Stripe’s Required Regulatory Disclosures

*We have translated the English version of this page into **French**. This translation is for informational purposes only and the definitive version of this page is the English version.*

*Nous avons traduit la version anglaise de cette page en **français**. Cette traduction n’est disponible qu’à titre informatif : la version officielle est la version anglaise.*

## Annex A: Summary of Key Elements of the Agreement (Information Summary Box)
**Date of Contract**

The Agreement is effective upon the date you agree to it (by electronically indicating acceptance) and continues so long as you use the Service or until terminated by you or Stripe.

**Acquirer**

Peoples Trust Company:

#1400 - 888 Dunsmuir Street, Vancouver, BC, V6C 3K4

Tel: 1-844-304-2083

www.peoplespayments.com

PNC Bank Canada:

130 King Street West, Suite 2140

Toronto, ON M5X 1E4

Tel: 1-800-669-1518

www.pnc.ca

For Transactions routed via Interac:

Everlink Payment Services Inc.

125 Commerce Valley Drive West, Suite 100,

Markham, ON L3T 7W4

Tel: 1-888-354-6577

www.everlink.ca

**Payment Facilitator**

Stripe Payments Canada, Ltd. (https://support.stripe.com)

Stripe operates as a Payment Facilitator sponsored by Peoples Trust Company and PNC Bank Canada. Stripe is not an affiliate, subsidiary, or a member of Peoples Trust Company or PNC Bank Canada.

**Acquirer Business Partner**

Stripe Payments Canada, Ltd. (https://support.stripe.com)

For Transactions routed via Interac, Stripe operates as an Acquirer Business Partner of Everlink Payment Services Inc. Stripe is not an affiliate, subsidiary, or a member of Everlink Payment Services Inc.

**Cancellation of contract and any applicable penalties**

You may terminate this Agreement by closing your Stripe Account at any time by following the instructions on our website in your Account Profile. We may terminate this Agreement and close your Stripe account at any time for any reason effective upon providing you notice in accordance with this Agreement. There are no penalties for termination. However, termination does not alter your liability for processed payments or related chargebacks.

**Complaint handling procedures**

Stripe’s complaint handling procedure:

You may submit any complaint to Stripe Support. Our complaint handling process is accessible at https://stripe.com/complaints.

**Peoples Trust Company’s complaint handling procedure:**

Peoples Trust Company’s complaint handling process is accessible at:

   - Peoples Trust Company Website: www.peoplestrust.com/en/peoples-payment-solutions/merchant-acquiring-services/resolving-your-concerns

   - Telephone: 1-844-304-2083

   - Mail: #1400 - 888 Dunsmuir Street, Vancouver, BC, V6C 3K4

**PNC Bank Canada complaint handling process is accessible at**:

   - PNC Bank Canada Company Website: https://www.pnc.ca/en/canada/canada-branch-code-of-conduct-complaints.html

   - Telephone: 1-800-669-1518

   - Mail: 130 King Street West, Suite 2140, Toronto, ON M5X 1E4

**Everlink Payment Services Inc.’s complaint handling procedure:**

Everlink Payment Services Inc.’s complaint handling process is accessible at:

   - Everlink Payment Services Inc. Website: www.everlink.ca/merchant-complaint-handling-process

   - Telephone: 1-888-354-6577

   - Email: support@everlink.ca

   - Mail: 125 Commerce Valley Drive West, Suite 100, Markham, ON L3T 7W4, ATTN: Merchant Services

**Information about Payment Terminal**

This disclosure only applies to users who purchase Stripe Terminal Products as defined in the Stripe Terminal Purchase Terms.

Purchase Pricing: You may purchase Stripe Terminal Products at then-current pricing specified at the time of your purchase.

Fees: Fees associated with use of Stripe Terminal Products are described in the Other Fee Disclosure Box below.

Termination: You do not have the right to terminate an order for Stripe Terminal Products after it has been placed. However, you are not obligated to purchase any additional Stripe Terminal Products. Termination rights with respect to the Stripe Terminal Services are the same as those stated in the Cancellation of Contract and Applicable Penalties box above.

**Transaction return policy**

To learn more about how to issue refunds and the terms and conditions associated with refunds, please visit: https://support.stripe.com/questions/how-do-i-issue-refunds

**Code of Conduct**

The Code of Conduct for the Payment Card Industry in Canada is available at the FCAC's website. With respect to card Transactions, Stripe abides by the Code.

**Statements**

Your transaction history will be available to you on your dashboard when you login to your Stripe Account on our website.

## Annex B: Cost Per Transaction Disclosure
“Card-Not-Present” means that the card was not electronically read (e.g. online payment).

**Payment card type**

**Processing method: card-not-present**

**Processing method: card-present**

Visa Classic

2.9% + CA$0.30

2.7% + CA$0.05

Visa Infinite

2.9% + CA$0.30

2.7% + CA$0.05

Visa Infinite Privilege

2.9% + CA$0.30

2.7% + CA$0.05

Visa Business

2.9% + CA$0.30

2.7% + CA$0.05

Visa Prepaid

2.9% + CA$0.30

2.7% + CA$0.05

Visa Debit

2.9% + CA$0.30

2.7% + CA$0.05

MasterCard Classic

2.9% + CA$0.30

2.7% + CA$0.05

MasterCard World

2.9% + CA$0.30

2.7% + CA$0.05

MasterCard World Elite

2.9% + CA$0.30

2.7% + CA$0.05

MasterCard Business

2.9% + CA$0.30

2.7% + CA$0.05

MasterCard Debit

2.9% + CA$0.30

2.7% + CA$0.05

MasterCard Prepaid

2.9% + CA$0.30

2.7% + CA$0.05

American Express

2.9% + CA$0.30

2.7% + CA$0.05

Discover Consumer

2.9% + CA$0.30

2.7% + CA$0.05

Discover Commercial

2.9% + CA$0.30

2.7% + CA$0.05

Diners Club International (Domestic)

2.9% + CA$0.30

2.7% + CA$0.05

Successful charge presented in USD

2.9% + US$0.30

n/a

Interac Debit

2.9% + CA$0.30

CA$0.15

Rates may vary based on the pricing set forth in your Stripe Agreement. Where IC+ pricing applies, Stripe passes through the relevant network costs to you. To review your Stripe IC+ fees, navigate to the Payments fees tab of your Financial reports suite in your Dashboard and select the date range you’d like to review, download the Transaction-level report, and open the report in Excel or a similar data analytics application.

Each rate is set by the applicable card network and each rate is subject to change. For your reference, the card networks have provided additional information about rates on their websites for your review:

   - VISA Canada

   - Mastercard Canada

   - American Express

   - Discover

   - Interac

## Annex C: Disclosure of Fees
Rates may vary based on the pricing as set forth in your Stripe Agreement. Additional information and fees can be found on Stripe’s pricing page.

**Processing method: card-not-present**

**Processing method: card-present**

Visa International Cards presented in CAD

3.7% + $0.30

3.5% + $0.05

MasterCard International Cards presented in CAD

3.7% + $0.30

3.5% + $0.05

Discover International Cards presented in CAD

3.7% + $0.30

3.5% + $0.05

Diners Club International (Non-Domestic) Cards presented in CAD

3.7% + $0.30

3.5% + $0.05

International cards presented in CAD

3.7% + $0.30

3.5% + $0.05

International cards presented in USD

3.7% + US$0.30

n/a

Currency Conversion Fee

2% above the daily mid market rate.

Learn more

2% above the daily mid market rate.

Learn more

Card Dispute Received Fee

All Disputed payments (also known as chargebacks) incur a fee of $15.00 regardless of the outcome of the dispute.

Learn more

All Disputed payments (also known as chargebacks) incur a fee of $15.00 regardless of the outcome of the dispute.

Learn more

Card Dispute Countered Fee

$15.00 per disputed payment where user contests the dispute (fee returned if dispute is resolved in User’s favor)

Learn more

$15.00 per disputed payment where user contests the dispute (fee returned if dispute is resolved in User’s favor)

Learn more

Smart Disputes

(Preview)

30% of the disputed amount won using Smart Disputes

Learn more

Card Dispute Countered Fee waived

30% of the disputed amount won using Smart Disputes

Learn more

Card Dispute Countered Fee waived

Instant Payouts

1% of Instant Payouts volume

Minimum fee of CA$0.60

Learn more

1% of Instant Payouts volume

Minimum fee of CA$0.60

Learn more

Foreign Exchange Quotes API

2% per successful transaction

Rate locking starting at + 0.07%

Learn more

2% per successful transaction

Rate locking starting at + 0.07%

Learn more

Terminal Services Fees

n/a

All service fees associated with Stripe Terminal, that are not identified in a separate line item in this Other Fees Disclosure Box, are included in the processing fees or as you and Stripe agree.

Tap to Pay

n/a

$0.15

Point-to-point encryption

n/a

$0.06

Terminal card readers

n/a

CA$449.00

Stripe Reader S700

CA$299.00

BBPOS WisePOS E

CA$79.00

BBPOS WisePad 3

Radar

CA$0.07 per screened transaction for accounts with custom pricing for any payment method

n/a

Radar for Fraud Teams

CA$0.03 per screened transaction for accounts with all payment methods on standard payment method pricing

CA$0.10 per screened transaction for accounts with custom pricing for any payment method

n/a

Dispute Prevention

CA$15.00 per Visa resolution

CA$15.00 per Visa Compelling Evidence 3.0 block

CA$29.00 per Mastercard resolution

CA$15.00 per Visa resolution

CA$15.00 per Visa Compelling Evidence 3.0 block

CA$29.00 per Mastercard resolution

Manually Entered Card Fee

0.5% in addition to the applicable processing fee

n/a

Authorization Boost

Included with Stripe Payments

0.2% per successful online card transaction for accounts with custom payments pricing

n/a

Adaptive Acceptance

Included in Authorization Boost

0.08% per successful online card transaction without Authorization Boost and with custom payments pricing

n/a

Card Account Updater

Included in Authorization Boost

CA$0.35 per update for accounts without Authorization Boost and with custom payments pricing

n/a

3D Secure Authentication

$0.04 per 3D Secure attempt for accounts with custom pricing

n/a

Network Token Fee

Included in Authorization Boost

CA$0.20 per token provisioned for accounts without Authorization Boost and with custom interchange pricing

n/a