Stripe Consumer Credit Card Terms

Last updated: March 10, 2026

1. Introduction and Scope

These Stripe Credit Card Terms of Service (these “Consumer Credit Card Terms”) form a legal agreement between Stripe, LLC (“Stripe”) and you, the individual who uses one or more of the products and services Stripe offers for personal use under these Consumer Credit Card Terms (“you” or “your”). These Consumer Credit Card Terms govern your use of the credit card related services Stripe offers for your personal use (the “Consumer Credit Cardholder Services”).

Stripe works with one or more banks (each, an “Issuing Bank”) to provide the Consumer Credit Cardholder Services. In connection with your use of the Consumer Credit Cardholder Services, the Issuing Bank directly issues your credit card.

You may access the Consumer Credit Cardholder Services through a third-party platform (the “Platform Provider”). These Consumer Credit Card Terms govern your relationship with Stripe only.

To receive a credit card via a Platform Provider, you must first agree to the Issuing Bank’s card accountholder terms (the “Issuing Bank Terms”). Your continued use of that credit card is subject to (a) those Issuing Bank Terms, (b) these Consumer Credit Card Terms, and (c) any agreement between you and the Platform Provider regarding your use of the Platform Provider’s services. If your agreement with the Issuing Bank or the Platform Provider terminates, Stripe may restrict or terminate your access to the Consumer Credit Cardholder Services.

2. Agreement to Terms

By applying for or using the Consumer Card Cardholder Services, you agree to these Consumer Credit Card Terms and acknowledge that you have read and understand the Stripe Privacy Policy. You may only use the Consumer Credit Cardholder Services if you agree to these Consumer Credit Card Terms. If you do not agree to these Consumer Credit Card Terms, you must not apply for or use the Consumer Credit Cardholder Services in any manner for any purpose.

These Consumer Credit Card Terms incorporate by reference the terms of the Arbitration Agreement, requiring you to resolve disputes between you and Stripe through binding individual arbitration. This includes a waiver of your right to a jury trial, prohibits you from participating in a class action lawsuit, and limits the time in which you may bring a claim against Stripe. Please read these Consumer Credit Card Terms carefully to ensure that you understand each provision.

3. Eligibility

To use the Consumer Credit Cardholder Services, you must:

• be at least 18 years old and reside in the United States;

• have the legal capacity to enter into a binding contract;

• not be the subject or target of any government sanctions, including those applied by the U.S. Office of Foreign Assets Control, or any other governmental entity; and

• not use the Consumer Credit Cardholder Services for any purpose other than personal, family, or household used;

You may not use the Consumer Credit Cardholder Services if Stripe has previously suspended or terminated your Stripe account, your access to any Stripe product or service, or any agreement between you and Stripe.

4. Additional Terms That Apply to You

The following terms are incorporated by reference into these Consumer Credit Card Terms and apply to your use of the Consumer Credit Cardholder Services:

• Arbitration Agreement. By applying for or using the Consumer Credit Cardholder Services, you agree to resolve all disputes with Stripe through binding individual arbitration in accordance with the terms of the Arbitration Agreement, which includes a waiver of your right to a jury trial and prohibits you from participating in any class, collective, or representative action. You further agree that you must bring any claim against Stripe within one year after the cause of action arises, or that claim will be barred.