Stripe Consumer Prepaid Card Terms

Last updated: July 1, 2026

1. Introduction and Scope

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

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

Your Card is a consumer prepaid 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 available balance in your Consumer Financial Account. The terms for participating in the Consumer Financial Account are governed by the Consumer Financial Account Terms available at https://stripe.com/legal/consumer/consumer-fa-terms. 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 Prepaid 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 Prepaid 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.

Your Card is linked to a Consumer Financial Account, which is a consumer account exclusively available through the Platform Provider and powered by Stripe Payments Company. The terms governing your Consumer Financial Account, including how funds are held and custodial arrangements, are set forth in the Consumer Financial Account Terms of Service available at https://stripe.com/legal/consumer/consumer-fa-terms. Your Card allows you to access funds that are held in your Consumer Financial Account to make purchases, withdraw cash, and conduct other transactions as described in the Issuing Bank Terms.

If your agreement with the Issuing Bank or the Platform Provider terminates, or if your Consumer Financial Account is closed, Stripe may restrict or terminate your access to the Consumer Prepaid Cardholder Services.

2. Agreement to Terms

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