Stripe Consumer Debit Card Terms

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Last updated: August 3, 2026

1. Introduction and Scope

These Stripe Consumer Debit Card Terms of Service (these "Consumer Debit 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 ("you" or "your"). These Consumer Debit Card Terms govern your use of the consumer debit card ("Card") related services Stripe offers for your personal use as further described in Section 6 below (the "Consumer Debit Cardholder Services").

Stripe works with one or more banks (each, an "Issuing Bank") to provide the Consumer Debit Cardholder Services. In connection with your use of the Consumer Debit Cardholder Services, the Issuing Bank directly issues your Card. You may access the Consumer Debit Cardholder Services through a third-party platform (the "Platform Provider"). These Consumer Debit Card Terms govern your relationship with Stripe only.

Your Card is a consumer debit card. It is not a credit card or a gift card, and it does not provide any overdraft, line of credit, or other credit feature. Your ability to use the Card is limited to the amount of funds available to your Card. Your Card is governed by the Issuing Bank Terms (defined below), which contain important information about your rights and obligations, including applicable fees, transaction limits, error resolution procedures, and liability protections for unauthorized transactions.

To receive a Card via a Platform Provider, you must first agree to the Issuing Bank's cardholder terms (the "Issuing Bank Terms"). Your continued use of that Card is subject to (a) those Issuing Bank Terms, (b) these Consumer Debit Card Terms, and (c) any agreement between you and the Platform Provider regarding your use of the Platform Provider's services. The Issuing Bank Terms govern the terms and conditions of your Card, including accessing and using funds, fees, error resolution, unauthorized transaction protections, and other Card-related matters. In the event of a conflict between these Consumer Debit Card Terms and the Issuing Bank Terms regarding your Card, your rights under applicable federal or state law, or your rights to error resolution or protections for unauthorized transactions, the Issuing Bank Terms will control.

If your agreement with the Issuing Bank or the Platform Provider terminates, Stripe may restrict or terminate your access to the Consumer Debit Cardholder Services.

2. Agreement to Terms

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

These Consumer Debit 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 Debit Card Terms carefully to ensure that you understand each provision.