.

1.2 Incorporation of Stripe Services Agreement.

These SPC Terms are Financial Provider Terms under the Stripe Services Agreement. These SPC Terms incorporate by this reference the terms of the Stripe Services Agreement, including the terms incorporated within the Stripe Services Agreement; except, for purposes of the SPC Services, each reference to "Stripe" in the Stripe Services Agreement will be read as a reference to SPC, each reference to “Agreement” in the Stripe Services Agreement will be read to include these SPC Terms, and the incorporated terms will be limited to the SPC Services. All other parts of the Services will remain governed by the Stripe Services Agreement between User and Stripe.

1.3 Inconsistency.

To the extent there is a conflict between the Stripe Services Agreement and these SPC Terms, these SPC Terms will prevail with respect to the SPC Services. In addition, to the extent there is a conflict between applicable Service Terms and these SPC Terms with respect to the SPC Services, the applicable Service Terms will prevail.

2. The SPC Services.

2.1 Ability to Instruct SPC.

By using the Stripe API or User’s Stripe Dashboard, User may use the Services to send instructions to SPC to add funds to and redeem funds from accounts that User maintain with SPC and to transfer funds to third parties or to User.

2.2 Adding funds.

(a) Methods of Adding Funds. User may add funds to accounts User maintains with SPC from User Bank Accounts or accounts User maintains with SPC or its Affiliate through one or more methods. Depending on the Services available to User, these methods may include bank transfers, payment cards, transfers from other accounts User maintains with Stripe or its Affiliate, or other methods Stripe may make available. User may pass information to SPC and its Affiliates for purposes of adding funds to accounts that User maintains with SPC, including bank account information, payment card numbers, cardholder names, or other applicable information. When User provides this information, User represents as of the date User provides it, and warrants at all times during the Term, that the information is correct and that User is authorized to access and transmit those funds. User authorizes SPC and its Affiliates to use this information to initiate debits to User’s User Bank Accounts or accounts User maintains with SPC or its Affiliate.